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

The short version, Hyundai Motor XXXX received XXXX XXXX from an insurance claim, kept it for XXXX months as payment on my lease, finally paid the insurance claim and reported to the credit bureau that my payment was XXXX days late. 


* On XXXX my leased XXXX XXXX was in a hail storm. 
* On XXXX XXXX sent a check to Hyundai Motor Company Finance Co in the amount of {$4400.00} to cover the repairs. 
* I followed up with XXXX XXXX/KIA Finance America and was eventually told that check was applied to my account as payment on XXXX. I was also told the funds could not be sent back to XXXX, they would need to be sent back to me. 
* After no response or refund, I followed up again XXXX and was told the check was mailed but not cashed, so the CSR would put a request to stop payment and reissue the check. I was to expect the check in XXXX business days. 
* On XXXX I followed up and got a little more... pushy. I requested the serial number and amount of the check that was issued. My call was escalated. I spoke with someone who stated there was never a refund check issued, there was paperwork to complete before the check could have been issued, and that I need proof my car was fixed BEFORE they'd release the funds. 
* On XXXX I received my FIRST correspondence from someone on the finance team taking action to use these funds to fix hail damage that was over XXXX  months old. 
* The repair company took on my case and worked directly with KIA Finance to collect funds for payment. 

In the meanwhile, because this XXXX XXXX was applied as payment, I was receiving bills showing {$0.00} due ( attached ). I kind of thought I may never get the funds correctly applied and have to accept the XXXX XXXX would slowly pay off my lease while I used a credit card to get my car fixed. I literally could not get anyone to give me a straight answer. 

FINALLY, in XXXX, I received a call from XXXX XXXX from the finance company stating my payment was XXXX  days past due and needed to be paid immediately. THIS was my only " contact '' from KIA Finance to let me know the funds had finally been adjusted accordingly. After confirming the call was legit, I made the payment over the phone during that call. 

Once KIA financed fixed their internal accounting issue and contacted me for payment which was provided immediately- they reported to the credit bureau that my account was XXXX days late. 

I am attaching invoices proving I had {$0.00} due according to their accounting for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called, emailed and sent a letter to them asking them to correct this credit report. I have been repeatedly denied. 

I am simply requesting they acknowledge they were holding my funds for payment during these XXXX months and correct their report to the credit bureaus. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXXComenity Bank which states my account is in derogatory status when that is incorrect. 

I entered a payment agreement with XXXX XXXXComenity Bank when they sent my account to collections with XXXX XXXX XXXX XXXX XXXX ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. 

I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX XXXX It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement. 

The company 's response to my prior complaint is that they do not have an arrangement on file when I have recorded the specifics of our arrangement and made notes ( please see above explanation ) and I can also provide proof of payment via my bank transactions on those dates.
Product: Credit reporting

All credit bureaus have removed an open account People 's energy from my credit report without my permission which has resulted in a significant drop in my credit score and I believe it 's in retaliation to me contacting this office. I never mentioned people 's energy in any disputes with any of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have come under extreme scrutiny for the false representation of a XXXX  account # XXXX. Not only were my rights to privacy breached these consumer credit reporting agencies XXXX and Experian exploited my character and have furnished incorrect and inaccurate information on my consumer credit reports. Not only that, I will attach proof that the account under the creditor XXXX  has not been validated as stated in the response from the company themselves! I have been disputing this account since last year and it has come to my conclusion that these companies think they are just above the law in which I need to just take them to federal court and file a lawsuit. Please see the attached documentation pertaining up to this point before we are onto the next step in federal court.
Product: Debt collection

in 2019 I had a trip to the ER, via ambulance. The two who picked me up almost dropped me twice on the pavement, clearly inept and incompetent. No offense to the two young boys, but clearly untrained, no EMS degrees or any experience. They when accompanied by the local Fire Dept, never once disclosed that they were private contractors and not being someone who had been in an ambulance for decades was then meet with a XXXX dollar bill for a 7 mile ride. had I known and had ambulance company disclosed they were private contractors I would have taken an XXXX to the hospital since it was not urgent and not acute and I was not dying. 

in XXXX of 2019 I got a letter from XXXX XXXX XXXX who owns and runs XXXX XXXX a XXXX company ( a XXXX  company operating ambulances in the XXXX  ) where it is a socialized system ) I got an email I am enclosing where he, in first paragraph says he is going to write off the XXXX bucks not paid by my insurance who were billed XXXX and they were paid this, that is confirmed by both them and the collector I just spoke with. 

