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

This company has been a hassle to me since 2015. They have reported incorrect things on my credit reports regarding payments being paid on time, and reported as late. Also the balance is not reflecting correctly. 

Other than information report on my credit files, my past 10 or so payment have completely went towards interest, including my most recent that was paid on time. 

I am wondering how they put repossession fees that I wasn't aware of at the end of my term. This is the second time that this has happened. They told me the repossession fee was {$300.00} and was included with what I had to pay to get my vehicle back. 

Please see documentation attached. Thanks.
Product: Mortgage

I have a mortgage with CitiFinancial, based out of XXXX, NC. I went on line to make my payment of {$530.00} on XXXX XXXX. They deducted {$530.00} on the XXXX and again {$530.00} on the XXXX. This overdrew my bank account so I also accrued overdraft charges. My husband and I are retired so this money was needed to pay other bills. I called the XXXX time on XXXX XXXX and was told I would receive a refund in XXXX days. ( Probably would not take that long ). I called again on XXXX XXXX and was told again it would take 7-10 days by a not so nice person. I called again today and no one will help. They send me to voicemail and no one will return the call. Now its time for another payment which they can use the money for, but I am really disgusted with the treatment. They took money from my account which they did not have permission to, forced my husband and I to live on an overdrawn bank account for XXXX weeks and they no accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

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 XXXXXXXX 15 U.S.C 1681 section 602a states : I have the right to privacy.

15 U, S.C 1681section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I pulled my credit reports to check my scores. When I pulled my report I noticed fraudulent accounts and inquiries on my reports that I did NOT authorize or know anything about.
Product: Vehicle loan or lease

XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute XXXX governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. I did not have {$100.00} because I only had what was left for me to pay the lender. The car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against Bank of America because they are attempting to collect a debt that I do not owe them. That debt has been paid and the account was closed on XX/XX/2019. Account Name, Bank of America, Account Number, BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with XXXX XXXX XXXX. 

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but XXXX XXXX XXXX is not responding at all.
Product: Vehicle loan or lease

I purchased car from XXXX XXXX right after a XXXX  XXXX bankruptcy. I immediately had issues so I was put in a rental 1 week after purchase. 2 months in the transmission went out and was replaced with the help of XXXX XXXX and myself paying the cost. I paid majority of the time on time but the car amount was not going down. 5 years in XX/XX/2022 the car had similar issues to before but I was informed to replace the XXXX converter which cost me {$800.00}. I got the car back and on the same day the cars transmission went out. The car was sent to XXXX XXXX for repair but I was also speaking with Prestige to see if they could assist me with the cost since the transmission would cost me {$5000.00}. After that they did not help or try to help me through my hardship. I asked them to come get the car since it was a possibility that something else was wrong with the car. They came to get the car they sold the car for the smallest amount possible even though the car had a new XXXX converter and transmission in it and they still sent me a balance of {$13000.00} something dollars. I have set up a payment plan which the amount was about {$7000.00} with fees. Prestige has breached contract and sent statements for more than this amount and I have made all payments on time since this contract started which is about 6 months of payments but the balance is not going anywhere and my credit score is going down because they are still reporting non payments when I am making payments. This company is the worse and add fees that should not be there. My credit report does not match what we agreed on in the contract and they have decided to not assist me but instead email me, text me, and call me harassing me about payments even when the payment is not due yet.
Product: Credit reporting or other personal consumer reports

Creditors : XXXX XXXX  XXXX XXXX  Violated Section 15 U.S Code 1681a.-Definitions : rules of construction- Exclusion-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as a transaction or experience between the consumer and the person making the report ; 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes I need for these late payments to be removed from my credit due to the violation of my consumer report
Product: Debt collection

