23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I understand that the debt in question was charged off and as such, it is my understanding that the outstanding balance is no longer considered collectible. Despite this, I have received correspondence from your institution attempting to collect on this debt. 

Furthermore, I have not received a Form 1099-C, Cancellation of Debt, from the IRS for the tax year in which the debt was charged off. As a result, there has been no official recognition from the IRS regarding the cancellation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reported me more than 30 days delinquent when I was in COVID related forbearance several months ago. I have tried for months to resolve this with them. I submitted copies of the credit report, as they keep saying they need that to do further review. Finally a customer service representative did a full review of everything in my file, and sent the letter showing my forbearance to the credit dispute division. Then I received an electronic copy of a letter in my XXXX login on XX/XX/XXXX saying a correction was sent to the credit reporting bureaus and to allow 30-45 days for correction to go through on my credit report. I got an alert on XX/XX/XXXX from one of the credit reports I monitor, saying there was a change to my credit sector. I logged in, and it said on XX/XX/XXXX my account with XXXX was updated to current. However the 30 days delinquent mark is still there in the report. It needs to be removed, as it was clearly a mistake and XXXX has admitted this. But my thinking is they did not make it clear to the credit bureaus that they made a mistake, they would rather just imply that I paid up and am now current instead of admitting that they falsely reported me delinquent and made me suffer all these months to convince them to correct it. XXXX XXXX XXXX XXXX needs to contact the credit reporting bureaus and tell them to REMOVE COMPLETELY the 30 days delinquent mark on my credit report, because it never happened. It was a mistake on their part, I was in forbearance at the time, and needs to be deleted off my credit reporting record in order for my score to improve to what it was before they made this horrible mistake. Its not fair or right to tell the credit reporting bureaus that I paid off the 30 days delinquent and am now current, instead of telling them the truth which I was never delinquent at all. That 30 days delinquent charge is still on my credit report for anyone to see, and it will prevent me from getting a car loan, a credit card, etc for the long term foreseeable future until they do what is right and tell the credit bureaus the truth. Attached is the proof of my payment history with XXXX, including the letter of forbearance for the period in question on my credit report. Plus copies of the negative report still on my credit as of this week, and the new verbiage which states I am now paid as agreed, instead of stating the truth which is that I was never delinquent at all. This negative mark needs to be deleted entirely off my credit repertoire, which the credit bureaus will never do unless XXXX is upfront and direct with them that they made a mistake.
Product: Debt collection

XXXX XXXX XXXX XXXX continues to report to XXXX ( 2 ) unpaid debts that were paid directly to XXXX. This is a violation of my rights under the FCRA and I want this company to remove this from my credit report immediately and stop all communications regarding this. 
Also through research, I have read in muliple sources that medical bills under {$500.00} will not be reported to credit bureaus any longer.
Product: Vehicle loan or lease

vehicle was purchase in XX/XX/2017 right away the vehicle had problems with alignment. caravana offered to have it fixed. once the car was fixed and week later the same problem occurred along with other issues that were identified when the manufacturer XXXX found in diagnostic. bad motor mount, ac issue, alignment, bad differential, bent rims. appeared as if car was in accident vehicle has multiple recalls, for transmission issues, motor mounts, a/c and also over heating issue in the engine. we tried to return the car after the 3rd time it had to be taken back for the same issues, yet the caravana manager XXXX or XXXX denied the return of the car alleging that it was not able to be return because it wasn't in the time scale to be returned when we call we had let them know if the issue persisted the car was going to be returned, all this occurred right after receiving the car and they were notified as they had to payment for a rental car. they ignored our calls and emails.. we were literally begging them to take the car back when we shouldn't of had to. they are having false advertisement/propaganda they will use any reason to get out of returning a bad car. at the time only thing we were able to do was retain a lawyer and filing a lawsuit against them but we did not have the XXXX it require to take the step. the car today has over heated, the vehicle has a recall for that. yet XXXX dealer ship wanted to charge for the repair or even to look at the car. at this point the car needs to be returned due to extensive issue that are not repairable.
Product: Money transfers

