23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My line of work ( non-profit ) was affected by COVID-19 in XXXX of XXXX. Thus, on XX/XX/XXXX, I missed a payment of {$25.00} to XXXX XXXX. I also, missed paying the recurring amount plus interest from XXXX. 

On XX/XX/XXXX, I started a payment plan to pay off {$110.00} by XX/XX/XXXX to bring my account into current status. By XX/XX/XXXX, I paid off this amount and my account was back in current status. 

Because the late payments ( from XXXX, XXXX, XXXX, XXXX, and XXXX ) reconciled by the payment plan mentioned above, ending on XX/XX/XXXX, I started a request to XXXX two weeks ago asking them if they could remove the late payments from XXXX from my profile, as I've had other credit card companies do ( bigger than XXXX ) and it was done without hassle. On XX/XX/XXXX, they responded to my request saying that they would not remove the late payments that occurred during and because of COVID-XXXX. 

XXXX was a horrible year for a lot of us, outside of these four months of late payments, I had no late payments starting back from XXXX. And since XXXX, I've had no late payments. I would greatly appreciate if these late payments were removed with the grace that lots of companies and this country has given its constituents because they care. XXXX claims to care for its customers, but currently I'm not experiencing that.
Product: Payday loan, title loan, or personal loan

Date was Thursday XX/XX/2020. The amount was {$1000.00} worth of XXXX gift cards paid to loan officer by the name XXXX XXXX claiming to be from LendingTree. He demanded another {$350.00} of XXXX for US IRS Tax for Loan for Disqualify Credit. I called XXXX and they said the cards was already used and has a XXXX  balance. They said to go down to the police station and report it.
Product: Credit reporting or other personal consumer reports

Below is the mail notice sent to Portfolio Recovery Associates on XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with PORTFOLIO RECOVERY ASSOCIATES. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with PORTFOLIO RECOVERY ASSOCIATES for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 

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
Product: Debt collection

I have asked for validation of debt more then 30 days ago and If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor still have not received any response. I have also spoken via chat with a agent advising of a fraud account a few weeks ago and today I received a notice in the mail. This is all a violation of my rights. Therefore kindly please remove these accounts from my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, my wife and I purchased a new house. In order to get the mortgage, we had to settle our dispute with Pro Collect. We paid Pro Collect and submitted the letter showing payment in full to the lender. 

I also supplied that letter to all 3 credit bureaus, XXXX is the only one that hasnt removed it. All 3 Bureaus have removed it from my wifes credit and she supplied the same proof of payment My XXXX XXXX on XXXX is XXXX lower and no matter what I do, it never gets higher. 

I have written documentation I can provide showing payment in full of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested this information and still nor response. Notice of Deficiency After carefully reviewing the notice in the amount of XXXX as of XX/XX/XXXX. The amount received from disposition of the vehicle was XXXX ; and the remaining is XXXX per your documentation. After credits of XXXX per gap insurance, the remaining the company stating, Im responsible for is XXXX. 
As a consumer, Im exercising my rights under the 1977 Fair Credit Report Act. I hereby, requesting the accuracy of reporting. 
1. The bill of sale between Credit Acceptance and XXXX XXXX of XXXX. 
2. How the amount was calculated expenses incurred in retaking a vehicle on a closed account? 
3. The amount generated of the amount of credit to my account. Included any payments received since date in item 1 above other credit to which is entitled, including rebates on a 2011 XXXX or credit service charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? if so, please provide the number.
Product: Credit reporting

Experian Report pulled on XX/XX/XXXX and Transunion Report pulled on XX/XX/XXXX show XXXX bank re aging a credit card debt charged off in XXXX to reflect a past due amount on a XX/XX/XXXX credit report for XX/XX/XXXX.. This is illegal and violates the fair credit reporting act. They ca n't say a debt is due if they have charged it off. It must be listed as disputed on my credit report and they could not verify the debt in XX/XX/XXXX. Also, they must cease and desist from how they report this debt immediately.
Product: Debt collection

I took a Contract from XXXX with my account number XXXX on XX/XX/year> I requested the Alarm system to be transferred to another address as promised by the representative from XXXX at the time of purchase of the contract. A few months after the system was changed to my new address, I started receiving a phone call from a 3rd party called XXXX XXXX that I breached the contract and I needed to pay {$1200.00} otherwise they would ruin my good credit. to make a story short after a month of conversation me trying to explain that I have still XXXX in my other property. they insist that it does not work like they sold my contract to XXXX XXXX. Even though I don't Own anything to XXXX, I am responsible for paying XXXX XXXX. It's a misleading and bad practice. I was forced to pay a Collection agency to fix my good credit. Please help me. i have try to talk to them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX or XXXX XXXX I request yall to fix my credit score and regenerate it and recalculate it because it dropped to XXXX today for no reason and disappeared my SSN is XXXX.
Product: Money transfer, virtual currency, or money service

