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

I reside in Texas.i signed a LESSEES AFFIDAVIT OF PRIMARY NON INCOME PRODUCING VEHICLE FORM # XXXX I believe is an exemption from my having to pay property tax on this vehicle..I was charged a miscellaneous fee of {$110.00} on my XXXX XXXX lease payment.i called and was told it is a PROPERTY TAX CHARGE ... and they pay the tax but I have to reimburse them. If I am basically renting the vehicle and they own the vehicle why do I have to reimburse the property tax ... also why is it presented as a misc. fee instead of a property tax ... what if I file an itemized tax return? Do I get to claim this charge or does XXXX not only charge me, but also claim the deduction ... ..how does this work. If Im paying a property tax I need documentation to show I paid a tax and not a fee.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXXACCOUNT Account Number : XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE OPENED AND LAST PAYMENT Account Name : XXXX  Account NumberXXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Account Name : XXXX Account NumberXXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures forincluding information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : driver 's id proof of address social security letter to the credit bureau images of each account with incsartitu
Product: Debt collection

They have continually called my number but they do so with robo calls and do not leave a message. When I am home to answer the call, there is no one on the line. I do not have any outstanding debts with any company. The most recent call was  XXXX / XXXX /  XXXX   at  XXXX .
Product: Credit card or prepaid card

IN XX/XX/2020 RESERVED A RESIDENCE THROUGH " XXXX '' FOR RENTAL XX/XX/2020 TO XX/XX/2020 FOR THREE NIGHTS.

REPORTED FIRES IN AREA, CLOSED ROADS, AND POWER OUTAGES " HOG FIRES '' THE TIME I WAS TO USE RENTAL TALK TO LOCAL MANAGEMENT CO "  XXXX XXXX '' WHO ASSURED ME THAT I WOULD RECEIVE A REFUND DUE TO THE FIRE DANGER.

FORWARD ALL INFO TO CREDIT CARD COMPANY " CITI '' " CITI '' IS FACILITATING THE FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still showing on my credit reports, this is a debt that 's over 7 years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XXXX XXXX, XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance,  Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to XXXX, Equifax and XXXX by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.
Product: Debt collection

On XX/XX/2019 I was contacted by Source Receivables Management at approximately XXXX XXXX regarding a XXXX collection. I informed them that this debt was paid in XX/XX/2019 through direct withdrawal. The woman was quite combative to the point, finally resolving to provide an email where I could send proof of the transaction. At approximately XXXX the same day they called again as an attempt to collect said debt, which is in violation of several laws and regulations set in place to protect consumers and is harassment.
Product: Vehicle loan or lease

Hello!, i wanted to see about coming to a resolution with my finance company Ally Financial in regard to my XXXX XXXX XXXX. I was reported late 30 days with them XX/XX/XXXX and XX/XX/XXXX to all 3 credit bureaus. While I will not deny that I was late those two times the reason for me being late was due to acquiring XXXX XXXX both times. My wife, myself both caught XXXX  which took us both out of work for an extended period of time. In fact, my wife still is experiencing XXXX complications until this very day. 
With us being out of work some bills did get behind. I called and asked for grace in regard to the situation and was refused any. In XXXX I made my payment online on a XXXX  and was told by a representative that it would be fine then next thing you know I was marked as being late. In XXXX I spoke to numerous people and conveyed the XXXX situation and still nothing was fixed. My loan as of today is paid off in FULL all that am looking for is can Ally Financial please take the late payments off of my credit report. They have their money and I would please like to have my credit report in good standing so i can be able to move on with my life. Prior to XXXX the only time I was late was when i had no job and that was in XXXX. I just would like my credit restored please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you will reinvestigate the incorrect accounts on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and XXXX
Product: Debt collection

Several weeks ago I sent a request to have an alledged debt validated that is appearing on my credit reoorts. I have made several attempts for proof of debt but I have recieved nothing in written. I do believe ProCollect Inc is inaccurately reporting on my credit report and they are stalling. Here is the last response I have recieved on XX/XX/2017 '' The debt is updated as a disputed debt. The proof of debt has been sent to the consumer to validate the debt. ProCollect is licensed to collect in the State of Texas. The consumer can contact our office at toll free XXXX my extension is XXXX ( XXXX XXXX ) to get this matter resolved Thank you for your time and patience in this matter. '' I have yet to recieve another in writing. This is not the 1st time I have asked for proof of debt. By law this company is breaking several laws according to the FCRA.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have appeared on my credit report today, and I have no idea why. I reviewed my credit report as usual, but this time I found unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but the inquiries didnt go away. I need the documents Ive submitted to be reviewed thoroughly so that I can avoid this kind of issue in the future.
Product: Debt collection

West and associates continues to call me and my fiance about a debt that is n't even mine. They can not prove the debt they claim is mine belongs to me. XXXX XXXX thearten me and called me XXXX. He said he would come to my place of employment.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$0.00} Bankruptcy Chapter XXXX Bankruptcy XX/XX/XXXX XX/XX/XXXX XXXX Bankruptcy Court XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX Federal INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which cintains data taken directly from my credit report which you have provided. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX TX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certfied verifiable proof is demonstrated per U.S. CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have fulfilled my request, mail me an uodated credit reporting reflecting these changes.
Product: Credit card or prepaid card

Barclay Card Shut my Credit card down Without prior notice At the time they shut my credit card down I had over XXXX travelers points They can be redeemed for over {$1600.00} towards travel. after my account was shut down My rewards balance went down to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Debt collection

I HAVE HAD ENOUGH!! I KEEP GETTING CALLS, NASTY CALLS FROM THIS XXXX COMPANY AND I KEEP TELLING THEM THAT THE ACCOUNT IN QUESTION IS NOT MINE. I HAVE ALREADY SENT THEM XXXX LETTERS STATING THAT THEY NEED TO STOP, BUT THEY HAVE NOT OBVIOUSLY.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I received an unsolicited piece of mail from Mahomes Capital ( https : //www.mahomescapital.com/ ) telling me " You have been pre-approved for a debt consolidation loan for up to {$32000.00} at 3.06 % interest rate. '' No where on this financial offer does it say that it is subject to further credit review. Upon calling the company, they told me to apply and see what comes back. I explained that it clearly states I am pre-approved for 3.06 %. He said it depends on your credit score and other factors. 

