23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Two weeks ago I contacted Wells Fargo because I am late on my car payment. At that time the car payment was approximately 45 or so days late ( actually I do n't know the exact # because Wells Fargo would n't tell me ) but as of today I was notified of a 60 day late on my credit report. I tried to make a payment with Wells Fargo but they would not take it. I believe they wanted XXXX payments which at that time I was unable to do that but I was willing to set up a payment XXXX for the XXXX and XXXX for the XXXX which is coming up. They refused. I hung up and called back thinking I might get someone willing to work with me. They transferred me to a Manager and he said he was the only person I could talk to and he was not working with me. ( not in those exact words ) but he showed no interest in working with me or taking my payment. ( Fast forward ). I have a XXXX car garage ( tandem ; XXXX car in front XXXX in back ) but I ca n't close the garage because I have items in the front spot so XXXX car sticks out. The Manager never mentioned anything about repo and my intention was to pay the back payments this Thursday the XXXX so my intent was not to hide the car because if it were I would have parked my other car on the street and closed the garage. I park this way all the time because XXXX cars can not go all the way into the garage. Well Friday XXXX at XXXX someone came banging on my door yelling for me to give him the car. I was at home alone therefor I did not open the door. My Jetta was blocking the Toyota so the only way for him to have seen the car was to enter the garage. He continued to bang on the door making loud noises and when I finally opened the back door he was sitting in his truck blocking my garage and blocking my other car. I asked him to leave and he refused stating " he will sit there all night '' he was disturbing the neighbors with the yelling and the loud noise from his truck. I eventually had to call the Sheriff 's to get him to leave. I am not sure but I could swear that the voice was the same voice of the manager I spoke with on the phone a couple of weeks ago. In my opinion it seems as though Wells Fargo employees are getting kick backs for repossessing customers cars because the voice sounded the same as the manager that would not work with me. Please investigate this because if that is what they are doing Wells Fargo needs to be aware of this practice. Also, I am not sure if a repo man can come bang on your door at XXXX and demand that you give him the car. I do n't know the rules .I want to call Wells Fargo to try and work something out but I am afraid that that same person will answer the phone. I simply want to know my options so I can decide if I want to keep the car or turn it in. In addition Wells Fargo put insurance on the loan for a month but have spread the payments over the deration of the loan ; meaning I am paying 13 % interest on the insurance because I am paying 13 % interest on the loan. It 's bad enough that the car only cost XXXX and I have been paying it since 2011 and I still owe XXXX. And they would not work with me to rewrite the loan when I asked, when it was current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the listed accounts on my credit report, which were reported by the credit bureau in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. The following accounts have been reported inaccurately and in violation of several sections of 15 USC 1681 : Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX Balance {$510.00} Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$8600.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXXXXXX XXXX Balance {$1400.00} Specifically, these accounts contain outdated and incorrect information that has not been updated or verified, and they were reported without my written permission as required by law under Section 602 ( a ) of 15 USC 1681. In addition, they violate Section 1681c ( a ) ( 5 ) of the FCRA, which prohibits credit bureaus from reporting outdated information that is more than 7 years old. The accounts also violate Section 1681s-2 ( a ) ( 1 ) of the FCRA, which requires credit bureaus to investigate a consumer dispute within 30 days and remove any information that can not be verified.

I also assert my rights under Section 1681g of the FCRA to access my credit report and dispute inaccurate information, as well as under Section 1681i, which requires credit reporting agencies to investigate disputes within a reasonable time frame. Furthermore, I dispute any inaccurate or misleading representations made by debt collectors on these accounts under Section 1692e of the FDCPA. Finally, I request the removal of any inaccurate or unauthorized information from my credit report under Section 1681 and Section 6802, which protects my rights to privacy and disputes unauthorized access to my personal financial information. I request that the credit bureau investigate these inaccuracies and remove any unverifiable information from my credit report.
Product: Vehicle loan or lease

In XXXX of this year ( XXXX ) my XXXX XXXX XXXX which i leased from Toyota Financial was repossessed from me on the week after my 3rd missed payment. Then within a couple of weeks they sold it out from under me while i was trying to settle the matter by taking care of the balance. Then even after the sale and to date the balance still shows due and my credit has taken a huge hit without my authorization. There are multiple agency 's who have violated my rights in this situation considering the fact that according to XXXX  XXXX XXXX XXXX and as an XXXX XXXX all my debts are supposed to be paid for me. That is a separate Tax related matter i will be dealing with soon. But for now i need to deal with these crooked crooks at the banks.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is in response to your recent claim regarding account XXXX, which you claim my account was charged off {$260.00}. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Statements are not accurate or valid when adhering to The Fair Credit Reporting Act, 15 U.S.C. 1681c.