THIS COMPLAINT is. Also against the EMS provider since they have violated collection laws also. 

Since I never got a single follow up response about him writing off the XXXX dollar owed balance, no letters, no bills, no any sort of communication I was left with the. Assumption as would any consumer that this debt was written off. NOW 30 months later I get a call from an XXXX call center, someone who barely speaks XXXX demanding that I pay them or I am in trouble. Strong innuendo of a threat, predatory and I explained that this status on was resolved XX/XX/2019 and he yet. Still demanded payment. so I ended the call. 

CREDENCE is yet another predatory company who operates on the ignorance of most consumers and innuendo threats and or that I am in serious trouble that I will be in harms way. clearly untrained and clearly lacking in needing charm school to learn to speak XXXX well enough to communicate as well as learn the laws, which do not exist in XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account needing accurate reporting. I have two late payments on an account that I was paid on time. The consumer report agency needs to report all information with complete accuracy. This account has not been late on payments, I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ), I am now requesting you investigate this account and update this payment to pay on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

XXXX XXXX XXXX Account Number - XXXXXXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

A collection agency, NTL Recovery Agency has reported to all three credit agencies that I owe {$54.00} to XXXX XXXX XXXX and my score has been impacted. I currently have been with XXXX for 17 years at my current home that I own and checked with them and do not have a outstanding balance with them. My attempts to contact this company have been frutail as they have prompts to pay the debt and no one will talk to me. I have never received any letters, phone calls or any communication from this company. I think this is a fraudulent attempt to get money from people and this is wrong. How can the place a collection on your account that does not belong to you and you have never been notified? I want this removed from my credit report and for them to compensate me for the stress and damage this has done as I am in the process of getting a new credit card with a lower interest rate and this has impacted me. The company is NTL Recovery AgencyXXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX, phone number XXXX. Please Help.. 

Thank You, XXXX XXXX, XXXX
Product: Debt collection

This is only one example, however just today, in 5 hours Ive received 3 calls from the same number from XXXX XXXX. Yes, I am late, and yes I understand their efforts, however I have never been over 30 days late, and am feeling these aggressive tactics are above normal expectations in collecting a debt of {$150.00}.
Product: Debt collection

QUESTIONABLE BALANCE OF {$4700.00} FROM XXXX XXXX XXXX? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Checking or savings account

On XX/XX/2023 my check posted in my account and I went to log in and I couldnt access the account I was told I had to call and when I did I was told my account was close! I didnt get an email or a letter in the mail or anything it was just close. I asked why was my account closed and was told it was close due to abuse of the account. So I signed up for fraud protection as well as over draft protection and every other day I had money taken from my account or a over daft. I had things I had to keep fighting with them about like the service fees when I wasnt suppose to get charged as well and when something came out and I requested a block on the company they would allow it to keep going through and made me open a new case each time even tho it was for the same company! So I was just told it was closed down due to this I only called about 6 different things in two years. My money is still with the bank I keep calling trying to get my money from my check and everyone keeps telling me they cant help me this is stealing! And I want answers and my money this has never happened to me and should never happen to anyone else please stay away from Citi bank you will be sorry if you dont
Product: Credit reporting or other personal consumer reports

I require mortgage to be reported as mortgage and not landlord debt. XXXX has provided this information to XXXX which is incorrect and discriminatory. 

Consumer Attorneys- Dispute to First Advantage Inbox XXXX XXXX XX/XX/2023, XXXX ( 10 days ago ) to me Hello XXXX XXXX I got a response from our attorney about the issue with your First Advantage report. Reporting the account as a debt to a landlord is misleading. 

You already disputed the report over the phone, but we would like to have written proof of dispute. So we advise you to file another dispute via email. 



You can use the template below Subject : Report Dispute Hello First Advantage, My name is XXXX XXXX, my date of birth is [ your XXXX ], and the last XXXX of my social are [ last XXXX digits of your SSN ]. Recently I was denied an apartment based on your screening report. The property management company is XXXX XXXX XXXX. Your report is showing my mortgage loan with XXXX XXXX  as a debt to a landlord which is not correct, reporting a mortgage as a {$510.00} debt to a landlord is misleading. Please remove this account from the LANDLORD DEBTS section of my report and provide an updated copy to the apartment complex and to me at XXXX. If you have any questions you can reach out to me at XXXX. 



Please fill in your date of birth and the last XXXX of your social and send this template in an email to First Advantage at XXXX Keep me posted on any responses or other correspondence you receive from First Advantage. 



