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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unaware that it had been sold until recently. 
As per my understanding, I was legally entitled to receive : 1.A Pre-Sale Notice informing me of the time and place of the sale, allowing me the opportunity to reclaim the vehicle or settle the debt.

.2.A Post-Sale Notice providing details on the final sale price, how the proceeds were applied, and a breakdown of any remaining balance.

Since I did not receive these required notices, I believe the lender/agency has failed to follow proper legal procedures, which may impact the validity of the deficiency balance. Additionally, I have confirmed that the vehicle was sold for {$9100.00} yet I am still being pursued for the full original balance of {$17000.00}, which is incorrect.

I am formally requesting the following : Verification of the debt, including a detailed breakdown of how the remaining balance was calculated.

Copies of all notices related to the repossession and sale of my vehicle, including proof that they were sent to me.

A review of my case to determine if the deficiency balance is still legally enforceable based on the lack of proper notification.
Product: Credit reporting or other personal consumer reports

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Product: Student loan

Aidvantage is my student loan servicer. 

When borrowers go to Aidvantage 's website to make a loan payment, before said payment can be made Aidvantage makes borrower agree that they've 'read, understand, and agree to the Electronic Payment Authorization ' ... however they do not provide a copy of this Authorization anywhere on their site. 

I called Aidvantage about this on XX/XX/23 and the rep told me that it was not available on the site but that they could email it to me ... in eight business days! ( Mind you, interest accrues daily on these loans so they are dragging their time out ). 

Eight business days come ( XX/XX/23 ) and I don't receive an email with the promised Authorization. So I sent a message through Aidvantage 's site requesting the copy of that Authorization. ( The auto-response to this message says I will receive a reply in two business days. ) Seven days later ( XX/XX/23 ) I receive a message from Aidvantage saying " We are aware of the issue. I apologize for any frustration. '' They have STILL not provided a copy of the Authorization that they REQUIRE all borrowers to acknowledge having read. This is highly suspect to make people agree to terms that they can't even read! 

I sent another message through the website on XX/XX/23 and have still not received any reply. 

Aidvantage has intentionally hidden necessary terms that will negatively affect borrowers and make them pay extra fees or more money AND they refuse to answer/reply to any calls and messaging.
Product: Debt collection

I was approved for a loan on XX/XX/XXXX of {$400.00}. My 1st payment was due XX/XX/XXXX. Prior to that date I opened a new checking account and they are one of several creditors I forgot to call to update my new banking info also due to me being out of the country I was not able to contact them. On XX/XX/XXXX, 4 DAYS after a missed payment I received a text threatening to garnish my wages which is a violation of UDAAP act and FDCPA laws. On XX/XX/XXXX my payroll received a garnishment order from Advance Paycheck to withhold 15 % of my wages every pay period. The notice sent to my employer states I received a copy of the writ order which is very misleading. Where's the court order, validation, copy of notice ( when was it sent and to where? ). Advance Paycheck NEVER sent me a notice or a copy of the garnishment allowing me to respond not resolve the debt nor have they called me. My wages are now being garnished which has caused a hardship because I haven't had prior notice in order to make arrangements. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove late payment from XX/XX/2021 for XXXX  for auto loan ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an incorrect student loan reporting on my credit. My credit report shows that O 120+ days late on payments to XXXX XXXX  XXXX I have a XXXX balance with XXXX University, and have never been late. I have a letter from XXXX XXXX stating that I have a XXXX balance with XXXXXXXX XXXX, and have uploaded and supplied this several times to all of the credit reporting agencies. I have disputed this account several times. The credit bureaus - especially Experian - find no change to report. This is now updating monthly on my credit report, continually dropping my score. Also because of this account I have been denied most credit lines I have applied for, and the ones I was able to secure have charged me higher rates because of this incorrect account. XXXXXXXX XXXX also lost a fraud lawsuit by the FTC, in which students such as myself were found to be victims of false advertising, and were reimbursed or had loans cancelled, yet all of my student loans - which were all for XXXXXXXX XXXX  - are still being reported as currently owed.
Product: Credit card or prepaid card

I pay the full balance on my credit cards on time every month, but on XXXX XXXX, XXXX, I was late by a few hours from the cut-off time and paid the full balance, {$370.00} for BJ 's Perks XXXX  Mastercard by Comenity Bank XXXX XXXX pm on the due date. ( I had been scheduling the payment on my mobile phone that afternoon, my phone died before I completed the process and I couldn't charge the phone until I was back home later in the evening. I called the representative to explain the situation but could not have the prospective late fee waived because I had a previous late payment incident a few months before, unfortunately. All my other credit cards are always paid on time, but it just happened that I was in unfavorable situations on the payment dates for the BJ 's Mastercard two time that were quite close together. ) So the following month, the billing statement included a late fee and interest charge, for which I paid the full balance ( purchases XXXX + late fee 35 + interest charge XXXX = {$230.00} ) on time on XXXX XXXX. But again this month, I was surprised to find another interest charge ( {$5.00} ) in the billing statement ( due on XXXX. XXXX ). I called the credit card company to have the error rectified, but got an answer that it was NOT an error and it was due to the residual interest. I had never experienced a residual interest issue before. Is it legal to charge interest two months in a row when there was only one incident of late payment? 

