23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lease this car from them, never bougth the car, the car got into an accident the insurace paid and they said I never paid and still claiming i bougthh the car which is a complete lie, the insurace paid the car and they want more money and put this in my credit without telling me, when I found out I asked them for the original contract and payment history and never was provided this people not only took their money also mark my credit and dates do not macth. then Just put in my credit I made a payment in order to keep marking my credit which I never paid anything at all because the car was paid for the insurance it was a lease and was returned. complete lies and someone in here need to provide paperwork and stop lyng because it was they doing at this pointI want to bring to your attention the unfair and misleading actions of the leasing company. Despite the fact that the car I had was leased and not purchased, they are wrongly claiming that I never paid for the vehicle. They also failed to provide me with the original contract and payment history when I requested it. Furthermore, they have reported inaccurate information to the credit bureaus, damaging my credit score. It is crucial that they provide the necessary documentation and cease their dishonest practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX Cards which is reporting a charged off account of in the amount of {$15000.00}. MACYS/CBNA reporting a charge off account for amount {$17000.00}. XXXX XXXX XXXX is also reporting a collection in the amount of {$10000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Product: Credit reporting or other personal consumer reports

Subject : Request for Action and Compensation Regarding Inaccuracies in Credit Report I am writing to bring to your attention an ongoing issue with Equifax, XXXX of the major credit reporting agencies. Despite my numerous attempts to rectify inaccuracies in my credit profile, Equifax has failed to take the necessary corrective actions as mandated by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

In accordance with the FCRA, I have filed multiple identity theft reports with Equifax, requesting the deletion or blocking of fraudulent information on my credit profile. The FCRA stipulates that upon receiving such a request, a credit reporting agency is required to block the reported information within XXXX business days ( FCRA XXXX ). This information is still being reported on my credit report which is more then 30 days after I filed my iniatial report... 

Furthermore, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer ( XXXX XXXX. XXXX ). 

While XXXX and XXXX have complied with these requirements and deleted all related inquiries from my credit report XXXX months ago, Equifax continues to report these inaccuracies. This discrepancy between the actions of the XXXX credit reporting agencies clearly indicates that the inquiries Equifax is reporting are not factual. 

I hereby request that the CFPB take necessary action to ensure that Equifax complies with the FCRA. Furthermore, in light of the inconvenience and potential harm caused by these inaccuracies, I am seeking compensation for each item that is required to be removed according to the law ( FCRA XXXX, XXXX ). Under the terms of the FCRA, each rights violation committed by the defendant in a case could require them to pay between ** {$100.00} and $ XXXX. 


I trust that the CFPB will address this matter with the urgency and seriousness it deserves. I look forward to your prompt response and resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX attached all docs I have attached a copy of when XXXX DELETED THE REQUESTED INQUIRIES
Product: Debt collection

Sequium Asset contacted me in regards to my outstanding account with XXXX, Account # XXXX. I agreed to settle the debt for {$1000.00} on XX/XX/XXXX. Agent advised me that I will receive an email that states that account had been settled and that they will contact XXXX XXXX, XXXX to alert them that debt had been satisfied. I received the " paid in full '' letter from Sequium as promised, but XXXX XXXX claims that Sequium has not yet released the money I paid. I tried calling Sequium 11X and advised them that XXXX is still waiting for them to release money I paid. Sequium continues to give me the run around. At first Sequium advised me that they will contact XXXX right away, the next time I called the agent said the end of the month and on another call the manager said on the XX/XX/XXXX they will contact XXXX and on the last call I made the manager said he can no longer assist me since account is no longer with them because debt was already settled. I don't know what else to do no one seems to have the answer to where my money went. XXXX as of XX/XX/XXXX has not yet received my payment. 

Attached is receipt of settlement I made with Sequium to satisfies debt owe with XXXX XXXX.
Product: Credit card

I currently hold a VISA credit card with TD Bank, which I originally opened using my XXXX XXXX at a XXXX branch when I was a XXXX XXXX Now that Ive moved to the XXXX and have been issued a Social Security Number ( SSN ), Ive made several attempts to update my account with my SSN so that it is reported accurately to the credit bureau. Ive visited the branch, called, and even faxed my request multiple times, but the issue remains unresolved. This card is my oldest credit account, and as a result, when I try to apply for new credit cards using my SSN, my applications are denied because my credit history is incomplete, which significantly impacts my credit score.

I have made similar requests with other credit cards and received a response but TD has not provide any response.
Product: Vehicle loan or lease

The car was repossessed and Credit Acceptance is still saying I owe XXXX. I contacted them today to request a copy of the account but was told they didnt see anything in the system under my name or under my SSN.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my TransUnion free credit report online. TransUnion indicates I was employed at : XXXX I have never worked for XXXX, Earlier I failed an identity check because of this error by Trans Union. I received a XXXX XXXX XXXX by XXXX ( they lost my info in a breach ). To initiate the monitoring service I had to pass an Identity Check. They provided a list of my employers which included XXXX. but I said " None of the above '' since I never worked there! 