In the end of XXXX, my home button down in XXXX it was supposed to been rebuilt and wasnt the contract. I hired received XXXX checks in my name and XXXX XXXX  name and he signed the checks in cash to meet US Bank on XXXX in XXXX Washington When I tried to file after full after I contacted the police and they had an attorney and they all failed me. I also wrote the attorney general. He also only said well sounds like a faulty contactor. I try to file a complaint with US Bank for cashing checks to somebody not mention on the check and without verifying funds from me or my bank I got thrown out by the manager of the bank on XXXX in XXXX Washington, and was threatened with the police and told that this person ever had a bank account with us and that was that thats when I contacted you guys and then I lost track of my complain because I was a XXXX mother from XXXX with XXXX kids now became homeless and then lost my mind had to go to crazy house, and when I got better, I really filed for fraud and they told me my insurance company has a file the claim my insurance company filed for a complain and was told statue limitation was expired on the check and thats when I contacted you guys and Im trying again that Im better and I can hopefully get this resolved
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 5 unauthorized accounts and inquiry were added without my knowledge or consent, and they must be addressed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am requesting the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Cancelled an extended warranty on my Capital One auto loan. I have confirmed that the warranty company issued a refund to the dealership. The dealership has stated the funds were sent to Capital One. It has been over 60 days trying to resolve this issue in a timely manner. Capital One has failed to issue a credit to my auto loan for the cancellation of the extended warranty. Capital One has failed to respond to my complaint in a timely manner. Capital One has failed in posting the credit to my account in a timely manner. Capital One has failed in sending me updates concerning my complaint. I continue to pay daily interest on inaccurate principle balance because Capital One is delaying the posting of the large cancellation payment towards my auto loan. Capital One has failed to be prompt, reasonable, and accurate concerning the true balance of my auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit score dropped 30 points when i got a refinane on a car loan paidoff previos loan im never late on payments the credit sites need to restructue there credit reports im very upset reading on other forems people have up tp 60 points on there creit score when getting a new loan unfair can you do somthing about it for all the peole in cludig yourselves send all coment to all the credit sites
Product: Mortgage

My loan was transferred from XXXX to Nationstar/Mr. Cooper effective XX/XX/2018. At the time of the transfer, XXXX was processing three insurance claim checks totaling {$26000.00}. The checks were for water damage repairs sustained at my house on XX/XX/2018. I had provided XXXX with all documentation necessary to release the funds to me, but the checks were not processed in time prior to the transfer ( it was still within XXXX 's 3-5 business day processing window ). 

Since the transfer of my mortgage on XX/XX/XXXX ( nearly two months ago ), Nationstar has failed to release these funds to me. Both my contractor and I have called Nationstar over a dozen times in the last two months to determine why the funds have not been released and we keep receiving different answers. We have been told numerous times that they have all documentation necessary to release the funds, but only to be told more documentation is necessary. Most recently, I was told on Monday, XX/XX/XXXX they needed a signed contract from me and my contractor, although they already had the signed contract on file. Nationstar also confirmed at that time that no further documentation was necessary. Today, XX/XX/XXXX, Nationstar has now informed they need another XXXX provided by my contractor even though they acknowledge they already have a signed copy of the XXXX in their files. The endless requests for documentation ( which they already have ) have caused numerous delays in receiving these funds. Nationstar 's refusal or gross negligence in handling this claim is causing my contractor to be unable to pay his own bills and payroll and to threaten legal action against me for nonpayment. 

In conjunction with the handling of my insurance claim, Nationstar has mishandled both of my mortgage payments in the first two months they have held the loan. As of XX/XX/2018, my account is showing past due even though I have provided full payment for each month timely. They have explained to me the error was caused by applying the funds as additional principal instead of to interest and principal. Please note that I had set up and authorized these payments pursuant to Nationstar 's own autopayment procedures. 

( Based on the information stated on the CFPB 's website, I do not want to attach any of my documentation through this portal at this time. Nationstar has records of everything pertaining to my file as is. I will be happy to provide loan and claim numbers upon their request directly. )
Product: Debt collection

Unaware of this debt.It only shows on my XXXX.I have no idea where this is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I moved to a new residence and I was delinquent on my final bill from XXXX because they did not have my new address on file. I paid off the balance ( about {$100.00} ) immediately after learning about the situation from a debt collector ( Diversified Consultants LLC ) about two months ago.

Two people from XXXX AND two people from Diversified Consultants told me that this debt collection account would be removed from my credit report/history within a couple of weeks after payment but it is still listed as open/active.

The collection account is still listed on my credit report and I am seeking to have it removed because 4 people promised me it would be removed. 

Please let me know if there is anything I can do to help - thanks! 
XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg, obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX account number *** XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Department of Education account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 

15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681s2 ( E ) ( i ) ( I ) ( II ) States I have the right to ask that a financial institution remove a default from my consumer report if the financial institution offers a rehabilitation program which requires me to make consecutive payments in a renewed and willingness ability to pay. Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX  Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXX XXXX  XXXX XXXX Original creditor : XXXX XXXX - Account number XXXX INQURY : XXXX XXXX Inquiry Date XX/XX/year>2023 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b-
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX leased XXXX, XXXX Toyota XXXX  from Toyota motors for 36 months, the lease was extended for another 12 months in XXXX, then we found out from our insurance company that the cars needed a safety recall fixed and we would not be covered by them until the recall was corrected. We received no notice fromToyota about it. 

We contacted Toyota motors and they confirmed that a safety recalled was issued and no fix until XXXX, now we were tucked with the cars and still had to make payments. They informed the company that no compensation nor loaner cars would be given because its a company lease. 

We paid full amount for the car lease for 48 months with non use for 12 months. After the lease we returned the cars to the dealership in XXXX NY. 

We had to purchase the cars because the dealership said they wont buyout the cars because they cant sell them with the recall issues and they are not worth the amount Toyota is requesting so XXXX XXXX had to purchase he cars. 

Now Toyota is claiming XXXX owes more payments and fees on the cars, come to find out they were not reporting the car sale on XXXX XXXX XXXX XXXX XXXX credit, but was reporting on my personal credit with the 3 reporting agencies. 

I found out they put ownership of cars on my personal reports and added negative comments of late payments and passdue payments is owed. I am not owner of the lease nor cars.