The supervisor on the phone told me that I should have asked to pay off the interest IN ADVANCE over the phone when I was late in payment in order to avoid a residual interest charge. It still didn't make sense to me because what she refers to is the interest that was charged the first time. And if the residual interest was generated at all, it shouldn't have been as big as the initial interest charge, should it? How can the interest have accrued that much after I paid the full balance in XXXX and again in XXXX? When I talked to a second supervisor, he informed that the residual interest policy was newly implemented since XX/XX/XXXX, but when I checked my previous statements, nothing of that sort could be found for my first late payment which happened back in XXXX. I find Comenity Bank 's fee policy dubious and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX I am writing to formally dispute inaccuracies in my account reporting and address serious violations of the Fair Credit Reporting Act ( FCRA ) by your institution. Please note that I have already filed a complaint regarding these matters with the Office of the Comptroller of the Currency.

Your records erroneously report late payments on my account, which is not only inaccurate but also a clear violation of my privacy rights under 15 U.S.C. 1681 Section 602. Additionally, you have furnished my account information without my written consent, contravening 15 U.S.C. 1681 Section 604.

As a remedy for these violations, I am requesting : A financial compensation of {$3000.00} for the damages caused. 
Immediate correction of my account records to reflect that all payments are current and have never been late. 
Furthermore, pursuant to 15 U.S.C. 6802, I hereby opt out of any and all authorizations for sharing my personal and financial information, including any previously given consents, whether written, unwritten, verbal, or non-verbal. You are not authorized to share my information under any circumstances henceforth. 

I expect prompt action on these issues, including written confirmation of the account corrections and acknowledgment of the compensation. Failure to adequately address these concerns will result in further action. 

Thank you for your immediate attention to this matter. I anticipate a response within 30 days of this letters receipt. 

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

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to XXXX days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXXXXXX I asked Equifax on XXXX occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX. This company named XXXX XXXX XXXX has falsely reported a collection account to my credit report that I do not owe!!! The account is titled XXXX XXXX for approximately {$1600.00}. I've contacted the hospital and they've stated to me that I don't have any outstanding balances and that everything was paid in full. My name is XXXX XXXX XXXX. I have all my receipts to backup my statement. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Florida 's Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of XXXX law. Please note that the these liabilities are under the penalty rules of the HITECH Act. DELETE THIS ACCOUNT!! The account is listed under XXXX XXXX. This account needs to be removed off of my credit reports ESPECIALLY TXXXX
Product: Vehicle loan or lease

I financed a commercial vehicle with a finance company that I feel has blatantly attempted to ruin my financial life. I applied for this vehicle loan with an XXXX credit score and still was told I had to put down a XXXX XXXX dollar down payment. I never received any documentation or a receipt assuring me that my down payment went towards the principal balance or the interest rate of the loan. Usually for every XXXX dollars you put towards a vehicle loan it usually decreases your monthly payment. In this case it did not, despite me putting down XXXX XXXX dollars. I was not given an option to choose the amount of months I wanted to possess my loan. They pretty much chose for me. I tried multiple times to log into my online portal to view my principal balance, interest rate, monthly payment, and payment history towards the loan, but I could not because the lender informed me that they dont offer that service. This was a red flag because out of every loan Ive ever gotten, Ive always been able to log into a portal and see what I am paying towards and overall get details on my loan. But could not. I asked this finance company to send me a letter explaining why they dont offer this service and they could not. Overall this company is leading me to believe that they are loan sharks and predatory lenders, and I need you guys help to hold these individuals accountable for trying to take advantage of the consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX  was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : Zero out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute of Fraudulent Collection Items and Violation of FDCPA by Consumer Adjustment Corp** To Whom It May Concern, I am writing to formally dispute the accuracy of certain items on my credit report related to Consumer Adjustment Corp. These entries are erroneous and have been added to my credit report without my knowledge or consent. The details are as follows : **Disputed Accounts : ** **Consumer Adjustment Corp** **Amounts** : {$450.00} and {$330.00} **Violation** : FCRA Section 623 - Reporting inaccurate and fraudulent information. 

The first collection item amounts to {$450.00} and the second to {$330.00}. These entries were added without my knowledge or consent, and I dispute their validity. 

The agency name listed on my credit report is " Consumer Adj Co '' instead of " Consumer Adjustment Corp. '' This discrepancy appears to be a fraudulent move, likely intended to confuse or mislead, further undermining the legitimacy of these collection entries.

I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these fraudulent entries. This is a formal demand for the immediate removal of these items from all credit reporting agencies. 

In light of these violations, I request the immediate removal of the aforementioned items from my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611, which grants me the right to dispute inaccurate information on my credit report.

**Enclosures : ** - Copies of the dispute letter sent to Consumer Adjustment Corp .

- Proof of mailing and tracking numbers for the dispute letter.

- Any other relevant documentation supporting my claims. 

I expect your prompt attention to this matter and a resolution within 30 days as stipulated by the FCRA. Failure to remove these erroneous items will result in further actions, including additional complaints to the CFPB and possible legal recourse. 

Thank you for your immediate attention to this serious matter. 

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

After reviewing my credit report I found errors, invalid and accurate accounts reporting on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXX # XXXX account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX 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 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contenting 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 then 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am a victim of id theft and my personal information was compromised in the XXXX  data breach. This bureau received my identity theft report on XX/XX/2018, along with the list of items that were linked to the fraud. 
As per the FCRA they are required to block all fraudulent information within 3 days of receipt of dispute. This was not done, the fraudulent items still plague my credit report. The company has violated my rights under the FCRA as a victim of ID theft. 


Enclosed Copy of disputes received by bureaus Copy of ID theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper spelling of my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX
Product: Credit reporting

I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible.
Product: Credit reporting or other personal consumer reports

I settled my account XXXX XXXX XXXX  XXXX XXXX account with XXXX XXXX XXXX On XX/XX/2023 with the understanding that account will be deleted from my credit report. I have tried to do this with the bureaus but they just don't do anything