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

The company is TD finance. After declaring bankruptcy in XXXX I did not include the vehicle a XXXX XXXX XXXX I immediately tried contacting the company to get my payment reduced. My physician suggested with my health issues I go to a independent living facility. Very expensive but need my vehicle for dr appointments etc Im a XXXX and totally on my own. My husband left no life insurance or assets. When calling the TD Finance co number I used to make monthly payments they have me blocked. I have written letters asking for help, I emailed, I tried calling from other phones but Im immediately blocked. Im sending money orders each month to the address I have always used but again no response. Twice my gas tank has had a substance poured into it and cost me XXXX deductible for tank to be flushed its almost un drivable due to so much sugar being in the motor. I feel I was sabbatoged by TD. Im located at an assisted living In XXXX XXXX Why was only my car singled out. They wont assist me in a fair settlement on monthly payments by ignoring me and blocking my calls. I would appreciate any help the dealership wont help me either. The address I use to send payments to is as follows. Any help is appreciated. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX c XXXX
Product: Credit reporting or other personal consumer reports

My mortgage account was transferred to another lender in XX/XX/year>. Per the RESPA I had an extended 60 day grace period to make my payment. I made my payment in XXXX but was unable to my payment in XXXX due to onboarding. The company reported me as late payments in XXXX and XXXX. This is a violation to FCRA and needs to be corrected.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. XXXX XXXX CAPITAL ONE BANK USA N Account XXXX : XXXX This is not mine. 

2. XXXX XXXX CAPITAL ONE BANK USA N Account XXXX : XXXX This is not mine. 

3. XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Product: Vehicle loan or lease

I was never notified of the bill of sale of the vehicle, so who is to say you are charging me the correct amount. If you can not provide this information, I will reach further with my communication on getting this debt removed from my credit report. There is no actual proof that this is the correct balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX is reporting an account that I never opened and been disputing for more than 4 years. 
The account XXXX is showing late since XX/XX/2015 until today ( 6 years ) the statute of limitation in the State of Nevada is 4 years for credit cards but even that XXXX XXXX still damaging my credit reputation.
Product: Debt collection

Bonneville Collections repeatedly calls trying to settle a debt I do not owe. I answered once, told them so and to stop calling me, and hung up. They keep calling. A lot. Including on XXXX XXXX and the day after XXXX. The frequency and timing is unacceptable, especially when I do not owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score decreased and nothing has changed except payment on time and decease in balances, the score dropped even though my history has improved
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Civil Liability for Negligent Non-Compliance ( Section 1681 O ) Dear CFPB, I am writing to formally dispute the following inaccurate information that appears on my credit report. Under Section 1681 O of the Fair Credit Reporting Act ( FCRA ), I am notifying you that there has been a failure to comply with the obligations set forth in the law, specifically related to the handling of my credit report and information. 
The specific information I dispute is as follows : 1. Item/Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX Account XXXX : XXXX Nature of Dispute : inaccurate reporting, incorrect dates, and amounts. 

According to the FCRA, credit reporting agencies and furnishers of information are required to ensure the accuracy and completeness of information provided to credit reporting agencies. I believe this information is incorrect and has been reported inaccurately due to fraud, mistaken identity, outdated data, and reporting error. 
As stipulated by Section 1681 O of the FCRA, if a credit reporting agency or furnisher negligently fails to comply with their obligations, they may be held liable for damages. I am requesting that you investigate this dispute within the 30-day period prescribed by the law and take appropriate action to correct or remove the inaccurate information from my report. 
If this issue is not resolved in a timely and satisfactory manner, I will pursue all available legal remedies, including but not limited to, seeking civil liability for negligence under Section 1681 O of the FCRA. I trust that this matter will be handled promptly and according to legal requirements. 
Please confirm receipt of this dispute and notify me of the actions you will take to correct the information on my credit report. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a bill in the mail from an collection agency, I was offered to pay less than originally owed. I paid the amount in full as agreed on XX/XX/XXXX. I contacted all three credit agencies and sent proof but still is on my credit now showing late for XX/XX/XXXX and XX/XX/XXXX. I also paid a second bill in full of XXXX on XX/XX/XXXX. To the XXXX XXXX XXXX XXXX XXXX. Also still on credit report.
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 
This account was paid to the original creditor after it was charge off.
Product: Debt collection

I had XXXX XXXX XX/XX/. I received a letter from XXXX XXXX signifying I am " eligible for a discount of 100 %. '' This letter included the date of my XXXX. All XXXX  costs were nullified with the SOLE exception of {$100.00} for anesthesia, which was provided by XXXX XXXX. They have repeatedly refused to remove this bogus charge from my account, though I have repeatedly ( at their request ) resubmitted the financial aid letter as proof. ( They should not have needed this, as it was NOT an outside agency providing this service. ) They have since reported this to my credit. XXXX has already removed the false charge from my credit report after receiving the same evidence.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hi Team, Thank you for your time. 

