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

I have purchased and leased 4 vehicles with Honda Financial and at lease termination I would purchase the vehicle. I sent my monthly payments as contracted and never paid late or missed a payment. As I was now at the end of my 4th lease year, and I decided to make an extra payment. I clearly stated that I wanted the extra payments to go to principle. Honda even made me verfity this with a second phone call. However, I was not given a new amortization chart because of the additional payments. So I thought it was an error. I called the company and was informed that they would not change the interest that I was to pay on the loan even though I paid in in advance. I could however take a month off or miss a payment month. I think that was illegal. To add insult to injury, they acted like I was too XXXX to know what I was talking about. So I requested a supervisor and was told that I had to wait for someone to call me back, and that it could take 24-48 hours..I wanted them to lower the payoff amount by the princple balance, not by they contract interest they prepared 5 years ago/ Isn't that illegal? don't I have the right to get a fair deal? Are they taking advantage of an ederly person? 

When they finally called me back, they informed me that they would record my call, but when I also informed them that I would also record the call, they told me they did not agree and promptly hung up on me. Why? What are they afraid of or lying about?
Product: Debt collection

I was reached out to by XXXX XXXX, on XX/XX/2023 through a written letter. The letter said I owed {$1400.00} to the company. However, I have no affiliation with XXXX, and when I called Customer Service, the account number mentioned in the letter was not recognized by the system. 

I then received a letter by Convergent Outsourcing on XX/XX/2023. 

When I checked by credit score on XXXX there is no mention of this debt, which is why I believe this debt is fraudulent or someone has possibly stolen my identity. 

I sent a letter to XXXX and Convergent. I will also be filing a complaint with the Texas AG Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit bureaus are reporting a charged off XXXX account XXXX ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX equifax- XX/XX/XXXX date of last payment XXXX - XXXX - equifax- XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit XXXX- {$580.00} XXXX {$0.00} equifax- {$580.00} comments XXXX- Charged off as bad debt Purchased by another lender XXXX- Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER equifax- Account transferred or sold Charged off account
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inaccurate and false information in my credit report with TransUnion after obtaining my credit report from them. I immediately open a dispute in regards to inaccurate and false information for the investigation. In regards to all disputes, they notified me they have completed the investigation within 30 days from the dispute date, however, I was neither provided the result of the dispute in writing nor their online system maintained a record of the dispute. Since I have opted for the online version, every time I have logged in to TransUnion the dispute I have filed is either " In progress '' status or it no longer exists and there are no records of the dispute whatsoever. 
I have also sent TransUnion two letters via certified mail in regard to some other disputes which they have never responded to.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report on XX/XX/XXXX. I saw a late payment that should be reporting on time. On XX/XX/XXXX of XXXX I spoke with XXXX XXXX with XXXX and we discussed that I wouldn't be marked late because of the Pandemic as long as I brought the account current for the amount of {$27.00} which I had done. I sent a letter to Experian to get this fixed but they still said everything is reporting correctly. But it is not. Can you help me with this situation? Experian 's report number is XXXX Thank you.
Product: Credit reporting or other personal consumer reports

Incorrect addresses and names are being reported across my experian report. Ive mailed in multiple letters verifying my current address. Please update my address to XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX! Delete all others. They do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX has yet to respond to the request sent via US mail on XX/XX/2023 to provide the following : Original contract with wet signature, name, address, DOB. An invoice does not properly suffice as a method of validation. This company continues to violate my consumer right by adding false information to my credit profile. I have made several attempts to request the this debt be validated correctly and this company has failed to provide me with the requested information. Please remove this erroneous information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. Included in the bankruptcy on, Official Form XXXX XXXX were three student loan amounts held and/or managed by XXXX XXXX/Nelnet : {$10000.00} Nelnet Claims XXXX XXXX XXXX XXXX, NE XXXX  Opened XX/XX/XXXX- Last ActiveXX/XX/XXXX {$310.00} Nelnet Claims XXXX XXXX XXXX XXXX NE XXXX Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$330.00} Nelnet Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX Last ActiveXX/XX/XXXX Total of Nelnet loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX
*** According to Official Form XXXX ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors - XX/XX/XXXX at XXXX XXXX - No representative from Nelnet/XXXX XXXX XXXX  attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline :XX/XX/XXXX Deadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : XXXX - Notice by first class mail was sent to Nelnet by the Bankruptcy Noticing Center on XX/XX/XXXX.
A discharge was granted by a United States Bankruptcy Judge *** Nelnet/XXXX reported to all three reporting agencies that the balance on the three Nelnet/XXXX loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''.
The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report.
+++ I have had discussions with Nelnet, XXXX XXXX XXXX XXXX, and the three credit bureaus. Nelnet has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from Nelnet that they provide all statements for the year ofXX/XX/XXXX.
The request was denied through an email that literally said " ... your request has been denied ... 

