23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving collections calls from Lending Club when my account is current. They always start by saying my account is current but I'm delinquent for my XXXX payment which makes zero sense. After a few moments they realize I was loaded into their dialer in error and that my account is current. I ask to speak to a manager to have this resolved and I have simply been hung up on. I am now worried I will be reported negatively for this debt that is indeed being paid on time. The collections department has shown no concern with my matter once they realize I have no debt to be paid. Nobody will look into why this is happening to me and I simply have the call disconnected every time I ask to speak to a manager,
Product: Consumer Loan

The lender continues to contact me at work. As a XXXX I can not continue to be harassed at work. I have already been warn by my supervisor that the phone calls must stop. I informed the lender that they could put my job at risk, her exact response was that they will continue to call until I paid the loan. This has happened before where I have made a payment agreement to pay by a certain date and they called me everyday until that date that was agreed upon. I could lose my job because of these call to my work.
Product: Credit reporting

I submitted a complaint to XXXX, XXXX and Equifax and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/2017 and I also faxed it on XX/XX/2017. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a copy of the letter sent to Experian less my very personal information they required for verification. 

XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Customer Complaint I have been billed to my Debit Account several times in the last 3 months following attempts to open my credit report for a bank inquiry. In no way was I trying to set up special pay for services. All I wanted was to release the lock on my account. 

Debit Transactions XXXX/XXXX/XXXX {$4.00} XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Charges {$55.00} I find this to be deceitful and unprofessional and do not accept these charges. Please credit my account the {$55.00}. I believe I have changed the account to a no fee based system. I was totally unaware of the " Pay For '' service, especially since I was attempting to unlock my credit report. I am copying the Better Business Bureau, My Congressman, and the Consumer Protection Agency. 

Sincerely, XXXX XXXX XXXX Cc : Better Business Bureau XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX has been removed for this copy
Product: Vehicle loan or lease

I had bough a car on XX/XX/XXXX, at 16 % interest, at that time because my credit was just good. Bank had denied me refinance or fix my higher interes 16.00 % on a used car XXXX XXXX XXXX XXXX, when I got this loan, bank offer me to refinance in 6 or 12 months after the purchase to lower the interes 16 %. I did it, and they denied it twice on XX/XX/XXXX, and XX/XX/XXXX. And  over that, had been requesting refund for all of the insurance money they had been charging me by ADDING AN Insurance that my car didnt need it, and they did it with out my concent to it. I had been trying to call Several times but they keep me on the phone skipping me from one to other person transferring to wrong depar till they hand up or some times they make false promises telling me they will fix the problem and they will contact me. But they never had done it till now. they had been making me pay for car colisin insurance, since XX/XX/XXXX till todays date. However, my loan is still almost same amount that I refinance since I got the car, I had revising the statement and they all have changes on quantity. Also, on XX/XX/XXXX they close my 401k account because they said it finish by itself. Please need an investigation now with all these issues on this car loan.
Product: Credit reporting or other personal consumer reports

I made multiple payments in XXXX for my XXXX card for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. XXXX claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft, i am asking that the company provides me with a wet ink signature to validate these items. if that cant be provided i am asking to have these unauthorized accounts removed immediately. 

XXXX XXXX {$3800.00} date open XX/XX/24
Product: Mortgage

i had a comnercial mortgage on my business i never missed a payment. the leander named hopkins financial has tried to say i missed 3 payments. there accounting practices are messed up i have proof of that. i never got a lettet saying that i had 30 to  bring it current. i gave them bank statements cancelled checks their receipt saying they recueved the payment and their atterony did n't care. they foreclosed on me i lost my property but they have done a wrongful forecloser and i am going to file a law suite against them like they have never seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with XXXX XXXX XXXX a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do. 

The only documentation they were able to provide was a Notice to Guarantor from XXXX XXXX XXXX XXXX and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from XXXX XXXX XXXX XXXX clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute.

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they XXXX XXXX XXXX XXXX have fail to follow and adhere to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX COL XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

Around the beginning of XXXX, I realized someone had made close to {$2300.00} worth of unauthorized purchases with my debit card. I contacted Chase to file a dispute. They issued a temporary credit. A couple weeks later, I received notice that they would be debiting the credit as the charges were authorized. I contacted their customer service and they told me the charges had come from my IP address and asked if anyone else lived in my home. I replied that my husband and XXXX kids did. He asked if I thought it could be one of my kids and to call back if I found out that it was one of them. Never in a million years did I think it was possible but after speaking to one of my boys, I discovered he made the charges. I called Chase back to reopen the dispute and a different rep told me there was nothing they could do. That since it was one of my kids then I still benefitted from the purchases. I most certainly didn't authorize or benefit from any of the transactions.
Product: Debt collection

I was not aware debt was owed because the company & collector had the wrong address. No phone calls were made to me about the debt either. 

