23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have been making payments since XXXX  and most of my payment is not being applied to the prinicial it all going to the interest! for example my payemnt is XXXX and the rate is 12 % fixed.. they will apply XXXX to the principal and XXXX goes to the intrest rate. Its not an adjustable rate why are they doing that?. My payment is also being broken up into like 3 payments on some months. I also signed up for gap insurance got charged XXXX and the bottem of the truth in lending it says n/a but there is also an initial next to this.. I dont know if i even have gap insurance. I know i was charged for itXXXX  This has been on going for years. I purchased this car for XXXX on the sales sheet it says XXXXXXXX XXXX XXXXXXXX when i call about this i get no where. They try to talk i dont know what i am talking about when i ask about the rate and think they are talking in circles around me and then say someone will call me back and no one ever does.. the stress this causing me is crazy! they are charging more then 12 % and the breakdown i will submit to u will show u what im talking aboutXXXX Please help me they also have my names spelled wrong and i told them 3 times at the dealership my name was spelled wrong.. also the engine blew up in it and i had to pay close to XXXX to get a new engine put in it the finance company is ally financial accunt number is XXXX and the dealership was XXXX XXXX in XXXX XXXX XXXX XXXX
Product: Debt collection

Complaint against FiServ for submitting false statements to Federal Authority CFPB and RESPA, FDCPA and RICO. 

I submitted my complaint against FiServ XXXX XXXX XXXX XXXX FiServ XXXX and XXXX who during at least last XXXX XXXX years send me billing statements on XXXX XXXX XXXX XXXX letterheads where FiServ instructs me to send my payments to certain XXXX XXXX XXXX, some of which are rented by XXXX under XXXX XXXX  name. 

My payment are collected by XXXX and processed by unknown to me employees in secured centers who direct my payments to unknown to me beneficiary -without any reduction of my alleged " debt '' or any credits to my escrow account. 

Most recently someone acting under name of XXXX is sending me XXXX mail  with flagrantly fake documents " from XXXX '' while XXXX  does not have any records of these documents or my alleged " loan ''. These letters are coming from XXXX XXXX in XXXX XXXX. 

Under RESPA FiServ acts as a Servicer who for some reason prepare and send me billing statements while another company, XXXX, pretends to be a Servicer without any servicing functions. 
Under FDCPA FiServ is a debt collector since they collect from me " debt '' Under RICO, this debt is a non-existing debt for unknown to me party and collected for unknown to me " creditor '' using threatening letters from Fiserv XXXX Moreover, FiServ XXXX XXXX sent me a letter from a lawyer ( who did not sent it ) threatening me with legal actions if I do not sign promise to pay XXXX who has absolutely no relationship to my " loan '' which nobody can find. 

But FiServ, who has dozens of shell point nest doll corporations across the Country, said that my Complaint does not belong to them. 

FiServ must explain to me and CFPB why my complaint does not belong to them if all " billing statements '' on XXXX letterheads are prepared and mailed to me by FiServ XXXX XXXX and I have material proof for it. As well as letters on behalf of " lawyer XXXX '' and " XXXX XXXX '' which were sent to me by Fiserv XXXX XXXX.
Product: Credit reporting

I attempted to obtain my free annual credit report online from Transunion but was notified that it was unavailable. It stated that I could fill out a form and mail it in to receive my credit report and so I did. I then received a letter from Transunion stating that they could not locate my credit report but I could provide them with proof of my identity, address, etc. and they would attempt to find my report. So, I mailed them copies of my drivers license, utility bill, social security card and birth certificate. Finally, they have sent me my report. Not only have they made me jump through numerous hoops and send them highly sensitive information which if it fell into the wrong hands would make my identity very easy to steal, they have provided information to my credit card company ( XXXX ) that has resulted in my FICO score to drop XXXX points when I access it through XXXX. However, I have no negative information on my credit to explain this massive drop in my FICO score. In fact, I have accessed my FICO score through my other credit card company ( XXXX ) and it shows no such drop in my score ( they rely on XXXX to access my information ). I feel that I have been unfairly treated by both Transunion and XXXX in that my FICO credit score has been adversely affected through no fault of my own.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX - XXXX {$14000.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00} XXXX - XXXX {$4900.00} XXXX - XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$620.00} XXXX - XXXX {$2300.00} XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX XXXX XXXX {$6300.00} Accounts : XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$2300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX20 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Dispute transaction from XXXX XXXX in the amount of {$1000.00}. Dispute ID is XXXX for my card ending in XXXX, account holder my company XXXX XXXX XXXX Chase blatantly refused to provide any documentation in support of its decision. I demand immediate reversal of the denial because my dispute falls squarely within the purview of what may be disputed.
Product: Debt collection

