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

First, after I bought the new car on XXXX XXXX XXXX was SUPPOSED to pay off my old lien holder involving a car from a car accident ( I didnt have GAP insurance so I owed around {$3000.00} thus why I was buying another car ). They repeatedly dodged my calls and I had to go in countless times to the dealership with my kids just to get an answer. The finance manager at XXXX XXXX ( XXXX ) told me at the end of XXXX that the payment was sent to my old lien holder. XXXX I get a call from my old lien holder asking why they havent received the rest of the payment from me. I assured my old leinholder that the ~ {$3000.00} was sent end of XXXX from XXXX XXXX in XXXX Indiana AS XXXX HAD SAID. XX/XX/XXXX comes, and my old leinholder reported me late for payment. ( This dropped my credit 70 points. Ive been working on my credit for four years and now Im back where I was when I was XXXX  ). I go into the dealership again, and XXXX tells me that there was a mistake on my paperwork when I officially bought the car. XXXX told me the paperwork does NOT have anything regarding paying my old leinholder. I thought this was very odd, especially considering I didnt get approved the first time they ran my credit BECAUSE of the amount I owed my leinholder! They had told me they were financing the XXXX on top of the cost of the car. Anyways, XXXX Im at the dealership, I ask XXXX to see their copies of my paperwork and sure enough, its as if there was never any talk of the {$3000.00}. They then handed me a yellow slip that says I owe, promising me a {$3000.00} check. I was told I was being given customer service from the owners wallet by XXXX. Me, being desperate to save of whats left of my credit and pay my leinholder, I pay my leinholder hoping that the closed account would boost my credit. I was happy for a short time until I found out that it did nothing. Turns out, payment history is a significant part of your credit and neither the dealership nor my old leinholder will help me with fixing my credit. My old leinholder asked for a statement on letterhead from the dealership explaining why the payment was delayed in XX/XX/XXXX so they would remove the late payment flag. XXXX said that there was no way he could do that because if they got audited it would look bad. My information was misused when obtaining a car loan as well. Im a XXXX XXXX who attends XXXX  full time and receives a lot of XXXX XXXX : I do not come close to making the {$2500.00} a month put on the paperwork. I didnt know the income was inaccurate until XX/XX/XXXX. XXXX XXXX also put several inquiries on my report and say that cant help remove any of them. I wouldnt care if one or two were kept, but they dragged my credit through a ton of banks and now its showing up as a large sum of inquiries. Im desperate to save my credit and I need help. Ive been to all three credit bureaus and have been in full communication with my old leinholder XXXX and the new dealership XXXX XXXX in XXXX IN.
Product: Debt collection

I have two Derogatory marks against me from XXXX and XXXX. Stating the accounts were dismissed due to chapter XXXX. I have never filed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I ask for a PIN Number involving my Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through fouXXXX more Equifax Confirmation Numbers after asking for a PIN Number to my Equifax Credit Freeze Report. And after asking for a Pin Number to my Equifax Credit Freeze Report. And after five tries one Equifax Representative stated on XX/XX/XXXX, that a creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

This iswas totally incorrect, wrong. I, XXXX XXXX left XXXX, TX on XX/XX/XXXX and moved to the XXXX XXXX XXXX, in XXXX XXXX, GA. And my address was and has been XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX , GA XXXX since XX/XX/XXXX. Then I asked WHICH CREDITOR? 

Even my XXXX XXXX XXXX as well as the Veterans Administrations are aware of my address change since leaving XXXX XX/XX/XXXX. And I have received appointment notices to my XXXX XXXX, GA Address since moving to this address. 

And what is so troubling about these five tries is that my address information has been compromised by a clandestine creditor, one made up by operatives involving the false traffic alleged citation from the lying XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX. 

And what makes this so ridiculous is that Equifax sent me my XX/XX/XXXX XXXX  Score to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. My First legal name was XXXX which was changed XX/XX/XXXX. However, both the XXXX as well as that of the XXXX XX/XX/XXXX reflects the same first name. So how is it that a clandestine creditor can report my current address and change it to my old XXXX TX Address. Thus the privacy and the communications of an address change has been fraudulent done via the permission of Equifax without notify me nor sending any information that my address has been changed since XX/XX/XXXX from being my XXXX, GA address to that back to my old XXXX XXXX XXXX address. 

This is criminal and I want to be highly compensated by Equifax in the sum of XXXX  XXXX ( XXXX XXXX Dollars ) for their actions of allowing my privacy to be violated. So who is this unknown clandestine creditor that involved knowing my PRIVACY as well as pertinent information. Whom was allowed to change my address without me, XXXX XXXX knowing about it and agreeing with the change. 

Plus, Equifax has failed to reveal who this XXXX creditor is that violated my privacy as well as my Personal Credit Information. This is criminal and I blame Equifax for allowing such without a consent and agreement by me XXXX XXXX of the XXXX, GA Address. 

Because all of my CREDITORS including the banks whom I have credit cards with as well as Department Retailers, XXXX  XXXX, XXXX and the U S Postal Service. All knows and are aware of my current address as being XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several times with the agency XXXX XXXX XXXX XXXX Reporting inaccurate information to the Credit Reporting Agency. I also disputed with my claim with Equifax, stating my claim is disputed and requesting validation of the debt in paticular " FIRST DATE OF DELINQUENCY '' XXXX XXXX XXXX XXXX  " Charge off account '' balance {$17000.00} became delinquent in 2014, account was not brought current. This account should be removed from my XXXX Credit Report.
Product: Debt collection

I was contacted by a company saying they are representing XXXX XXXX I have never gotten a bill from this company they still want to call me with no verification of debt no paper work just harassing calls for money with no verification of debt they are collecting. The company was told to stop calling they continue to call knowing they have been advised to stop calling this is harassment and not business you have never sent verification of debt nor proofing who you are that you have a right to call you have been told on numerous occasions to stop calling but yet you continue to call and state you will call again when you were advised to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an email from " Truist Alerts '' informing me that my new Truist user ID is ready. It stares the account was created on XX/XX/22 at XXXX. 
It includes a number to call if I don't recognize the changes to the account. 
When I XXXX the bank/company, a completely different number is associated with the bank. 

I did not open any accounts with Truist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to XXXX XXXX XXXX XXXX XXXX ( Ref # XXXX ). Having made no attempt to verify the status of the debt with XXXX, XXXX is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from XXXX, I filed a debt dispute with XXXX Apparently XXXX directed their inquiry to XXXX rather than XXXX, the original debt holder. Consequently XXXX is saying the debt is valid based on the outdated information supplied by XXXX. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither XXXX nor XXXX will apparently do so. 

Particulars : XX/XX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. 

XX/XX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from XXXX and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. 

XX/XX/XXXX through today. I contacted XXXX to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When XXXX failed to investigate and resolve the matter I contacted XXXX and requested their assistance ( File Number XXXX ). 

XXXX 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted XXXX and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX XXXXthe current debt holder rather than XXXX and have again declared the collection valid. 

XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX nor XXXX appear to be willing to verify the matter as closed and my credit score is continuing to be adversely impacted. 

I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. 

Thank you.
Product: Mortgage

My mortgage company increase my payment by XXXX % in one month. The mortgage company paid MUD taxes. The XXXX other Mortgage Companies that I had before Nationstar Mortgage knew that I owed the taxes Before I could sell the house I knew that all taxes would have to be paid.But Nationstar Mortgage wanted the regular mortgage payment of {$1000.00} but the {$2300.00} also in one month.Nationstar Mortgage knew that I was XXXX veteran because for close to two years tried to escrowe my account.Before this I made on time payments for three years to refinance my home from 7.99 % adjustable rate.Each time they would try and escrowe my account is it put me as late They took it off my credit report for awhile But Nationstar Mortgage never told my other creditors so my score suffered.Couldnt refinance then strong along with a modification plan.then told the forms were sent by mistake .Now in a chapter XXXX bankruptcy
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

