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

I have had my car loan for over four years and I feel that my payments are not going toward my principle balance at all. I remember calling almost two years ago and my balance was XXXX XXXX and something dollars, well still to this day when I call my pay off balance is XXXX XXXX something dollars. I pay {$380.00} a month payments. It makes no sense. The car is barely worth {$4000.00}. I have been requesting a full payment history since XXXX of last year and they still will not send me anything. I do not get statements from them at all. If I don't make my payment they call me all day and night every day. I want a payment history to know where all of my money has gone and to figure out fair payments for the future to get this car paid off but they are absolutely impossible to work with. When I ask them how much interest I have left to pay they tell me I pay more interest every single day. It doesn't make any sense to me and when I googled and researched the company I found out they have had multiple huge lawsuits against them for bad loans and I'm now scared I might be a victim of them.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Debt collection

XXXX XXXX XXXX sued me for a medical bill that was unpaid. The attorney & XXXX, ( the collection agency ) was the conduit of information as I did attempt to contact XXXX in XXXX Maryland to get resolution. I had insurance at the time of my hospital stay but there was a misunderstanding of where or how the billing was submitted. The bill for about {$1300.00} was denied and that's what the lawsuit was for. In the meantime I missed all their attempts to contact me until they sent a process server who served me with court papers. I had insurance with XXXX and they attempted to process the bill once they had my correct insurance member ID. They currently have pending judgement on my credit even though this has since been dismissed. I sent a certified letter to have this removed from my credit report and it has not been removed yet. Letter was sent to XXXX - XXXX XXXX, XXXX. XXXX XXXX, XXXX DE XXXX.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX XXXX 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

Diversified Consultants Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : XXXX This letter is sent in response to a negative entry on my credit report posted by your company. 

I have not ever received notification from you regarding this debt as required by the Fair Credit Reporting Act ( FCRA ), Notice of Negative Information Provision Which is Part of the FACT Act 623 ( A ) ( 7 ). 
I was only notified of the debt and the account number with your company from a lender that requested my credit report. 

I am requesting that you provide validation of this debt and that you immediately remove this negative mark from my credit report as I was not notified as required. 

If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Colorado Attorney Generals office. 

Civil and criminal claims will be pursued. 

Sincerely,
Product: Checking or savings account

I had a high-yield savings account opened with Marcus by Goldman Sachs on XX/XX/XXXX, which was then closed on XX/XX/XXXX, afterI had already linked and deposited {$1000.00} from my original bank account. When I tried calling customer service, they refused to give me any explanation behind the account 's closure. After severalattempts to call them regarding getting the money back into my original bank account, I still never receivedmy funds. As I didn't urgently need my funds at the time, I hadn't followed up. Last month, however, I had a family emergency that requiredme to travel for XXXX weeks and prior to leaving, I contacted them on XX/XX/XXXX to see if the funds could be transferred back into my original bank account and was told to follow up with them at another time. On XX/XX/XXXX I contacted them again, and was told that they would mail a check to my address, and that it should be receivedwithin XXXX business days. As I was traveling at this time, I was not able to check if my funds were mailed to me until I arrived on XX/XX/XXXX and contacted them as I still hadn't receivedthe check. They stated that instead, they would reopen my account in XXXX business days after the review team has calculated the accumulated interest since theaccount 's closure, and to follow-up with them on XX/XX/XXXX. I contacted them yesterday ( XX/XX/XXXX ), which is when I should have receivedan update regarding the reopening of my account, and yet again, still there is no update regarding if or when I'll be able to receive my funds, as they refused to provide any estimated timeline as to when I may expect my account to be reopened. Several attempts to speak with both customer service and specialists have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or releas of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name Furthermore, there are unauthonzed inquines on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

please address this matter prompty and confirm the removal of the disputed entries
Product: Credit reporting or other personal consumer reports

Requesting method of verification who did you speak with, what are the methods used, where is your proof show me that your verification method was complete accurate and verifiable
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report even after your investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

Navy Federal Credit Union employer XXXX XXXX has threatened me by telling me to leave the branch. All I did was exercise my consumer rights when I went to dispute the issue in person on XX/XX/XXXX. I entered a local branch with supporting documents to show Navy Federal Credit Union is reporting inaccurate information on my consumer reports by using different Navy Federal Credit Union addresses and using different account numbers on my credit reports and has not provided a copy of alleged agreement. XXXX XXXX XXXX XXXX purchased this debt on XX/XX/XXXX and has also failed to provide a copy of agreement. Accordance to Bureau of Consumer Financial Protection page it states. " Under federal law, your credit card issuer is required to provide a copy of your agreement upon request ''. I have no valid contract from Navy Federal Credit Union. I have made multiple attempts requesting this contract since XX/XX/XXXX. As of now, I have not received any valid contract from Navy Federal Credit Union. They have failed to comply by continuing to report this information on my credit reports. XXXX XXXX reported me to XXXX XXXX XXXX  making false claims that I came into the branch practicing acts of bad conduct. I am XXXX XXXX and he is allegedly XXXX or XXXX. He used the acts of misleading the Police to reverse the fact his client and himself has been negligent about this matter.
Product: Debt collection

In my previous complaint with CFPB ( XXXX ), I  complained about the business practices of XXXX XXXX XXXX. I also filed a formal complaint with the XXXX XXXX XXXX  on XX/XX/XXXX. After I contacted XXXX  regarding my complaint, XXXX XXXX XXXX retaliated and sole my credit card account ( Visa # XXXX ) to third party which has now appeared on my credit report. In a letter I received from XXXX XXXX XXXX  dated XX/XX/XXXX, it mentions that my account for VisaXXXX was closed on XX/XX/XXXX which I was never informed via email or letter. I did receive an email on XX/XX/XXXX that the insurance for the Visa-XXXX would be cancel. Not once did this letter mentioned " closed ''. As I stated this retaliation against me from XXXX XXXX XXXX because of the complaint to the XXXX XXXX XXXX and my refusal to pay the excessive fees they attached to a couple of missed/late payments from over a year ago. Their tactics with the harassing, countless telephone calls on daily basis and now selling my account information to third party ( LVNV Funding LLC ) to collect I debt on the Visa-XXXX credit card in question that I had been paying on time for the past year is erroneous. I have worked hard to keep my credit report in good standing and now this company has taken despicable, desperate action to tarnished my credit score/report
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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

I paid a collection account with XXXX on XX/XX/XXXX. XXXX reported to all credit reporting agencies on XX/XX/XXXX that the account was paid in full. 
I opened a dispute with Equifax on XX/XX/XXXX of XXXX disputing the account balance. I disputed through their online dispute process and uploaded a copy of the letter from XXXX stating the balance was paid in full. Equifax closed the dispute as consumer disputes, but balance still owed. I contacted Equifax on XX/XX/XXXX to inquire about the decision. Even though XXXX reported to them and I submitted the paid in full letter to them through their own online dispute portal, they still are reporting the account incorrectly and told me I have to open a new dispute, send in a copy of the letter along with a copy of my driver 's license and wait another 30-45 days for the dispute to be investigated. This is affecting my credit score and preventing me from obtaining a mortgage for a new home.
Product: Debt collection

UnFair Debt Collection Practices : XX/XX/2020 @ XXXX PST in received an email stating : " XXXX <XXXX> XXXX XXXX  ( 16 minutes ago ) to Legal, bcc : me Hi, We would like to inform you that we have given you a reasonable opportunity to resolve this account but you have failed to resolve it. 

We know that our action will damage your credit rating and your ability to do business with other companies. To avoid this, we really urge you to email us to find the best collection process or make immediate payment. 

Thank You XXXX  XXXX XXXX XXXX <XXXX> XXXX XXXX ( 5 minutes ago ) to XXXX who in the XXXX are you i want your sheriffs dept. creditials making this a ginuine police officer talking to me otherwise your email, XXXX, is illegal debt collection practices and you will be reported to the FTC under the right department handling affair FCRA and/or CFPB for your attempts under false credentials. '' The E-mail address alone suggesting law enforcement involvement is against the FAIR DEBT COLLECTION PRACTICES ACT and needs to be addressed immediately due to this fact.
Product: Credit reporting

A court judgement was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and also it was reported that the judgment was against me whereas it was for me.
Product: Mortgage

My mortgage loan servicer ditech frequently isn't available during their stated business hours. It says clearly on their website that I can call weekdays between XXXX and XXXX ET, XXXX XXXX ET, and XXXX XXXX to XXXX ET. ( I'm on PST so I'm mindful of the time difference. ) I have to call to make payments because I'm behind on my mortgage and to pay online or over the automated phone system you have to pay the full past amount due. I can't do that so I have to speak with a representative to make a lesser payment. Now whenever I call, their office is either closed or the representative puts me on hold until the call drops and then when I call back they're suddenly mysteriously closed despite the fact that I am calling during their posted business hours. 

I'm mad because if they try to say that I've gone 3 months past due on my mortgage because I failed to make a payment that's on them because they were never there to take a payment and they don't allow me to pay any other way. And personally I find it extremely shady that they force you to pay a specific way and then fail to let you pay that way as if they're trying to force me into foreclosure on my home.
Product: Student loan

I have made consistent payments on time into my private student loan through Wells Fargo. I still have late fees issued to my account, even though the monthly payment was paid well ahead of time, and for more than my minimum monthly payment. This has been done multiple times in the past few months.
Product: Debt collection

I asked for compliance on the debt collection agencies behalf to proved me with a signature on the debt owed. None was provided. I still receive phone calls week about it. Just want confirmation on the debt, amount owed and my signature and or original paperwork involved with the debt purchase. They have nothing. 

Debt was supposedly purchased in XXXX of XX/XX/XXXX. I have received no documentation of original debt amount and or signature stating it was me.
Product: Credit card or prepaid card

First I traveled on foot to 3 different ATM locations listed on US Bank Reliacard 's website, but there was no ATM at one of the locations and the other 2 support various bank networks, but not US Bank 's. I created an online account and finally was able to transfer {$6000.00} to my actual chosen bank account XXXX XXXX XXXX XXXX I have since been unable to transfer ANY amount it keeps saying the " Debit amount exceeds the maximum transfer amount '' even though I did this the exact way before. I even lowered it to 1/3 the amount just {$2000.00} and it still says the same. When I call customer service and wait for the option to speak to someone I was on hold for an hour when it hung up on me. I called twice today and as soon as you choose the option to speak with someone by pressing XXXX, it hangs up. Yes I called back and the same thing happened. I thought XXXX XXXX XXXX XXXX was bad but US Bank has to be the worst!
Product: Credit card

Elan Financial Services have failed to pay me the incentives they promised me for credit card use. 

In early XXXX, Fidelity switched their credit card service provider from XXXX to Elan Financial Services. Elan Financial Services issued me with a new account and card. 

Shortly after the account switch, on XXXX XXXX, XXXX, I called Elan Financial Services specifically asking whether there was an incentives cap. I made this enquiry as the prior service provider to my Fidelity credit card account ( XXXX ) did have such a cap, and over the years in using that card I have systematically switched to using another credit card when I reached that cap. Thus, I made a specific call to understand whether I would need to continue to switch to another card under the Elan Financial Services incentives program ( I would have made such a switch in the card used for spending should Elan Financial Services have told me on XXXX XXXX, XXXX, that their program also had a cap ). 

However, on XXXX XXXX, XXXX, Elan Financial Services specifically informed me that such a cap definitely did not apply to my account. Please note that I have notes of that call, and I expect that they record phone calls for quality purposes. 

Following several subsequent phone enquiries in late XXXX, I received a letter from Elan Financial Services on XXXX XXXX, XXXX, informing me of a cap and refusing to pay for incentives stemming from approximately {$30000.00} of spending in the fall of XXXX. This spending equates to approximately {$600.00} in incentives owed to me. 

I have since written them again reminding them of these facts and demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. 
When I called XXXX XXXX  they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone  number. Also the letter didn't say why I was denied.
Product: Debt collection

On XXXX XXXX, 2018, I called Ideal Collection Service, XXXX regarding an account I noticed on my credit. I spoke with someone named XXXX, ( last name was not provided ) and when I advised her I was not aware of any lease in my name and that I planned to put the matter in dispute. She then advised me that the only way I could dispute the debt per federal law was to report the matter as fraud to my local authorities and then provide her company a copy of this police report in order to have the debt investigated and removed from my credit. When I asked her what federal law this was applicable under, she refused to provide me that information and told me I would have to find out myself. She then proceeded to be very rude and unhelpful in providing any additional information regarding the account. I then requested to speak with a manager, she told me she was the manager and refused to allow me to speak to anyone else at the company who may have been helpful.
Product: Credit reporting or other personal consumer reports

I've viewed a copy of my credit report. On the credit report I have found fraudulent accounts that do not belong to me. I do not recognize these accounts and did not authorize them. They are being reported by a third party that I do not recognize. It is hurting my ability to obtain credit. Please remove these fraudulent accounts from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I'm reaching out because Transunion is helping XXXX XXXX XXXX XXXX XXXX  put incorrect information on my credit report related to the account below : Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

Please delete this incorrect information from my report immediately.

Thank you,
Product: Credit reporting or other personal consumer reports

I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.
Product: Credit reporting or other personal consumer reports

I have disputed an address as well as as several accounts associated with that address. I have updated my address with those fraudulent accounts and they have not updated them with experian. I have also submitted Ftc reports, utility bills, police reports, and id verification and experian continues tk report these accounts as verified and accurate and fail ti remove the address. I have requested the documents they used to verify this information to establish these fraudulent addresses and they have not supplied any.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items 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 items 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX