23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2015 I had an auto loan with lobel financial. I got into a car accident and the vehicle was totaled and I didnt have insurance. I was irresponsible young adult Ill admit that. I couldnt afford it that month. Lobel did tack on some type of LDW insurance on top of my car payment for insufficient insurance. Which I recently found out was suppose to cancel my loan in the event of a total loss. 2 weeks later I moved from California to Colorado. I Never heard from lobel again. I just recently was notified of the garnishment on my check. I called lobel asked about the lawsuit and why I wasnt notified, XXXX insurance that they added onto my monthly amount every month for insufficient insurance. The man I spoke with was very rude and said they did a substitute service and a man named XXXX signed the papers they gave him to give me. XXXX XXXX is my cousins girlfriends dad who lived in California while I was in Colorado. ( I dont ever talk to that cousin ever nor his girlfriend or her dad since before I got the auto loan and till this day I still dont. ) The man also said that I didnt have insurance thats why I still owe them. I asked him again about the XXXX insurance that they were adding on monthly. Then he said I didnt pay the XXXX insurance part just my loan balance. ( But then I wouldve been behind on my car payments right? ). Then he said my XXXX claim was denied because they couldnt get ahold of me or find me. So I asked how they served, sued, and obtained a judgement against me if they couldnt find me and he hung up. 5 years have gone by since I was sued and I never knew! They havent tried to contact me in 5 years.
Product: Debt collection

The original request for payment from the debt collector was mailed to me on XXXX XXXX. I mailed a request on XXXX XXXX to verify and validate the debt. I received no communication from this company. On XXXX XXXX I sent another letter indicating the I had not received the information in the 30 days allowed by the Texas Debt Act as such the debt was invalid and to stop collecting practices. On XXXX XXXX they placed the debt on my credit report as a unpaid collection. I later found out that they do no have a surety bond allowing them to collect debt or do business in the State of Texas. In fact it was cancelled XX/XX/2015 so any and all business within the State of Texas is being done illegally.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$56.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ( Original Creditor : XXXX ) XXXX Balance Owed {$8000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00} 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
Product: Credit reporting or other personal consumer reports

I did not give Navy Federal credit union authorization to do a hard inquiry on my credit report on XX/XX/scrub>XXXX XXXX
Product: Vehicle loan or lease

Hello, For these past 3 years I have been having issues with my Ally Auto loan due to their app constantly not working and them forcing me to pay over the phone which charges a XXXX $ fee to do so. Everytime I try to login to my account it says that im blocked and need to contact customer service to retrieve my account but never get a hold on someone on the phone, instead they have a robot insist on making the payment on the phone with a 3rd party company named XXXX that charges XXXX $ to do it. It took me 30-45 minutes to make this payment when it should be FREE and take 5 minutes max. Also they make you write out your whole social security on the phone to verify identity and I feel like thats too invasive. When calling it goes silent and the phone call continues with no confirmation that they are closed or too busy. 

This has been a constant occurrence that has negatively affected my credit due to their systems not working. I also had auto pay on my account at one point and ithey disabled it without my consent and marked it as late and reported that to the credit bureau multiple times when I try calling and get no answers. Their workers dont help either, saying that I need to use the app that never works and is continuously having issues!! They have made at least 3 new apps as an attempt to fix the issue and it is still the same. Because of them my credit has been affected and I have no issues with any other of my loans I always pay them on time, even my second car loan that I have I never have issues with them. I have had this loan since 2019 and I want to report this behavior in a attempt to have my credit be disputed which they keep denying. 

I made a complaint with the consumer financial board bureau already, Ally Auto is sending negative reports to credit bureaus despite them making it near impossible to make a payment on my own behalf through the means they provided.
Product: Debt collection

After cancelling XXXX I was informed that I would receive a kit to send back equipment but that was never received. Equipment was left with landlord and I no longer have XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to remove the bankruptcy chapter XXXX I filed in 2010. The item should be deleted iat 10 years. 
I made the same request to XXXX XXXX and it was removed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate XXXX Reporting on My Credit Report To Whom It May Concern, I am writing to formally dispute an erroneous XXXX account listed in the public records section of my credit report with Experian, XXXX, and XXXX. This information is inaccurate and is not mine, as I have never filed for XXXX in my life. 
To address this issue, I visited the United States XXXX Court : Central District of XXXX located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and spoke with a clerk named XXXX. After I showed her my credit report and the XXXX entry in question, she asked for my personal information to verify whether my name appeared in their records. Upon completing the search, XXXX confirmed that my name does not appear in their system and that the XXXX reported on my credit report is an error. 

