23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX has a charge off on my credit report for {$89.00} I have disputed this account many times and hasnt had a proper investigation. This is not my account and has hurt my ability to obtain credit for this inaccurate reporting. 
I believe this account is also reported wrong on all three bureaus Why on each bureau theyre are different high credit and credit limit? Also it shows different days that this account was opened. There is missing information on this account from each bureau and under the FCRA everything furnished should be 100 % accurate and completeness. This should be promptly removed as it is in violation of FCRA laws
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. TOYOTA MOTOR LEASING Opened XXXX. XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TOYOTA MOTOR LEASING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name XXXX, EQUIFAX, XXXX Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, EQUIFAX, XXXX credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXL XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Product: Mortgage

SPS 1st TD : XXXX XXXX TD : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A short sale was started XXXX/XXXX/17 with SPS. In calling for updates we reached XXXX. She stated that the investor will not allow a short sale and the only option for the homeowners to avoid foreclosure is a deed in lieu. We informed them that deed-in-lieus do not work when there is a 2nd TD on the property. XXXX insisted that the second will participate in a deed in lieu and has refused to tell us the name of the investor. 


SPS is lying to us. SPS is refusing to tell us the name of the investor. SPS is only a servicer and they are defrauding their investor and the borrower by insisting that a deed-in-lieu is even a possibility.
Product: Vehicle loan or lease

Complaint is for lender Credit acceptance on my 2007 XXXX XXXX being minpulated into a predatory loan & repossessed. The Co.was aware that I was not working & the amount that they're charging is excessive & that makes it impossible for me to obtain the vehicle back. Again I've been subject to predatory loan charges & fees. XXXX XXXX & penalties being charged. The amount owing is higher than normal. The interest rates at XXXX XXXX  & penalties. When purchased vehicle it was {$8900.00} then it went up to {$10000.00}. Then there was XXXX finance charged & by the end the amount charged {$18000.00}. I was taken advantage of. I was unaware of how contracts worked they knew I was in desperate need. I was low income with low credit.I just didn't get it that I was being involved in a predatory & didn't know how to get out of it. Everything differs again. before the vehicle was repossessed it was {$330.00} to get it out of repossession status after repossessed its {$1800.00} to get the vehicle back. and it was at least a month before they got the vehicle so that whole time I was speaking to them weekly & advised not working. they stated {$330.00} XXXX monthly payment to get it out of repossession. But now they're making it unfair for me to even get the property out of the vehicle because they moved the vehicle to a location outside of the area where I live and with no vehicle. I have no transportation to get my property. They're not willing to work with me to try to get the vehicle back. They knew that I was low income. They knew I had a low XXXX XXXX. They knew it was going to be difficult and they've made up nothing but an unfair practice towards me. I feel like I've been discriminated against. They made XXXX fair promises and like I said now they're making it impossible for me to get the vehicle back so that I can obtain employment and to be able to at least get my property out to vehicle and they're now they're threatening to sell it and charge me whatever the difference is and it is well beyond market value
Product: Debt collection

On XX/XX/XXXX, I received my first contact from XXXX XXXX who is an authorized representative for XXXX XXXX XXXX XXXX XXXX, informing me that my payment that amounts to {$40000.00} + additional pending payments ( XXXX XXXX XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents ) is now due as a result of an automobile accident which took place on XX/XX/XXXX. 

However as this is my first contact from Allied Recovery Solutions , inc . I replied by mail around XX/XX/XXXX informing them that I do not believe the debt is not my responsibility and I wish for them too verify the debt and my wishes for them to acknowledge that I dispute this debt. I also updated my contact information with this mailing since the information they have on file was wrong which included misspelled address and incorrect name I did not receive any mailings, phone calls, or emails until ... ... 
XX/XX/XXXX when I received a second notice that again was sent by XXXX XXXX informing me that they tried to reach me, I've been ignoring their correspondence and have chosen not to respond. XXXX XXXX gave me 10 days to respond and if they hear nothing from me they will take any and all action that there client feels necessary. 

I have since sent another mailing this time Certified Mail too XXXX XXXX informing her that they need to stop with all the malarky that I have not been communicative with them and I even pointed out that they updated my contact information when they received my first mailing, which I thanked them for doing so there would be absolutely no miscommunication while they verify this debt. I also informed them that I will be filing a complaint with the CFPB due to the abuse of the collection process. I have mentioned to them about the Fair Debt Collection Practices Act and even pointed too Section 808. Unfair Practices. Sub- Section ( b ) to help with my case against their collection ways. 

