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

In XXXX, I took my car into the XXXX XXXX XXXX XXXX because the car would slow down and jerk while I was driving on the highway. The guy told me it sounded like the transmission and that it was still covered under warranty. The mechanic said they could not find any problems. I took the car to the XXXX XXXX Dealership which is closer to my home because the problem continued. They too could not find a problem. Every time I took the car in for an oil change, I mentioned the slowing down and jerking problem and every time, they told me they could not find any problems. In XX/XX/XXXX I received a notice in the mail Nissan was extending the CVT warranty to 7 years or XXXX miles. I called to explain the problem was still happening, but my car was over 90,000 miles. I complained about that problem over two years ago when it was under warranty and requested Nissan to fix the problem. I was advised to take the car in for a diagnostic and ask Nissan Corporation to make an exception because my concerns were in the notes from XXXX. I had to rent a car while the diagnostic and repairs were completed. The first guy from Nissan Consumer Affairs was extremely nice and said he would let me know a decision once the car 's diagnostic was completed. I called five times and after nobody returned my call, I extended my car rental. Around XXXX that day, someone called me to say Nissan would not cover the repairs because I was over 84,000 miles. I stated to Consumer Affairs lady that it was very strange that all of a sudden once the warranty expired, now the problem is found and Nissan will not make an exception considering I have been stating the problem since XXXX. She seemed unmoved and unconcerned and said, Nissan would not cover the repairs. I had to use the warranty I purchased on my car to get the repairs. Had Nissan told me no from the beginning, I could have saved money paying for a rental and wasting my time.
Product: Debt collection

I keep receiving emails from someone named XXXX XXXX, XXXX XXXX and XXXX XXXX. They send email saying that they are with Orion Portfolio Services , LLC and that I have a XXXX account with them. They are also asking me to pay a past due amount which is untrue.
Product: Mortgage

Please remove the late payment from my credit reports. I have always paid on time and due to Covid, I only had one 30 day late payment in XX/XX/2020 to occur on my credit report for this account. I am trying to get an auto loan and it is creating a major hardship for me The late payment was told to me by your company that it would be deleted but it wasn't. I would really appreciate it, if it's done soon as possible. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ; Account : XXXX XXXXXXXX - XXXX, Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX, Account : XXXX Billing Service, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX has violated my rights. 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 an account without my written instructions.
Product: Credit card or prepaid card

we received TWO different cards in the mail addressed to somebody else, both from banks. 
1 ) Brinks Money : address to XXXX XXXX using my address. There is a prepaid Mastercard attached and on the direct deposit form has a routing and acct number and the bank is XXXX XXXX  XXXX XXXX XXXX Routing # XXXX XXXX # XXXX XXXX ) NETSPEND : addressed to XXXX XXXX using my address. There is a debit card attached and on the direct deposit form is another routing and acct number. This bank is XXXX, XXXX XXXX Routing # XXXX XXXX # XXXX *I called our local Sheriffs office and was told to throw them away and ignore, but I believe this person is targeting my address to commit fraud Both of these letters come from the same address listed on top of these letters XXXX XXXX XXXX XXXX TX XXXX I don't know who to send these to for further investigation, and calling these banks would then give them my information which I believe to be risky
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XXXX  to run an inquiry on my credit report. This appears to be fraudulent.
Product: Debt collection

Dear MOBILOANSLLC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Mortgage

The Specialized Loan Servicing LLC, our mortgage loan servicer. appointee by XXXX XXXX  XXXX, manipulating our mortgage account for past three years. 
They bought three years of home insurance policy on their own without our permission and without having any authorities or rights and adding the cost of their purchases into our monthly mortgage bills. 
We as a customer have a right to have a correct receipt and bill. In order to confront them we stop to pay their incorrect bills. They started harassing us by sending Collection agency after us and now they brought a case against us in a Civil court for being in default and filled for foreclosure on our home. 
The cost of their three years of home insurance policy is nearly XXXX dollars. that they already added to our mortgage account.
Product: Credit reporting or other personal consumer reports

I see inquiry on my credit from this company that was not authorized.
Product: Debt collection