When I clicked the Trans Union dispute button ioffered on the web sire here XXXX XXXX XXXX XXXX  The system went busy and never unlocked. 

When I clicked on the support button on that page it redirected me to a page identifying issues that can and can't be resolved. I clicked on the Personal Information hyperlink and nothing happens.
Product: Credit reporting or other personal consumer reports

I made a purchase using a XXXX credit card for {$60.00} dollars during the 2022 holiday shopping season. A bill never arrived and no communications were sent related to it. They sent the {$60.00} late payment to a credit reporting agency and that dropped my XXXX credit report down more than XXXX points to the mid XXXX. Upon hearing of this from Experian I immediately contacted XXXX and paid the bill even though they sent XXXX. It was a tiny error that has destroyed my otherwise perfect credit for 40 years. When attempting to resolve this They were horrible and disrespectful to me, insulting, XXXX even though I paid this off with no invoice or bill ever provided. This single 30 day late {$60.00} has destroyed my credit and I have been impacted by it for housing and insurance. They are the worst and most XXXX organization i have ever seen.
Product: Credit reporting or other personal consumer reports

Im trying to move into my home, Im fresh out of college & my credit score is poor due to these companies reporting. Case law ( 15USC1692c ) states. 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 And reporting to my consumer report is a form of communication. Thats breaking the law. 
XXXX XXXX ( acct XXXX ) address : XXXX XXXX XXXX, XXXX Tx XXXX Jefferson capital systems ( Acct XXXX ) address : XXXX XXXX XXXX XXXX, XXXX MN, XXXX XXXX XXXX  XXXX ( Acct XXXX ) Address : XXXX XXXX XXXX XXXX TX, XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning the inaccurate reporting of multiple late payments by TransUnion. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.
Product: Student loan

I have XXXX student loans and am entering my XXXX year of college. I withdrew from my last semester due on XX/XX/17 due to health reasons and reapplied for the XXXX 2017 semester and was accepted for readmission by the end of XXXX XXXX. Navient, however, has put all my loans into " Grace Period '' and has been charging me interest on XXXX of my loans. I have emailed them twice. My first email advised them of my status at which time their correspondence to them was simply " your loans are in the grace period ''. I then called them to obtain a mailing address and fax them after which I faxed to them THREE times on XX/XX/17 a verification letter from my university detailing my years of enrollment and continued enrollment. Following the fax, I emailed them again on XX/XX/17 telling them to stop charging me interest and take my loans out of grace period since I am a current student. I have not heard anything back from Navient and the record of all my correspondence from them is not detailed in my account. There DO NOT KEEP ANY RECORD of my emails to them so I can prove what I sent them. Their response to me did not include any of my correspondence to them so I can not prove what I wrote to them. This is complete and utter deception by them aside from the fact that they continue to charge me interest although I am enrolled. They have completely ignored by request two days ago. This is a sleazy disgusting company and I will further be contacting my state Senators to complain about their shady business practices. I want my loans removed from their grace period and ALL THE ACCRUED INTEREST ELIMINATED since I have been a student continuously.
Product: Money transfers

My name is XXXX XXXX, on XXXX of XXXX 2016 i transfer the amount of XXXX Us Dollar to my father in XXXX through Money Gram and Today is XXXX of XXXX 2016 and he still not yet received, he went to more than three Money Gram agency they told him there is no transfer under this name, now been tow Days trying to find out whats the problem? the costumer service person keep saying is on hold because of verification when i ask why she said is because of money laundry, i asked what i should do? they said that the receiver need to call the Money Gram office in XXXX to verify his identity, the receiver try to find a contact number he could n't find it and i called 3 times this morning to get costumer service contact number they gave me this XXXX and the other lady gave me this XXXX none of these contact work?! when i ask i wan na cancel the transaction they wont cancel it unless the receiver call and get verified, i ask for a manger so can provide me with more info they refuse to escalate the call to a manager. 
i been sending money through XXXX XXXX for years i never experience such a horrible miserable horrible experience and trashy nasty costumer service, am frustrated angry mad because the person waiting for money for medical propose.
Product: Checking or savings account

Please note this is a follow-up Complaint to Complaint # XXXX, wherein I was complaining that HSBC would not respond or process my request for past checking account records required for my elderly and ill mother 's XXXX application. 

XXXX XXXX the XXXX Customer Experience Manager of HSBC responded to me in writing on XX/XX/22 to that complaint stating HSBC would send me the requested records within ten business days. I have not receive any records from HSBC as of yet. These records are desperately needed in order to submit my XXXX XXXX XXXX mother 's XXXX application for care that she urgently needs ( XXXX requires records going back 5 years ). HSBC 's non response/delay is DELAYING MEDICAL CARE. 

At this point I believe the bank is not responding because the accountholder ( my mother ) is elderly ( XXXX ) and is XXXX. 

