23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently checked my credit score and found some damaging items listed on my report. The following accounts are not mine and I did not authorize these to be on my report. Please investigate and removed them immediately : Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ERC, XXXX, XX/XX/XXXX, {$84.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2400.00} Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was reported a total loss by the insurance company. Monthly payments were made on time. The insurance company paid off estimated value, we paid the difference as we didn't have GAP insurance. 
Credit Agencies are showing that there was a 30 day late payment, which has dropped my FICO score 15-17 points. No payments were late.
Product: Debt collection

This account was paid off over a year ago and was supposed to be deleted off my credit report its showing negative. I do not give permission for it to be reporting. Please delete it ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXk In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX did not have any assistance programs in place so I continued to make the monthly payment. In XX/XX/XXXX I again contacted XXXX XXXX Customer Service at which time they offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX and XX/XX/XXXX when these same charges were being improperly assessed. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX   in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Equinox to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX {$68.00} not mine XXXX {$16000.00} not mine XXXX   XXXX XXXX XXXX {$1200.00} not mine
Product: Vehicle loan or lease

On XX/XX/2024, I sent {$7300.00} to Truist Loan Department to pay off my vehicle loan with them. I have the paid-off amount and verification that they received this fund transfer, which they accepted, and they closed my account. Since XX/XX/2024, I have called their loan department, their loan back office, and their upper-level managers many times to request the release of my paid-off account and my vehicle. 
Their response is that they are doing title releases with a third-party vendor, and they have no control over them. 45 days have passed since XX/XX/XXXX, and they have not sent the lien release yet. This has injured my relationship with the dealer who was going to buy my paid vehicle, and now they want to return this vehicle to me and charge me for it. 
This is clearly unfair, deceptive and unfair act and practice on their end.
Product: Vehicle loan or lease

I have two vehicles with the same bank ( Ally ). I requested that the new vehicle be added to the online account I currently have with Ally to make payments online. Every time I call they tell me they will put up the request for me. I have called about 3 or 4 times and the account has not been added to my current online account. I made a payment over the phone on the XXXX of XXXX and now they are telling me they have not received the payment. I asked to speak to the manager and the representative XXXX XXXX XXXX at the lease dept was very rude and did not allow me to exercise my right to speak with the manager.
Product: Mortgage

On XXXX XXXX, XXXX Wells Fargo Bank , N.A . foreclosed on a home based on a XXXX reverse mortgage, and the borrower being deceased as of XXXX. However, the home was placed in a living trust as of XXXX, and the mortgagee did not have authority to remove the home from the trust. On XXXX XXXX, XXXX the beneficiary of the trust contacted Wells Fargo to inform them that the home was placed in an irrevocable trust in XXXX, and Wells Fargo responded that the loan did not originate under a Trust Agreement. Well Fargo is intentionally disregarding the creation and continued existence of the XXXX trust agreement, as they know the trust invalidates their reverse mortgage and the debt. Regardless of whether the loan was originated under the trust agreement, the trust agreement preceded the reverse mortgage 's origination. It came into existence in XXXX as an irrevocable trust, continues to exist and can not be dissolved. Wells Fargo admits that the trust prevents the loan from meeting FHA Investor guidelines and XXXX XXXX XXXX XXXX. Yet, Wells Fargo continues to attempt to collect an invalid debt.
Product: Vehicle loan or lease

I feel like my car loan has a super high interest fees and would like for someone to check this out on my behalf please. ive been a member from 2018 till now.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have XXXX XXXX on a payment plan for {$260.00} through XXXX XXXX XXXX with their payment plan. I had to pause the payments until I get well due to sickness. XXXX XXXX keep flagging my credit report that keeps dropping and damaging my Credit Report and Credit score I have proof
Product: Credit reporting or other personal consumer reports

XXXX XXXX U.S. Department of Education for Violations of FCRA and FDCPA Issue Type : Credit reporting and debt collection violations Company Name : U.S. Department of Education Complaint Details : I am filing this complaint due to inaccurate credit reporting and unfair collection practices by the U.S. Department of Education regarding my federal student loans ( Account Numbers : XXXX and XXXX ). 

These loans are incorrectly reported as defaulted/charged-off, even though I am eligible for the Department of Educations XXXX XXXX XXXX XXXX which should restore my loans to good standing and remove negative reporting. Despite my eligibility and requests for correction, the Department of Education has failed to take appropriate action.

Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct inaccurate information after being notified of the dispute. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692e : Misrepresentation of my loan status and failure to inform me of my XXXXXXXX XXXX XXXX 
15 U.S.C. 1692f : Unfair collection practicescontinuing to report my loan as defaulted despite my XXXXXXXX XXXX XXXX 
How This Issue Has Affected Me : The inaccurate reporting has negatively impacted my credit score, making it difficult for me to secure financial opportunities.

The misrepresentation of my loan status has caused me financial and emotional distress due to unfair collection practices.

The Department of Education has failed to correct the issue despite my formal dispute.

What I Want the Company to Do : Immediately remove all negative remarks related to this default from my credit report.

Provide written confirmation that my loans are in good standing under the XXXX XXXX XXXX. 
Cease all collection activities related to this loan. 
Ensure compliance with the FCRA and FDCPA to prevent further harm to me and other borrowers. 
If this issue is not resolved promptly, I intend to escalate further, including seeking legal action for damages caused by the Department of Educations noncompliance. 

Supporting Documents : I have attached all relevant documentation, including correspondence with the Department of Education and proof of my XXXX XXXX XXXX. 

Desired Resolution : Correction of my credit reports, cessation of unfair collection practices, and confirmation of compliance with federal law.
Product: Credit reporting or other personal consumer reports

Experian closed another complaint with another ridiculous explanation that pertains to ABSOLUTELY NOTHING and continues to stall
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. 

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 Account Number : XXXX and 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: Checking or savings account

I tried to open a checking account online with CitiBank around XX/XX/2019. I tried several times but kept stopping to check the information on the account. In XX/XX/XXXX, I received a letter dated XX/XX/2019, stating that I was denied the account due, in part, to information in XXXX and XXXX. I knew that there was no negative information on either credit reporting agency. However, I ordered my free copy of the reports to make sure there was nothing fraudulent on them. Once I received them, and called to ask why the account was really denied, the representative could not answer the question, but suggested I re-apply. I did re-apply with a banker over the phone and the account has been opened. 
I do not think it is fair to provide an inaccurate reason for the account denial. I still don't know why it was denied the first time, but can only assume there was concern of fraud because I kept stopping the application process. If that was the reason, then the letter should have stated that and the account could have been opened almost two months earlier. 

Also, I had a hard time getting through to someone on the phone number that was provided on the letter. Obviously, I received the letter in response to an application. But when I called the number, the automated system wanted me to provide an account number. It took me several tries to finally speak to someone.
Product: Debt collection

I being original creditor, consumer and natural person recently sent a debt validation letter to OneMain Financial Group, LLC pursuant to 15 USC 1692g requesting validation not verification, those are two different things. I also requested OneMain Financial Group, LLC to provide copies of their 1096 tax form, their 1099-OID, their INC, and their PRC in reference to the account. I being the federally protected consumer, natural person and original creditor, sent along with the debt validation letter, a cease and desist letter and a consumer enforcement settlement containing my statement of damages ( violations in accordance with civil liability ) for the debt collectors transgressions against me as a consumer under 15 USC 1692 and Identity Theft. Please review attachments.
Product: Debt collection

I went to the hospital before I joined the XXXX, I could not afford to pay the bill. I enlisted in the XXXX and was contacted by XXXX XXXX XXXX for the hospital bill, I paid this collection company the entire amount {$1000.00}. I discovered that another collection company First Source Advantage is collecting the same debt. I have contacted them and they said it is a different bill for a different collection. I disputed with XXXX and they said I did not pay this debt. 
I did some research and found that the hospital I went to XXXX XXXX XXXX was purchased the same month my debt went into collection by the TN XXXX XXXX XXXX which was XXXX 2013. I paid the collection from the TN regional health system but the collection from XXXX XXXX XXXX which is First Source Advantage will not accept this explanation and says they are XXXX different hospitals. I look online today and they have the same address, phone and website for TN XXXX XXXX XXXX. 
Please help me get the collection removed from my report. Please let me know if you need any other information..
Product: Money transfer, virtual currency, or money service

I am filing Cashapp and Block Inc. They failed to protect my personal information according to the Cfpb act. This lead me to be vulnerable to scam and unforeseen issues in the near future.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written consent Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes with credit bureaus, the company, two complaints to XXXX, and this is the second complaint to your agency. I have provided documents to all the credit bureaus and every time this company either auto verifies or validates inaccurate information on my file as accurate. They have violated FCRA several times. The credit bureaus and this company are in collusion. They have validated on two or more occasions information as accurate. I then submit proof showing they deliberately continue to report inaccurate information on my file. They report the account as closed, they reported the balance incorrectly, the type of account, and payment history to all the bureaus. XXXX, XXXX, and Equifax continue to act blindly and do not enforce FCRA statutes. All the investigations from bureaus regardless of the documents provided go back to this scum bucket company that validates or takes my proof to then update the information to be accurate thus the collusion because the bureaus allow it happens and leave this fraudulent information on my file. This item has been disputed over 7 times since 2019. I have never even entered into a legal agreement with this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been told by the employee of this XXXX LLC that every time I dispute it is just a click of the mouse saying the record is accurate. On some occasions the dispute would be resolved in XXXX hours with the bureaus. Time and time I have followed the FCRA guidelines identified the inaccurate data but yet for over 3 years this item has remained on my file affecting my life negatively. My credit score has taken a toll which affects my financial situation at home because my rates on loans and other items using the credit score are affected. I have not been able to purchase a home or other transactions due to this company 's refusal to do the right thing along with the bureaus. FCRA just asks that a company reports accurate and truthful information to the bureaus. They have made this personal since they acquired this debt which is illegal. They are the scum of the earth and because I told them to XXXX XXXX, they continue to report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

Payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2023
Product: Payday loan, title loan, or personal loan

I have been an online customer for XXXX XXXX XXXX and purchased a pair of diamond earrings for my wife birthday/anniversary.

My purchase, I used m financing program using XXXX XXXX credit card which they partnered with Comenity bank.

I paid down payment and paid monthly installments on time. However their system is designed in a certain way to make sure customers fail or get scammed or mislead into failing one payment and charge ridiculous penalty.

They dont have auto schedule payments to deduct from account. You have to remember and manually pay every month.

Buts thats not the biggest scam.

The loan they provided designed to give you zero interest for 18 months. However m, their monthly installments thats ore loaded in their system is not designed to pay of the loan in 18 months. It is designed in a way where it pays only 1/3 in 18 months and then they charge interest penalty on 19th month that brings the loan back to the original value and back to zero. On top of that, they dont remind you or send any kind of proactive message or call that 18 months will be up soon and need to pay to avoid interest penalty.

That message is sent to their online portal between many messages and you have to go through ind emails to find that.

It is definitely designed to fail.

I called them and they refused and hung up on me. They stated its my fault to miss the 18th month payment in full and now have to pay added interest of 1/3 the product value.

I bought the product for around 8k and loan was paid after 18th months to around 5k and now on 19th month its back to 8k even though all installments was paid monthly by their system.

My fault was I did not Calculate their monthly installments they set up which is not 18th months pay off.

All system is passive method for customers to go online and have to see make sure timely monthly payment or penalty.

I have made all payment on time except the last month when I saw the sudden charge of XXXX dollars interest for a XXXX earrings.

Thats ridiculous.

I dont believe XXXX XXXX runs a system to fool customers or scam them into failing through passive system set up.

I would request you to help us settle the penalty charge and we are ready to payoff the principal as a whole immediately and close the dues for good. The interest charge is absolutely a scam.

If have contacted a Comenity bank and they refused stating its my fault to fall into their scam while blue Nile refised ti respond.

We are a dispirited customer now. Our info attached.

Best regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 
Experian, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

According to 605B, this account needs to be removed quickly. I'm upset because it's on my credit report, even though it's not mine. I strongly urge the company to remove it promptly.