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

Purchased a XXXX XXXX XXXX in XXXX of XX/XX/XXXX. My first payment to Ally Financial was {$300.00}. I subsequently made a lump sum payment of {$5000.00} in XX/XX/XXXX which they labeled a payment reversal which I intended to be a " principal payment '' on the loan. They applied this amount to the unpaid balance instead of the principal. My next monthly payment went up to {$310.00} after that for some reason. I never really noticed it until later on in the year that this was happening. Then, starting in XX/XX/XXXXmy payment amount suddenly went down to around {$280.00} a month but the actual amount taken from my checking account was {$350.00}. Again, i never noticed this and did n't ask any questions until i logged in to see what the interest rate was and to possibly refinance this loan with another institution. I started receiving statements that my next payment was {$270.00} and it was n't due untilXX/XX/XXXX. I had been paying {$350.00} for 3 years and had never been billed the {$270.00} as my statement read. Called them and they stated that I was paid up till next XXXX because I was overcharged every payment and, in reality was paying ahead. I never authorized this. I should 've been paying {$270.00} all along. i think my payments actually went up when I made the lump sum payment back when I first bought the car. With me being paid up untilXX/XX/XXXX I figured I would n't need to worry about the loan again until the next payment was due on the date I just indicated. I called to get the payyoff quote and I asked to make sure that I was n't paying finances charges every month until my next scheduled payment in XXXX XXXX. The lady stated that I WOULD be charged finance charges every month up until my next payment and she even quoted me the amount. How outrageous is this. I 'm being charged finance charges again on the amounts i paid up until XXXX XXXX again? I got fed up with them and requested the payoff and that I was going to have another financial institution pay off the loan but I needed ( according the other Financial Institution ) that I needed a document, with Ally 's Letterhead quoting the payoff amount ) She gave me the payoff amount and I gave a fax number where it could be sent. It 's been over a week and have n't received the letter and ( after what I 've been reading in the BBB complaints ) do n't expect to see this payoff document. I 've read some nightmare complaints with the BBB over these people and I can relate to their situation ( s ). I really do n't know whether to wait until my next payment date (XX/XX/XXXX ) and take my chances with the fraudulent finance charges or just pay the loan off today. I would have to come up with the money myself since the Finance Co. I checked into would not approve a loan without the official document from Ally. Note : I have been making monthly payments of {$350.00} since the inception of the loan and my statement clearly shows the monthly amount to be {$280.00}. Hopefully all of this makes some sense. I 'm at odds and have no where to turn. Thank you for the opportunity to submit this complaint.
Product: Payday loan, title loan, or personal loan

I got a loan from XXXX XXXX in XXXX XXXX tn on XX/XX/XXXX I have paid my payment every month and tried to make my payment on XX/XX/XXXX. They got my card information to get the XXXX payment but informed me that I had to pay XXXX I told them I did not have XXXX all I had was XXXX and I would pay the other XXXX in two weeks when I got paid again but I would pay the XXXX dollars that was due on my statement.they refused my payment and on XX/XX/XXXX told me that now I have to pay XXXX even though they refused to take my payment I told them to stop calling me since they refused payment and they told me they would keep calling me as much as they want until I pay XXXX.and there was nothing I could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted  XXXX  claims already and multiple disputes with the credit agencies to fix this issue. While  XXXX    XXXX   has told me that they have submitted the fix, the proof is with the credit reports. Equifax and  XXXX  keep flipping their reporting from positive and negative.     While they updated a few things  XXXX  requested they did not update the main portion which is the current status of my account. And because of that, it is currently hurting my score and my APR for my new loan on a home.     I am requesting again,  XXXX  and the credit agencies report to the credit agencies the correct information. I do n't want to hear that you have when obviously it is not being reported by  XXXX  as current.  One day it appears as if it is fixed, then the next it is back negative again. All while the current status listed shows 30 days late even though the other information backs-up the proof of it being current.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Alleged Original Creditor : XXXX Alleged Original Creditor Account Number : XXXX Debt Collector 's Account Number : XXXX Alleged Debt Amount or Balance : {$3300.00} Re : Alleged Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Alleged Original Creditor Account Number : XXXX Debt Collector 's Account Number : XXXX Alleged Debt Amount or Balance : {$880.00} Dear Midland Credit Management : I recently received communication from you attempting to collect the above-listed alleged debts. Your initial communication to me in an attempt to collect the alleged debts was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debts listed above in their entirety. Further, I request verification of the alleged debts, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditors and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debts and money that I do not owe. Cease and desist all collection activity, including all reporting to Consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my request above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this matter thoroughly and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 

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

There are 3 missed payments on my account There all paid in full amd I would like them removed off my credit report as it affecting my score There are 3 missed payments from XXXX XXXX XXXX XXXX of 2019. From Sheffield Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union and XXXX  do not do real investigations. They will submit it and take the collection agencies side. I have done multiple disputes to even get actual account info and it seems all they have to do is see a name on a bill and take that for face value. I am sick of these agencies not doing real investigations into disputes. For instance one agency XXXX  removed XXXX and XXXX collection and the other ( trans union and XXXX  ) said it was valid within a couple days. No investigation happen this is destroying peoples lives.
Product: Credit reporting or other personal consumer reports

Upon reviewing my most current credit report, I found that this account continues to be reported as a charge-off. This is incorrect, as it can not be reported in this manner given the 1099-C documentation.

According to the IRS, an unpaid charge-off is considered income, and under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. I have received a 1099-C ( Cancellation of Debt ) for the charge-off account listed below have received a 1099-C ( Cancellation of Debt ) for the charge-off account listed below : Account Number : XXXX Original Creditor : Credit Acceptance Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX . refuses to remove inaccurate negative remarks from my credit report after my repeated attempts to have them corrected.

On XX/XX/XXXX, I opened an individual credit card account ( acct ending XXXX ) with XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX, ( XXXX ) XXXX ) with a credit limit of {$300.00}. After not paying the overdue balance for some time, the account was closed in XX/XX/XXXX, and transferred to a collection agency ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX ). In less than a year, I paid XXXX XXXX according to an agreed-upon payment plan settling the debt in full.

Over a year and a half years ago, when I started paying closer attention to my credit score, I noticed that there were some negative remarks on my credit report related to this card. As of this complaint, there are 6 negative remarks remaining on this account over the last 24 months, stating that I missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not accurate as I had settled that out 3 year earlier. I reached out to both XXXX XXXX XXXX and to XXXX XXXX on numerous occasions, with both continuing to state that it was the other institution 's responsibility. I enlisted the efforts of a credit repair company, XXXX XXXX XXXX XXXX, for over 18 months at $ XXXX/month to try to get them to remove the negative remarks, but XXXX XXXX XXXX and XXXX XXXX maintained the same lack of responsibility. I contacted the three major credit bureaus myself to dispute and have them investigate, and still XXXX XXXX XXXX refused to remove these negative remarks that are highly injurious to my credit. The note that was added for me to this page of my XXXX report states : " Payments were made in compliance with the negotiated schedule. '' My individual credit report on XXXX  notes that the Balance is {$0.00}, and the Past Due Amount is {$0.00}.

I continue to be very frustrated by this, as it is negatively affecting my credit rating.

Hopefully this can get resolved soon. I do n't want to have to hire an attorney for this issue, as I 've already paid in over {$1000.00} for the services of XXXX XXXX I have attached the only letter that was sent to me from XXXX XXXX XXXX  regarding my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

i remember going to the dealership for a car purchase.i was asked for my SSN which i obliged only to be having to deal with all this inquiries.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I'm looking at my credit report and I see a charge off on my credit report from XXXX XXXX. According to XXXX XXXX XXXX Section XXXX XXXX ( d ) ( XXXX ) a " charge off '' is a taxable event which makes it income. So it is UNLAWFUL for the credit reporting agency to report charge offs on the report as I have a right to privacy for all of my income. Please remove immediately. Please note this is a notice of pre arbitration if the charge off is not removed. 

Thank you. 
Regards All rights Reserved XXXX : XXXX XXXX XXXX Without Prejudice
Product: Credit reporting or other personal consumer reports

Equifax : I have tried to contact Equifax on numerous occasions in order to freeze my credit. I can't get pass the security questions, as I don't understand some of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made " hard '' inquiries on my credit report WITHOUT my consent or authorization ; CONSUMER DATE XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX CO XX/XX/2022 XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized credit inquiries on my credit report. I have reviewed my recent credit report and found several inquiries that I did not authorize. These unauthorized inquiries are listed as follows : 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 XXXXXX/XX/year> These inquiries were made without my permission, and I have no record of having applied for credit or given consent to these entities to perform a credit check. Unauthorized credit inquiries can negatively affect my credit score and may be a result of potential identity theft or fraud. I request that you immediately investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Please provide me with written confirmation once these inquiries have been removed or provide a detailed explanation if you find otherwise. In addition, I request a copy of my updated credit report reflecting the corrections made. Please notify me of any findings or additional actions needed on my part.
Product: Debt collection

XXXX issue is a vehicle with XXXX XXXX. It was totaled by drunk driver then paid off in settlement. Morons work at company. XXXX Phones with serious fraud which was thru XXXX company was purchased by XXXX and no more XXXX. Our phone products were traded with an XXXX promotion XXXX ago. XXXX company purchased a sprint customer accounrs and has been trying to collect no acct info on our accouts. We have been with XXXX since takeove on time. XXXX is XXXX XXXX with serious inaccuracies and nothing updated with our account on time over XXXX. XXXX is XXXX  XXXX XXXX dealing with this fraudelent business card. It was taken off the recently added ruinibg my credit. XXXX  XXXX XXXX has no acct info on thiz card or transactions of who is usine this card since 2014. I'm aging slowly and it has been a miserable life moment dealing with these credit bureas all run by morons. Myself never use these accountd only our home which also a burden on my report. So much difficulties trying to get help however it goes round and round. I see lots of people with things and never worked a day in life. Even recently checked my social security account which has a different name and other person living in other state. So much involved and hopefully another chance at whoever reads this and can see my hope in faith. My email is listed thank you for letting my vent.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit card or prepaid card

I participated in a carpool because the cost of gas and inflation. Well my credit card was stolen from me ( I am guessing because it may have slipped out of my purse during the car pool with 4 other people. My Card was used at XXXX and XXXX XXXX and I truly believe that the credit card company is discriminating against me and not returning the funds that I did not use. They should know if you carpool with people they know how you look and they may have worked around that .I don't know but it has been a battle getting them to fix the problem.
Product: Credit card

Apple, XXXX  XXXX, XXXX, and XXXX XXXX XXXXXXXX all denied credit without checking credit and set standards for XXXX XXXX  victims such as myself that are more stringent for reasons against the fair credit act that also are against my U.S. constitutional right and continue to cater and participate in XXXX XXXX  over following laws in credit card and credit extending services to United States citizens.
Product: Debt collection

The debt that XXXX XXXX is claiming that is owed is not valid and XXXX XXXX   has admitted in writing that they did not follow Georgia code O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency. In accordance with Georgia law it was the responsibility of XXXX XXXX to send two letters of notification. The first letter that they have admitted in writing they did not send was a letter of accounting. This letter would have been sent to XXXX XXXX XXXX XXXX which was the updated address given to them in the bankruptcy. It was their responsibility to send a new statement with the balance owed and amount needed to keep the vehicle. They did not send that. It was also their responsibility to send a letter of intent to sale 10 days after taking possession of the vehicle. XXXX XXXX has admitted in their own words they did not send anything until XX/XX/XXXX. This far exceeds the 10 days that state law allows. I am attaching a copy of the letter received by XXXX XXXX admitting that did not send any notifications to me letting me know the balance and they did not follow the law when it comes to repossession. By law they had 10 days after they took possession of the vehicle in XXXX to send a intent to sale letter. Just because they claim they sent a letter for a prior repossession does not qualify s proper notice. Once they vehicle was repossessed again in XXXX they had 10 days to notify of the their intent to sale. They did not do this and because they did not follow state law this debt is not valid. Because the repossession was not lawful. Below is a copy of the state code they are violating. 

O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Credit card or prepaid card

When I signed up for my store card I told the associate I had a different billing address than my residential and she assured me that she put both addresses and I will receive statements and information to log onto their payment portal. This was incorrect because I never received anything. I also could not place a payment on their portal because when inputting my address it gave me an error saying my information was not matching what was on file for the card. I called and talked to a representative which understood and agreed that this was kohls error due to the incorrect address. He also waived the late fee on my account because of this error. However they refuse to remove the delinquency from my credit report. They issued me 30 days late. By the time they corrected the address on file I didn't get the statements only the delinquency paperwork I attached here. I need this removed from my credit report. I have paid them off completely but the delinquency remains even though this was Kohls error.