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

We took the car to XXXX XXXX XXXX for them to buy the car. The sent in a check to JPM chase company. They lost the check. Thats the month of XXXX. So for XXXX they said it was a late payment. Then XXXX sent in another check. They didnt cash the check until the first week of XXXX. I called and complained. Told them they are ruining my credit. They said it was all their fault and it was taking them a while to process the checks. So for 3 months they said I was late on the payment. Which I wasnt. I didnt even have the car. They also just sent me a check for over payment. So the account is closed. I sent in a complaint to XXXX. My credit is being reflected negatively. I cant buy anything right now. So I need this fixed.
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, has violated my rights. 
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

XXXX XXXX  XXXX XXXX are reporting late payments status on my reports when there's an arrangement in place vans no late payments statuses should be reported- this is inaccurate and violates my rights according to 15 US Code 1682 and 15 US Code 1692 amongst other - account : XXXX XXXX XXXX XXXX has notified them of payment and shouldn't be reporting late per agreement
Product: Mortgage

I just contacted my Second Mortgage Servicer ( XX/XX/2016 ), Nationstar Mortgage LLC, asking for a XXXX after my First Mortgage Home Affordable Modification With Select portfolio XXXX. was approved this XX/XX/2016 Spoke With XXXX Nationstar XXXX Department and she explained me that '' if the government did not sent the information to them we do not qualify for the XXXX under HAMP '' I thought if the First Mortgage qualify under XXXX the second is eligible for XXXX. 
Is Nationstar Representative correct?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a medical education loan that has been reported on my credit report. I took out this loan from XXXX ( with account XXXX ) to finance my medical education, with the understanding that repayment would not begin until after my graduation. 

However, despite my graduation being scheduled for XX/XX/2023, I have received notices from the lender that my loan is due and past due. Furthermore, the lender has reported the debt to credit reporting agencies, which has had a negative impact on my credit score. 

I have attempted to resolve this issue with the lender, but I have not received a satisfactory response. I believe that this is a violation of the terms of the loan agreement and that the lender is in breach of contract. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and conduct an investigation into the actions of XXXX. I am seeking a resolution that will remove this debt from my credit report and prevent any further negative impact on my credit score. 

If you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act is the federal law that spells, among other things, out how long negative information can remain on your credit report. I have contacted Equifax on several occasions advising them that this company XXXX XXXX XXXX is a fraud company that's trying to collect debt on old stuff. I did tell them the company is stating I took a loan out online but there is no solid proof that, that's me. There are statute of limitation a debt collect can report something on your credit and for Florida they have four year. This so called debt they say I owe is over 6 years ago. And I never received a any statements in regards to this issue. Also the representative with Equifax does not understand English and that bother me no one is helpful.
Product: Debt collection

I have been paying them to let payment plan which I have not continue to do it to serious hospitalization and I try to explain that on several occasions the gentleman continue to harass me call me tell me that 's not his problem and was is verbally abusive when trying to make contact with him to set up a different payment plan. he refuses to knowledge any other plan other than pay him today! 
It has become so bad at this point I do n't even answer the phone however made my last attempt today XXXX XXXX and had to hang up because of the abuse was so bad! 
He has stated he 's already reported to my credit and continue to make threats of further actions. The company continues to add personal fees on top of the original fee that I/O and we can use to make any payment plan or negotiation with me we ca n't even get to that point because of the abuse of the gentleman on the phone. When request to speak to another agent he refuses to who is the only one on my case and on this phone line repeat when request to speak to another agent he refuses to who is the only one on my case and on this phone line repeaterly.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report 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
Product: Vehicle loan or lease

The company provided a payoff amount, but received substantially more from my insurance company. The company has failed to provide any documentation as to the reconciliation of the payoff amount. The company provides no way to contact them.
Product: Credit card or prepaid card

On XX/XX/2022, I logged into my Citi credit card account to check on XXXX of my XXXX credit cards I keep with them. When I logged in, I was unable to access my Citi XXXX card and saw a message that said it was inactive. I was concerned because I had not deactivated or done any action to close the account. I was worried there was fraudulent behavior and called Citi at XXXX in the evening. I spoke to several reps, who advised that my account was shutdown by Citi because it was inactive for 15 or 18 months ( XXXXwo reps told me two different answers ). I was quite upset. This is my longest tenured credit account and it's important for my credit score. It was extremely unfair of Citi, and honestly pretty deceptive, to shut the account down without telling me. On top of that, when i asked them to re-open the account they said it would take XXXX business days AND require a hard credit inquiry, notwithstanding the fact that I have an XXXX XXXX and another open credit card with active usage with them. 

It was like Citi was intentional about damaging my credit and did so in a way that was unprofessional and hidden, they never reached out to inform me of their actions. I never received a notification my account would be closed. I had not read my credit terms in YEARS ( because I'd had the card for so long ) that my account would be shut down for inactivity, and they did not provide me any warnings or letters that it would get shut down. 

I pushed to escalate and was finally advised that a more senior customer rep would call me back shortly. I asked that they call me between XXXX and XXXX AM because I would most likely be unable to take a call later in the day. I heard nothing for several days then on XX/XX/XXXX, I received a call back at XXXX, which I missed due to my work. I've given up with them, Citi is punishing me for literally no action, my card was shut down because I hadn't used it, and that directly hurts my credit. To re-open it is a hard inquiry, further damaging my credit. I am going to look for a new home soon and every basis point of interest matters in a mortgage, so Citi 's crude incompetence will probably cost me several XXXX dollars.
Product: Mortgage

I initially took out a mortgage on XX/XX/XXXX with Fremont Mortgage In California. It was then transferred to Litton Loan Service where I had a loan modification. It was then transferred to Ocwen Loan Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ; XXXX or XXXX in XX/XX/XXXX. I took out another loan modification with Ocwen in XX/XX/XXXX. The agreement showed that once the total of {$58000.00} would be removed three ( 3 ) in XXXX ; XXXX & XXXX as long as I made my payments on time which I did & was never late. Fremont Mortgage initially had two ( 2 ) loans on the property through Litton Loan Service LLC then Ocwen XXXX. It was paid off while with Ocwen. Ocwen failed to apply my payments for two months & held it in a suspense account. After writing letters to Ocwen & filing several complaints, Ocwen corrected the account & applied the three deferments to the account. After Ocwen got in trouble with the government, the mortgage portion of their business was transferred to PHH Mortgage XXXX XXXX XXXX, XXXX NJ XXXX ; XXXX AN XXXX who failed to maintain accurate records with the correct Principal balance & Original Amount. ( Amount on record is {$310000.00} in XXXX XXXXthe original amount & not the amount of the loan modification with Ocwen Loan Servicing LLC in XXXX resulting in overcharges ) and then transferred the inaccurate record to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; NewRez.com ; XXXX. It showed that my mortgage was {$310000.00} instead of the Loan Modification amount of {$220000.00}. It shows the wrong principal bal. In XXXX the balance was {$64000.00}. Im mot getting credit for my payments. The records are showing a Negative Amortization. In addition, I charged {$20.00} late fee & I have until the 16th of the month before being accessed late fees. Attacks the record for XXXX :
Product: Credit card or prepaid card

XX/XX/2020, my COVID-related benefits unexpectedly halted and paused my primary source of income. Discover contacted me within the same month and I conveyed clearly my financial situation, however still coerced {$180.00} to be debited from my bank before the end of that month. Again, I was very clear about the uncertainty of income and could not confirm having that amount available by then. 

The scheduled payment was inevitably denied. Since then, the company has called up to 6 times a day ( excluding Sundays ) and has relentlessly filled my personal voicemail box ; rendering it as unusable during the length of our national emergency.
Product: Credit card or prepaid card

On XX/XX/2018, my

Amex Bluebird card was stolen, along with a wallet, from my sister 's locked car. This was reported the day it happened, and they said I'd be protected, that i didn't need to worry. I trusted in the American Express name ... big mistake Today, my fraud claim was denied for the second time.

Several online purchases were made after I informed the company. My card was STOLEN. how is that not covered under fraud? I just want my refund. They refuse to do anything whatsoever, if i weren't dirt poor then I guess they might care. They took a month to reissue me a replacement card ; two weeks later i finally got paperwork which i returned on the same day. On the last hour of tje tenth business day they denied my disputes on both occasions Something needs to be done.
Product: Consumer Loan

i purchased a vehicle from XXXX 10 % interest rate 2 nd loan with wells fargo payment was XXXX $ monthly i was upside down XXXX $ my loan was, my amount financed was is XXXX XXXX payments i got about 2 years of payments asked for a pay off quote had saved some money was going to attempt to pay the car, from the XXXX XXXX ask what the pay off was they said it was XXXX $ still i asked for my records of my payments i received about week and half look at my payments XXXX $ they fluxiate a little about XXXX $ interst a month was never notified this ever shown this in it says 10.9 percent i researched called wells fargo since the dealersshio ask for the loan i my behalf was never notified 40 % interest have called wells fargo numerous times ask them if they could consolidate they said its not the procedure i am in a loan shark loan this why i am still making payments on time want to get out this loan
Product: Credit reporting or other personal consumer reports

I purchased a car from XXXX XXXX XX/XX/year>. The owner, XXXX XXXX has completely disappeared. The tags on the vehicle has been expired since XX/XX/year>. Ive reached out to the Attorney General via email and was told to retrieve a title bond. However, the tag office is saying that is not possible. The lien holder, XXXX XXXX stopped taking payments on the vehicle due to the car not having a title. Ive been back and forth with the issue for months!! They are in contact with XXXX XXXX but we are left stranded. Today, I decided to check my credit report and XXXX XXXX has a balance of {$3200.00} reporting on my credit report which is inaccurate. I reached out to XXXX XXXX and was informed by XXXX ( Leadership Team ) that i must have it removed. I asked her why was it placed on my credit report because they stopped payments on the vehicle due to the car has no Title or whatever the issue is regarding the title. I am not the only victim in this situation. Monday Im going to speak to my local sheriff about it. Also, XXXX XXXX ran my credit without my knowledge prior to me buying the car. I asked him why did he ran my credit knowing we didnt came to any agreement yet. I hope my complaint reaches the right hands because this has been a nightmare!! Not only do I have a unregistered vehicle without tags, they are also reporting fraud on behalf of my credit. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. I found that under section 605b ( a ) XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are accounts that I settled with the original creditors ... these accounts should have never went into collections ... Experian declines to forward me any proof, documents or contract proving their claim or the claim of the collection agencies ... this isn't accurate at all ... I have contacted creditors, and I was told that they did not verify these accounts for Experian ... F.C.R.A. law is being violated and so is my rights ... 



DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting

The address on my credit report in incorrect I never resided at XXXX XXXX XXXX XXXX LA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report that I believe is inaccurate. Pursuant to 611 of the Fair Credit Reporting Act ( FCRA ), I request that you promptly investigate the disputed items, verify their accuracy, and provide written documentation of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX refuse to correct information that has been proven fraud already.
Product: Payday loan, title loan, or personal loan

XXXX is unavailable to connect with my back account. ( PNC )
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 XXXX  Account Number : XXXX Account Name : XXXX  Account NumberXXXX 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, credit repair services, or other personal consumer reports

To whom it may concern : I have several collections on file from collection agengy XXXX XXXX XXXX. ( account number ) XXXX on XXXX report and account number XXXX on my XXXX report. Please be adviced that I am disputing these collection accounts due to the fact that XXXX XXXX XXXX which utilizes XXXX XXXX Resurgent Capital Services, located at XXXX XXXX XXXX XXXX, S.C XXXX, does not currently have a license in the state of ILLINOIS to collect debts. The State of Illinois ] Department of Financial & Professional Regulation websites does not contain licensing verification for this " collection agency ''. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide physical proof that XXXX XXXX XXXX is in fact licensed to collect in Illinois. Your immediate response will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Reporting and Request for Balance Non-Disclosure Re : Dispute of Late Payment Reporting and Balance Disclosure XXXX XXXX XXXX XXXX Account ( Account # : XXXX ) Dear credit report agencies I am writing to formally dispute the inaccurate reporting of late payments and the display of my balance associated with my XXXX XXXX XXXX XXXX ( Account # : XXXX ) on my credit report. The information being reported is inaccurate and conflicts with my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ). 

Account Details in Dispute : Account Type : Auto Loan Date Opened : XX/XX/year> Balance Reported : {$50000.00} ( as of XX/XX/year> ) Past Due Amount : {$990.00} ( as of XX/XX/year> ) Original Balance : {$49000.00} Basis for Dispute and Balance Non-Disclosure Request 1. Inaccurate Late Payment Reporting : The reported past-due amount of {$990.00} is incorrect and has not been properly validated. Under the FCRA ( 15 U.S.C. 1681e ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. If the late payment information can not be verified, it must be removed. 
2. Right to Privacy and Non-Disclosure of Balance : Section 913 of the CCPA ( 15 U.S.C. 1693k ) prohibits the display of financial account information, including balances, without lawful justification or explicit consent. I do not consent to the reporting or display of my account balance on my credit report and request its immediate removal. 
3. Violation of Consumer Protection Standards : The FCRA mandates that consumer information be reported fairly, accurately, and only for permissible purposes. The continued reporting of this accounts balance and late payments in their current form is neither fair nor compliant with federal law. 

Requested Actions : 1. Remove the inaccurate late payment information from my credit report immediately.

2. Remove the balance information for this account from my credit report in accordance with my rights under federal law.

3. Provide written confirmation of all corrections made to my credit report. 

Supporting Documentation : I have attached the following documents to assist in resolving this matter : A copy of my credit report with the disputed account highlighted. 


Conclusion : Please investigate this matter and provide a resolution within the 30-day timeframe required under the FCRA. If the information can not be verified as accurate, it must be deleted from my credit report. Additionally, my balance information must no longer be displayed to protect my privacy rights under the CCPA. 

Thank you for your immediate attention to this matter. If you require further information or documentation, please contact me directly at XXXX. 

Sincerely, XXXX XXXX