23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This personal loan was approved for {$10000.00}, of which was a credit card payoff loan. I did agree to auto payment to upgrade for loan. I was told that it would save me interest and would be a 36 month contract. I have made several attempts to get a statement from them, unable to contact them by phone. I received only a letter with my current balance, but no interest was disclosed and my payment history was not shown. I recently got my credit report that showed me this upgrade account is showing 90 months to payout and by my calculations, the interest they are charging me is over 50 %. This is NOT what I was told to expect. Im asking for help because I have no copy of loan, no account # and havent received any statements. They just keep taking payments from my bank account
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and realized there is fraudulent activity on my report and it is hindering me from being approved for any credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to Nissan XXXX. I purchased and financed a vehicle for my sister as a co-signer to get her a new car and help build her credit. There was a technical error that involved payments not being withdrawn from my account. The issue went undetected for 3 months because I never received any written statement, phone call or email regarding the issue. Because my Sister was listed, she was the primary contact and never answered the call because Nissan may look like a spam caller.

My credit score has always been emmaculate and cash on hand has always been 4x this assets value. I reached out to explain my issue and was told to take it up with XXXX, their investigation did not result in any fixing of the issue. 

I have obtained an attorney and was told to start here with CFPB. Because of this issue, my credit score tanked XXXX pts ( somehow I didn't even get alerted. ). This impacts me greatly and affects my ability to buy a home if I choose to. 

I'm looking for assistance to work with Nissan to get this resolved. The automatic drafting has worked since speaking to their support. I have all records of cash on hand, credit history, and automatic withdrawals working now to support this case. 

Please halp XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is suppose to be removed from my report. You are refusing to do your job under FCRA and failure to comply will result in a lawsuit. I will attach documents to prove I am requesting this matter be fixed quickly. I have enclosed my driver license with my current address, my birth certificate and the letter in reference to said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, Transunion, XXXX, and XXXX  are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor. 

Please help.
Product: Student loan

Aidvantage received management for my loans from XXXX. They have been instructed by the Department of Education not to contact me and instruct me to resume payment after the national federal forbearance. They called me several times in XXXX requiring me to contact them regarding starting repayment. When I checked my loan status last week it shows that payments are supposed to resume on XX/XX/XXXX. Not only does the go against the Department of Educations instructions it does not meet federal guidelines including receiving a letter at least 21 days prior to resuming payments. Their website has an alert for me stating that my forbearance ends in XXXX days and shows in several places that repayment is required to begin on XX/XX/2022. I have screenshots of these communications in my account.
Product: Vehicle loan or lease

My husband and I filed for bankruptcy in XX/XX/XXXXafter the XX/XX/XXXX crisis so that we could avoid foreclosure on our house. Shortly before we purchased a vehicle from XXXX through XXXX ( which was bought by Santander I believe ). We did not include the car in the bankruptcy because we were not behind and wanted it to count toward our positive credit. However, sometime in XX/XX/XXXXSantander decided it would move our loan to their " bankruptcy department '' once they found out we had filed. Shortly after, I was locked our of my online account, and I did not receive any bills through the mail as I did before. I also did not receive any emails about my monthly statement. I had to call and make payments, which seemed very suspicious to me and was not something I consented to when I purchased the car using their services. I slowly phased out making payments, and my last payment was XX/XX/XXXX in the amount of {$500.00}. After that, I was frustrated with the lack of help in understand the restrictions on my account, and the amount due, that I stopped paying. It was at this time that the car was ruined by a mechanic who replaced the timing chain and subsequently an error in their work wrecked my engine. They failed to admit responsibility, so I poured money and time into filing complaints and looking for a lawyer, and didn't think twice about Santander. 

This past XX/XX/XXXX, Santander called my husband and said they were repossessing the vehicle. I had never received a notice from them about the amount owed or my account. The operator claimed that they could not find the car ; this was a lie as we have lived in the same location for nearly 7 years. Also, the car had been inoperable for the past 2 years. They came at night and got the car, damaging our driveway as the car 's engine had locked up and therefore the tow guy had to drag it. 

Today is XX/XX/XXXX. I am on hold with them. I asked the operator to verify the last bill I was sent. I've been on hold 15 minutes waiting for an answer. She will be sending me a list of all my payments. I have a letter (XX/XX/XXXX) stating that I broke a promise and will owe them whatever is left after they auction the car ( which they did so onXX/XX/XXXX ). 

I am an intelligent person ; this seems ridiculous. I do not plan on paying a dime without a fight. Please help me do so. 