Please assist as I have written HSBC more that XXXX times, called HSBC countless times, emailed HSBC 's CEO, XXXX XXXX, and submitted an earlier complaint to the XXXX to no avail.
Product: Vehicle loan or lease

I contacted ally financial about the late payments on my account, each credit bureau is showing different months late the information they are reporting is not accurate and I asked for them to remove it, I have attached the letter I got back from them. 

my credit report XXXX XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX late 1 XXXX  ( husband ) report XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as you can so nothing is consistent on how ally reported to the credit agency 's. 

I just want them removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. These hard inquiries were placed on my credit report without my written authorization..
Product: Checking or savings account

CapitalOne charged me {$170.00} more for travel arrangements than the XXXX XXXX cost of the trip. There was no disclosure that CapitalOne would be adding on an add'l charge before the funds were withdrawn from my account. I called the support line disputing the extra charge and they said nothing could be done. I then formally disputed the charge when it was withdrawn from my checking account. Capital One denied my refund claiming that I didn't contact the support line about the problem then closed the complaint without any opportunity of reopening it as I absolutely did contact the support line about the problem as soon as I saw the charge on my account - XX/XX/21.
Product: Credit reporting or other personal consumer reports

fair collections and outsourcing is reporting a debt on my credit report as the original creditor, but t I have never done business with this company. I have no knowledge of any debt owed to them, and they are not the original provider of any service or loan I've used. 

This account, listed with a balance of XXXX and marked as placed for collection is damaging my credit and a violation of 18 U.S. Code 894 specifically reporting information on my credit file in a way that has severely damaged my credit personal and professional reputation. This is being used directly or indirectly as a means to pressure me into repayment of a disputed or unverifiable debt. The nature of the reporting has caused me emotional distress and created legitimate fear regarding my financial future, employment opportunities, and access to housing and credit. 
This account listed with a balance of XXXX and marked as " placed for collection '' is damaging my credit. I have already disputed this directly with the credit bureau but I am requesting the CFPB investigate this matter further. This ay be a case of identity theft or incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by a Trans Union rep to fill out this report because of unauthorized inquires in my report. Please remove all these unauthorized inquiries on my report. Thank you for your help. This is hurting my credit score and giving false information to future creditors. XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a mower on my XXXX XXXXt credit card on XXXX XXXX for {$3500.00} with deferred interest for 24 months. My first payment of {$140.00} was due on XXXX XXXX. I paid {$140.00} on XXXX XXXX. I mistakingly under paid by {$1.00} and paid another {$5.00} on XXXX XXXX. On the next month statement it reflected a {$27.00} late payment fee. Numerous calls to the customer support center were made without being able to speak to a real person, in excess of 1 hour wait times. I paid another {$150.00} on XX/XX/2020 ( due  XX/XX/2020 ). Because I only paid my regular monthly payment and not the {$27.00} late charge I was assessed another {$38.00} late fee. Additional calls to the support center were not answered. I engaged the on line service who said they would waive the {$38.00} late fee if I made an immediate payment on XXXX XXXX in the amount of {$200.00}. I paid this well in advance of my regular scheduled date of XXXX XXXX. The {$38.00} fee was reversed but not the {$27.00}. Additional numerous calls to help center have not been answered even though I have waited on the phone for 1 1/2 hours on hold. The online assistance will not reply to my latest request to have the Original late fee reversed. I believe this is financial abuse by the company and their inadequate customer service makes resolution impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every credit report ( all 3 XXXX, Experian and XXXX  ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a zero balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all 3 bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after 7 requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all 3 bureaus and nothing has been investigated, corrected or removed.
Product: Debt collection

I have not checked my credit in over 6 months and when I get back on look at it, I see a {$1500.00} accountant is now in collections. It looks like some type of medical bill but I havent been to any hospitals in the year 2022. This has to be some type of identity theft so I disputed it on XXXX and it came back Verified and Updated nothing really changed except it changed some dates on missed payments. 

This is very heartbreaking because I have a maintained a flawless payment history with anything that I utilized my credit with and now I cant get a loan to buy the house I have always wanted for my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I've got bad debts out there, but they are mostly expired for credit reporting. 
The problem is that they reset the date of the debt which extends the length it can stay on my credit. 
They list themselves as the original creditors even though I never signed anything with them. 
I did attempt to dispute it for those reasons with XXXX but that was rejected. 

I have no idea which accounts go to what old debt because they are listed as original creditors and they do not list what the debt was for. Without knowing what debt it is I can't gather any evidence from the true original creditors and dispute it properly. 

This tactic negatively impacted my family because incorrect reporting leave me unable to buy a car and I need a car. 
The company is lvnv funding llc
Product: Credit reporting, credit repair services, or other personal consumer reports

I am among those who had data stolen in the Equifax hack. My name, address, credit, and social security are becoming public data as I type this, and I and many others will now have to take strong preventative measures to protect myself from identity theft. This is what happens when you let for-profit companies handle sensitive government data. Disgusting.