23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX a unlawful detainer was filed in a XXXX XXXX court house. On about XX/XX/XXXX i went to court and an agreement between me and the landlord was settled. I was to forfeit the property by XX/XX/XXXX in which i did. There was a judgement for landlord in the amount of {$880.00}. The stipulations were me to move out before XX/XX/XXXX and owe the judgement of {$880.00} and pursuant code 1786.18 ( A ) ( 4 ) was in order. In XX/XX/XXXX. Fidelity credit services a debt collector added this to my credit report in the amount of {$1600.00} and a negative report. I tried to talk to them but was told just to pay the judgement then they will remove from my credit report but if i dont pay it will be on my credit till XX/XX/XXXX.
Product: Mortgage

I have lost my job due to Covid -19 and Evergreen Home Loans keeps on calling me and telling me i will lose my house if i do not issue the missed payments and they will start the short sale process. 

Please help
Product: Vehicle loan or lease

On XX/XX/2024 applied for auto loan with Carvana was pre-approved and given terms loan amount, term, rate and payment along with lienholder information. 

Was told that I had to place insurance on vehicle before loan could be processed even though I was not taking delivery until XX/XX/2024 I paid the required insurance premium and forwarded the required documents to Carvana to proceed. 

Also paid a non-refundable shipping fee of {$690.00} which was debited from my bank account. 

On XX/XX/2024 was informed that the loan was declined and could not move forward and shipping fee was non-refundable even though the vehicle was not shipped. 

My issue is I was misled on a pre-approval and charged an upfront shipping charge and have been informed that it is non-refundable.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2023, at XXXX I was advised by XXXX XXXX, a representative at KeyBank XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX come to the bank because she received an email from Key Bank fraud department XXXX They believed fraud had occurred on my account. I arrived at the bank at XXXX and the XXXX XXXX representative called KeyBank Fraud department XXXX I spoke with a gentleman in Fraud Department. He advised me that there had been an ACH withdrawal from my account # XXXX in the amount of {$100000.00}. We spoke a great length and he indicated that KeyBank caught the fraud in time and would be able to reimburse the transaction because it was within the last 24 hours. I thanked him for his work and said if there's anything I can do to help prosecute let me know. He assured that the money would be recaptured. On XX/XX/2023, and after my previous discussion with KeyBank, my bank account was hacked again and {$100000.00} was returned to the account. I thought it was a KeyBank XXXX remittance reversal. It wasnt! 
The next shocking thing that happened was on XX/XX/2023, there was an another ACH withdrawal again in the amount of {$100000.00} ( see the attached information, withdrawals and deposits ). All of this occurred after my discussion with KeyBank on XX/XX/2023. KeyBank representatives should have immediately closed the account, but instead strictly restricted the account. I've spoken with several people at KeyBank and they keep telling me that I must go through the branch manager. On five separate occasions, I spoke with five different KeyBank Managers and the fraud department. All the bank managers insist that while the account was restricted, deposits are allowed to come into the account but XXXX not be allowed to leave. They in essence refused to give me any information. They informed me they will get back to me within 45 to 90 days. One KeyBank representative told me that there is not a timeline for how long this process will take. I am XXXX XXXX XXXX and as you XXXX suspect the {$100000.00} was part of my retirement fund that was being used to fix my property. Please help me as soon as you can. Something funny is going on here.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are reporting a 30 day late payment on my XXXX XXXX  account. This account was never late. This is inaccurate reporting has caused my credit score to drop. Please update account status to current and remove late payment.
Product: Debt collection

This debt was paid by credit card I sent them a copy and XXXX a copy, but every time I try to fight this debt, they contact me by sending me a letter and it start over like I never paid it. This been going on since 2018 when I paid this debt. I just did a dispute this month with XXXX, and guess what I received a letter and it starting over like this is the first time. I always pay my bills never had any issues know I have this company that keep harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit acceptance is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Product: Credit card

I recently found out that I had a negative mark on my credit. I have excellent credit. When I found out that Syncrony Bank/Sams Club had a collection on my credit I did n't know why because I have a business account and it is fine. I found out that they had opened an account for me with a small charge for a purchase I made, I thought, on my business account. I never got a bill or notice or even a card in the mail from opening an account. I went to Sams Club and they told me that an account was opened and they had the wrong address. They had part of my business address & part my home. But I do not ever recall even opening this account. They have advised me that it is fixed but it is not still. I need this resolved as this is erroneous and completely inaccurate.
Product: Vehicle loan or lease