If you have any questions, let me know
Product: Credit reporting

My Equifax credit report, shows up XXXX different address for myself, though only XXXX of them is correct and the other XXXX, to be cleared of error. Here is the Right adddress of mine ... 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , NC - XXXX. 

I would like to get this fixed at the earliest. 

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

In early XXXX, I made a {$1000.00} balance transfer from one credit card to another, resulting in a net {$0.00} change, but on all three credit bureau reports, my score dropped by XXXX points. I have never seen an increase or decrease by such a huge amount for any change in my credit use, and in this case, my credit use didn't change since I was decreasing the use of credit on one card by {$1000.00} and increasing my credit use on another card by {$1000.00}. The credit bureaus have no mechanism to dispute or even submit an inquiry about credit scores online or by phone, because " they are not a component of your credit reports but are, instead, numbers generated by the credit scoring models based on the information as it appears in your credit report at the moment it is requested. '' How is it possible that a net {$0.00} change in credit use can result in a XXXX point decrease from which there appears to be no way to recover those points? I have never seen fluctuations in my credit score that were bigger than 10 points one way or the other. 

Also, if there is transparency about credit scoring that would help me understand my situation, where is it disclosed and why is it so difficult to find it? When you call the credit reporting agencies, there is no way to talk to someone. You're simply referred to the website, where there is no way to submit an inquiry or dispute regarding scoring issues.
Product: Credit reporting or other personal consumer reports

I'm writing to impart my nervousness concerning the challenged records on my credit report. On different events, I have raised the issue of errors in these records, and have dependably referenced that they be totally analyzed. Despite my undertakings, I actually just can't get any objective or healing action. These wrong records are genuinely hurting my credit report and hindering my ability to continue with a run of the mill life. The unfriendly outcomes of these blunders have caused gigantic troubles for me, and I'm left with no choice aside from to contend for your assistance with changing what is happening at the earliest open door. I kindheartedly request that you lead a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the major advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the accuracy and uprightness of my credit record so I could recuperate control over my financial success. I truly request that you offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be gigantically significant. Much gratitude to you early on for your cognizance and help.
Product: Vehicle loan or lease

I purchased a Ford XXXX from XXXX XXXX XXXX XXXX in XX/XX/XXXX through Ford Motor XXXX XXXX Part of that loan purchase was an additional bumper to bumper extendded warranty. 

Last summer ( XXXX ) I noticed the Ford step running boards were starting to have the bubble up and eventially paint peel off the aluminum. I read throug the extended warranty and found it did cover the running boards, so I first contacted the dealership on XX/XX/XXXX. 

After XXXX ( XXXX ) weeks, I received an email back stating Thank you for the inquiry. The XXXX corrosion warranty is limited to body panels, running boards are not included. Therefore, coverage can not be provided. Based on this information, replacement of the running boards to correct corrosion issues is non-warrantable. '' I proceeded to write the attached letter to Ford and included the email thread along with the photos the dealership required at that time. A few weeks went by and I received a letter from Ford agreeing with the dealership decision that it was corrosion. I argued that aluminum does not corrode, therefore this is a manufacture 's defect and I would like to be compensated for the cost of the running board and the labor to install it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

Upon reviewing my credit file, I discovered a concerning item that has raised significant concerns. My credit report shows a collection from your agency, and I want to express my deep distress as I was never notified about this matter. Additionally, I strongly believe that this debt is inaccurate. I am formally requesting that you provide me with the necessary validation for this debt.
Product: Debt collection

Fair Collection & Outsourcing , Inc. is reporting inaccurate information on my credit report for a debt I do not owe. This debt was resolved in court, where it was agreed upon that the balance was zero. Despite this, the company continues to report the debt as outstanding.

I sent a formal debt validation letter to Fair Collection & Outsourcing , Inc., requesting proof of the debt, but they failed to respond. Their lack of response violates the Fair Debt Collection Practices Act ( FDCPA ). Additionally, their continued reporting of incorrect information to the credit bureaus is in violation of the Fair Credit Reporting Act ( FCRA ).

This inaccurate reporting is causing harm to my creditworthiness despite having legal documentation confirming the debt is resolved with a zero balance. I am requesting the FTC 's assistance in addressing this fraudulent and misleading behavior.
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT INACCURATE.FRAUD. I DID NOT GIVE MY PERMISSION TO REPORT THIS ACCOUNT AND XXXX IS IN VIOLATION OF THE FAMILY AND EDUCATION PRIVACY ACT of 1974, Fair Credit Reporting Act, as I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT