23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I sent Receivable Management Group a validation letter asking them to verify my medical debt. They responded back on XX/XX/2022 with insufficient validation of the debt as I had requested they provide a copy of my signature from the provider showing my request to release information to them. On XX/XX/2022 I sent them another letter asking them to please validate once again the debt by sending me a copy of my signature. It has now been past 30 days and i still haven't received anything from them. They are in direct violation of the consumer law by not responding withing 30 days and failing to validate the debt.
Product: Debt collection

I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. On XXXX  it indicated the collections as Central credit, but on XXXX  it indicates collection agency as Penn credit. They removed it last month off my XXXX  then added it back this month and that is violation of FCRA and FDCPA. the credit bureaus also refusing to provide method verification that the acct and amt are accurate. They refused to provide license #, address, if they can collect under 2 different entities. DEBT VLAIDATION LETTER WAS SENT XX/XX/XXXX CERTIFIED AND NEVER RESPONDED TO. AS WELL AS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX
Product: Vehicle loan or lease

In XXXX of XXXX I went to a car dealership ( XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ) to get a used vehicle. After looking at a few different vehicles I choose one and proceeded to work out the details of the loan. I was asked repeatedly to provide someone that could be a co-signer ( for income purposes is what I was told ) and I stated multiple times that I did not have one. After being told that it would be impossible for me to get a car I called my friend to see if he would be a co-signer for me since no one else would. He agreed to become a co-signer and we filled out the paperwork to get the deal done. The loan was unfavorable the interest rate was over 22 % and my monthly car payment was {$450.00} on a used XXXX XXXX XXXX, but I agreed to the deal because I really needed a car since my previous vehicle was totaled a few days earlier. Upon reviewing the account when it was time for me to make my first payment I noticed that my friend was the main borrower and I was listed as the co-borrower which I called the company Santander Consumer USA and asked about it since my friend didn't have a driver 's license at the time and still doesn't have one. I was told that's not an issue and I asked for the loan to be reversed or cancelled because I felt that was illegal and I had no problem returning the vehicle to them. About a year goes by and I'm struggling to make the payments and they keep calling me to make a payment which I tell them I will no longer be making payments because I'm upset with the treatment and fill the loan was done fraudulently. I took a look at the account and also every single payment that I made went to the interest and I was even charged interest after the car was repossessed. Overall it was a bad experience I was lied to by the dealership and the loan company and it has hindered me from being able to get a decent car loan or any form of credit since then. I feel Santander Consumer Auto preys on people that are in a bad situation financially or credit wise and takes advantage of them through the dealerships since they could just repo the cars within a year of the loan and resale them.
Product: Credit card or prepaid card

I received notification of a hard inquiry made from Capital One and I thought it was strange. About a few days later, I was told I opened up a Capital One Walmart Rewards Card and it was getting shipped to me. I called Capital One right away and reported that as fraud but my XXXX XXXX still went down by like XXXX points based on the hard inquiry.
Product: Mortgage

Complaint against Gmccloan There are no direct numbers to contact a manger We have tried reaching several times We were trying to refinance our property between XXXX and XXXX XXXX The brokers involved have increased our loan amount ( fraudulently ) On investigating the broker let us know that thats how they do business On further invitation from us we figured out that they have misled us To begin with the loan amount did not match the actual loan amount The actual Loan amount was {$440000.00} ( mail and text reference to the broker ) Their paper work Revealed that she stated on the paperwork At {$440000.00} During closing ( if we had signed ) The pay off amount was {$440000.00} She still insisted that the new loan will be for {$440000.00} Came up with a story of how it took close to 90 days. Now for any person If that was true {$440000.00} is not equal to {$440000.00} And {$440000.00} is not equal to {$440000.00}. 
Kindly help us and others so she does not do the same to other customers When asked if we will get a credit she was unable to explain and started yelling at us The broker involved uses XXXX discriminatory words This company is defrauding the customers by increasing the loan amount and starting the loan on falsified amounts as well. On our repeated requests to them they did not produce the paper work, finally yesterday before the intended closing the numbers were not matching up, the broker was not ready to resend the paper work back to the underwriting firm, We requested her to repeatedly connect with her superior she ignored the request. On calling the Escrow office it was confirmed that they take the numbers from the broker she alone is responsible for the incoming numbers.