XX/XX/2020 - Called my parents both at home and my mother 's place of employment. Threatened to sue me and take me to court, file garnishes against Social Security, etc. if a return call was not immediately made. They claim to have papers ready to file in reference to an outstanding loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my XXXX XXXX dept of Education student loan balance on XX/XX/2009. 

The same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 
During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, XXXX, and Experian and XXXX, mishandled the reporting of the consolidated loan, to a separate loan and line item. 
I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated, meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts.
Product: Credit reporting or other personal consumer reports

I am writing to request your compassionate consideration in removing the late payment entries on my credit report, which were directly attributed to the unprecedented hardships I faced during the national COVID-19 pandemic. 

Like millions around the globe, the pandemic significantly impacted my financial stability, hindering my ability to meet my financial obligations on time. During this period, I endeavored to manage my finances to the best of my abilities, prioritizing the well-being of my family and striving to stay afloat amidst the turmoil. 

The unexpected job losses, reduced hours, and the overall economic downturn caused by the pandemic placed immense pressure on my financial resources. Despite these challenges, I have since made a steadfast recovery, ensuring that all my bills are paid promptly and maintaining a responsible financial stance. 

I kindly request that you consider the extraordinary circumstances that led to these late payments. The removal of these entries from my credit report would significantly alleviate the lingering burden my family and I continue to bear, offering us a chance at financial recovery and stability. 

I understand the importance of credit obligations and take full responsibility for my financial health. Since the challenging times of the pandemic, I have demonstrated a consistent and timely payment history, reflecting my commitment to financial responsibility. 

I respectfully ask for your understanding and favorable consideration of my request. Removing these late payment entries will not only significantly impact my life and that of my family positively but also accurately reflect my current financial responsibility and commitment to upholding my obligations. 

Thank you for taking the time to consider my request. I am hopeful for a positive resolution.
Product: Debt collection

I have been communicating with this collection agency about a debt that does not belong to me. After following up with phone calls and letter correspondence, i have yet to receive a reply. I am asking that this dept to be removed from my credit report immediately and for Ability Recovery Services to provide proof that the dept is removed. I am willing and ready to pursue legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX, Transunion and XXXX denoting that I had been a victim of identity theft by reason of lack of consent and permissible purpose ( 15 USC 1681b ). I attached an FTC identity theft report along with all the alleged accounts that were being furnished on my consumer report. According to 15 USC 1681c-2, information that has been identified by the consumer ( me ) to be a result of identity theft must be blocked within 4 business days of the receipt by such agency. It has been 30 days and I have yet to have the information blocked as well as I have not been able to garner a response from any of consumer reporting agencies. These are clear violations of the FDCPA.
Product: Debt collection

I have gone through the credit bureaus to dispute this large collection. The company responded saying that the collection is legit and that it is accurate in FCRA rules. However, I never received a written notice of this debt. In addition, I requested verification of the debt, which I never received.
Product: Debt collection

I reached out to Regional Acceptance Corporation on XX/XX/2020 by certified mail. The context of my letter stated that there was incorrect reporting to the credit bureaus under my social security number. I asked them to verify that the account was mine and to send verifications to me within 30 days. The company sent out a statement on XX/XX/2020 from a XXXX XXXX but did not verify that the account was mine. I sent out a 2nd letter on XX/XX/2020. The context of this letter stated that I needed verification that the account was mine. Again, they sent the same letter on XX/XX/2020, with no verification, just a statement from a XXXX XXXX. On XX/XX/XXXX I sent another letter stating that I just wanted to know who the account belonged to, please verify that it is mine, and to inform them that they had broken the law by not marking the account as " disputed '' on my credit reports within the 30 days as the law states and as a result they must remove the inaccuracy. The company sent me a letter on XX/XX/XXXX stating that I was harassing them, that my claims were frivolous, that I could look for the " disputed '' addition to my credit report in XX/XX/2020, and that they would no longer respond to me because the matter is now closed.
Product: Mortgage

