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

On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, SC XXXX. Included in my loan contract was a specified amount of {$2700.00} for a 2 year warranty that would be included in my bi-weekly car payments. After the 2 years were up, it was communicated that my payments would go down. On XX/XX/XXXX I received an email from Westlake Portfolio Management that they were my new service provider and that US Auto Sales closed down XX/XX/XXXX. After speaking with Westlake multiple times, I have been advised that US Auto Sales sent over my contract to include the warranty price ; the warranty is no longer valid but I still have to pay for the price of the warranty with my loan. When asked if the warranty price can be removed from the loan to lower my bi-weekly payments, they advised it would not be possible AFTER already being told by a Westlake supervisor that my payments would go down and they would take care of it. On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX to see about refinancing my auto loan. I was advised by the bank that my car is only worth {$11000.00} and my total loan amount was {$21000.00} so I was severely overcharged for my vehicle. Westlake Portfolio Management did not take over the warranty so I am stuck in an upside down contract due to promises made by XXXX XXXX XXXX  that were never fulfilled with no warranty on my vehicle. I am now having mechanical issues with the vehicle with no warranty and am still obligated to make my bi-weekly payments ; due to financial reasons I may have to voluntarily surrender the vehicle which will affect my credit because I can not afford to pay for the repairs and the car payments. I have an open case with SC Dept of Consumer Affairs but all complaints about XXXX XXXX have been suspended until they can advise of next steps. As of today XX/XX/XXXX, I have voluntarily surrendered the vehicle and now am in even more debt due to XXXX XXXX XXXX  not handling business properly.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Ally Financial Inc. is providing inaccurate billing for the month of XXXX 2018 balance due is {$1800.00} with late charges of {$100.00}. In addition to inaccurate billing each statement is showing a remaining unpaid balance of {$19000.00}. I received a letter dated for XX/XX/2018 from XXXX XXXX, XXXX Customer Relations in reference to a complaint file on XX/XX/2018 through Consumer Financial Protection Bureau for a fraudulent loan. In the correspondence and based on the review on my account, Ally believes they are furnishing accurate and complete information of credit experience with the account.
Product: Debt collection

I am receiving phone calls from ERC from their XXXX phone number as early as XXXX in the morning. I have called them multiple times asking them not to call me that early as it is outside of the XXXX and XXXX time they are legally allowed to call and they say " we do not call before XXXX '' and keep calling me early in the morning. I have proof of their calls before XXXX and would be happy to provide it to your agency.
Product: Credit reporting or other personal consumer reports

The decrease of XXXX points on my credit report is a very poor evaluation of my credit performance and incorrect. Immediately, this needs investigation and my report should be restored. Thank you in advance for your attention into this matter.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea how they got there. I checked my report like I always do, but this time, unexpected discrepancies appeared. I refreshed my browser, hoping it was just a glitch, but the inquiries remained. Please review the documents I submitted thoroughly to resolve this issue immediately, so I can stop worrying about it.
Product: Debt collection

XX/XX/XXXX : Spoke with the collection agency to resolve the account. The agent told me the account was not past due because the company tried to collect payment using my checking account they had on file ( 3 ) days prior to my call. The payment was returned and that meant the account was still open because the attempted payment was made. The bank account the company tried to use has been closed for 2 years. 

This is not right. I did not authorize any sort of payment. This account has been in collections since XXXX. They are claiming {$1400.00} is owed but I only borrowed {$700.00}. 

They refuse to cooperate with me, continuously stating the account is not past due because of the attempted payment. I asked to speak to a supervisor, was transferred to a voicemail. I left a message and never received a callback.
Product: Debt collection

Account Name RECOVERY ONE LLC Open Date : XX/XX/2014 Balance : {$4200.00} This, " supposed '' debt that is reflecting on my credit files is totally an unfounded claim. 
This matter can easily be resolved by providing " any '' documents reflecting my true valid signature confirming my responsibility for any of these said " due amounts. 
However, there are none as I stated earlier, this is an unfounded claim of a supposed due debt that I have no clue as to why it has been continually posted. 
Please note that I filed a dispute via XXXX   requesting proof & validation of their claim previously and it was ignored. This is being reported by a company named " Recovery One LLC ''. 
Your assistance in this matter would be greatly appreciated. Note that this is the only thing ( other than inquiries ) that is burdening my credit file.
Product: Credit reporting or other personal consumer reports

My personal information was included in a data breach and my credit has been compromised. I noticed unauthorized accounts and inquiries on my report and I have reached out to this company numerous times to rectify this situation with no help. Please help me to get these items removed and correct my report so I can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agent XXXX telephone XXXX did a hard inquire on my credit and my wife 's credit without my approval.
Product: Credit card

Capital One closed my account and left false negative remarks for years on a SECURED CREDIT CARD for being a bit late. Also falsely advertising XXXX dollar deposit, but requires XXXX XXXX.
Product: Mortgage