There is an entry on my XXXX credit report that appeared in XX/XX/2022 from SA-VIT XXXX XXXX  collections agency for {$240.00}. This debt does not belong to me and it should be deleted from my credit report. I mailed this company a debt validation letter on XX/XX/2022, asking them to validate the debt or delete it from my credit profile. I am attaching a copy of this letter to this complaint. As of XX/XX/2022, I have not received a written response from SA-VIT XXXX XXXX nor has this invalid entry on my XXXX been removed. I am asking that you please ask this company to delete this entry from my XXXX credit report as it is not mind and they have not proven the validity of this debt.
Product: Credit reporting or other personal consumer reports

several credit companies have an incorrect social security number for me
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address has been reported to Equifax however they keep listing a fraudulent address associated with a fraudulent account as my address. My address is XXXX XXXX XXXX XXXX PA XXXX
Product: Mortgage

what is the pay off figure, the reinstatement amount and the accelerated amount due
Product: Debt collection

Well my mother in law helped me get a loan through springleaf Finance and my payment is due on the XXXX of each month and there calling me on the day of every hour on the hour there also calling my job and my mother in laws job threating me and telling me that they did n't want to give me the loan and if it was n't for her I would n't have the car. Now I have set up arrangements to pay on the XXXX due to how I get paid from work now there saying to pick up the vehicle because I have n't came in to make payment which as I said arrangements has been made ... I would like to know what I can do in order to stop to threating calls??
Product: Mortgage

LoanCare is the servicer on a loan. A month ago, I contacted LoanCare to complete the loss mitigation package. I submitted a package and was told that since the sale date was within 30 days, that the review may not be complete. I have a XXXX  XXXX bankruptcy and I file the appropriate motion to add the loan to the XXXXXXXX XXXX. This also included a request for mortgage modification mediation. The court ordered LoanCare to participate. The first step is for LoanCare to submit the Initial Lender package for me to complete through the XXXX portal. I have attempted to contact LoanCare on several occassions and to date I just get an automated email. I also attempted to call the phone number and only get an automated phone menu. I am unable to reach a live person. I have also reached out to their attorneys and yet to get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account : XXXX XXXX XXXX XXXX
Product: Student loan

The Northland Group on behalf of XXXX continues to call. When I miss their call I call them back and they ask me to verify my address. Every address I give them does not match up so they will not give me any information on what is going on. This either fraud or a scam. This is effect my credit score any they are refusing to give me information because I my address is no the address they have on file and has never been a place I have ever lived. I can validate XXXX and any other identifying information. They are withholding information from because lack of knowledge of an address I have never lived at.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested a reinvestigation of this account. Despite this request, the account continues to display erroneous information that misrepresents my credit history. Under the Fair Credit Reporting Act ( FCRA ), all reported data must be accurate and verifiable. Additionally, the information provided must adhere to the Metro 2 reporting standards and the requirements of the E-OSCAR dispute resolution system, which TransUnion utilizes. 

It is evident that this account, which is closed with a XXXX balance, is being inaccurately reported as having late payments ( XXXX Days Late ). This misreporting does not comply with the consumer law statuses mandated by federal regulations. Furthermore, the CARES Act protections for consumersspecifically regarding the reporting of late payments during periods of financial hardshiphave not been met in this instance. 

I demand that TransUnion immediately delete all inaccurate and misleading information associated with this account from my credit report. Please update your records in full compliance with the XXXX XXXX reporting guidelines and the E-OSCAR system protocols within the XXXX period required by the FCRA. Kindly provide written confirmation once the deletion has been executed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed my FTC identity theft report to XXXX via Certified mail they received my document. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report . I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation after one week which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by XXXX. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA. I have contacted and mailed letters numerous times and the fraudulent accounts have not been removed. I have contacted the Attorney General XXXX XXXX on serval occasions and XXXX has failed to remove the items
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 3 different 30 day late payments on my Credit report. I have paid thousands of payments on time because they are all set up on automatic bank draft. These three accounts were all paid on time and are reflected as so on the other credit bureaus except Experian. I sent letters but they come back " Verified '' I do not know how something can be Verified when it is incorrect? I have over 16 years of perfect payment history on my Credit reports and these three errors are causing me great distress. 
XXXX/XXXX XXXX shows a XX/XX/XXXX 30 days late. 
XXXX XXXX shows a XX/XX/XXXX 30 days late and XXXX XXXX*** shows a XX/XX/XXXX 30 day late.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and on XX/XX/XXXX XXXX I sent a certified letter to Transunion disputing inaccurate information on my consumer report ( see letter and delivery confirmation attached ). I requested Transunion to provide me with who and how they were able to report this information on my consumer report. Transunion failed to send me the information I requested ( see dispute results attached ). The bankruptcy courts do not report to credit bureaus as per their official website ( see attached ). Anything Transunion is reporting on my consumer report is hearsay because I was never contacted me to verify any information that's being reported. I would like to know where Transunion obtained this information if the bankruptcy court does not report to the credit bureau. Transunion, as a consumer reporting agency, by federal law, you have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I was told that I could call my creditors & they would work with me to help me during this pandemic financial hardship. In XX/XX/2020, I called Westlake Financial Services, whom I have a vehicle loan with & spoke to a customer service representative. The reason for my call was to tell them that due to Covid-19, I had been out of work since XXXX. I was told by the representative that I needed to make a payment or my vehicle would be repossessed. I made the payment with help from a friend. I am unable to make a payment this month & I am afraid that my vehicle will get repossessed. I purchased the vehicle to get me to & from work & for family travel. This financial service company is not working with their consumers & I do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my consumer report that should not be there XXXX XX/XX/2020 XXXX it has been on my consumer report for about a month now.
Product: Credit reporting

XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureaus. They left a wrongful dispute on my credit report. The account number is as followed : XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last week Ive been trying to dispute inaccuracies on my XXXX XXXX account on my credit bureau reports XXXX AND EXPERIAN. The account been repeatedly showing an updated payment history which should NOT include a payment history of late payments. A collection is a derogatory by default. The company does not agree with the violation and refuses to remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are continuing to report inaccurate and fraudulent accounts to my consumer report after disputing and asking for investigation they continue to ask me for a identity theft report which I have already sent before and will attach proof along this complaint. These are clearly stall tactics and I am going to start pursuing legal action.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of certain account from my credit report, as reported by [ XXXXExperian ] . The inclusion of these accounts in my credit report is causing significant damage to my creditworthiness and financial standing, and I believe it is inaccurate or has been resolved. 

I have carefully reviewed my credit report from [ XXXXExperian ] and have identified the following account that require your immediate attention : 1. Account Name : XXXX XXXX Account Number : XXXX Reason for Removal : The contract is null and void due to discrepancy I kindly request that you initiate an investigation into this account and promptly remove it from my credit report. The inaccurate reporting or inclusion of this account is causing undue harm to my creditworthiness, which has had adverse effects on my ability to obtain credit, secure favorable interest rates, and achieve my financial goals. 

I have attached supporting documentation that substantiates my claims regarding the inaccuracies or resolution of these accounts. Please review the enclosed documents and take appropriate action accordingly.

I understand that, as per the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days of receipt. Therefore, I kindly request your prompt attention and resolution of this matter.

Please provide me with written confirmation once the investigation is complete, and the accounts have been removed from my credit report. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of these accounts. Thank you for your immediate attention to this matter. I trust that you will handle this request with the utmost professionalism and adhere to the guidelines set forth by the FCRA. 

Enclosures : - Supporting documentation
Product: Credit reporting

I am filing a complaint against Lanier Collection agency wrote them letter requesting information. After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in from XX/XX/XXXX-XX/XX/XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. They sent me back XXXX pages with total charge and a description the procedure I was supposedly had gotten. They refused to send me anything with my signature provide them service to release any of medical information which is a violation of HIPPA. I never agreed to pay them anything nor do I know who they are. I am unaware of these bills ; these are not my accounts. Then I tried to call to informed them they may have to wrong person. They were extremely rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX XXXX that originated on XX/XX/XXXX. I defaulted on this loan on and the vehicle was subsequently reposessed. I settled for an amount and the rest was shown as a charge off. In a vain attempt to have this negative information removed from my credit report I filed a dispute with the XXXX and TransUnion and subsequently disputed the results of those investigations. I have recently tried to have the information that I did not agree with the results of the dispute removed from my credit report. After speaking with XXXX XXXX XXXX XXXX XXXX I had a letter faxed on XX/XX/XXXX from their XXXX, KY location to their credit reporting location of which I have attached. After not receiving a response within 30 days I filed a dispute with XXXX on XX/XX/XXXX and received the results under report number XXXX on XX/XX/XXXX. The information that I did not agree with the results of the previous dispute was not removed and my account was moved into a collection status.