I was unable to get any explanation as to why they would n't send the statements. 
The same as above is true for XXXX as well. 

One of the other credit reporting agencies, XXXX I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan. 

I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
Product: Debt collection

North Town Capital in XXXX NY has been calling me and all my family members trying to get information about someone I am not related to. They refused to completely identify themselves. They lied and said they were a company that just gathers basic info for something I forget what she said. They identify as NCSG only. The lady said by state and federal law they can not disclose information of what they do. Lie one. They said by law they are allowed to call anyone they want when they want.
Product: Credit reporting

This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I also keep receiving notifications from Experian that they will no longer investigate these accounts and the first notice I received was after receipt of the FIRST letter! That 's in violation of the FCRA and I 'm not an idiot.Once I notify them that their findings are wrong, they legally have to investigate! I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. Experian, specifically, is reporting late payments that i know to be incorrect and in XXXX, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with Experian : XXXX - You violated section 611 of the FCRA which states that you can not reinsert a previously deleted negative item without notifying me within 5 business days of said reinsertion, which you did not. I was not ever late on this account. Remove this immediately XXXX - You violated section 611 of the FCRA which states that you can not reinsert a previously deleted negative item without notifying me within 5 business days of said reinsertion, which you did not. I was not ever late on this account. Remove this immediately XXXX - where 's your proof that I was late? I know for a fact that I was n't and you still report it as such, so remove this right now XXXX - I asked for the proof that I was late and of course you did n't provide it and neither did the creditor, so you need to remove this. Someone seeing my name on a screen is NOT legal verification and you must have firsthand knowledge, which you do not, so take this off immediately XXXX - once again, you have this marked as 30 days late and I know that I was n't late for that month and you have n't provided anything and I know that you do n't have firsthand knowledge so remove this XXXX - I already told you that I was n't late. This needs to come off my of credit file. Where 's your proof? You do n't have any! 
XXXX - # 1 I was never late on this account # 2 you have the wrong open date of this account and # 3 you have n't provided any proof. Remove this right now
Product: Debt collection

We had credit checked in order to refinance a home mortgage ( week of XX/XX/XXXX ). A collections debt we knew nothing about showed up on TransUnion credit report - from XXXX XXXX XXXX XXXX, showing original creditor as XXXX. On XX/XX/XXXX, I spoke to XXXX, who confirmed they have no record of an account in my name, nor any past amount due. They started a fraud investigation. 
I disputed the account with Transunion on same day, but they have come back saying the report is accurate!! I also tried to contact XXXX XXXX XXXX on same day ( XX/XX/20 ), but they wanted me to give them my social security number and other sensitive data just to look up the supposed debt, so there was no way I was going to talk to them.
Product: Debt collection

This Company and bureaus ( XXXX XXXX & XXXX ) are reporting this account to my credit report. This is a fraudulent account this does not belong to me XXXX XXXX Date Opened:XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$1700.00} is reporting on my credit profile. the information that both parties refuse to send and VALIDATION and VERIFICATION.
Product: Consumer Loan