I bought a house in XX/XX/2024. Got approved for a XXXX XXXX The county tax office apparently told my mortgage company Freedom Mortgage that my taxes were cut due to the exemption from approximately {$8000.00} to {$1200.00}. The tax office said they don't have records stating this in XXXX to my mortgage company. My mortgage company is now saying I owe {$9900.00} in delinquent escrow taxes. The VA said they can not do anything but CFPB complaint would be a good start.
Product: Debt collection

The company Jefferson Capital Systems is furnishing negative account information to XXXX XXXX XXXX for an account that I do not have with the company. The negative information is tarnishing my credit reputation and causing me to be denied credit to provide for my family. I am in no contract with the company and have never gave the company any consent to have my private identification information. I suspect that it is a case of false and misleading representations and negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} Inquiries XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit bureaus have 5 days to notify me from when they receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agencies shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax acting in a negligent manner in safekeeping my and numerous other personal information and should make reparations to all individuals affecting by this grievous inaction to safeguard the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted on XX/XX/2022 and XX/XX/2022 for the wrong address/ and the wrong name to be removed but I have not recieved a notice or a follow up responce. 
I am unfamiliar with the address and the name on file and its not unaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : Chapter 7 I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had a car loan on a XXXX XXXX XXXX XXXX with TD Auto Finance LLC ( XXXX XXXX XXXX, XXXX, ME XXXX ). On or about XX/XX/XXXX I was in a motor vehicle accident and the XXXX was totalled by XXXX XXXX XXXX XXXX on XX/XX/XXXX. On or about XX/XX/XXXX a check for the balance of the loan ( {$21000.00} ) was issued to the lienholder TD Auto Finance LLC. See attached copy of check. This check was deposited on XX/XX/XXXX by TD Auto Finance LLC/TD Bank XXXX XXXX The loan was paid in full. 

However, in XXXX of XXXX I received notice from TD Bank that I was in default of my already paid off/closed car loan. This continued through XXXX of XXXX. See attached default notice dated XX/XX/XXXX. TD Bank is claiming that I still owe them monthly payments on the car loan despite the loan being paid off almost four months ago. My credit score has dropped from XXXX to XXXX. See attached Credit Karma Screenshots. This has resulted in much higher interest rates and APRs. This is especially important to me because I have to replace my totalled vehicle and I have to pay more than I would have when buying a new vehicle because my credit score is lower.
Product: Debt collection

I am submitting this formal complaint regarding XXXX persistent and unwanted communications concerning an alleged debt that is over XXXX XXXX XXXX. Despite my previous request that they cease all communications with me, they continue to send multiple emails each week. 

XXXX has acknowledged in their own correspondence that they can not take legal action against me nor report this debt to any credit agency, yet they persist in contacting me. Their continued attempts to collect on this outdated debt are not only unwarranted but also harassing. 

XXXX has sent communications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent a formal letter requesting that they cease communication on XX/XX/XXXX, yet they have continued to contact me on XX/XX/XXXX, XXXX, and XXXX. 

The alleged debt amount is {$3400.00}, and the original creditor is XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that debt collectors cease communication with me. I formally exercised this right, yet XXXX has failed to comply. Their actions constitute a violation of my consumer rights, and I request that the CFPB take appropriate action to enforce compliance and prevent further harassment.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had addresses that don't belong to me. 
These are the addresses : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Care credit charged promotional interest. I spoke to a care credit rep and explained my COVID hardship and that my mother had pass. She said I could call back and care credit would waive promotional interest. Well I got another rep and she told me it could be waived. I asked for manager and it just got worse. No one helped. One manager said she would pull the tapes of me and the first rep speaking. Remember I requested this investigation. Well lo and behold when care credit called to tell me they would honor the waiver of the promotional fees for s one time only request Was the day the phone disconnected. The operator spent more time saying she couldnt hear me then telling me I had one day to pay., so I didnt get to hear the purpose of the call and the manager didnt call back! I had no return number. She didnt follow up. When I got thru the next day the rep said she see the notes, she sees that the phone was disconnected but unfortunately that offer was for one day only. This is unprofessional and unscrupulous behavior. To note account that the phone disconnected, to not call me back to say I had one time to pay. And to know I had no call back to the manager that decided to allow me to pay balance without promotional interest is a conspiracy. These managers get together and represent CareCredit in the most disrespectful way that words cant explain. The tapes say it all and one day they will be fired!