Global lending repossessed the car back in XXXX they keep putting the car in repossion. Status like they dont have the car and reporting late payments
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the XXXX XXXX XXXX account, as reported on my credit file. My review has identified significant compliance issues that fail to meet Metro 2 standards. Due to the ongoing inconsistencies in reporting, I am formally requesting the immediate deletion of this account from my credit report. 1. Inconsistent Payment Status : XXXX reports the account status as Not more than three payments past due, TransUnion as 60 days past due, and XXXX as Account delinquent 60 days past due. The inconsistent reporting of the payment status across the bureaus is a blatant violation of Metro 2 standards, which mandate uniform reporting. If XXXX XXXX XXXX can not rectify this inconsistency across all bureaus, I demand the account be deleted. 2. Conflicting Worst Delinquency : XXXX lists the worst delinquency as 30 days past due, TransUnion as 60 days past due, and XXXX shows 60 days delinquent. Such conflicting information is a failure to comply with data consistency requirements, rendering this account unverifiable. If a standard delinquency can not be provided, this account should be removed. 3. Erratic Last Activity Dates : The last activity date varies significantly, with XXXX listing it as XX/XX/year>, TransUnion as XX/XX/year>, and no date reported for XXXX. This inconsistency violates the requirement for accurate, consistent reporting, and if not corrected, the account should be deleted from my report. 4. Irregular 2-Year Payment History : The payment history reflects 30 and 60-day late payments inconsistently across bureaus, with various months marked differently. The lack of uniformity in reporting payment history further violates Metro 2 standards and raises questions about the datas reliability. If XXXX XXXX XXXX can not align this payment history accurately, I request this account be removed. 5. Inconsistent Reporting of Derogatory Events : Each bureau displays different derogatory events, with XXXX showing 30-day lates in XX/XX/year>, TransUnion showing a 60-day late for XX/XX/year>, and XXXX showing various derogatory statuses. This inconsistent reporting violates Metro 2 standards and calls into question the accuracy of the entire account.
Product: Debt collection

american express called my ex husband today and told them of a balance i owed. according to the fair debt collection practice act, you can not disclose this info to ANYONE!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute - Account Number : XXXX Dear Experian Dispute Department, I am writing to dispute an inaccuracy I have identified in my XXXX credit report concerning the account listed under XXXX XXXX XXXX with the account number XXXX. 

Upon reviewing the account details, I noticed the following discrepancies : XXXX. Charge-Off Date Inconsistency : The payment history section indicates charge-offs in both XX/XX/XXXX and XX/XX/XXXX. A charge-off should be reported only once, and this dual reporting creates confusion and inaccurately portrays my payment history. 
XXXX. XXXX and XXXX XXXX : The account reflects a balance of {$5000.00} as of XX/XX/XXXX, yet the payment of {$170.00} on XX/XX/XXXX, is shown. The payment should have reduced the balance, and the reported balance does not align with the recorded payment activity. 
XXXX. Recent Payment Accuracy : The recent payment date of XX/XX/XXXX, seems inconsistent with the charge-off status, which would typically indicate no further payments are applied post-charge-off. 

I am requesting that XXXX investigate these inaccuracies, validate the information with the creditor, and promptly correct or remove the erroneous data. Attached to this letter, you will find a copy of my credit report with the disputed items highlighted for your convenience. 

Please provide a written response detailing the results of your investigation. Should you require additional information, feel free to contact me at ( XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your immediate attention to this matter. 

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

I have confronted Equifax and XXXX numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided Equifax, XXXX, and XXXX my current, correct address several times but as you can see in the enclosed documents, XXXX fails to list my address correctly, and Equifax lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

( MEDICAL DATA SYSTEMS I ) at ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ) has been sending me collection notices in the amount of ( {$290.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian via certified mail on several occasions disputing with them fraudulent activity in my credit file with a company reporting as XXXX Bank. I provided them a letter explaining the details along with a copy of the FTC identity theft report, my driver 's license, and legal paperwork where I had the case filed and dismissed in court as this fraudulent information was NOT my account. Experian processed the dispute and removed XXXX bank from my credit file on/around XXXX XX/XX/2022. The following month they reinserted the fraudulent account from XXXX bank again. I reopened a dispute with them about this account on XXXX XX/XX/2022 and contacted them on XXXX XX/XX/2022 via phone and was explained by XXXX, Special Services Fraud Dept, that the company, XXXX, sent a response via group chat to them stating that the account has been verified. I asked XXXX to please provide me the method in which they verified the account and he stated that they only sent a response via group chat stating that they had verified the account and were not required to submit any supporting documentation to their response. I am writing to request that the XXXX Bank account be removed because they continue to fail to follow the law and properly investigate and verify this fraudulent account. In addition, I request that Experian be held liable for not properly obtaining verifiable source documents to validate companies claims of verification and releasing it to the consumer when requested, which XXXX and his Team, XXXX were not able to do.
Product: Student loan

I set up a payment plan with Navient for both Federal and Private loans. I have payments scheduled on due dates, the " amount due '' says {$0.00}, yet it shows " past due. '' When payments are made to private loans, there is a " past due '' amount shown after payment has been recorded. 

I have tried calling Navient, but can not get anyone to answer. Instead, I get a recorded message that disconnects the call.
Product: Credit reporting or other personal consumer reports

ive been a victim of idenity theft i check my credit in janaury and notice a navy federal credit union credit card open under my name that i didnt consent to are had any knowledge of this account. someone open and this navy fed credit card under my name using my social security number my driver license and my address through united states postal service mail forwarding and also used spoof my cell phone number and open a bank account with navy federal
Product: Vehicle loan or lease

Purchased a used car which was financed through credit acceptance ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX which I purchased from Initial XXXX XXXX XXXX XXXX XXXX NY XXXX The total amount financed was {$11000.00}. My car was wrecked and was a total loss, the insurance company paid {$8400.00} to credit acceptance on XX/XX/23, my service contract refunded {$890.00} and {$1600.00} to credit acceptance on XX/XX/23, my gap insurance paid them {$35.00} on XX/XX/23. I made a payment to credit acceptance on XX/XX/23 of {$270.00}, XX/XX/23 of {$270.00} and another payment of {$270.00} on XX/XX/23 a total of {$11000.00}. Leaving a credit of {$400.00}, but credit acceptance is telling me that the loan is not paid off and that I still owe them {$6600.00} in interest which would of been the cost of the loan had I paid it over the full term of the loan. I feel this is predatory lending and a violation of the consumer fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did NOT provide 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 ) for collection account XXXX XXXX XXXX. I've tried getting in touch with the collection company as well and didn't get a response back. That very same account was also on my XXXX  which they weren't able to verify and since then has been removed. You guys aren't actually verifying anything it's much easier to just say its verified I would like an reinvestigation and this thing removed off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed inaccuracies on my credit reports and also noticed these accounts were also unauthorized due to my info being shared in the XXXX, Transunion, and XXXX Data Breach. These same bureaus verified these accounts without making sure they were accurate. I asked for steps of verification and they failed to send me any updates. These inaccurate accounts are greatly ruining my reputation and I need them removed immediately
Product: Credit reporting or other personal consumer reports

FINAL NOTICE! I have contacted this companies that I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS and UNITED STATES of AMERICA FEDERAL LAW. 

Please block and remove all information from my credit report and send me an updated copy of my credit report. 


Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 
In accordance with the FCRA, a consumer report excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Any inclusion of late payments or derogatory statuses constitutes a clear infringement of XXXX XXXX XXXX ( d ) ( XXXX ), as this information relates to the consumers experiences. 



Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Debt collection

XX/XX/2023, MidLand Credit Mgt called multiple times, then explained to me, next step will be legal action using an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is showing as a charge off/collection. This account was included in my XXXX XXXX bankruptcy filed in XX/XX/2021. I have had nothing but problems with this account and attempted to fix. The company continues to willfully report false information despite being notified by my XXXX of XXXX XXXX. This is a violation of FCRA laws. 

Account information is not accurate