A gentleman used his credit twice to lease XXXX and XXXX Hyundai. I made the payments. XX/XX/XXXX loan papers completed to buy out lease of the XXXX. I am listed as the buyer and the gentleman as the co-buyer. 

{$36000.00} financed, {$780.00} per month covered by me for XXXX months. With no communication or request, the gentleman paid the next XXXX payments. I paid XXXX. On 29 days past due, the gentleman hadnt surprised me with the mystery gifting. Hyundais website would not allow me to make payment as it had the XXXX previous times. Photographed and later sent to Hyundai dispute department, the screen notice reads : Your account is not eligible to make a one time payment at this time because your account is inactive or you have no more payments remaining .... Customer Service : XXXX XXXX XXXX XXXX. 

XXXX XXXX, financial services rep available. I made the payment. The rep said to me, good thing you paid, you can be towed on the 31st late day when there is a LEGAL HOLD on your car. What is that? ... .. she talked to management and then relayed to me that she could only talk to the buyer or his ATTORNEY. What attorney? 

My XXXX club could not tell me what a Legal Hold was, in this scenario. DMV could only tell me that the record looked good from their end. Hyundai dealership that sold me the car could only instruct me to try corporate again. I did, and same as before, they would not tell me what was going on. I was told it was being escalated to the RECOVERY DEPARTMENT. 

I use my name and social for all login and verbal communication with finance. The finance website labels the account with gentlemans name. A payment history I recently requested came to my temporary mailing address in the gentlemans name. Hyundai Assurance Car Care mailings are addressed to me. The California DMV registration reads : Me or the Gentleman. 

Why did the dealership have the XXXX year old gentleman sign as co-buyer if it was only his credit that makes the sale possible? Why did Corporate then reverse those positions? Is this just a Legal way to make the sale and get the numbers to crunch? Why does the attorneys presence get the company to stop treating me as a loyal customer? 

A Promise to Us written in the sales contract I signed reads : You ( I ) agree not to expose the vehicle to misuse, seizure, confiscation, or INVOLUNTARY TRANSFER. I will keep this aspect of the contractual promise just as I have kept my payment promise. What possibly could I have done improperly to deserve being kept in the dark about why the car I am faithfully making the payments on is being referred to the Recovery Department?
Product: Checking or savings account

Capital One 360 closed my checking & savings account for no good reason. They sent me an email saying that they were closing my account and I could no longer bank with Capital One. Ive been with them for years and they randomly decide to close my bank account. The only thing I " did '' was accidentally transfer money from one savings to checking that wasn't there. I called and told them it was an accident but they didnt seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CURRENT CREDIT REPORTS. I'VE NEVER RECEIVED ANY TYPE OF NOTIFICATIONS IN REGARDS TO THE INVESTIGATIONS RESULTS. IT HAS BEEN WELL OVER THIRTY DAYS. ALSO I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent via Certified Mail - Return Receipt Requested Re : Account Number XXXX - DEMAND FOR 1099-C AND IMMEDIATE CREDIT REPORTING CORRECTION To Whom It May Concern : I am writing regarding account number XXXX which your company has charged off as a profit loss. Your company is currently reporting an outstanding balance on my credit reports despite this charge-off, and has failed to provide the required IRS Form 1099-C ( Cancellation of Debt ). 

This constitutes a serious violation of both tax law and the Fair Credit Reporting Act ( FCRA ). Under 26 CFR 1.6050P-1, you are required to file Form 1099-C with the IRS and provide me a copy when a debt is discharged. Additionally, reporting a balance due on a charged-off account violates FCRA 1681s-2 ( a ) regarding accurate credit reporting.