GMCC Loan Brokers Involved XXXX XXXX ( XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX Direct Number : XXXX XXXX XXXX NMLS : XXXX XXXX : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ext XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the consumer reporting agencies XXXX, XXXX, and Equifax has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXXXXXX myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute on-line with Equifax to remove XXXX   XXXX-XXXX from my file. ( see exhibit 1 ). 
On XX/XX/2019, a letter from Equifax states they verified the item belongs to me and they only made a few modifications. ( see exhibit 2 ) On XX/XX/2019, a letter from XXXX states they notified all 3 credit reporting agencies to delete the account from my report. ( see exhibit 3 ) On XX/XX/2019, I have a notification from XXXX XXXX, XXXX XXXX was removed from Equifax report. ( see exhibit 4 ) On XX/XX/2019, I filed a dispute again with Equifax to remove XXXX from my credit report. ( see exhibit 5 ) On XX/XX/2019, I have a notification from XXXX XXXX again that XXXX XXXX.-XXXX was removed from my Equifax credit file. ( see exhibit 6 ) I have contacted Equifax multiple times. It is unbelievable how they have treated me. The proof is the letter from XXXX itself. If XXXX had changed their position, by law Equifax was required to notify me directly. I should not have had to file multiple disputes for one entry. I still do not know if XXXX has been removed or not. I directed Equifax to send me a new credit report with or without XXXX. I realize the dispute filed on XX/XX/2019 is still within the 30 day period, but my original dispute XX/XX/2019 is now over 60 days old!
Product: Debt collection

it started XX/XX/2019 and they sent me a bill staying that i owe {$7500.00}. I sent multiple letters and called multiple times and they told me that they wont update my account due to me not giving my social security number.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please forward to American Express. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to file a formal complaint against your company, regarding their continued reporting of inaccurate information on my credit report. Despite successful removal of these items by two other major credit reporting agencies, which claims that the information has been verified, which I believe is not possible given the circumstances. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. In my case, two other credit reporting agencies have removed the disputed items, indicating that they could not verify or validate the information. This raises significant concerns about your company 's compliance with these legal requirements. Moreover, the Federal Trade Commission ( FTC ) has established guidelines that highlight the necessity for credit reporting agencies to remove unverifiable information. Furthermore, I am disputing late payment entries on one account that I believe to be inaccurate. As per 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies are obligated to provide accurate information and correct or delete any inaccuracies. Regarding the late payment reporting, it's important to know that under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, if there's a billing error dispute in process, a creditor can not report late payments related to the disputed amount until the issue is resolved. Given that the other two credit reporting agencies have corrected this error, its puzzling and concerning that this particular agency hasn't followed suit. I respectfully request that the CFPB investigate this matter and ensure that [ Credit Reporting Agency 's Name ] complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. This issue is causing undue harm to my creditworthiness, and I seek your assistance in resolving it promptly. I have included the FTC report which has all companies that they still have not removed off of my credit report.
Product: Debt collection

In XX/XX/2020 XXXX XXXX settled with me through a lawyer for the amount of XXXX on a joint loan. They agreed to monthly payments of XXXX a month for 24 months. I have been making the payments the lawyer and on my credit report is still wrong. They are still saying I owe more and not making timely payments. I have all receipts and letter of settlement.
Product: Credit reporting or other personal consumer reports

This is a formal dispute and demand for the immediate deletion of an inaccurately reported charge-off under both 15 U.S.C. 1681c-2 ( FCRA Section 605B ) and 15 U.S.C. 1681i ( FCRA Dispute Process ). The charge-off reported by APPLE CARD/GS BANK USA under account number XXXX is fraudulent, unverifiable, and misrepresented, and must be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Addresses that doesn't belong to my personal profile XXXX XXXX XXXX. # XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Florida XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX listed names that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter on XX/XX/2021, requested that the XXXX XXXX XXXX account on my Experian credit report be deleted and not updated. This account was reporting late payments and is still reporting late payments, and the account is closed. This is a violation, and I'm asking for this account to be deleted, NOT updated.
Product: Debt collection

Midland Credit Management continues to report three collection accounts on my credit report. Despite my request for Midland to validate the inaccuracies, they have failed to do so. Additionally, I have contacted Midlands Compliance Officer to validate these accounts but have not received any updates. Furthermore, Midland did not offer me the opportunity to resolve the debt before reporting it to my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Checking or savings account

I was going through the automated system with regards to my checking account at the 800 number for Bank of America and realized Bank of America charged my checking account a XXXX monthly fee this month of XXXX. I called them about it to find out why this was the case and to my dismay I found out I have been charged a XXXX monthly fee since XX/XX/2019 which brings the total fees since XXXX charged by Bank of America XXXX. I spoke directly to a rep by the name of XXXX looking for an explanation of these fees and she told that my heloc was linked to my account and that I had to maintain a whopping XXXX in my account in order not to be charged a fee. I explained to her Bank of America told me when I opened this checking account many years ago that I would be charged a fee should I go under XXXX. Never was there any mention of any kind of maintaining a XXXX balance in my checking. I would never have signed up for the checking account then. This woman XXXX said no fees would be reversed and that my heloc was sold in XXXX and the fees began then for my checking. Bank of America never once sent me a notice indicating these fees would begin or that I had to maintain anywhere near XXXX dollars in my account. This is so wrong and misleading of Bank of America. Since when can banks just start charging you fees without notifying the consumer first? This is outlandish.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. Since it happened after I made a genuine transaction. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX charged off my account in XXXX of XXXX and sent it to a collection agency in XXXX after charging off the account to collect which is not a legal practice. This is in violation of the fair credit act. XXXX XXXX is still reporting on my credit but asking me to call a 3rd party collection agency to discuss. XXXX XXXX will not allow me to pay or settle but still reporting it. Please remove this from my file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised after careful review of my consumer report I have+ come across the following items on my report. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are multiple inaccuracies regarding the reporting of the said alleged debt. 
This account is currently reported as charged-off. 
This account exceeds the XXXX dollar threshold, I was never sent a 1099c which this account qualifies as realized income. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete these accounts IMMEDIATELY Failure to respond satisfactorily with the above accounts deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX enclosed is a copy of my ID and proof of address
Product: Vehicle loan or lease

For love of XXXX Please help Quality acceptance LLC charged an charged illegal interest rate, refused to contact us when we turned car in a YEAR after we bought it cause they lied, they never let us know it went to auction, refused to send bill of sale of it going to auction, and illegally harassed us to pay the {$8000.00} left on the loan when we turned car in three years early on loan, please help us get {$8000.00} back and ruin this company, we will spend every day and hour, we have letters from over 5 regulators supporting this. Please please get this company to pay me and have them cut off for life for major illegal activity.
Product: Vehicle loan or lease

So, I went to drivetime to try and get a used vehicle on XXXX well, they ran my credit and said I'm qualified to finance something. Well, they put the XXXX XXXX XXXX XXXX XXXX, then proceeds to put a bunch of fees on it and puts a couple charges on it too. They put a XXXX XXXX fee of {$290.00}, a XXXX XXXX XXXX XXXX of {$3400.00}, then a XXXX XXXX coverage of {$1000.00} and a XXXX XXXX XXXX for {$690.00}. So Financed price went to {$23000.00} and they wanted to also put the annual percentage rate at XXXX XXXX It also had XXXX owners before I got the XXXX from drivetime. They charge me twice sometimes XXXX times a month of {$280.00}. I just feel like I'm being taken advantage of especially when at the time I was finishing XXXXXXXX XXXX, and I wasn't in my right mind to think about what they were going to charge me. I just want to see if I can either lower the payments or resolve this problem to not have to continue to pay for a used vehicle that's not worth {$45000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax in XX/XX/XXXX to inquire as to why XXXX XXXX XXXX XXXX was reporting my account as late, when I have documentation from XXXX XXXX XXXX XXXX that my car was paid off in XX/XX/XXXX. Now, report from XXXX  shows account as " charged off '' as of XX/XX/XXXX. How can you " charge off '' an account 120 days after you sent correspondence to your customer that the account was paid in full. Account show paid in full with XXXX  balance on XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX on XX/XX/09, which stated I had a Hard Inquiry on my Credit Report. It stated it was created on XX/XX/09. This was a Hard Inquiry from XXXX XXXX. I haven't done business nor do I have an account with XXXX XXXX. I called XXXX XXXX and talked with their Fraud department. I inquired and they stated they had no information on an application, or an account... 

They stated to call the credit bureaus. I did so, and the Credit Bureaus told me to submit this to you all and upload this to their website.. 

Can you all please help? I believe this is Identity Theft and I am taking actions to get some protection although I would like the Hard Inquiry removed from my Credit Report if possible. 

Thanks! 

Regards, XXXX XXXX