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 



I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final good will attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office. Should you continue non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local laws. I further remind you that you may be liable for your willful non- compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detaling any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, 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 : Account # XXXX, has violated my rights. 

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: Debt collection

Avante USA is furnishing four medical collections accounts on all three of my consumer reports. The bills have tremendously decreased my creditworthiness, reputation and ability to receive medical treatment that is gravely needed. Each of the accounts were placed on my consumer report without my knowledge. I did not receive any correspondences about this debt prior to this debt being furnished. I was denied the opportunity to dispute the validity of this debt. I am requesting this company verify this debt before reporting negative information. The service dates and amounts are the first inaccuracies I noticed on my consumer report. I would like for Avant to stop reporting these alleged amounts on my behalf and send me a debt validation that contains valid information. Stop using deceptive practices to attempt to collect and alleged debt that has not been validated. According to the FDCPA aggressive, deceptive and unfair business practices are not permitted. The denial for me to dispute and validate this debt. Has caused me to be completely stressed out by adding information to my consumer report that depleted my character, reputation and credit worthiness.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally dispute a charge-off listed on my credit report that I believe is inaccurate and does not accurately reflect my current financial standing. Under U.S. Code 1681a, the Fair Credit Reporting Act ( FCRA ) ensures that all information on my credit report is both accurate and complete. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this charge-off and, based on the information provided below, take appropriate action to have it removed. 

The charge-off in question is listed under the account for XXXX, Experian and XXXX. The charge-off is reported as XX/XX/year>, and it negatively impacts my credit score and my ability to access credit at favorable terms. 

Reason for Dispute : I believe this charge-off was incorrectly reported due to The credit reporting agency did not furnish an account and payment history for XX/XX/year> on my credit report. As a result, I am requesting the removal or correction of this entry, as it no longer accurately reflects the state of my financial obligations. 


I kindly ask that you investigate this matter under the guidelines of the Fair Credit Reporting Act. I am confident that upon review, it will be clear that the charge-off was reported in error, and I request that it be corrected or removed from my credit report. 

Thank you for your attention to this matter. I look forward to your timely response and resolution.
Product: Debt collection

I have written several times asking for VALIDATION and PROOF that I applied for a PAYDAY LOAN I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX XXXX XXXX  If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.
Product: Credit card or prepaid card

I have been a Synchrony Bank/Discount Tire Customer for 14+ years. The last time I purchased anything on the account was in XXXX of XXXX. I paid the card off in XX/XX/XXXX. I logged into the website to check the account and see how much my credit line was to find out that they company had closed my account in XX/XX/XXXX. I reached out to the company and they stated they had mailed a letter. The company confirmed my mailing address. To do this day no letter has been received, they have the correct address. The reason my account was closed was due to our credit score decreasing due to other companies lowering our credit limits and our debt ratio looks terrible now. What poor customer service and to cancel an account for a long time customer with XXXX balance is completely absurd.
Product: Debt collection

Debt was for XXXX added to credit report. Original debtor was XXXX XXXX Hospital in XXXX or XXXX, nm. I did not live in XXXX XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX so debt can not be mine. Even if i was at yhe hospital I have XXXX to pay the medical bills since XXXX. So the debt is false and not mine. Needs to be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit card

I had a problem with XXXX XXXX XXXX and my issuing bank, First BankCard ( subsidiary of First National Bank of Omaha ) is not responding to requests for further assistance. When I first contacted them XXXX/XXXX/XXXX, they initially denied my case ( XXXX/XXXX/XXXX ) stating payment was due to the merchant for goods or services provided. I called and spoke to a supervisor named XXXX and explained it all to him and he more or less assured me that I could win the case and get my money back. However, on XXXX/XXXX/XXXX, they denied it again for reasons I 'm still not understanding. I mailed another letter XXXX and have yet to hear from them. I then faxed the manager of the department XXXX XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and again, I ca n't get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about A XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX  XXXX, XXXX   XXXX. XXXX XXXX XXXX XXXX  AND XXXX.
Product: Vehicle loan or lease

On XX/XX/year> I was contacted by Suncoast Financial through voicemail and a text message that threatened to call a XXXX XXXXXXXX if I did not return the vehicle If im not mistaken a finance company threatening to contact your XXXX XXXX  solely because you haven't returned a vehicle could be considered a form of harassment and potentially illegal, as it could be seen as an improper attempt to leverage your XXXX  status to collect a debt ; consult with an attorney to fully understand your rights and options in this situation. 