I told him no where on here does it say that it is subject to further credit review. Additionally, It shows my current debt obligations and average interest rate with my current total of minimum monthly payments. Next to that, it shows the terms of the new loan under the word " New '' that shows a consolidation loan for {$32000.00} with an interest rate of 3.06 % and a new minimum payment of {$120.00}. 

Additionally on the front of the envelope, it says in bullet point : - One low FIXED monthly payment - 3.06 % interest rate - FREE Consultation - NO upfront fees Again it does NOT say interest rates AS LOW AS 3.06 %. It clearly states the interest rate IS 3.06 %. Nothing in this solicitation would lead a reasonable person to believe they would receive an interest rate other than 3.06 %. 

No where does it say this is just a teaser and that the rate is subject to further credit review to determine the actual terms of the loan. This solicitation is highly deceptive and when I advised the gentleman I was speaking to that this was the case and that I don't believe it would pass the smell test of the CFPB, he said he's been doing this a long time and he knows what it says. He kept interrupting me and talking over me and would not let me read the exact verbiage to him. He said he would not continue the conversation and hung up on me. 

I work in the XXXX  XXXX  and this solicitation is purposefully deceptive and it is absolutely a bait and switch.
Product: Student loan

I have been reported inaccurately to the XXXX credit bureaus for having late payments on a student loan in which should have been in forbearance. I was never informed by Navient that my loans were out of forbearance and now they have been reporting my student loans as 120 days late? That is unacceptable as I am a XXXX veteran and am i the process of trying to fix this. It has single highhandedly ruined my credit. This should never be the case especially when I was never properly informed of the issue. I only found out what they were doing by pulling a credit report. This company has very questionable business practices and should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. I am constantly being violated. I am suffering from mental anguish, and my reputation is being ruin by this. I am constantly being denied things. I have made complaints. I have disputed transactions. I have sent certified mail to the CRA 's. The CRA 's are saying they haven't gotten anything in the mail, or complaints. Per XXXX XXXX XXXX at XXXX XXXX These companies do what they want to do. This is my life. I also did a complaint with the CFPB and FTC for identity theft. They are required to do what I am asking and block and delete these transactions from my consumer report in four days from the date of the receipt of the notice. 
15 USC1681 15 USC 1692B ( C ) 15 USC 1611 15 USC 1681 15 USC 1681C ( 2 ) 15 USC 1602 15 USC 6801 31 USC 3729-3733 Per the USC codes above I'm being violated. I demand that this stops immediately. 
Please see attached
Product: Debt collection

CREDENCE RESOURCE MANAGE at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$2900.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

XXXX XXXX XXXX sent a bill to collections in XXXX of XXXX. They did not process the billing through insurance. A dispute was sent to XXXX XXXX XXXX and the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX contacted me after the dispute letter on XX/XX/XXXX, to state that the insurance would not cover the medical equipment because I was not using the machine. I use the machine every night and they had not requested the information from the machine to provide to the insurance. I visited there office on XX/XX/XXXX, with the SD cards from the machines and had them download the information needed for insurance. I also had them print copies for myself. After this date, there was no further contact from XXXX XXXX XXXX. Now I have a new collection bill for the same original amount from a new collection agency, SIMM Associated, INC. They have failed to validate the debt owed and to provide my amount owed versus what insurance should have been billed.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the
report by more than seven years.

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

This is a letter putting kohls on notice if not striken from my consumer report i willbe submitting a claim to the proper courts of the jurisdiction necessary so indentured XXXX  XXXX XXXX be on notice Well my account is longer than 7 years I have also requested much information certificate of indebtedness history of payments since they charged off the account but still reporting I have a balance um 1099 c but this they have broken numerous violations and not in line with the fcra I ask that this account be wiped and removed from my consumer report it's a On there unlawfully
Product: Debt collection

The alleged debt account was not reported to all three credit bureaus is no longer on my credit report and its currently updated right now and i don't know where the alleged debt has come from. This is false and leading misrepresentation and accusing me of owing a debt that can not be validated. According to your information that you have gathered, the information is false and misleading towards me as a consumer and I am currently serving notice to this collection agency that is attempting to collect a debt from the original creditor which is I XXXX, XXXX and I do not validate this debt.
Product: Debt collection

018. National Credit Managemnt National Credit has not removed there collection from my report since the amount is {$0.00} payment. They refuse to do anything with this item on my report.
Product: Debt collection

Wells fargo, keeps changing " agents '' as soon as one agent finds out the truth, and starts settling with me, Wells Fargo management " changes the agent, " delaying '' the settlement '', year after year. Is there any regulation, that requires a bank to show a, signed and true copy of any " cure notice '', that the customer " received '' before any property was taken. WELLS FARGO has " failed to show any notice " ( now the new agent ) ( can't find any record ) ... ... ... ....