Due to their abuse of the FDCPA, I also informed them that since there previous actions where too ignore the verification process which i requested, I also introduced the FDCPA, 15 USC Section 1692c which i have requested them too stop ALL communication with me and since they abused this act in the near past i hope i had there full cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding an account that was added to my credit report ( all 3 bureaus ) on or about XX/XX/XXXX. Company name LVNV Funding. As a victim of identify theft, I followed the procedures by promptly filing a dispute with all three credit bureaus, as well as sending a debt validation letter directly to LVNV Funding requesting validation of the debt. I received no response. On or about XX/XX/XXXX, the collection was deleted from my credit reports. On today, XX/XX/XXXX, I received an alert from XXXX that my credit score had dropped 26 points. To my dismay, the collection account LVNV Funding had been re-added to my credit report. I thought that once removed, debt could not be re-added. I immediately contacted XXXX to inquire about this, and was told that they only report what the company tells them to, but that I could dispute the item again with them, and also directly to the company. I filed another dispute. I have in my possession a police report & identity theft report. I also added a fraud alert and credit freeze to my credit file, when I realized my identity had been used fraudulently. XXXX has copies of these reports. This collection does not belong to me. I have no knowledge of this company nor the company from which they purchased the debt. ( I was told today by XXXX the debt was originally from XXXX XXXX XXXX XXXX ). I have never had an account or affiliation with XXXX XXXX. I am requesting that this company be investigated, and that the collection be promptly removed from my credit report ( XXXX ), and this company permanently blocked from future reporting as this has been a complete nightmare for me and my family, and has taken a tremendous toll on me mentally, and also taken a lot of time and effort to attempt to resolve. It has also caused me stress and frustration. I am filing this complaint for assistance with this matter, as I am at my wits end. My next step is to contact my Attorney General to report the matter, with the hope that it can end and my credit report be restored to reflect accurate information. 


Additionally, there is another inaccurate collection reporting to my XXXX credit file. XXXX XXXX XXXX. I have disputed this account multiple times since XXXX as a result of identity theft. I was successful at getting the item removed from both XXXX and XXXX, but not XXXX. Recently, I attempted to dispute it again ( XX/XX/XXXX ) with XXXX, but was told that since it has been disputed numerous times, I could not file a dispute with the credit bureau, only the debt collector directly. I contacted XXXX XXXX XXXX by mail in XX/XX/XXXX, requesting validation of the debt, but received a letter stating that they have sent me information regarding the debt in the past, and that they will no longer send further information. I have never received a phone call or any correspondence from this company, and have no knowledge of this debt. As a consumer, I feel that all 3 credit reports should reflect both accurate and consistent information. With this collection on my XXXX report, that is not the case.
Product: Student loan

CFPB, I'm writing to you today, in regards to my student loans, including misinformation, mishandling, and misleading of the situation from my loan provider, Aidvantage. In XXXX, I paid off my full student loans, {$16000.00} from XXXX XXXX. When the XXXX student refund relief came around, about XXXX time, where it was meant to help with those affected by covid without expecting reinstatement of student loans, my wife and I assessed our situation, in XXXX, after being affected by covid and decided the refund would help in many towards the current events at hand. We had talked to the DOE, XXXX, and after being transferred to them, Aidvantage, between XXXX and XXXX. All of them told me the loans weren't to be paid back as this was to help towards covid relief. Through the whole time dealing with AidVantage, not once had they managed to tell me the loans would be reinstated and they had constantly led me to believe the student loan refund was a refund with no reinstatement, even after I asked multiple times if it would have to be paid back. After about a year of enquiring about the refund, we had received it, in XXXX, i believe around XXXX time, and after paying towards the intended expenses, we had gotten a letter, in XXXX XXXX, stating that my student loans had been reinstated. When initially enquiring about the refund, I was reassured that they wouldn't have to be paid back or reinstated and there was never any notice of a change in the refund act. I've talked to the department of education, ombudsman, my loan provider, and none of them are helping me. They've only told me at first it wasn't supposed to be paid back, but then it changed, and this was after we had gotten the refund and paid our expenses. We now have a 9 month old child, we pay a mortgage, we want to go through XXXX a second time for our XXXX  child and we have the loans on hold for under a year while trying to figure out how we won't struggle under these loans, but we cant find any viable solution. I'm messaging under the situation that the proper questions were asked multiple times, and multiple times, Aidvantage had told me the loans wouldn't have to be paid back, but after receiving the refund and paying for expenses, Aidvantage went against what they originally told me and reinstated the loans, without warning, a letter, or information about it during any other calls, while I was calloing to process the refund with Aidvantage. Is there any way my student loans can be forgiven. I've tried every other solution and looked at financial plans we can do, and none of them seem like they'll work. 