As soon as I noticed it on my credit report, I called the collector, paid the balance in full and they agreed to delete it from all credit bureaus. 

See the latter attached dated XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Vehicle loan or lease

The car was a total loss. Exeter finance continued to charge fees and interest after the pay off amount check was sent by my insurance company. Fees that they can not explain making my refund a lot less smaller. They also stole my Gap insurance money from XXXX XXXXXXXX, claiming the insurance company did not pay the pay off amount which is a lie, they payed over the amount. I been given the run around in regards to my refund check since they claim to have mailed it to me on XXXXI have not received it yet and were in XXXX now. Tired of calling this company and no one can give me accurate information. There customer website never matches what they are saying on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

They sent a response saying the information was updated but still is inaccurate. 

These accounts have the same exact date, open date and payments history with different High balances. Causing duplicate negative remarks. 

This account is still inaccurately reporting late payments. In your account history there is no amount past due showing on the payment history. With your report only starting the report on XX/XX/XXXX with 90 days late and XX/XX/XXXX 120 day XX/XX/XXXX 120 days with missing history form XX/XX/XXXX to XX/XX/XXXX until you start reporting again XX/XX/XXXX 90 days late. Why are you reporting 90 days late 8 times with incomplete account history? This information is inaccurate and would like you to please remove this inaccurate account or update all the late payments being reported on this account immediately. 

Showing 47 months received but only have 8 on your account history. 

I have attached copies of the letters I have sent, their response and how it appears on my credit report
Product: Debt collection

On or about XXXX XXXX, XXXX and XXXX XXXX, XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me an viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.
Product: Debt collection

Wakefield and Associates /Revenue Recovery Corporation has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX, and XXXX The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Wakefield and Associates Revenue Recovery Corporation does not have any documentation, they need to retract this from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by my credit watchdog service that there are two FRAUDULENT hard credit card inquiries on my Transunion Credit Report. 
I contacted Transunion requesting information regarding the inquiries due to the fact that their website is unavailable for a week thus cant get my credit report!!! 

Their offshore customer support is pretty much useless! 
He kept referring me to the website again and again no matter how many times I repeated myself : " Your website does not work, I can't get my report!!! ''
Product: Debt collection

Someone stole my identity and rented a car from XXXX rental company.. I had/ have no knowledge of this and received a collections bill for XXXX XXXX that I have nothing to do with I already sent over police report of a similar situation that happened to me in XXXX XXXX XXXX I filled identity thief and they found out who it actually was
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit reports with XXXX, XXXX, and TransUnion. The discrepancies in the reported data are significant and have led to a misrepresentation of my credit profile. Additionally, there are concerns regarding a breach of privacy, as my personal information appears to have been mishandled or improperly shared. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Payment History : XXXX : No late payments reported XXXX : Was 90 Days Late 14 Times TransUnion : No late payments reported Violations and Impact The discrepancies between the credit bureaus in terms of the date last active and payment history are severe. The inconsistent reporting of late payments, with XXXX indicating a large number of late payments while XXXX and TransUnion show none, is particularly misleading and damaging. Additionally, the potential unauthorized sharing or mishandling of my personal information with third parties constitutes a serious breach of privacy, causing undue stress and potential harm.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized handling or sharing of my account information, particularly with third parties, constitutes a breach of my privacy rights. This includes disclosing sensitive information without proper consent or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XX/XX/XXXXXXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX Balance Owed : {$160.00}
Product: Checking or savings account

Contacted EverBank several times including the office of their CEO   XXXX   XXXX   XXXX  and was given the run around.   EverBank did not address the false & misleading advertising or shortage of interest I had received. Please see my complaint letter & attachments.
Product: Debt collection

Today I received a phone call from XXXXXXXX XXXX XXXX XXXX on behalf of USAA concerning my brother who passed away last month. 
Allegedly, my brother opened up a USAA Visa Credit Card over four years ago. There is an outstanding balance of nearly {$2000.00}. They even provided the last four of a XXXX credit card account number. 
I asked that official documentation be mailed to my home address. Which they will do. This is the agent I spoke to ( please publish ) : XXXX XXXXame : XXXX XXXX Phone : ( XXXX ) XXXX XXXX I contacted USAA who cant confirm if my brother even opened up a credit card account. I didnt co-sign on his account nor is he associated with my own account in any way. I only have debit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet Navient is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.