23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian, XXXX, and XXXX  have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Consumer Loan

I was laid off for a while but continuously asked for a deferment every time I asked they gave me an amount to pay not working i could not pay it then i found XXXX called for a deferment they said no I needed to pay a FULL PAYMENT paid it via XXXX XXXX and then called back and said no deferment available because I could pay a full payment. Continued to call over a period of weeks and was told again pay this smaller amount {$300.00} and I could get a deferment then ask to speak with manager and wanted a guarantee I would get a deferment advised no guarantee so i did not pay i was not working had no income had to pay for rent and food for my children then i found work had to wait 3 weeks to get paid called again for a deferment but manager advise no we do not offer deferments anymore at this time just make my payments they have such deceptive practices they lie all the time offering assistance then changing their mind when a customer makes their payment. They are rude and abusive on the phone when they do n't hear what they want. they should be investigated at a lll cost.
Product: Credit reporting or other personal consumer reports

I would like to dispute off these negative accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to diputed account on my credit report that were without my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION 15 U.S.C 1681 ( b ), thera are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their prsence on my report. PLEASE DELE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Attached is a report from the Federal Trade Commission ( FTC XXXX ) as additional evidence to support my claim regarding the unauthorized use of my identity. This document contains relevant details that validate my statement and demonstrate that I have been a victim of identity theft. I kindly request that this information be considered to proceed with the appropriate investigation and resolve this matter promptly
Product: Credit card or prepaid card

I received a statement from Citi Bank stating I had a balance due on my Credit Card. I paid the balance in FULL by the due date. I then received a statement with a balance. I contacted Citi bank and they said " that was the balance due from the time they mailed the statement to the time they received payment ''. I did verify that they did receive my payment before the due date. If thats the case, how will I ever pay this off? I go online, my account says " Balance Due '' and provides a due date. If I pay it in full by that date, it should be satisfied. They continue to bill me interest charges. I pull the bill online to get the most up to date information and pay that. Then I receive a bill for interest. I have tried to resolve this with them even by calling and trying to pay in full over the phone. NO LUCK!
Product: Debt collection

This debt was purchased from XXXX finance however, XXXX stated the amount owed was written off for {$9500.00}. Ncb is showing an amount owed of around XXXX XXXX  Please show documents showing validation of debt as well as the amount you purchased this debt for.
Product: Credit card or prepaid card

This is a continuation to complaint XXXX. Due to direct affects of the pandemic I was unable to respond within timeframe as I was medically incapable of doing such from direct affects of coronavirus. All attachments and arguments still stand and I also am accusing self lender of unethical and unfair operating practices. Self lender in their response makes claims that I owe a debt and notified me. I have repetitively and timely communicated with self about transactions that were unauthorized .Self lender has told me that i owe because i did not report the transactions withing their time period. in the attachments provided by me in case XXXX i have provided proof that is incorrect. I also would like to accuse self lender of taking advantage of me claiming to be a company to help build my credit with securities in place to avoid this very issue. When obtaining a secured credit card it states that the amount secured is the only way to increase limit amount. here is the information gathered directly from self 's web site. https : //www.self.inc/visa-secured-credit-card. to make this more egregious, my maximum limit was a very small fraction of what is said to be owed. i believe XXXX possibly a tad higher ( can provide exact information if needed ) and the card was used for several XXXX dollars at one point and unauthorized. The practices to gain assistance was and continues to be extremally laborious and unethically difficult to gain help. This is all laid out throughout attachments referring back to case XXXX this should be illegal to operate under the platform of aid and support with credit. the process to be eligible to receive a secured credit card calls for healthy and productive habits with their initial credit builder account in which I followed.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  CARD SERVICE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX MORTGAGE XX/XX/XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter serves as a formal complaint that Update Late Pmts to Bureaus Equifax, XXXX XXXX, and XXXX you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. XXXX XXXX XXXX l also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws. I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. XXXX XXXX XXXX accordance accordance with the fair credit act XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT with the fair credit act XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT Thank you for your time and help in this
Product: Consumer Loan