I have tried to tell Nationwide Recovery Systems ( NRS ) to quit calling here for quite some time now. They keep calling for a " XXXX XXXX '' and I have advised them that this is a business number and there's not a XXXX that works here, nor has there ever been. I have told them repeatedly to remove this number and they just keep calling ... 
On XX/XX/XXXX they called here, again, looking for XXXX and they were told again to quit calling here. I sent them a message on their contact form of their website ( https : //www.nationwiderecoverysystems.com/? page_id=15 ) that any future phone calls will result in CFPB, FTC and Attorney General complaints . Since then, they have called three more times : The " warning '' phone call : XXXX, FL : XXXX @ XXXX XXXX, XX/XX/XXXX Caller ID : " NRS '' XXXX @ XXXX XXXX, XX/XX/XXXX Caller ID : " NRS '' XXXX @ XXXX XXXX, XX/XX/XXXX XXXX, IL : XXXX @ XXXX XXXX, XX/XX/XXXX They called again today ( XX/XX/XXXX ). I told the gentleman on the phone that I was going to move forward with filing the complaints after they were warned to stop. 
Their harassing and predatory practices NEED TO STOP. 
We have had this number for two years and have verified XXXX listings and XXXX pages. There's no reason they haven't done their due diligence in ensuring they have good phone numbers via their skiptracers and there's definitely no reason they didn't remove this phone number once they were told to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth  financial systems is misrepresenting how old my debt is. The accounts are from  XXXX  and they are listing them from  XXXX  of  XXXX . I 've tried to get them to correct this but they refuse.
Product: Mortgage

We purchased a home in XX/XX/XXXX ( XXXX ) - which was previously a short sale. All liens were supposed to be released by the title company XXXX ( now owned by Fidelity Title Co ). When we refinanced in XX/XX/XXXX we found out that the liens had NOT been released and that XXXX liens totalled {$1.00} mio. ( # XXXX lien : XXXX, # XXXX lien : XXXX, # XXXX lien : XXXX mio ). We were able to clarify the XXXX smaller liens but the largest liens has not been removed. The lien holder will not release this lien as the previous owner owes still so much money that they have not much else to leverage and therefore want to hold on to our home. XXXX/Fidelity Title has refused to take any action as we have officially not sustained any " damages ''. Recently, the lien holder threatened to foreclose on our house. While the title company assures us that we are insured in the amount of the purchase price ( what about the equity that we have built up in the mean time? ), it is very disturbing that they have not released the lien when it was supposed to be released. This now, threatens our family to lose their home with no fault of their own. I am horrofied. Whenever you purchase a home, please make sure that all previous liens have been properly released.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reporting agencies ensure the maximum possible accuracy of consumer information. 

Additionally, under 15 U.S.C. 1681o, Experian may be held civilly liable for negligent noncompliance with the FCRA, including failure to investigate and correct inaccurate information. Under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) of the Consumer Financial Protection Act, it is also unlawful for consumer reporting agencies to engage in any unfair, deceptive, or abusive acts or practices. 

Furthermore, under 15 U.S.C. 1681c-2 ( Section 605B ) of the FCRA, if this inaccurate information is the result of identity theft, I have the right to request that it be blocked from my credit report. If applicable, I am providing the necessary documentation to support this claim, and I request that Experian take immediate action in compliance with the law. 

In compliance with the FCRA, I expect an investigation and a response within 30 days of receiving this dispute. If Experian fails to correct these inaccuracies, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 

Enclosed are copies of supporting documents to support my claim. Please update my credit file accordingly and send me written confirmation once the corrections have been made. 

Thank you for your prompt attention to this matter. Please respond in writing to confirm receipt and the outcome of your investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NELNET HAS FAILED TO RESPOND TO MY DISPUTE SENT VIA CERTIFIED MAIL ON XX/XX/year>. RECEIVED ON XX/XX/year>. 

12 CFR PART 1022.43 STATES THAT FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE MUST CONDUCT A THOROUGH AND TIMELY INVESTIGATION. 30 DAYS. 
15 USC 1681S-2B ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall- ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; and ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.

( 2 ) Deadline A person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information.

15 USC 1681i STATES : a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

IT HAS EXCEEDED THE 30 DAY TIME LIMIT PLACED ON FURNISHERS OF INFORMATION. 

I CALLED NELNET ON SEVERAL OCCASIONS TO ADDRESS THE MATTER AT HAND : XXXX XXXX AT XXXX XX/XX/year> AT XXXXXXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXXXX/XX/year> AT XXXX XXXX 
EACH TIME I WAS ASSURED THAT THE DISPUTE WOULD BE HANDLED ACCORDINGLY AND IT WAS STILL PENDING. 

NELNET HAS FAILED TO SEND ME CERTAIN DISCLOSURES REQUIRED BY LAW. 
NELNET HAS VIOLATED MY PRIVACY. 
12 CFR PART 1016 STATES THE DISCLOSURES THAT MUST BE GIVEN INCLUDING OPTING OUT. 
I NEVER GAVE NELNET WRITTEN PERMISSION TO SHARE MY NON PUBLIC INFORMATION WITH ANY THIRD PARTIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$3100.00XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$13000.00XXXX XXXX XXXXXXXX Balance : {$630.00}
Product: Checking or savings account

Hello My name is XXXX XXXX the parent of XXXX XXXX. I am writing this letter on behalf of a check that was sent to me on XX/XX/year> via regular mail. Upon receiving the check from the federal government social security XXXX, on behalf of my son. And being his pay representative. I deposited the check through the app by way of taking a picture, and having it deposited directly into my checking account. I was informed that the check would be available as of XX/XX/year>. When the funds were not available on XX/XX/year>. I made several attempts inquiring as to funds being released for the benefit of my son and paying for his household and medical needs. I was informed by Capital One reps the funds will be held until XX/XX/year>. Although Social Security had verified and shared that Capital One had cashed the check and the funds are just sitting there in the account but has not been released. Again, when inquiring with CapitalOne as to the funds being released, I am constantly being told they are waiting for an email form social security. Something that is non existing, when inquiring with social security. I am writing this email to you, for your assistance in having my sons funds released. As his medical needs are suffering because of Capital One wanting to hold onto his funds until XX/XX/year>, for no apparent reason, or full explanation. Should you need to review my account, it will show. I myself receive monthly survival benefits in that account and a biweekly payroll. Should there be a need to further substantiate with documentation, showing that I am my sons rep payee. Those documents are available upon request. 

Your assistance in this matter would be greatly appreciated. 
Thank you. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am not aware of any of these inquiries, these are unauthorized. Please act right now to resolve this problem. For more information, see the materials that are attached.
Product: Student loan

I can not access their website, I've tried multiple times to change password, it doesn't work. Their customer service has a 3.5 hour hold time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a request for investigation on an account Experian is reporting incorrectly and is in Violation of FCRA Guidelines. 

Not only are they reporting this inaccurately, but they have yet to respond to my investigation, however they updated the comments to a disputed account. 

Ive included my certified letter, and a copy of my credit report highlighting the inaccuracies and FCRA VIOLATIONS. 

The account type is reporting as an " OPEN ACCOUNT " which is a violation- this is a collection account per FCRA guidelines it can not report as OPEN- A collection account can not have a balance reporting in the PAST DUE - this needs to be reporting {$0.00} In the two year history they are continually reporting CO XXXX this is another VIOLATION- collection accounts can not have any late payments or CO reporting - this all needs to be removed. 

They have blatantly disregarded Federal Law with numerous inaccuracies and not responding or doing a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am authoring this complaint on my behalf. I can't believe these guys are taking advantage of me. I am very upset with Equifax. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I need to be deleted. 


1 ) Please investigate that this account is reporting 100 percent accurate. XXXX XXXX  is reporting different information on all 3-credit bureau . I see so many errors which is a FCRA violation. 
XXXX XXXX  Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section 807 Violation misleading false reporting on my credit report. 
XXXX XXXX Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
Please remove from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX company sold my information, without my permission or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Our Reference Number : XXXX Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Total Balance Due : {$620.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this