I am personal representative for my aunt 's estate and have already sold her house ; closing date with Escrow is contractually agreed upon as XX/XX/year>, extended today to XX/XX/year> ( tomorrow ). 
PHH Mortgage company has delayed wiring the closing funds to the contractually agreed upon sale. 
Please urge them to conclude this contract.
Product: Money transfer, virtual currency, or money service

I have used Zelle for many years to transfer funds and am disappointed and concerned with how the company has handled disputes. Funds could be sent without a proper confirmation message from the institution and would often times provide little to no effort in recovering funds if accidentally send to incorrect recipient. This system can be and has been abused to gain fund inappropriately by some and needs to fixed. Also zelle is supposed to be free bu i am charged a dollar every time i use it to transfer funds, why is that? Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, all of my payment attempts started being declined without any clear reason. On XX/XX/XXXX and XXXXXXXX XXXX, I reached out to Venmos help desk for assistance, explaining the problem and requesting clarification or guidance on how to resolve it. Both times the agents informed me they could not provide any assistance. Both agents suggested that I should start using another payment provider such as Paypal instead. The second time, the agent just left the chat ( they announced it ). 

Despite multiple attempts to use the account, including for payments of {$48.00} on several days, each transaction was declined, and no additional information was provided. I have confirmed that my linked payment method ( bank accounts ) is in good standing and have sufficient funds. Venmo has not provided any further instructions on resolving the issue, nor have they explained why my account is unable to process payments. 

I am seeking help to understand why my payments are being declined and request Venmo 's assistance to restore normal functionality to my account.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Notice to Agent is notice to principal notice to principal is a notice to agent. 
I am contacting you because I have found some excluded information on my credit report. 

I noticed this account on my credit report has turned in a charge-off due to the financial problems Ive been going through. The account from XXXX XXXX in a balance of {$1300.00} has been " written off ''. I am referencing relevant sections of the FCRA, 15 USC 1681s-2 and IRS guidelines about reporting canceled debt. As per the law, those who provide information to Credit Reporting Agencies are obligated to ensure the information is accurate. I am cognizant of the requirement for you to report this canceled debt to the IRS.

15 U.S Code 1681 s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

You have reported to the credit reporting agencies that this is a written-off debt. A 1099-C, being non-debt in nature, should not be reflected on my consumer report. By law, the IRS demands you to include the 1099-C in your gross income for tax purposes. Additionally, I have not yet received my required copy of Form 1099-C for the canceled debt, and am now requesting it. The IRS states, " After a debt is canceled, a creditor will send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation ''.

This omission has led to inaccurate reporting of this income on my consumer report. I believe it is important to rectify this matter to ensure proper documentation and reporting. Furthermore, you have substantially damaged my way of life, as Ive been denied credit. As of now, you are now notified about the harmful inaccurate information. It is imperative that you Delete and Block this illicit charge from my consumer report. I must emphasize that you are now aware of the importance I place on the proper handling of my consumer report in accordance with the Fair Credit Reporting Act. I trust that you will fulfill your obligations under the law ( 15 U.S.C 1681s-2 ) and ensure the accuracy and integrity of my private credit information Also, this account is incomplete, from XXXX to XXXX there are multiple missing data for the periods. This is an inaccurate account and must be removed immediately. I thank you consumer reporting agencies for fulfilling your jobs and following the FCRA regulations. 
I have provided proof of payment history inaccuracies below in case evidence is needed in court or otherwise. I've counted 39 periods that report the status of " no data ''. THIS ACCOUNT IS INCOMPLETE AND VIOLATES THE FCRA due to a lack of accuracy. Therefore I am requesting this account be removed and blocked from my consumer report due to FCRA and IRS guidelines and goodwill. 


Thank you for your attention to this matter. 
Sincerely
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, TransUnion, XXXX. XXXX, TransUnion, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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 XXXX and Transunion 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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and tracking these transactions were infeasible. the CFPD s findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report and immediately noted that CBA of Georgia had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureaus responded, see attached. The bureaus responded that the company verified the information as correct. How so? A third party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, XXXX did not advise the bureaus to update the account status to disputed. This is a violation. 

My continued efforts to remove this entry from my reports was through with a direct dispute to the company. XXXX responded to my dispute in their letter dated XXXX ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. They stated that they would advise the bureaus to update the account to disputed. How so? If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. As such, being in receipt and providing the requested documentation was to no avail. XXXX XXXX did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of XXXX. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. ( XXXX ) blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and XXXX should remunerate me for the violations.
Product: Debt collection

I got ma letter from XXXX. It 's for XXXX. I believe it 's XXXX. I have not had this account open with them in 8-10 years? It was charged off with no payments made if it is this debt they are trying to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance XXXX {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}