XXXX further explained that there are numerous individuals named XXXX XXXX in XXXX XXXX XXXX alone, which likely caused this mistaken reporting. She assured me that the XXXX listed on my credit report does not belong to me and is being inaccurately reported. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information promptly. As this information is clearly erroneous, I request the immediate removal of the XXXX account from my credit reports. 

To support my dispute, I am providing the following : A copy of my credit report with the inaccurate XXXX entry highlighted Below is the XXXX that is incorrectly info reporting on my Experian, XXXX and XXXX credit report 's : XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  - Reference number : XXXX Please complete your investigation and remove this incorrect XXXX entry from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In early XXXX I reported a transaction as fraudulent as I had not received the services I paid for and the vendor broke conduct. 

Midfirst initially reimbursed me pending review, but ruled that the incident was not fraudulent. I escalated to calling multiple managers, sent emails to multiple people with evidence, and they all made promises of following up with me and progressing my case by some point in XXXX. 

It is the end of XXXX and nobody has contacted me or followed up on the issue. Every time I call them it's like the first time the issue has been documented and they have made no noticeable effort towards a resolution.
Product: Debt collection

I have a credit score of XXXX. Interstate Credit Collections ( a subsidiary of DataMax Corp. ) has filed a matter as being in collection, but I am not aware of any outstanding item I owe to anyone. ICC does n't answer its phone ; for three days in a row, I got a recorded message on their line that they are too busy to take my call. I have no way of knowing what this item is, and do not appreciate this company hitting my credit record without giving me any opportunity to find out any further information. I do n't know what to do, but I 'm leaving for vacation next week and do n't want this sitting out there. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

There is an error on my report. This account they are reporting is identified as a repossession yet they continue to report late payments since the vehicle is no longer in my possession it will be impossible for me to default on the payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX DOB  : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : HARD INQUIRIES : 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 XXXXXX/XX/XXXX Thank you for your assistance Sincerely, XXXX XXXX XXXX
Product: Mortgage

Im due for 3 payments. They wont accept one. They say I must make two payments that I cant make.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have sent numerous disputes challenging erroneous and inaccurate credit reporting for many months. This company refuses to obey by the FCRA and continues to violate my rights as a consumer. Causing extreme XXXX and XXXX. This is my final attempt to fix these errors outside of court.
Product: Credit reporting or other personal consumer reports

This agency is not reporting fair and equitable to me as a consumer in regards to privacy and confidentiality. 15 USC 1681 Permissible Purpose section 602 protects consumers rights to privacy, 15 USC 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instructions, and 15 USC 1666 b states a creditor may not treat a payment on a credit account as late for any purpose Action to be taken, remove and update all late payments on report
Product: Credit card

My XXXX credit report is showing a charged off account with Citicards CBNA. I have never had a credit card with this company and I know nothing about this account.
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 USC1681. 

DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATION/XXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car dealership was present with credit approval from XXXX XXXX and what going only go with them and ran my credit without my consent with other options. I told them that and showed them that i was approved already with XXXX XXXX for a certain amount. 
They ran my credit through XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

My husband and I decided to fiance a new car through the dealership. I was unaware however, of how many hard inquires the company actually performed. I just recently found that a total of XXXX hard inquiries were performed, XXXX for TransUnion and XXXX for XXXX. 
Because I was only aware of XXXX inquire, to be made by the dealership itself, it is my hope to dispute and remove these other hard inquiries as they were performed without my permission and have damage my credit already.
Product: Student loan

Hello, I applied for XXXX XXXX in 2020 and I am a part of the class action lawsuit in XXXX XXXX XXXXXXXX. I still have no updates to my application as my loan is supposed to be discharged. My school, XXXX is on the list for the class action and I have probable cause for discharge.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I am facing in removing inaccurate items from my credit file, despite numerous attempts to delete this issue. 