IMMEDIATE DEMANDS : 1. Provide a copy of the IRS Form 1099-C for this charged-off debt within 15 days 2. Remove all references to any outstanding balance from my credit reports within 48 hours 3. Provide complete documentation showing : - The original debt agreement-
The date of charge-off - The amount reported to the IRS as discharged - Proof of proper IRS filing Your current actions constitute : - Violation of IRS regulations regarding debt discharge reporting - Violation of FCRA regarding accurate credit reporting - Potential tax fraud by failing to properly report discharged debt - Consumer fraud by attempting to collect on a discharged debt If you fail to comply with these demands within 15 days, I will : 1. File a formal complaint with the Internal Revenue Service 2. File complaints with all three major credit bureaus XXXX. Submit a complaint to the Consumer Financial Protection Bureau 4. Initiate legal action seeking statutory damages under FCRA 5. Pursue additional damages for : - Willful non-compliance with federal regulations - Tax reporting violations- Emotional distress - Damage to my credit standing - Legal costs and attorney fees Under FCRA 1681n, willful non-compliance can result in : - Actual damages - Statutory damages of up to {$1000.00} per violation - Punitive damages - Attorney 's fees and costs This letter serves as your final opportunity to correct these violations before legal action commences. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX : Experian, Internal Revenue Service Attorney General 's Office California Department of Justice, Consumer Financial Protection Bureau
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX accnt # XXXX XXXX accnt # XXXX XXXX accnt # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am federally protected consumer. I reached out to TransUnion in XX/XX/2022 to dispute inaccuracies and erroneous information via USPS on my credit report with their company. In response, TransUnion sent me via USPS 3 months later on XX/XX/2022 report number XXXX stating that the inaccurate information and incorrect information was VERIFIED AS ACCURATE. I immediately responded via usps requesting all documentary evidence substantiated to conclude and verify as accurate which I am well in my right. I have received nothing.
Product: Debt collection

I have received repeated phone calls from  Nationwide Debt. My mother was called and contacted me. They threatened to contact me at work. I called Nationwide to understand the nature of the call and was informed that I owe a debt. I did not recognize the debt  yet they had personal information that I did not share with them. I tried to relay to the representative that I wanted proof of the debt. The representative was rude and condescending with me so I discontinued the call. I was later called on my job by  XXXX   XXXX  to resolve this matter.  It is one thing to contact me through family members and my cell phone and it is completely egregious to call me a t work.   My company does not condone the use of their phone for personal matters. If I broke company policy that would put my livelihood in jeopardy. I have a problem with this approach. It is my desire to never have them contact me again at work or any other number that I have not authorized.
Product: Credit card

On XX/XX/XXXX I had a XXXX  consultation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida for dental work. His office is located at XXXX XXXX XXXX. During the consultation he advised me that I needed XXXX crowns or I would lose all my teeth. He also asked me how much I could afford per month. He advised that he would charge {$10000.00} for his services. 

On XX/XX/XXXX, I went in for about an hour and a half of dental work to have XXXX temporary crowns put in and I followed up in XXXX for the permanent crowns. During this time I began receiving bills in the mail from a company called Care Credit, and I had learned that an application had been filled out in my name and I had been charged interest at the time of consultation. In fact, had I known XXXX XXXX applied and already charged me for the services not even rendered on XX/XX/XXXX, I would have run out of his office and never seen him again. 

Things took a turn for the worse as I experienced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I saw XXXX additional dentists, advising me of bad work performed by XXXX XXXX ( malpractice ), XXXX of the XXXX XXXX having to be replaced and now needing XXXX full implants - work that now will likely cost {$30000.00} or more to repair the damage he has done to my teeth and bones. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am extremely disappointed that a doctor could take advantage of me by filling and/or doctoring forms to procure a credit card in my name, charging credit for services before they were rendered and then rendering services so bad so as to cause financial damage more than XXXX times the cost of what was charged. 

I would like it notated that my husband assisted me with writing this letter and all statements contained herein are a matter of fact and 100 % truthful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an email stating my dispute results were ready. The company still refuses to removed the items I disputed. At this time, I am requesting an audit of the investigation that took place for the dispute report # XXXX, and investigation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Information Services, has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

For about 3 months I have contacted Chase in reference to receiving mail for an unknown person to me or the address. This mail from chase is for a checking account. Chase today specifically a supervisor by the name of XXXX advised me Chase can not verify addresses when customers open an account so there is nothing they can do in reference to a fraudulent account being opened using my address.
Product: Credit card or prepaid card

XX/XX/2021 someone took {$480.00} out of a XXXX XXXX XXXX with my BofA EDD card information. Bank of a America closed the case without refunding the money that was stolen. Phone call after phone call, Bof A agreed to look at this case again. The claim number is XXXX. Earlier this week I filed a police department with the XXXX, CA police department The police report file number is XXXX. XXXX XXXX XXXX took the report. His badge number is XXXX. His cell phone number is XXXX. His office number is XXXX. The address of the police department is XXXX XXXX XXXX XXXX, CA XXXX. I want Bof A to refund me {$480.00} for the identity theft that was committed!