I refinanced my auto loan. On XXXX XXXX I overnighted a check to SNAAC. On XXXX XXXX I called to verify they received the payment for the full loan amount and to make sure they would not pull funds from my account. I was told that no payments would be taken because they did receive the check. In fact, I was informed that I had a XXXX dollar credit that would be sent to be my mail. I was lied to. my full regular loan payment was withdrawn on XX/XX/XXXX despite being told that would not happen. Luckily I had the funds in my account, but with it being SATURDAY I am left with little to take care of my family this weekend. I called my bank but the process on their end takes up to 45 calendar days. I am really disgusted that a company can do this to people. I was given a blatent lie, and I feel like they told me what I needed to hear to get me to go away.
Product: Vehicle loan or lease

Nissan has published and dropped my credit XXXX points by saying I missed my payment by 30 days in XXXX which is not accurate I paid XX/XX/21 7 days before 30 days late and it was inaccurately posted to principal only ( why would I do that and not pay ) I called and had it resolved and was told it wouldnt be counted late.
Product: Checking or savings account

back in XX/XX/XXXX I tried to open a max rate checking account with e*Trade bank and received an error message that my SSN was invalid, so I called in a spoke with a rep. I confirmed that I previously had an account but it was closed. I was advised if the system was not allowing it to be done online to print and fax the application for a new account which I did. I submitted it and called to check on it later, this went on for about a month. I would call every couple of days to check on the status of the new account and was told it was in review, I was told send color copy of photo ID and SSN, which was done. I called few days later and told to submit again, this happened multiple times. Well almost one month later they finally opened the new account, they opened it up on XX/XX/XXXX which was exactly 3 days shy of being a month that this application for the new checking account had been in review but it was finally opened on XX/XX/XXXX. I called in to inquire about my debit card issuance and was told they sent card to my old address and when the new account was opened they did not update my to new address or update any of my contact numbers or info and still had all the old info. I would have assumed they would have updated everything since all my updated info was provided with the new application that they took a month to process, review and open. So the rep tells me they sent debit card to wrong address as they had my old address and had my new one as a mailing address but she would fix but I needed to send a written request along with a copy of my ID yet again, this was their fault not mine so I Did as they asked after complaining about it. The account was In review to even be opened for a month I would have thought this was already addressed since it took so long to even open. They resend debit card to me to correct address and the day after I activate card IM told my account in restricted. I call in and am told they again need another copy of my drivers license, SS Card and I explained all provided before and they say they cant see. So I upload info and call, to my surprise I'm told more info is needed yet again and a photo of myself holding my ID in the photo which I provide. I speak to supervisor who says they appreciate info being sent but need another photo, now they are holding my funds in the account and won't release even though they have verified the check deposited was valid by the bank who issued it. they have had the funds and check for weeks, if it was bad it would have surely been returned by now as its been three plus weeks, they accuse me of not being the person to open the account and are not returning funds in the account and send letter accusing someone of fraudulently opening account in my name and are not holding my Money and won't return it even though they closed my account a week and a Half ago, this is ridiculous and a joke.
Product: Debt collection

I am writing to dispute the debt you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq., specifically 15 U.S.C. 1681-S 2 ( 7 ) ( a ), I have the right to dispute the validity of this debt.

Here are the specific reasons for my dispute : Validation of Debt : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ), I request that you provide a written validation of this debt, including the amount of the debt, the name of the original creditor, the dates of service for the debt, and my signature on the contract of this debt. I also request information on how I can dispute the debt electronically, as allowed by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

I request that you cease all communication with me regarding this debt collection effort. This is in accordance with 12 CFR 1006.34 ( d ) of the FDCPA.

Please note that I will not acknowledge this debt as valid until I have received the requested information.

I expect a response to this letter within five ( 5 ) days of the date it is received. Please be sure to include your validation information and any procedures for disputing the debt electronically. 

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

**This is my 3rd complaint filed against Ford Motor credit in 2 years. Both complaints have ended with a promise to resolve the issue. The issue is resolved, and then is reported in correctly again. This issue has caused my score to plummet, has cause multiple denials of loans, and most recently a new mortgage. XXXX My account with Ford Motor Credit, XXXX, was closed and paid in full 4 years ago. For years Ford Reported a charge off/ repossession on the car based on the insurance not making the payoff in time, AND misapplying the payment internally. 

This has plagued me for years. 

In XXXX, 2019 I was written a letter " XXXX XXXX '' an executive analyst, stating that although we disagree on the issue with the payment, that the XXXX that caused the charge off would be removed, and the account would be changed to a positive payment history, XXXX balance, an all notes of charge offs removed. 

I have had to reach out to them multiple times because the charge off seems to randomly re-report on my credit. 

Now, almost a year later, I have contacted by a mortgage company and informed that Ford Motor has reported a CO indicator exception on the XX/XX/2019 payment. This is showing on XXXX. Being less that a year ago, it has dropped my score drastically. Not only did this happen, their phones state they can't take calls because of COVID, and when I disputed it with XXXX, they verified that the XX/XX/2019 CO indicator was correct. This brought the CO to be fresh data, and dropped my SCORE AGAIN. Also ... this account has been closed for a very long time, not XX/XX/2019. If it was a mistake, ok, its the 3rd. But to verify the CO again? 

I have 2 letters from 2 people at Ford guaranteeing this was taken care of. And here we are.
Product: Credit reporting or other personal consumer reports

I am reaching out to address several issues I've experienced with the credit bureau, including incorrect account listings, inaccurate credit reporting, and billing errors. I need assistance in resolving these matters to safeguard my financial security.
Product: Payday loan, title loan, or personal loan

I made my first loan payment t o Cash Call on th is loan on   X/XX/17   . It was due     X/X/17  .  Cash Call applied principle and interest exactly as if the payment had been made on   XX/XX/XXXX  . When I protested, they have told me that all payments are credited on your due date regardless of the date you make them.     This is definitely a simple interest loan. The exact quote from the paperwork on this loan regarding interest figuring is : " Interest is calculated on a  XXXX  simple interest basis. This means that interest is calculated by dividing the ann ual Interest Rate by 360, multip lying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming that each full month is comprised of 30 days. '' However, Cash Call in effect is holding the payment and thus changing the " number of days the principal balance is outstanding. '' They thus refuse to give me credit for the payment toward principle for several days while waiting for the due date. This, of course, changes the date on which the principle decreased due to the payment and gains  Cash  Call increased interest for those days in which they pretend the principle was still full balance, while in fact they already had the payment and principle should have already decreased.     This is not how any simple interest loan I have ever had does it. Cash Call themselves in my prior loan with them always applied payments on the date made, deducting first interest due through that date and applying the rest to principle. They did not on the prior loan hold payments until your next due date to gain themselves extra interest in the meantime. However, they are now.     I have attempted to resolve this with Cash Call extensively. However, they simply keep saying that all payments are handled as if received on your due date. Due to the massive potential benefit to them in holding payments and delaying drop in balance, I am now starting to question their honesty in this tactic and think it is a deliberate attempt to pad their own coffers at the expense of customers. It is not right for Cash Call to have my payment, yet not apply it for several more days just so they can earn the higher interest for days in the interim by delaying any payment to principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother opened a XXXX Credit card account. She wanted to purchase my son a PC and she was unsure if they had the one she wanted at the store where she lives, so she added me as an authorized user so if I needed to buy the PC from the store where I live. She asked me to help her manage the emails and bills so I told her she could use my email and address and I would be sure to help her by letting her know when her payments were due etc... .Next thing you know she is having some financial difficulty and it's my credit report showing past due. I have never gave anything like income a social sec number nothing. I tried to dispute through XXXX Twice and they keep saying I own the account and NO I do not. I just want this off my credit. She had 3 other cards from 3 other retailers and no issue at all because I have nothing to do with the payments or lack thereof, I was just helping her get something for her grandson and now I get to see my credit score drop drop in this economy it's awful. If they pull their contract they should see, she applied and provided her information alone. I wish I could get credit cards without providing my income employment social sec number etc, that would be lovely. This should be so simple and I guess they think because she is having issues paying her bills, they will ruin my credit.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX XXXX This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FD

CPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt. 
2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o The name and address of the original creditor.

o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied.

o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt.

4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies.

Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation.

Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts.

Remove any negative information related to this debt from my credit report.

Confirm in writing that this matter has been fully resolved.

Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General.

Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter.

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

I was going to contact the 3 crediting reporting agencies but read the credit reports does not provide the score.I would like the credit score and all information pertinent to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my identifying information which has led to a cyberattack that puts myself and millions of others at potential risk. I am infuriated with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.