Today, XXXX/XXXX/16, I tried to send a moneygram online, as I have done several times before. I was told that my transaction was " under review '' and I had to confirm the transaction. Then I was told that the receiver also had to call to confirm the transaction. None of this was mentioned in the transaction receipt I received by email. I had to speak to XXXX different persons at MoneyGram and they were not sympathetic at all. The receiver has still not received the money.
Product: Credit reporting

Dear Bureau of Consumer Financial Protection, We made request to Experian for my Credit Report dated XXXX/XXXX/XXXX ... 
On XXXX/XXXX/XXXX, I received a request for proof of address and Government issue ID. 
I forwarded a copy of my Drivers License, Social Security Card, Utility Bill, Birth Certificate, more than what was required. 
XXXX XXXX, XXXX, I received a second request of the very same information Report Number XXXX ... 
This is highly irregular ... 
This report is very important to, for I 'm applying for a mortgage. 
Attached you will find the mailings with documents enclosed ... 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, While running my credit report I found a fraudulent card that I have never opened up or an account that I have never held. It says that the card was opened on XX/XX/2022 with a {$20000.00} limit and {$10000.00} was charged.I have never opened this account, and I do not have an account with USAA. I need to know how to get this fraudulent activity off of my credit report. I called the company USAA at ( XXXX ) XXXX and they said they would get back to me.
Product: Debt collection

I am filing a formal complaint against XXXX XXXX XXXX for their continued violations of federal reporting and collection laws. Despite being notified by the federal bankruptcy court of my bankruptcy filing, XXXX XXXX XXXX has persisted in reporting an alleged debt to the credit bureau XXXX, XXXX and XXXX, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Bankruptcy Code.

Federal law explicitly requires creditors and collection agencies to cease all collection activity, including reporting alleged debts to credit bureaus, once they are informed of a bankruptcy filing. However, XXXX XXXX XXXX has chosen to ignore this legal obligation and has recently reaffirmed collection activity on the alleged debt. This represents a clear and intentional breach of federal regulations. 

I have disputed this matter on multiple occasions, yet XXXX, XXXX continues to report this debt as outstanding and due, despite their obligation to update their records and cease all collection efforts. This deliberate disregard for the law is not only harmful but also demonstrates bad faith on the part of XXXX, XXXX Their continued violations have caused significant distress and damage to my credit profile. 

I am requesting immediate corrective action to remove the inaccurate reporting from my credit report, and I urge the appropriate regulatory agencies to investigate XXXX, XXXX 's repeated non-compliance with federal laws. If this matter is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies to ensure my rights are protected.
Product: Credit reporting or other personal consumer reports

MY AUTO LOAN WITH XXXX HAS BEEN PAID OFF FOR A COUPLE FO MONTHS NOW, AND TRANSUNION IS THE ONLY ONE THAT HAS NOT REFLECTED THAT ON MY CREDIT REPORT. I JUST WANT IT TO SHOW THAT IT WAS PAID OF, LIKE IT WAS.
Product: Student loan

I contacted Nelnet by letter, on XX/XX/XXXX asking for debt validation. I also contacted them on XX/XX/XXXX by email asking them for a debt validation again. They emailed me on XX/XX/XXXX ( 66 days ) stating that they receive my initial letter. As outlined in the fair debt collection practice I have a right to request a debt validation. nelnet failed to provide me with debt validation within the specified time ( 30days ) from the initial contact by letter.
Product: Credit reporting, credit repair services, 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. 

Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX 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 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: Credit card or prepaid card

I have a Shop Your Way CitiCard. I had a payment due on XX/XX/20 for a purchase amount for {$20.00}. I did not receive a bill. While going through some receipts I realized that no bill had been sent. On XX/XX/20 I made an electronic payment of XXXX which posted on XX/XX/20. I also called the credit card company and was automatically sent to an automated system for waivers of late fees. The automated system reported that late fees and interest were waived. I had no other purchases on the card. 

Then on XX/XX/20, I created an online access account and was met with several late fees and interest in the following amounts : Late fee XXXX Interest {$2.00} Late Fee {$39.00} Interest {$2.00} Late {$24.00} Interest of {$2.00} Total fees of {$89.00} for an {$20.00} purchase. 

I called Citicard and was told that it would only waive {$67.00} and my account would remain delinquent and continue to accrue late fees and interest. Negative reports would continue to be made to the credit reporting agencies. I was further told that I could not get a copy of the terms of the credit card agreement via the online system. It could be requested to be mailed to me but my account would remain delinquent and there was nothing I could do about it no matter what. It was emphasized multiple times that there was nothing I could do, even though it was not my fault. 

I paid the purchase that was charged and was led to believe by the Citicard 's own system all fees had been removed in XXXX.
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/XXXX, I went to XXXX XXXX in XXXX XXXX XXXX and entered into a lease for a XXXX XXXX. After signing the contract, I realized that that the contract states that I received a physical copy of the agreement prior to signing and I was free to take it and review it. This do not occur. I was only shown a copy of the agreement on an iPad by the salesperson and it was only provided to me in printed form after I signed it. This is in violation of the Truth in Lending Act Regulation, 12 CFR 1026 Disclosures Provided on Credit Contracts Provision. Second, the contract states that I was to receive warranty papers regarding the XXXX XXXX - I never received this paperwork. Third, the early buyout option as well as the nominal fee at the end of the contract suggests that this transaction is a credit sale instead of a leasing contract. As such, this appears to be deceptive practices by the company. Further, unlike a true lease agreement, I am responsible for all caretaking for the pet with no responsibility to the company. Another indication that this is a credit sale disguised as a lease. Lastly, a disposition fee for the puppy is already calculated by the company and thus is seems unconscionable for the company to have a predetermined amount for disposing of the puppy. I met with a XXXX Attorney with XXXX XXXX XXXX, XXXX, Florida on XXXX XX/XX/XXXX regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act GM Financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly.

The following accounts should be removed from my credit file. Stern Recovery is currently reporting three accounts to my credit file that should not be there.

Stern Recovery Service {$110.00} Stern Recovery Service {$1000.00} Stern Recovery Service {$360.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information.

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including lic
ense number.

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today. 
In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.
Product: Mortgage

First of all the complaint is against XXXX XXXX Bank the owners of my mortgage and the service companies we had to go thru like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and many more! From XXXX to XXXX have had to file bankruptcy XXXX  times over the years. And still in bankruptcy since XXXX until present and will not be done with XXXX  XXXX in XX/XX/XXXX. I have so much information and documents to prove that XXXX XXXX has lied, promised, charge fees, robo signed, cause my family to file bankruptcy XXXX  times and still in XXXX  XXXX currently, been harassed, had to sign incomplete documents requested by XXXX XXXX to complete a modification agreement and the fees were higher than agreed apond. XXXX XXXX sold our house at auction and we were in XXXX  XXXX the court had to reverse the sale and the buyer came to evict us while under Automatic stay protection. We had to file another XXXX  XXXX on top of our existing XXXX  XXXX due to attorneys being fired by the court and we had to hire another attorney .We have been fighting XXXX XXXX XXXX XXXX and had XXXX modification and tricked into signing document that they new we couldnt afford. I have documents for days regarding XXXX XXXX violations against us and the dealings with XXXX XXXX have caused me and my family emotional distress and health problems and finance hardship, embarrassment,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX XXXX  Police Dept. on the date of ( XXXX ) Report XXXX : XXXX. I attached this report with disputes & sent them to the credit bureaus ( XXXX, Experian, XXXX XXXX ). Unfortunately I have yet to receive a response. 

