23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is a formal complaint against Elite Fin, a collection agency located in XXXX, Mo. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I 'm just over my head with this company. I ca n't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Product: Payday loan, title loan, or personal loan

My car was paid off on XX/XX/XXXX. To date, I have NOT received the original title or the refund check of {$39.00}. I contacted Chase by phone on XX/XX/XXXX. Chase assured me that I would receive in the mail, a re-release letter by XX/XX/XXXX. The refund check would follow shortly.

OnXX/XX/XXXX, I had to contact Chase AGAIN and make a SECOND request to re-issue the documents in order to obtain an original title. Chase now says that the necessary paperwork should be completed byXX/XX/XXXX and I should receive it by mail. 

It has been OVER two months since the car was paid off and I still do not have an original title to the vehicle. 

Please advise.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX sent us a notification of Mortgage transfer to Nationstar Mortgage LLC. As of XX/XX/XXXX, we have still not received any notices or mail from our new Loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is an educational loan through XXXX XXXX opened as a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for XXXX XXXX on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that XXXX was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to XXXX website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Dispute of Inaccurate Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure timely payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, TransUnion reports a 30-day late payment for XX/XX/2024 on my XXXX XXXX account. My payment records confirm a consistent history of on-time payments due to my autopay enrollment, and I have not missed any payment obligations. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments.

Payment History : This account history reflects a consistent record of timely payments. However, XXXX report erroneously lists 30-day late entries for XX/XX/2024 and XX/XX/2024. Additional 30-day late entries are also incorrectly reported for XX/XX/2024 with both XXXX and TransUnion. My autopay setup ensures on-time payments for all accounts, and my records substantiate a perfect history of timely payments. 
Attachments : A copy of my government-issued ID Social Security verification My latest account statement from XXXX XXXX showing payment status I expect to receive written confirmation of the removal of this erroneous late payment entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$65.00} charge go to collections in XX/XX/XXXX and I paid it off in XX/XX/XXXX. While working with my financial coach, we realized that TransUnion was still showing this collections account as open in XX/XX/XXXX. I contacted TransUnion on XX/XX/XXXX to report the issue and the collections account was removed from their reporting the same day. However, when I went to rerun my credit score and report, my coach saw that my score did not change as a result of the account removal, and saw that code XXXX : serious delinquency and code XXXX : time since delinquency too recent were both still showing as reasons for my lower credit score. 

I called TransUnion on XX/XX/XXXX to ask why the codes were still appearing even though there were no longer any delinquencies on my report. They told me that it was a XXXX issue and I would need to contact them. When I called XXXX, they told me that they only report on what is being included in the TransUnion report and that I needed to talk to TransUnion about why it was showing up. I then called TransUnion again, but was again told that I needed to contact XXXX. 

I decided to try waiting a few weeks to see if it needed more time to adjust, but when meeting with my financial coach again on XX/XX/XXXX, the same error codes were appearing and my credit score was the same as the previous score. I have not received any resolution and my score has been significantly impacted for years because of this issue.
Product: Debt collection

Ive previously disputed this debt, it was removed and added again. Ive also provided all the required relevant documentation numerous times. I have included the initial complaint, in which Columbia Debt Recovery admitted to the negligence of the fraudulent reporting, and that it would be removed.
Product: Debt collection

I received medical treatment I was paying cash at completion of service. I was given a good faith estimate and made sure we did not go out side of the scoop of the good faith estimate. I paid in full {$930.00} dollars before leaving by credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX  taking over from XXXX XXXX when my loans were actually due each year for renewal of deferment etc.
Product: Debt collection

ARS ACCOUNT RESOLUTION was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to EXXXX XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party.
Product: Credit reporting or other personal consumer reports

This company ran my credit with a hard inquiry when I was told it would be a soft inquiry. I did not authorize them to pull my credit. They did not say do you authorize me to do a hard inquiry on your credit? The only reason why I called in was because I knew they did soft inquiries first before trying to do a hard inquiry, and they were supposed to check to make sure I wanted to do a hard inquiry but they did not. I emailed in and tried to get them to dispute it but they would not. These companies get plaid off hard inquires and they will do whatever they can, to not dispute it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to the credit bureaus disputing several unauthorized hard inquiries on my credit report. Despite my efforts, all of the protested inquiries are still being reported on my credit file. These unauthorized inquiries are affecting my credit score and overall financial health.

In my letter, I explicitly requested the removal of these inquiries, providing detailed information and supporting documentation to substantiate my claims. I have attached a portion of my credit report highlighting the hard inquiries in question, along with a copy of my letter dated XX/XX/year>. 

The continued presence of these unauthorized inquiries on my credit report indicates a failure by the credit bureaus to properly investigate and address my dispute. This negligence has resulted in ongoing harm to my creditworthiness and financial stability.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : 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 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 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 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 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 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

Exercise my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the Credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX  XXXX Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX Number : XXXX Account : XXXXXXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX  Number : XXXX Account : XXXXXXXX XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX now Number : XXXX Account : XXXX Now Number : XXXX Account : XXXX  Now Number : XXXX Account : XXXX now Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXXXXXX XXXX Number : XXXX Account : XXXX XXXXXXXX XXXX  Number : XXXX Account : XXXX XXXXXXXX XXXX Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : No Account #
Product: Credit reporting, credit repair services, or other personal consumer reports

I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2023 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report from EXPRIAN on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 2. XXXXXXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 3. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 4. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 5. XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : The Credit Bureau did not remove anything please remove accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus and collections agency have violated my consumer rights, this was paid off XX/XX/XXXX, and is still reporting on my consumer report as unfavorable. It's currently listed as written off but the consumer paid for it. I have requested it is taken off and as of XX/XX/XXXX it is not removed. 

According to 15 USC 1681i ( 5 ), the dates and outcome are incorrect, and id like this to be fixed. 

This violation is hindering my ability to apply for a home and will result in a huge negative impact on my family and me. 

thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For those violations.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a discrepancy in the reporting of my credit file by your bureau. The issue pertains to the account managed by BMI FINANCE INC, which is inaccurately listed as an auto loan by your agency. 

Upon reviewing my credit report, I have observed that XXXX ( XXXX ) is reporting the account type as an auto loan. This information is factually incorrect. The account in question is correctly identified as an " installment loan. '' However, the accurate account type should be a " Credit Sale Agreement. '' I understand the importance of maintaining accurate and up-to-date credit information, as it significantly affects my creditworthiness. Discrepancies like this can have adverse effects on my financial standing, and I believe it is imperative to rectify this error promptly. 

I kindly request that you investigate and rectify the account type misclassification at your earliest convenience. The accurate reporting of the account type is crucial for the integrity and accuracy of my credit file. As a consumer, I have the right to an accurate credit report, and I believe it is crucial to address discrepancies promptly. 

I appreciate your attention to this matter and your prompt resolution. If needed, I am willing to provide any additional documentation or information to support the correction of this error.