23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$500.00} XXXX / XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$82.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$800.00} XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$82.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX
Product: Vehicle loan or lease

I have a car with XXXX XXXX company back in XXXX of 2018 my car broke down and lgm paid for it and I was to pay them back 3 payments of XXXX I paid off all of what I owed them and they are stating that I have never made a payment on it I have sent them all of my receipts and bank statements showing that I paid them and they are just ignoring them and refuse to fix their mistake.I have shown them all the proof that I have and they disabled my car and are very unprofessional and dont want to even listen to whatever I have to say.
Product: Debt collection

I was in a minor accident and XX/XX/2020, I barely did no damage to this vehicle! The driver exchanged information with me about a week later he shared come to my house to serve me with court paperwork, all I was going to court for was not having insurance and license, he had talking to the other driver at the scene, a few weeks later I get a call from Wilber Accosciates saying that I owe {$4000.00} and that I had to pay XXXX bucks that day, otherwise my license will be suspended and I had just got my license! So I paid XXXX XXXX the first day! I did not have this money at all! This was a rent payment for me and this was very hard on me and my children, and after that she started calling me almost every week say that I owe them this money, I think in reality Ive given them about XXXX if not more at this point I feel like its wrong! I went to court I had a whole case settled and there is no mention about paying this accident back or Wilber Accosciates or anything else!
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with TransUnion be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Trying to move XXXX account to another financial institution. Transfer Request was sent by fax on XX/XX/2018 to XXXX. Called XXXX Bank 10 days later to see if the check had been sent to the other institution. XXXX  Bank had no record of receiving any fax. Sent another fund transfer request to XXXX Bank on XX/XX/18. Contacted XXXX  Bank and talked to XXXX on XX/XX/18 to make sure that they had received the fax. XXXX told me that the only way to be sure they received the fax was to call the following day after the transfer request was entered into the system. I called on XX/XX/18 and talked to XXXX and was told that I would have to call back on Monday XX/XX/18 since it takes XXXX hours to have transfer requests entered into the system. Asked to talk to a supervisor, and after being on hold for XXXX minutes I was disconnected.
Product: Student loan

I have been contacting Mohela on numerious occasions regarding my missing months of eligible PSLF payment in order for my loan to be forgiving. I submitted all of the information that needed to have loan forgive. I contacted Mohela about 3 times and files a complained on XX/XX/XXXX, XX/XX/XXXX, I was told the Department of Education needs to review my account. I tried to tell them I have already established the 120 payments to have my account forgive and was told they do not have any ideas Why I have only 108 weeks instead of 120 weeks even though my documentation shows that I have more than 120 payments to fulfilled the requirement of having my loan forgive. The following weeks are missing from my account. In XXXX, XXXX, and XXXX. According, to my documentation from my employer. I have more than 120 weeks of payment to qualify for my forgiveness. This is is very stressful to deal with at this moment. I just lost my father on XX/XX/XXXX and having to still have to call Mohela and told the same thing again it's very frustrated. I would like to have my account to be review and apply all of the remaining weeks in order for my PSLF can be done and my loan can be process as being pay in full.
Product: Checking or savings account

It started XX/XX/XXXX I deposited my work check into Huntington I red the guidelines since it was past business days it said rounds would be available that coming Tuesday I was ok with that I had a few $ to hold me over come Tuesday night I received a email saying there a XXXX day hold on my deposit and when clear they let me know in which I started reaching out to bank Wednesday XXXX trying to understand I been with bank for XXXX yrs I pay day care I have to get back in fourth to work my son catch XXXX home no food so of course panic I called in XX/XX/XXXX first agent nice connected me to a XXXX that deals with deposit freeze her attitude was XXXX Im asking questions she acting like Im interrupting her day she provide no answer and was condescending at the end I said u dnt have to be a XXXX because im inquiring about my money like XXXX i XXXX my check it said nothing about a XXXX day hold unless fraud I been a customer no money was provided and im looking at my statement can see the deposit in green there subtract funds but money unavailable to me she says oh since you XXXX im closing down ur account I said ok fine wat about my money she hangs up I immediately call back XXXX agent nice so no problems I explain what happened they connected me to a supervisor I explain what happened including what I said she assured me my account was fine and explain the hold better i realize not nothing I can do I said ok i asked her bout my account closing she said everything was fine no to have no worries come Thursday I still receive no email saying my deposit cleared agent put me on hold for bout XXXX min comes back and say oh we gon na release the hold I say fine from XXXX my money finally available im using my card everything fine come XX/XX/XXXX I go to use my card around XXXX at work hungry card not working I go to XXXX machine not working so Im jus stuck I dnt get off til XXXX XXXX blowing up hunting I keep getting were unavailable after XXXX i go to hunting machine to withdraw it refused to give me $ so in the am XX/XX/XXXX also pay day ( which I should of received on Wednesday for 2 day early pay but didnt ) I go to branch to see whats going on Im informed they closing my account Im looking at my direct deposit in green but she said I can only take out XXXX cuz it wasnt cleared tho Im looking at the deposit in my account she said to come back in the am she be able to give me my money treating me like a criminal I asked for the number to report this they refused she said she could give me my money that Im looking at in my account but I say ok XX/XX/XXXX at XXXX I get a call from XXXX XXXX XXXX XXXX indicating they sent it back to my employer so here we are today XX/XX/XXXX my money nowhere to be found and Im supposed to just wait it hasnt been sent back to my employer its been XXXX business day plus the weekend where my money and how are the bank allow to play with people livelihood
Product: Credit reporting or other personal consumer reports