I have diligently reported and disputed inaccuracies on my credit file with 3 Credit Bureaus. Regrettably, despite my persistent efforts, these inaccurate entries persist, negatively affecting my creditworthiness and causing significant stress. 

I have submitted detailed disputes on the following dates. Each time, I provided supporting documentation and clarification to rectify the inaccuracies. However, to my dismay, the deletions have not been implemented, and the inaccuracies continue to tarnish my credit history. 

I understand the importance of accuracy in credit reporting and the need for a thorough investigation. However, the prolonged presence of these inaccuracies is both perplexing and damaging to my financial well-being. 

I urge you to escalate this matter and conduct a comprehensive review of the inaccuracies on my credit file. I have made consistent efforts to provide the necessary information for a thorough investigation, and I believe a prompt resolution is crucial. 

It is my expectation that Credit Bureaus takes immediate and effective action to correct these inaccuracies. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the inaccurate items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Belk credit card turned me over for a balance of XXXX principal balance. Before they turned it over to portfolio recovery, someone added collection fees of XXXX plus more ingest of XXXX, in which I am not able to pay any of it. I just buried my XXXX yr old son and my husband is in prison and I am trying to feed a XXXX yr old daughter I have. I almost homeless and I called them on XXXXXXXX XXXX XXXX XXXX and tried to negotiate bc my mom gave me her credit card to pay them XXXX and they denied taking or accepting that amount. So they had a shrieff to come out and threatening to sue me over XXXX. In which I offered to pay XXXX was all my mom had. I dont have any money, nor can pay them maybe XXXX a month since they want accept the XXXX but I shouldnt have to pay more than the balance was of XXXX, not some ridiculous fees added
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Failing to Remove Deleted Accounts from Credit Report To Whom It XXXX Concern, I am filing a formal complaint against Experian for failing to remove accounts from my credit report despite confirming in writing that they have been deleted. 

Background of the Issue : I disputed XXXX accounts on my credit report with Experian, specifically the following : Account # XXXX : {$670.00} Account # XXXX : {$500.00} Account # XXXX : {$1300.00} After conducting their investigation, Experian sent me official notification stating that these accounts had been deleted from my credit report. 
However, despite this confirmation, these accounts still remain on my credit report, negatively impacting my XXXX XXXX. 
I contacted Experian by phone to request that they properly remove the accounts, but they refused to take any corrective action and failed to provide a valid explanation. 
Violation of My Consumer Rights : Experians failure to properly update my credit report after confirming that these accounts were deleted is a violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA : Credit bureaus must conduct a proper investigation of disputes and accurately update credit reports. 
If an account is deleted as a result of a dispute, it must be permanently removed from my report and no longer appear in any credit assessments. 
Requested Resolution : XXXX removal of the XXXX accounts from my credit report, as Experian has already confirmed they should no longer be there. 
An investigation into XXXX failure to uphold its legal obligation to properly update my credit report. 
A written response from Experian and confirmation of the removal of these accounts. 
CFPB oversight to ensure Experian complies with the Fair Credit Reporting Act. 
This issue is causing ongoing damage to my credit profile, and Experians negligence is preventing me from having an accurate credit report. I request that the CFPB take immediate action to hold Experian accountable and ensure they rectify this issue without further delay. 

Please confirm receipt of this complaint and provide me with updates on the status of your investigation. I appreciate your prompt attention to this matter. 

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

I received a copy of my credit report. I disputed the account listed as Helvey and Associates for a zero balance. I have never had any dealings with this company. I sent a letter to the credit reporting agencies to verify accuracy and to send me any documentation. I received letters back from both XXXX and XXXX saying they verified the account but i have not received any information providing supporting documentation.
Product: Debt collection

I am extremely upset that a collection agency called my family members and employer after they had my correct contact information. XXXX XXXX XXXX from United Recovery Systems XXXX ext XXXX left a message on my cell and then proceed to contact my family members and work. He did not give me an opportunity to call him back after XXXX message. I spoke with his manager to notify him that that was inappropriate to contact my family members.
Product: Credit reporting or other personal consumer reports

These companies violated my rights to privacy and have not shown me proof of the original agreement and has negative items on my credit report. I gave no permission to or signed any contracts with them.