I work part time for an employer named XXXX XXXX XXXX, on XXXX/XXXX/XXXX Tuesday I left my evening part time job as usual parked in the residents parking lot where I live at XXXX XXXX XXXX, and had left my XXXX Mercury Milan vehicle locked as every other night. About mid to late afternoon the next day on XXXX/XXXX/XXXX Wednesday, the time I generally head over to do my regular work hours. I noticed my vehicle was not where I had parked it the previous night on Tuesday, in fact it was no where in the parking lot. I immediately thought of and had concerns of vehicle theft. I went straight back into my apartment and dialed the XXXX help assistants line from my landline telephone. The XXXX operator assisted me in reasoning out my current situation and had taken my name along with the description of the vehicle. In coming up with contact information in helping locate and find where my XXXX Mercury Milan was at, she then announced the company name TCAR Recovery located at XXXX XXXX XXXX XXXX NY and the contact number of XXXX. I proceeded to leave a message since no one answered, then had concerns of my XXXX XXXX XXXX with regards to entitlement to the protections under the UNITED STATES BANKRUPTCY CODE. I currently am under review by my creditor XXXX in my request to file for bankruptcy regarding the subject matter vehicle repossession and any protections in filing bankruptcy may apply to myself. I thank you in allowing me to leave the Consumer Finance Protection Bureau commentary of present as well as any future comment that may pertain to vehicle repossession and myself asking to filing for bankruptcy proceedings.
Product: Credit card

I paid my complete balance on my Apple credit card from my normal bank. I have never been late with a payment. They drafted the funds but would not accept any new charges resulting in missed shipments and late charges for other services I purchase. 

I contacted the bank, and they insisted they would hold my funds for a full week before release if my credit. 

I believe drafting, holding, and not applying payment while causing me inconvenience while they earn interest on my payments is theft and should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. Are you serious? My complaint is a legitimate complaint due to the mistakes on my report that your company is knowingly falsely reporting. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

This is my 2nd attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taking advantage of once again and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report.
Product: Vehicle loan or lease

I was sold a 2012 XXXX XXXX, I put XXXX down and the cost of the vehicle was XXXX. I seen on the loan documents that XXXX is what it has to say for the company, and was advised I can refinance if i wanted to in a year. I signed documents not knowing what the lingo meant. My monthly payments were XXXX. I tried to refinance in a year with the hopes of smaller payments I was told I couldn't because the vehicle is too old, fast forward I've been paying 4 years without being late and I realized I've paid XXXX for this vehicle something isn't right I called to ask what was going on they stated my interest rate was 21 % do I'm paying interest. I tried to explained I didn't know what I was signing and asked for a payout they gave me one but only XXXX off of what there saying I owe. Please can someone help
Product: Debt collection

DISCOVER FINANCIAL SERVICES claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to do so by sending them letters through certified mail asking them to provide me with a VALIDATION OF DEBT as per federal law. I received no response from them the entire time. 

I sent them a CONDITIONAL ACCEPTANCE, in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I have attached all the letters I have sent as well as the domestic return receipts, proving that I have indeed exhausted all administrative remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from XXXX, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.
Product: Credit reporting or other personal consumer reports

Notice of Agent : Experian, XXXX, XXXX I am writing to express my serious concern and frustration regarding unauthorized information that has been added to my credit report by your agency. According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report, and I expect that my credit report is a fair representation of my financial history. Unfortunately, recent changes to my credit report have raised significant issues that need to be addressed promptly and every hard inquiry needs to be removed. they are in non compliance of this code, I did not authorize with my physical signature any of those inquires to be added to my report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code
Product: Credit reporting, credit repair services, or other personal consumer reports

We recently pulled our credit report and discovered that Nationstar is reporting sporadic late payments on our closed account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to Nationstar 's Detail Transaction History for this account, a late fee in the amount of {$84.00} was assessed starting XX/XX/XXXX and for several months thereafter ( see attached ). The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which Nationstar admits.

According to the Fair Credit Reporting Act ( FCRA ), negative entries can only remain on the credit report for seven ( 7 ) years from the DOFD. Therefore, seven years from this date is XX/XX/XXXX, at which time all negative reporting must be deleted. As of this date, this negative reporting still remains on our credit report and Nationstar refuses to remove it.

This account was closed in XX/XX/XXXX, as it was refinanced with a new Nationstar account, which has never been late. We never had any late payments prior to or after this time period. We are requesting that Nationstar delete their inaccurate reporting on our credit report immediately.