Ally Financial - XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.
Product: Credit reporting or other personal consumer reports

Im sending proof showing the fraudulent account with XXXX XXXX Collections for {$37000.00} and XXXX XXXX XXXX this is being reported by a third party was reported to the identity theft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from my bank about changes on my credit report when I checked my report I found someone has a loan in my name with XXXX and a balance of XXXX this account is fraudulent and does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian, XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681 According to the 15 U.S.C 1681 section 602 A. States I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Original loan amount {$18000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto XXXX XXXX Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$18000.00} Monthly payment {$0.00} Additional info : I paid it off and company agreed to removed upon payment, I simply need this action honored. 
XXXX XXXX XXXX 78 Months Company sold XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number By mail only XXXXXXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 49 % of this account is paid off Balance on XXXX XXXX, XXXX {$6600.00} Original loan amount {$12000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off Status date XX/XX/XXXX Past due amount {$6600.00} Original loan amount {$12000.00} Monthly payment - Additional info : Written off due to Car Transmission replacement wasn't covered by factory warrantee. XXXX considered it a loss and wrote it off. Plus its pass the statues of limitation period in Virginia. 

Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. 

XX/XX/XXXX Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Company sold - Original creditor - Comments No comments Statements No statements Contact info Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX XXXX XXXX CT GA XXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX CT GA XXXX Additional Information : If the XXXX XXXX  plan is dismissed, creditors may immediately initiate or continue with state court litigation pursuant to applicable state law to foreclose on the petitioner 's property or garnish their income. If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account immediately.
Product: Consumer Loan

My mother died in XXXX XXXX and at the time of her death was leasing a car from Honda Financial Services, with whom her account was in good standing ( i.e., she had made all lease payments on time and in full ). Upon her death, we voluntarily surrendered her car to Honda Financial Services in pristine condition, provided Honda with a copy of my mother 's death certificate, and proactively inquired as to what balance was owed on her lease. In response, Honda first sent a confusing letter in XXXX XXXX that insinuated ( a ) that they had repossessed the vehicle ( when in fact it was voluntarily returned ) and ( b ) that my deceased mother owed Honda a {$15000.00} " Gross Early Termination Amount '' ( in spite of a lease agreement that specifies that the Early Termination Liability is the lesser of the remaining payments due on the lease term - which in total amounted to only {$5700.00} - or the Standard Early Termination Liability ( good luck figuring out the legal jargon used to articulate the definition for this term ). Now, Honda has sent correspondence indicating that they have " charged off '' my mother 's account and threatening my deceased mother that if she does not pay her balance in full ( a balance that Honda has yet to communicate as of XXXX XXXX ), then Honda may pursue unspecified legal action. On one level, this is laughable, as Honda is attempting to communicate with a deceased person. On another level, it is infuriating and insulting as I have proactively contacted Honda no fewer than four times, attempting to determine what amount was owed on the lease and was prepared to pay the amount lawfully due under the terms of her lease. Most concerning, however, is the fact that Honda Financial Services ' written communications and stated terms and conditions are deceptive in nature and their business practices are despicable.
Product: Mortgage

In XX/XX/XXXX I asked Caliber Home Loans for a loan modification. They Approved the modification but never notified me of the approval. Once I learned of the approval I began paying the lesser amount. 
Now there is a delinquent mark on my credit report saying I was 60 days past due. This company is terrible. I never asked them to be my servicer. I never entered into any agreement with them and they are rude and disrespectful during all phone calls. 

The company does not communicate within their own divisions. The active agreement/loan modification should not be recorded as a credit delinquency. 

I recently learned that the Massachusetts Attorney General sued caliber home loans over predatory loan modifications. This is exactly what happened to me. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXXXXX  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected mXXXX XXXX In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I made 4 different attempts to validate this debt with RFGI, I requested the company send me A purchase agreement they have with the " original creditor '' that gives them the right to collect and report this debt to my credit report. 

Also a original contract proving my liability for such debt They did not provide me with any of this information
Product: Credit reporting or other personal consumer reports

I`m requesting under the Cares Act Law that was enacted by Congress that seven of my late payments on my credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed as they were reported 30 days late during the XXXX Coronavirus Pandemic. I would like all credit reporting agencies XXXX, XXXX, Equifax as well as my bank XXXX to remove these as it a poor reflection on my credit history. The CARES Act prevents lenders from reporting late payments to credit reporting companies during the COVID-19 crisis. I was unaware that lenders were supposed to do this and my accounts have been current for a five years. This negative reporting has affected me financially in my borrowing and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a hard inquiry by Charles Schwab Bank was made without my authorization. I called them sent the bureau a request to remove it from my credit report. They did not help.
Product: Debt collection

I had medical emergency XX/XX/2019 and was transported by XXXX  XXXX XXXX to the hospital. They billed my insurance company XXXX {$840.00}. XXXX negotiated a reduced amount of {$720.00} which they have paid. I spoke with XXXX and they have assured me that I do not owe anything to XXXX XXXX  and they are sending me a letter within the next two weeks stating that. I now have a letter from PennCredit that I owe {$140.00} and the creditor is City of XXXX, FL. for EMS services and they have also placed a record in my credit statement of unpaid debt. I reached out to PennCredit but they have the issue under review and have done nothing to remove the remarks from my credit report.
Product: Debt collection

I responded by disputing and it say it was me but I have no contract with these companies.