A/o XX/XX/23 ; high balance {$70000.00} ; 180 days showing past due. Account should not reflect 180 days late or be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my credit report was pulled by XXXX XXXX XXXX in XXXX Nevada and some criminal acts and felonies came up under my name, but they are not mine. I have enclosed a copy of my current drivers license as requested by XXXX, which I spoke with today. This should help clear up the confusion and clear my credit report of this fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached data. XXXX ( as one example ) shows no payment amounts being paid when I clearly have been making payments. Monthly. Sometimes twice a month. Also, my balance is incorrect on all 3 credit bureaus which impact my credit utilization and I want to apply for a mortgage soon and I need that to be fixed. The credit card is paid off each month. It's bad enough that Capital One continues to keep my deposit and keep this as a secured card after four and a half years of consistent payments on Time payments and excellent payment history when I have a XXXXXXXX XXXX that gave me an unsecured card and increased my limit three times in one year. Why does capital one refuse to return my security deposit and make this an unsecured card? They give me no explanation and I need an explanation that is clear and accurate. I also need payments that I made to be reported accurately on time and balance has to be correct.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). 
1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX 6. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX  XXXX Account Number : XXXX If can not be supported with documentation, this account must be removed from my credit profile. 
7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is a dirty company that will keep you under their account even though they made their money. If you have a complaint you are already told they are limited in getting back with you. Keep calling until someone in company picks up is the deal. Their answering service is a joke and they deliberately will excuse you for selecting incorrect. Especially at night time!
Product: Debt collection

Dear CFPB, I am writing to file a complaint against IC System for violating my rights under the Fair Credit Reporting Act ( FCRA ). I believe they have engaged in unfair and deceptive practices in relation to a collection account they placed on my credit report. 

Specific Allegations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : IC System failed to provide me with the required validation information regarding the alleged debt before placing it on my credit report. This includes details such as the creditor 's name, the date of the debt, and the amount owed. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given a reasonable opportunity to dispute the accuracy of the account before it was reported to credit bureaus. I did not receive a proper billing statement or any communication allowing me to contest the debt. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : IC System reported the account to credit bureaus without providing the necessary disclosures required by law. This includes information about the original creditor, the date of default, and the validation process. 

Potential HIPAA Violation : The alleged debt relates to medical bills, IC System has violated HIPAA regulations by disclosing my protected health information without my authorization. 

Impact : These actions by IC System have caused me significant harm, including : Damage to my credit score : The inaccurate and unverifiable collection account has lowered my credit score, making it difficult to obtain loans and other credit at favorable terms. 
Emotional distress : The unfair and deceptive practices have caused me emotional distress and XXXX 
Financial hardship : The inaccurate information may also limit my ability to secure employment or housing.
Product: Credit reporting or other personal consumer reports

improper use of my credit report ..Inquieres that dosent belong to me ..Please remove them 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 you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have had several notices from XXXX XXXX XXXX and XXXX XXXX ... each time they report on my credit they report different dates, amounts etc.. they have had several complaints of fraud and consumer complaints. 
I have continually tried to dispute their charges with no outcome and I demand proof of my responsibility of these accounts and the amount. 
XXXX XXXX XXXX & {$380.00} XXXX-the same amounts..be one can find my name on these accounts-and I had medaid coverage on the  dates reported ( which are different on every report ) .I continue to get bills from the with the content " this is a sale '' never again will we give this " sale '' - this is not a legitimate statement from a creditor.

XXXX XXXX-XX/XX/XXXX- XXXX.. & XX/XX/XXXX- $ XXXX-same situation always different dates amounts letters with different amounts owed-and I demand proof of theses accounts that contest I have responsibility for these accounts. 
XXXX XXXX sent me a bill with the name of the agent as name of my son? Last name is XXXX-and have accounts and amounts that are not the same again! 
Debt Recovery Solutions- sending me bills for a hospital in a different city and county I have not been in and that is not mine. 
I have not had any of these debts and they keep showing up over and over with new amounts on my credit.