PS - I will also be filing with the XX/XX/XXXX in NC.
Product: Checking or savings account

I set up a new bank to link with my Well Fargo savings account. The new bank is XXXX XXXX XXXX XXXX savings account. Wells Fargo deposited XXXX small transactions into my account I had to verify which I did successfully. Then I transferred over {$4700.00} using their online system. The next day they sent me only an email not through their system, no phone call or any other information tell me the following : Wells Fargo temporarily suspended use of your XXXX XXXX XXXX XXXX account For your security, we temporarily suspended use of the following account for online Bank-to-Bank transactions initiated at Wells Fargo : XXXX XXXX XXXX XXXX XXXX You can not schedule new transfers or submit payments while the account is suspended. Any pending or scheduled transactions will not be processed. 
To reactivate this account, please call us immediately at XXXX, XXXX hours a day, XXXX  days a week. 
Sincerely, Wells Fargo Online Customer Service It states that I could reactivate this account. After XXXX phone calls, an hour and being told all different things and being hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian -XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

I was injured due to me not being able to delegate my funds that were visibly pending even though accounting shows I did not have enough cash to complete the purchase ( s ). As a result, and subsequently, a partial payment was made, with no in store authorized price adjustment. My body and emotional state paid the rest of the actual or overall cost of the transaction ( s ). At the time of the injuries either Cashapp or XXXX XXXX had my cash and I did not possess access to spend any of the pending amounts for any reason. As the company says, the transaction ( s ) were not completed and were voided. Prior to them being voided. I was injured because I did not have access to cash and the release of it to any other companys possession, or peer of the investigated amounts. Those injuries are to be remedied.
Product: Checking or savings account

Deposit of {$3500.00} for my blood son Account froze learned on XX/XX/XXXX by trying to withdraw funds Contacted fraud department explained son had no ID due to a revocation on permit Was told I could go into branch and get my available money by teller but had to bring my son with birth certificate and any form of id that showed birthdate such as social school id insurance card XX/XX/XXXX went into branch and learned needed XXXX  id only acceptable form and could not retrieve my money in account until restriction is lifted
Product: Credit reporting or other personal consumer reports

I am disappointed. I rechecked my credit report again and again and I just feel even worse. I am starting to consider XXXX treatments for the XXXX  XXXX this is causing me. I am rejected by multiple loan applications because of the inaccurate information being reported in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lease with Chrysler Capital and they are destroying my credit. 

My payment information is incorrect. My name is mis-spelled. I have tried to correct it numerous times with the company. This has led to endless confusion. 

They have reported that I have been delinquent on payments. 

I am attaching an excerpt from my billing statement from XX/XX/2022, which was a month where they claim I was delinquent past 30 days. I can supply the full statement if necessary. 

At the bottom, it shows that the total amount due as of that statement is {$0.00}. Yet that same month they reported me for being delinquent. 

I've called them and spoken to senior managers who claim they " are not able to access my statements '' due to " system issues ''. Multiple times.
Product: Debt collection

Dispute Regarding Inaccurate Account Reporting and Violation of 15 U.S.C. 1681 ( e ) b To Whom It May Concern, XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX I am writing to formally dispute the inaccurate reporting of charged-off accounts appearing on my credit report. The accounts in question has been reported as a charge-offs, and yet they continue to be furnished on my credit report as an outstanding debt. Furthermore, I stand firm on my position that this reporting is both inaccurate and unlawful, and I demand its immediate removal from my credit report. 
According to the information available to me, the creditor has issued a Form XXXX for this account, signifying that the debt has been canceled and reported as ordinary income for tax purposes. If a charge-off is considered ordinary income, as evidenced by the issuance of a XXXX, it can not simultaneously be reported as a collectible debt. Reporting the account in this manner is not only misleading but also inconsistent with the legal implications of debt cancellation. 
Additionally, the creditor has failed to provide me with a copy of the XXXX form to file on my tax return as required by law. This failure to notify me is another indication of the creditors negligence and failure to comply with regulatory standards. 
Under 15 U.S.C. 1681b, the Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies must be accurate and permissible under the law. The continued reporting of a canceled debt as an outstanding obligation violates these provisions and is causing ongoing harm to my creditworthiness and financial well-being.

I request that the creditor and all associated parties immediately take the following actions : 1. Cease reporting this account as an outstanding debt on my credit report and remove all associated negative marks. 
2. Have XXXX provide ( XXXX XXXX ) and CFPB with a copy of the XXXX form for my records and tax reporting purposes. 
3. Conduct a thorough investigation into this matter and provide written confirmation of the resolution. 
Should this matter not be resolved promptly, I am prepared to escalate this dispute to the appropriate regulatory agencies, including but not limited to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I am also prepared to seek legal counsel to address these violations. 
Please consider this letter my formal notice under the FCRA, and I expect a response within the legally mandated time frame of 30 days. Failure to comply with this request will result in further action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account with XXXX XXXX was open with a total amount XXXX dollars in which I didnt recognize but during this time actually from XXXX to XXXX I was going through fraud and identity theft issues with my personal bank and credit cards many card were canceled and re issued
Product: Credit card or prepaid card

I moved in the middle of XX/XX/XXXX and notified Bank of America ( I've had a Visa credit card for 30 years, originally issued by MBNA before it was acquired by Bank of America ) that I was moving and to update the new mailing address. I use the card monthly and do not run a balance. I had paid the XX/XX/XXXX to XX/XX/XXXX bill ( not due until XX/XX/XXXX ) a week ago. 

In mid XX/XX/XXXX I tried to use the card at two stores and it was declined. I called Bank of America today to find out if the card 's chip or the strip was bad. The first gentleman I spoke with ( in West Virginia ) was very professional and was as confused as me as to why the card was closed. He went through the payment history and could not determine why the card was closed. He then transferred me to another gentleman in Texas who was also unclear as to why the card would be closed and then he transferred me to another another person in the some other group within Bank of America. This group apparently has been around for about 5 years. They claim to have solicited me in one mailing in XXXX indicating they wanted some information they no longer had or they would cancel my card. They apparently solicited me again the week of XX/XX/XXXX by phone during working hours from a number I do not recognize and was possible spam. So instead of sending another notice when they should recognize that I am settled in my new home, the cancel the card without due notice. 30 years. Their own website indicates they will not solicit information. There is no indication of this pending cancellation on the most recent billing statement.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Information and Filing of FCRA Violation File Number : XXXX Dear Innovis, I am writing to formally dispute inaccurate information reported on my credit file associated with my Social Security Number . Upon my request for a copy of my credit report, I was provided with a report that contains information under a different name, which is not associated with me. The report file number is XXXX. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information in my credit file. The inaccurate reporting under a different name violates these provisions, and I request immediate removal of the erroneous information. 
Please conduct an investigation into this matter and provide me with written confirmation of the steps taken to correct the report. Additionally, I request that this incident be filed as a violation of the FCRA due to the inaccurate data linked to my Social Security Number.

I expect to receive a resolution within the XXXX period allowed by law, and I kindly request confirmation of the actions taken to rectify this issue. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ] XXXX File Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporter act XXXX  acct # XXXX 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 states a consumer reporting agency can not furnish your account without my written instructions
Product: Debt collection

I received a notification from experian on around XXXX saying that my credit score dropped significantly and there have is now an account in collection. I tried to dispute the account several times but it didnt work. The debt amoun is for XXXX dollars I was not made aware of this debt and the account. I cant not file anymore dispute because of XXXX  with the lack of information, I have proof that contradicts that. On XXXX and XXXX there is no account in debt showing. It just showing on XXXX. Im trying to get rid of this account because I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Which make it impossible for me to open up and an account with a phone provider since I have an XXXX phone service instead of United stated.
Product: Consumer Loan

I have a loan with Hyundai Motor Finance that matured in XXXX XXXX. I had some payments deferred to the back of the loan which were due after the maturity date. I have a contract with HMF stating that these payments were acceptable after XX/XX/XXXX, beginning in XXXX XXXX. I have been making these payments two weeks late because my mortgage payment is due at the same time. I do pay the {$30.00} late fee that they request. HMF is stating that I am 30 days delinquent and have reported that on my credit, which has brought my score down significantly. I have the contract from HMF which states that these payments are acceptable, however when I spoke with a representative they were saying that they would withhold the title on the car when I have completed the payments in XX/XX/XXXX. They have also threatened repossession of the vehicle. They are not honoring their own contract, they are phoning my home after I told them not to contact me there. I have a XXXX wife and this is XXXX to her health. I want them to honor their contract.
Product: Debt collection

LVNV FUNDING LLC {$1300.00} C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX They above company was attempting to collect a debt from me. However, I did not know about the debt collection process until i received a summons that a family member gave to me. This was a summons to appear in court on XX/XX/year> at XXXX. 

I contacted the Attorney 's office that is representing LVNV FUNDING LLC Attorney Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX I asked them about the debt and they falsely gave me information the was not true. They told me that the debt was for a company that I did business with over 10 years ago. I then looked at my credit report and did not see this company that they spoke of. I then decided to file an answer with the court after looking up my federal rights. In my answer I stated that I am disputing this debt, and I'm requesting a validation from the pursuant. I stated the plaintiff has not provided breakdown fees including how the alleged debt was calculated and what they claim I am responsible for. The state the debt was created in nor responded to my verbal request for the address and contact information of the original debtor. I was not provided a copy of my signature on a contract or document that hold me responsible for the alleged debt with LVNV funding LLC. 

I also requested that they have not violated the stature of limitations for this debt in the state in which this debt was created. According to the fair debt collection practice act. The reason I requested this in my answer is because the verbally stated this debt was from a creditor from over 10 years ago. 

I also stated to them that, a communication in form of a formal pleading in a civil action shall not be treated XXXX initial communication according to the FDCPA. 

I sent this to them in my answer through the court in XXXX XXXX in XXXX, XXXX XXXX 

After my answer was filed on XX/XX/year>. I received a credit card statement with the company name XXXX  on it. This is clearly not the company they initially said they are taking me to court about. 

They also attached a letter stating this is the proof of debt. 

I appeared in court on XX/XX/year>XXXX  at XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Where I stood before a Judge was not prepared. He didn't even know I filed an answer. The Plaintiff informed him that I filed an answer. The Plaintiff then gave the judge his copy of my answer. 

The judge scan the answer and made a ruling over my case for the plaintiff and ruled default for the plaintiff. 

I feel this is unfair this law off had a stack of case similar to mine and the judge was ruling default for the plaintiff on all of the cases. 

I feel the debt collection process was not done correctly and the judge did not care to event check the laws the was stated in this case on my behalf.