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX Finance XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 XXXX a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

On my Equifax credit report, there are XXXX hard credit inquiries that are fraudulent. The inquiries are from XXXX Personal Loans but I have never applied for a loan with XXXX. I have written to Equifax and to XXXX requesting removal of these inquiries on XX/XX/XXXX and again on XX/XX/XXXX, but have received no response. I 'm attaching letters I have sent and a screengrab of my Equifax credit report inquiries as of today, XX/XX/2016. Thank you for your time.
Product: Mortgage

I've now had XXXX upsetting occasions dealing with my parents reverse mortgage via PHH Mortgage Services preservation department. The first instance occurred on XX/XX/XXXX. I am the executor of my parents estate located at XXXX XXXX XXXX XXXX PA XXXX. I have been in communication on multiple occasions with their reverse mortgage co and they have my POA as well as letters of administration after I probated the estate that is currently for sale. On XX/XX/XXXX I was alerted by XXXX of the XXXX cameras I have in the home that XXXX men entered by breaking the front door locks, posted notices from PHH that the home was vacant, changed the locks on the front/back doors and blocked the garage door from opening with a padlock. I called the police as I had no idea who these people were and was then told via the police from these men they were sent from the mortgage company and that the home was in foreclosure and they were securing the property. I immediately called PHH spoke to XXXX reps who stated they didn't know why this was happening and the home was not in foreclosure. I had an marketing extension until XX/XX/XXXX to sell the home with a second extension if needed until XX/XX/XXXX. I had to purchase new locks, keys and deal with sheer panic of not being able to get into the home with our personal belongings. I was assured this was a mistake. Today XX/XX/XXXX I entered the home and noticed a notice on the front window stating that PHH is securing the property as it's vacant and had a license to do this through the city of XXXX. I checked the camera and on XX/XX/XXXX at XXXX a rep from PHH illegally entered my parents home by calling my realtor 's office, speaking with his property manager who was told the home is in foreclosure so they needed the lock box code. How is this again happening? I have an extension ( in writing ) that I have until XX/XX/XXXX ( as stated above ) to sell the home. It's not in foreclosure. I'm upset, disgusted and plain angry with these deceitful harassing practices. PHH isn't available until Monday when I plan on calling. Again. Please help investigate these terrible practices they are using to try and steal my parents home out from under me.
Product: Checking or savings account

I deposited {$170.00} on XX/XX/2022 and it was to be available on XX/XX/2022 and it was not and the app register was corrupted and there was no trace of me depositing it. I tried reporting it on the chat messenger in the app but couldn't get help at all so I left a text based message in a contact form on the app. Then I called and that was a waste of time. I'm not sure who answered but they sure didn't get being a XXXX XXXX XXXX or business in XXXX. She claimed my check was deposited at another financial institution but wouldn't tell me which XXXX ir in what account. They would not refund my money but wanted to cancel my card and I said no thank you but they argued and insisted. My card was not violated and that would inconvenience me more. They said I'm warning you and then said this your last warning. Then he admitted he ported the number and answered the phone to close down the company. They took {$28.00} XXXX weeks or a month before and {$25.00} for XXXX weeks before that once a week from that account. XXXX was violated to and it was done right away when I received the payment XXXX times. XXXX dose of {$25.00} and then {$18.00} out of {$20.00} payment and then {$10.00} and when it did that it pretended it owed {$7.00} and they left the {$2.00} that was already in there.
Product: Debt collection

Sunrise Credit services are repeatedly calling and hanging up. Once I figured out who it was the collector mini-marandia me without verify credentials such as date of birth or address and argued with me once I explained the violation. 

Pay the minimum violations fee of {$1000.00} or clear whatever debt is listed with them.
Product: Credit reporting or other personal consumer reports

There is an account with XXXX XXXX that was a leased vehicle, XXXX I opened this account on XX/XX/XXXX, and it has been paid and closed and now it has been 7 years and 3 months that it has been on my credit report I want this account removed off from my credit report. 

There is an account with XXXXXXXX XXXX XXXX XXXX XXXX  in the amount of {$500.00} credit limit I opened this account on XX/XX/XXXX it has been 9 years and 2 months, I want this account removed off from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XX/XX/XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XX/XX/XXXX!