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

I have a credit card from XXXX, and I have always made my payments on time. After being alerted that there was a late payment on my credit report, I called XXXX and was informed that there was a mistake in their billing system which had resulted in a 30-day late payment on my credit report. 

As it turned out, by the time the billing issue was resolved, a second 30-day late payment had been placed on my credit report. This billing mistake resulted in me being 60 days late. 

It's important to note that my payment history has always been perfect and on time. I reached out to XXXX, Equifax, XXXX, and XXXX, but unfortunately, I have been unable to obtain a satisfactory resolution. Both XXXX, Equifax, and XXXX have reported me as 30 days late for XX/XX/XXXX and XX/XX/XXXX, which is caused by the bank 's error.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


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

The Name on the report has been notified as incorrect and Experian as well as, XXXX has continued to place the incorrect name by excluding the Suffix and/or entirely place the incorrect or a fraudulent name on my report. 

I have recorded calls as proof and am willing to take it to court and/or the hire level when necessary. 
I have called them over and over again to wit, has led me to start recording these calls after encountering a rude representative that wanted to tell me the incorrect information ( s ) is " Correct '' ... when i notified her the info is not correct she/he went on to continue asking me what on my report is not correct ....? I had to enforce them confess, Who's report is it .... Mine or theirs... They then hung up after I made them confess it is my report and not their report.
Product: Mortgage

Advertisements showing 5.75 % to buy a home without any other information such as credit or APR.
Product: Credit reporting or other personal consumer reports

I am formally report identity theft SECTION 623 ( a ) ( A ) and to request the removal of inaccurate, fraudulent, and outdated items for my credit reports and XXXX, XXXX equifax and all consumer reporting agencies. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any erroneous information that adversely affects my credit standing. The fraudulent activity has severely impacted my credit, and I seek prompt resolution to recitfy this situation. fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been adversely affected and have had my rights breached and violated. I HAVENOT received a schedule tender offer, nor was I disclosed to XXXX, among other things. I have made multiple attempts, during my administrative process, to contact the servicer ( XXXX XXXX XXXX , National Association ), the issuing entity ( XXXX XXXX  Trust ), and the Indenture Trustee ( XXXX XXXX XXXX XXXX XXXX XXXX ), regarding a Notice of Default for Outstanding Notes, a written notice specifying such default and breaches, and requesting it to be remedied. Also stating, that the interests as a Noteholder are being materially and adversely affected and continue to be materially and adversely affected. I have had my documents returned to me saying " Not XXXX XXXX 's Mail '' or have had to fax it to serval different departments just for them to say " they can't help ''. Section 3.9 of the Indenture Agreement states that they are to deliver to the Indenture Trustee. Also, Section 6.11 says the Holder of any Note will have the unconditional right, to receive payment of the principal of and interest on such Note, and to institute suit for the enforcement of any such payment. 

They have Breached/Violated ..... 
Representations and Warranties 17 CFR 230.425, 17 CFR 240.14a-12 17 CFR 240.14d-2 17 CFR 240.13e-4 ( c ) Regulation AB Items 1103 ( a ) ( 1 ) Regulation AB Items 1109 ( a ) Regulation AB Items 1109 ( b ) Regulation AB 1117 Regulation AB 1118 Regulation AB 1119 Regulation AB 1122
Product: Debt collection

This is not the first time this has happened. Even if I am 1-2 days late on a payment, this company called me back to back more than 8-9 times a day. If I do not answer, they call me under Unknown Caller. This harassment needs to stop NOW or I will take legal action. After doing my research on Comenity bank, it seems that they have quite the reputation for harassing their customers on a day to day basis. As of yesterday and this morning ( it is now Sunday, XX/XX/XXXX, XXXX ) I have received a total of 8 calls from them which is ILLEGAL.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and had fraudulent a inquiriy made to my credit. I've already filed a FTC report and contacted Transunion and sent in proof and they refused to remove these inquiry. They are breaking the credit law! Please have these inquiries removed immediately! Inquiry listed below : 1 ) JXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX  i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX  Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights Un-authorized inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX