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

My name is XXXX XXXX, I'm a full time employee with XXXX XXXX, a full time parent, former college student and Veteran of the United States XXXX. 
This statement is directed towards VW Credit and the issues that I had experienced after informing them of my hardships. 

XX/XX/XXXX I had called VW Credit to inform them of my hardship that I was facing and wanted to know my options and expressed that I was open to any type of assistance with my auto loan. The customer service agent wasn't unpleasant but seemed to lack compassion in regards to my current situation and suggested that I could voluntarily surrender the vehicle but it was going to cost me {$300.00}. I of course did not have this amount to spare at the time due to needing the vehicle to travel in search of / commuting to work, having a child full time, and to grocery shop. I then avoided their calls from that point on due to fear, anxiety, and XXXX. 

In XX/XX/XXXX, I omitted myself into the VA Hospital in XXXX, GA for XXXX and suicidal thoughts. This was partly stemming from debt collectors, including VW credit not attempting to assist me during my current hardship that I was facing. 



XX/XX/XXXX Wrote VW Credit a note and submitted it, explaining that I have found employment as a government contractor and wanted to be placed on a payment plan that would be reasonable so that I could catch up. I had stated in the same note that I did not want to communicate over the phone due to the discomfort of the situation so I suggested email. 

I never received a response to my note but a phone call that very day or next from VW credit. I refused to answer, knowing that my note was received and reviewed. 




XX/XX/XXXX Decided to call VW Credit because it had been a month since I wrote them and the anxiety was torturous. I spoke with a collections clerk by the name of XXXX XXXX XXXX and he basically made it seem strictly business and that despite my prior hardships, their was nothing they could do for me in regards to debt forgiveness and that I will need to pay the balances owed. I promised to pay {$500.00} on XX/XX/XXXX and will do so but I was never given 60 days to prevent late payment reporting to the credit bureau, after stating my hardship back in XXXX. Due to this creditor not offering assistance, my credit has suffered dramatically since XXXX of XXXX and even today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Protection Bureau Report on XX/XX/XXXX : On XX/XX/XXXX, I received an unauthorized transaction that showed in my XXXX XXXX  online transactions uncertain today if I made the request or not, so please check on the validity of the company to ensure policies are followed by the company, and there are no fraudulent transactions that occurred at the time. I am a victim of severe violations which some falls under the area of crimes against humanity. In addition, possible violations of identity theft, impersonation of character, label and slander acts of crime, plagiarism, misused of social security, and creation of fraudulent transactions might be in existence in my case. In case of any involvement to my ongoing case currently, please check the accuracy, background, and validity of this company. The debit authorization was processed in my bank account on XX/XX/XXXX with a time indicated of XXXX XXXX bank card ending # XXXX. Other information listed includes XXXX which I believe relates to the company name/info. Although it could be a request I made previously which I do not recall at this time, please check the accuracy of the information and the report paid in the transaction in details to ensure there is no fraudulent activities in existence, thank you. 

Sincerely, XXXX XXXX, XXXX XXXX Resident XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the unresolved dispute I submitted to Experian on XX/XX/2023, XX/XX/2023 and then again on XX/XX/2023. I provided a detailed dispute letter, requesting the removal of inaccurate addresses from my credit report. 

Despite the XXXX window specified by the Fair Credit Reporting Act ( FCRA ) for investigating and addressing disputes, I have not received any communication or resolution from Experian for any of the requests, merely a dispute results can not be viewed online through the website and the inaccurate addresses remain on my report. 

My dispute letter submitted THREE TIMES previously included essential information, such as my name, current address, the disputed addresses, and an explanation of the inaccuracies I identified.

The FCRA, which governs credit reporting agencies like Experian, stipulates in Section 611 ( a ) ( 1 ) ( A ) that upon receiving a dispute, the credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. Additionally, Section 611 ( a ) ( 8 ) of the FCRA mandates that consumers are entitled to a response within 30 days after the agency receives the dispute. 

I kindly request that you promptly investigate the inaccuracies and address this matter as required by law.

I also request that Experian remove the disputed addresses from my credit report. Failure to do so would not only be a violation of the FCRA but also severely impact my financial standing. 

Inaccurate Address : XXXX XXXX XXXX XXXXXXXX, NJ XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have relied on the accuracy of my credit report for various financial and personal transactions, and this error has caused undue distress and concern. I trust that Experian will take immediate and necessary steps to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX,
Product: Debt collection

XX/XX/XXXX : I wrote a letter requesting validation for the debt in the amount of {$3500.00} NCB claims I owe them along with What the money they say I owe is for ; An explanation for how they've calculated what they say I owe ; Provide me with copies of any papers that show I agreed to pay what they say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on the alleged account ; Provide proof that they are licensed to collect in my state ; and Provide me with their license numbers and Registered Agent. 

I, also, requested that they cease contacting me by phone, and only correspond with me via mail. They have not honored this request as they call everyday. 

They responded with a letter dated XX/XX/XXXX, stating that they were unable to substantiate the allegations in my dispute. They continued to report the unvalidated account on my credit report. 

On XX/XX/XXXX I sent another letter to them requesting validation again. I reminded them that they had failed to provide me with a copy of any viable evidence bearing my signature or showing the account is being reported accurately. 

I received no response. 

On XXXX XXXX I re-sent a similar letter giving them a chance to provide documentation with my signature on it that proves I owe them the debt they're claiming I owe to them. 

They responded with a letter dated XX/XX/XXXX stating that they were unable to substantiate the allegations in my dispute. They continue to report the unvalidated account on my credit report. 

I have, also, written letters to the 3 credit bureaus to no avail. The only change that NCB made to my credit report when I reported to the bureaus, was adding a year to the " on record until '' date, which can only mean it's inaccurate now or was inaccurate before. I've asked them remove the account from my credit report if they are unable to validate or are reporting inaccurately, and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA 15 USC 1681 section 602, my rights to privacy have been violated by Navy Federal, XXXXXXXX XXXX, by putting late payments on my credit report due to improper use of my credit report.under 15 USC 166B section 2. I have written to all credit bureaus to show I did not consent to several companies pulling credit checks which is fraud such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX which were all done on XXXX XXXX. I had a deal with XXXXXXXX XXXX  with no money down already approved
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : #, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Student loan

I have been homeless for the past year and a half and lost my job due to company downsizing in the process. I contacted Sallie Mae in XXXX and informed them of this. I asked if it was possible to either get my monthly payment lowered, interest rate lowered or have payment go to principal balance in order to not default until my situation is better. They refused claiming there is nothing they will do. Since then they have been harassing me with phone calls and even called a friend that is listed as an emergency contact to inform them of my loan. They also quickly reported to the credit bureaus on XX/XX/XXXX causing my XXXX score to fall XXXX points which in turn caused me to lose getting a room for rent when my credit was checked on XX/XX/XXXX.
Product: Prepaid card

There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/2024 Amount : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendmark financials s XX/XX/2018 unknown inquiring on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent information being misused and being reported to my credit score with Experian, XXXX XXXX and XXXX. I received notification that items were deleted. When i checked my credit report things on my report were changed and on positive accounts and old negative account were added back to my credit report. it seems as if the credit bureau is deliberately lowering my score. every time I send in a dispute letter, I provide identification and proof of address. They are always respond saying they need verification when I send in disputes. I am a XXXX XXXX XXXX XXXX  and my address if confirmed by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 100 inquiries on my credit report that I did not authorize. Those inquiries along with the fraud alert on my file is making it very hard to obtain a home for me and my children. I have reach out through mail and over the phone to have the inquiries removed and nothing has been done.
Product: Debt collection

On XX/XX/XXXX we were wrongfully evicted from the complex. XXXX XXXX charged over {$800.00} after keeping deposit stating there were XXXX trash bags, a speaker and a metal bed bar left in the apartment after moving out. Which is untrue. No documentation of this was provided nor how this figure for said items came about. She stated it would be removed. However account was not opened until XX/XX/XXXX.
Product: Checking or savings account

This is my final notice that I will do police report - as it is coming in to Civil issues, legal issues after talking and meeting with IRS which you said you sent check to.. 
The IRS couldn't find any soures of incoming fund of {$7000.00} after providing all the Docs you sent to me. With the advices from IRS and Some Legal Services, we will end in the court Decisions. 
Thanks XXXX XXXX
Product: Credit card or prepaid card

I have XXXX that accept tips on credit cards. For over 20 years when we get a request from issuing bank due to a larger than 20 % tip we would send in receipt of purchase and customers signed receipt. It would prove that yes customer wanted to tip over 20 % and would result in no charge back. The last few months CapitolOne is asking for this same information but not accepting our proof. They are saying we only got authorization for 20 % ( which they are aware that is all we are able to get ) and not only taking the tip back but charging up to a {$25.00} fee for everyone time There is no way for us to get a authorization for over 20 % and they know this. We have a lot of people that tip over 20 %. This is an unfair practice because there is no way for me to get the authorization. So they get that tip money back even know i am proving customer wanted my employee to get it and charging a fee I have numerous emails i can provide with my credit card processor and they just say they are just are frustrated as me with Capital One. Any help would greatly be appreciated
Product: Credit reporting or other personal consumer reports

This ENTITY is in violation of The Gramm-Leach-Bliley Act of 1999. Also, The Fair Debt Collection Act by The Federal Trade Commision.

Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 XXXXXXXX XXXX Adding delinquent accounts to my credit report. XXXX XXXX XXXXXXXX Profiling Keeping accounts in Negative Status. Violations of CONSUMER RIGHTS. VIOLATIONS OF CONSUMER LAW 'S. FRAUDULENT BUSINESS PRACTICES!!!! 15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section 241 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 




I AM The Executor of The Estate of XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account # XXXX reporting 30 days back when the payment was authorized to be taken out. Automatically. The bill was paid in full. It is already closed and I ask you to delete the account from my report
Product: Debt collection

Navy Federal Credit Union XXXXXXXX XXXX, {$20000.00} Items reporting inaccurate as a result of identity fraud Ive sent in all requested documents to support my claim and to have all inaccurate items blocked and removed immediately.
Product: Mortgage

i talked to XXXX OUR POINT OF CONTACT ON MONDAY AND SHE TOOK A PAYMENT FOR XXXX THAT WILL BE TAKEN OUT OF OUR CHECKING ON XX/XX/XXXX! SLS LIED ABOUT THAT THETRIED TO CONTACT US THEY NEVER DID I CANTACTED THEM THE WEEK AFTER XX/XX/XXXX WHEN THE MODIFICATION WAS DUE AND THATS WHEN I WAS TOLD THAT IS WAS DENIED DUE TO THE NOTARY! WE CAN GO BACK AND FORTH WITH THIS BUT IM NOT GETTING MYSELF UPSET WITH SLS! I HAVE EVERY RECORED MESSAGE AND I WAS DOING WHAT I WAS TOLD! MY HUSBAND AND I WANT THE MODIFICATION TO BE REDONE AND PUT XXXX [ PAYMENT THAT IS GOING IN ON XX/XX/XXXX TOWARDS XX/XX/XXXX AND WE OUR ASKING FOR THE MODIFICATION TO BE BACK DATED TO START AS OF XX/XX/XXXX THATS ONLY FAIR GUE TO EVERYTHING WE WERE PUT THROUGH OR I WILL LET A JUDGE OR A LAWYER LISTEN TO ALL THE MESSAGES FROM SLS!!! ALSO IM ASKING WITH WHOM DO WE ASK FOR OUR LOAN TO BE AUDIT? THERES BEEN MONEY TAKEN BACK AFTER THE HAMP PROGRAM OVER {$20.00} GRAND AND ADDED IT BACK INTO OUR BALANCE THATS FRAUD!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Score Impact Due to Misreporting by XXXX XXXX Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint regarding the negative impact on my credit score caused by XXXX XXXX XXXX incorrect reporting to the credit bureau. Specifically, Chrysler Capital reported my account as " closed '' instead of marking it as " paid off. '' This reporting error has resulted in a decrease of XXXX points to my credit score.

The account was closed because it was fully paid off, as per the terms of my agreement with Chrysler Capital. Logically, a paid-off account should improve my credit score or at least have no negative impact, rather than causing harm. This incorrect reporting not only misrepresents my financial responsibility but also unjustly affects my creditworthiness. 
I have attached supporting documentation, including evidence from the credit bureau reflecting the score drop, as well as correspondence from Chrysler Capital confirming that all payments were made on time and that I am entitled to the car title. 
I respectfully request that Chrysler Capital correct this error immediately by updating my account status with the credit bureaus to " paid in full '' and removing any negative impact from my credit report. Additionally, I ask for a review of this situation to ensure such reporting errors do not occur in the future, as they can have a significant effect on consumers ' financial health. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I have several accounts that were to be billed to XXXX as a result of an attempt on my life in 2007 and I have funds to pay for related medical, appts, diagnostic etc. 
I have NO DOCUMENTATION FROM ER IN XXXX AND SEE THIS AS WELL! LIVED XXXX MON AWAY FROM THE.AREA 5 YRS THIS WK! 
I HAVE INCLUDED THE MEDICAL INFO AND BOLLINH YHAT OS THEVSE COORDINATION OF BENEFITS. YET STILL NOT A SYSYEMENT WASVSENT TO ME. HAVING HAD CRAMIAL XXXX, XXXX XXXX ALL COVERED IN PAST AND NOT RECEIVING ANY BILLS ... NO EXPLANATIONS? ... 
PLEASE HELP THE XXXX ACCOUNTS THAT I HAVE NO DOCUMENTS SUPPORTING ANY OF THIS. 

ALONG SAME EXACT ERRONEOUS .OR LACK OF INS BILLING ACUMEN ... COMMUNICATION BY LAW YET THEY HAVE REPORTS ONDTEAD OF BILLING INS ETC. 
XXXX XXXX XXXX XXXX had been privided the billing information and I have XXXX secondary. 
Not only didI not receive ANY NOTICE of an issue regarding slow pay, balance in addition, XXXX amount would have been adjusted amd I also advised XXXX XXXX. XXXX receive a charitable write off for the local hospital and since my services all being covered under XXXX, I see the XXXX on my credit report that is to be XXXX No fee, no copay yearly and I have seen multiple amounts that that reflect I did not pay or pay timely. 
Additionaly, I have a XXXX XXXX and we have no.msil carriers in private community yet this information goes unheard. 
There is NO CROSS-REFERENCE and ALL MAIL PKGS are not just undeliverable, I was advised by multiple businesses that they never received it back from the XXXX MAIN Post Office resulting in no notice of payment. .slow payment. .which I still can not imagine how all these covered by XXXX XXXX XXXX and I see a XXXX who read the films and his office was to bill XXXX as well..then coordinate to XXXX. 

Please help me with multiple derogatory. ..and being on fixed income as result, I chose to build my credit ... and to see this service to streamline the assistance that several points of not being followed through is such a help through XXXX XXXX.