Highly illegal... .look it up
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX : {$0.00}
Product: Mortgage

I was refinancing my mortgage with East West Bank, to XXXX XXXX. East West Bank was non responsive to give me a pay-off demand notice. They cost me a lot of money each day holding up the process. When they eventually responded after I sent an annoying amount of emails and went into a branch, they ended up charging me {$180.00} in fees and subtracting it from the escrow account they owed me. They never disclosed these fees or notified me as to what they were for. I sent them an email and they never replied. They have been a nightmare to deal with. They do not service their loans appropriately. They ignore requests and have no sense of customer service. I believe i am entitled to a {$180.00} refund from them and they will not support why they charged this or reply to anything I send. When I call, they said I have to wait for an email reply, but its been over 13 business days that I have waited and that is unacceptable amount of time to wait for them to address {$180.00} dispute.
Product: Debt collection

This complaint is in reference to Wakefield & Associates. Accrding to President Biden and in accordance with CFPB, medical debt can no longer be apart of credit file. Please remove this collection FROM MY CREDIT FILES IMMIDEATLEY!!!!!!!!!
Product: Credit card or prepaid card

I requested a balance balance transfer from a credit card I have with my bank back in XX/XX/XXXX to another XXXX to pay off the balance. I had been watching and waiting for the payment to post to the XXXX card for about a month. Calling and checking online to both the bank credit card and the other XXXX card. The bank credit card reps were telling me it could take up to 14 business days to mail out the check. Nothing had posted to the XXXX as of mid XXXX. I let my bank credit card know and ask them to start the process of a refund to my credit card. That is when they found out the check had been cashed on XX/XX/XXXX. I was told by the bank rep the check was cash by the XXXX XXXX and to reach out to them. So I did and they requested a copy of the check, which I provided to them and they did their investigation. I have now received a letter back from the XXXX company stating the check was cashed by another company, and that is way it was not posted to my account. I reached back out to my bank to see what the next step is. 
You can clearly see on the check that was sent to the XXXX company, my name, address, part of an account number and the Bank ( company ) it was made out to. The endorsement on the back of the check is not that company. 
It is my understanding that you are not allowed to cash a check that is not made out to you. It looks like they did.
Product: Mortgage

Hello, I have a loan modification with CIT BANK and the agreement set my mortgage at {$1300.00} a month. My loan was serviced by XXXX XXXX but recently the servicer has changed to XXXX XXXX XXXX and along with that change my monthly mortgage has increased by {$1000.00} which has created a great financial hardship for me and I am in jeopardy of falling behind again. This change is a clear violation of the Loan agreement. I believe the confusion could have started with my an erroneous property tax assessment by XXXX XXXX. The assessment erroneously removed my homestead exemption, therefore, increasing my property tax bill to over {$160000.00} from {$5600.00}. The error was corrected by the county alongside XXXX the servicer but at the same time my mortgage servicing was being transferred to XXXX XXXX. As a result my mortgage has increased because the new servicer XXXX is claiming the escrow is behind. I spoke with XXXX and XXXX and neither will own up to correcting the mistake. Please help me resolve this issue so that I can continue to afford my Mortgage.
Product: Credit reporting or other personal consumer reports

Deducted XXXX points from my credit report **Experian** XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : ** Formal Complaint Regarding Inaccurate Credit Reporting Dear Experian, I am writing to formally address a serious issue regarding the deletion of my XXXXXXXX XXXX XXXX XXXX account from my credit report. This account has a perfect payment history spanning over one year, and its removal is not only unjustified but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly Title 15, Chapter 41, Subchapter III, 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

As highlighted in the Congressional findings and statement of purpose, inaccurate credit reports can significantly impair the banking system and undermine public confidence. I rely on my credit report to reflect an accurate picture of my financial standing, and the deletion of this account misrepresents my creditworthiness. 

I urge you to correct my credit report to reinstate the deleted account. If my credit report is not corrected promptly, I will escalate this matter by contacting the Consumer Financial Protection Bureau ( CFPB ) whistleblower department via email. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the correction of my credit report. 

Sincerely,
Product: Debt collection

I am from XXXX but had a fire in XXXX XXXX emergency health coverage  the XXXX health plan XXXXXXXX. All other creditors filed there claims but these guys. They placed it on my credit report. Like every other collection agency i have ever talked to they do not care to hear that they are wrong about anything. In XXXX they are particularly immune from falling any laws. They hung upon me and of course are on a power trip. Welcome to 2022.