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

My ex husband took out a automobile loan in my name - after seeing it on my credit report he agreed to make all payments. We had a divorce settlement in 2020 which he took full responsibility of the debt. The automobile was financed under my name and social- it appears solely on my credit reports. At the beginning of the pandemic the company sent emails to consumers encouraging to call in and set up payment arrangements if necessary. I called in and asked to extend my due date to the XXXX - not a partial payment arrangement. She said that wouldnt be a problem. I asked her if payments would be marked late- she reiterated that it will NOT as long as it is pod by the XXXX. After years of paying - 4 months ago over 5 late payments appeared on my credit Report in the midst of a mortgage approval and three weeks away from closing. My credit score went from XXXX all the way down to XXXX and I will seek legal action if they dont resolve this. They are claiming that the payment for the XXXX was supposed to be a one time payment and that makes no sense, I record every call between me and this company after a bad experience with them years ago. I would like to upload the recordings along with my dashboard so that you guys can see the timeline of how they have been financially abusing my credit report as well as my loan officer can testify to this that this is complete consumer financial abuse by a company that is known to do this. They have no customer service, their representatives are limited educated individuals trained in collections. The judge ordered my husband XXXX XXXX to take over that and responsibility of this account, I sent in a copy of the divorce settlement and called in over a year ago - their response to me was that they have no department that deals with us.
Product: Credit reporting or other personal consumer reports

This is my fourth attempt to inform you that I am a victim of identity theft and to dispute specific records in my document resulting from this crime. The records I am contesting pertain to transactions for goods, services, or money that I neither made nor authorized. Please remove any information in my credit report that resulted from this alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  XXXX XXXX Balance : {$65000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$65000.00} XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX  XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - Experian Date of Report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following credit reporting agencies, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They are reporting late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is listed on my credit report under my rights granted by the Fair Credit Reporting Act FCRA. I recently obtained a copy of my credit report and identified the following account that I believe are incorrect and should be removed. I am a victim of identity theft that has affected me. Recently, btw XXXX, I discovered that my personal information was used without my authorization to make unauthorized transactions. I did not give permission for anyone to use my identity, and I believe this activity constitutes identity theft. I have since taken steps to address the situation by filing for a police report and contacting the companies involved. I submitted the police report to these companies. Despite these efforts, the fraudulent activity has caused significant distress and inconvenience. This account is negatively affecting my credit score and do not reflect accurate information. I am requesting that these items be investigated and, if found to be inaccurate, be removed from my credit report. Please conduct a thorough investigation of these items and remove any information that can not be verified as accurate. I am also specifically requesting : 1. The name and contact information of the person or entity you interviewed during the verification process.

2. Any documentation or records that were used to verify the accuracy of the information in question. 

With all due respect I dont want the results to come back as verified because I do admitted I opened the account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) but along the road my information was exposed in a data breach and there was numerous fraudulent transactions which led my account to be closed. 

According to the FCRA, you are required to investigate my claim and respond within 30 days of receiving this letter. Please inform me of the results of your investigation in writing and provide me with an updated copy of my credit report reflecting the changes. 

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

I bought a water softener and they used Castle Credit to finance it. On my contract with the water softer company there is no terms, interest rate, or amount of the monthly payments. Soon after we started getting phone calls from them and they wanted {$80.00} every 2 weeks for 60 months. We have paid them for the last 4 years. I had some money to pay it off and so I called them asking them to show me what I owed. They said I have only been paying half them time, so I asked to send me proof and they won't. They refuse to show me what I have paid and want XXXX on a XXXX water softer. I just want proof. They put it on my credit reports and won't stop calling me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I request that the following accounts be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX Accounts : XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$1400.00} XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$2700.00} XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$4400.00} XXXX. XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$8200.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from NISSAN-INFINITI XXXXNMAC ) XXXX XXXX XXXX of XXXX dealership on XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which XXXX cleared on XX/XX/2023 * NISSAN-INFINI XXXXNMAC refused the payment to pay-off this lease XXXX XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* NISSAN-INFINI XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with NISSAN-INFINI XXXXNMAC is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to NISSAN-INFINI XXXXNMAC  customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from NISSAN-INFINI LT/NMAC
Product: Student loan

XXXX School loan should have been in forbearance due to COVID. They continued to take out payments from checking account during the forbearance period totaling {$2300.00}. 
I notified Ed Financial the loan servicer and they told me they would check into it. I asked for a refund of the above amount back to me and to put that balance back on the loan. They said they would put in the request and asked for me to write a letter stating that information and asking that the forbearance be granted and the refund be given to me. 
I submitted the letter online on XX/XX/XXXX. 
I was told I would be notified within 7-10 days. 
Today, XX/XX/XXXX I contacted them stating I had never heard from them and they said that XXXX the lender had denied the request and there was nothing that could be done. 
I contacted XXXX and they told me the loan should have been in forbearance starting XX/XX/XXXX and they had that on file and did not know why those payments continued to be taken out. 
They said they could do nothing at this time.
Product: Checking or savings account

Made a inquiry to a charge from overseas. Customer service rep from XXXX erroneously put XXXX claims instead of XXXX. XXXX minutes to correct the problem then I called back to let them know I recognized the charge since it was listed under different business name. Wells fargo claimed I made XXXX claims absolutely made no due diligence to look into their error after being a customer for XXXX years and closed 2 accounts after 23 years as a customer. 
I had a balance of XXXX cents and they also charged me those XXXX cents for " questions, phone calls '' listed under processed transactions. It turns out as they have been a fraudulent bank opening accounts in other people 's name under my account they also were too lazy to find a legal way to close the account and decided to charge " Phone calls, question for XXXX cents which is illegal and not in any of their terms or agreement. This bank needs to pay for my damages of my irs refund being rejected for direct deposit now and having to amend my returns which puts me in a financial hardship. They have once again gone around the legal loopholes created to protect the consumers. The CFPB was established to advocate for those who don't have the means to hire expensive attorneys or accountants.
Product: Vehicle loan or lease

I purchased this car in 2020 and was approved for an auto loan through American Credit Acceptance at XXXX in XXXX TN. I was told that the loan was roughly XXXX closer to XXXX and I was shown that amount on my contract. I have been paying this loan since then and although I have missed some payments and had them added to the end of the loan, the balance NEVER moved UNTIL I filed a complaint a few weeks ago. Upon doing so, for the first time in 4 years, my balance went down to roughly XXXX. Now I have addressed this issue before to no avail. I have made a total of XXXX payments ( that is XXXX ) yet I still owe almost the entire amount. It appears that on a previous contract they sent, the total amount said XXXX and THAT WAS NOT THERE when I signed the contract, the document appears to have been tampered with. I would like the CFPB to help me see a breakdown of ALL payments and investigate the quality of the contract. It looks like the total amount of XXXX was written in pencil. I have requested a breakdown and was told that is not possible. 

CFPB- I have noticed that this is not the first time the company has done this, please check your records in NY and see if there are any similarities between that case and this one.
Product: Debt collection

I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS REPORTING AN ALLEGED DEBT TO MY CREDITOR REPORT AS THE COMPANY IS STATING I OWE A DEBT THAT DOES NOT EXIST. I PUT DOWN A SECURED {$400.00} for CREDIT CARD AND NEVER RECEIVED A DEPOSIT BACK AFTER 6 MONTHS, ALSO XXXX HAS REVERSED THE ACCOUT INTO A NEGATIVE BALANCE OF {$830.00} DOLLARS. XXXX XXXX IS PRACTICING UNLAWFUL ABUSIVE BEHAVIOR TOWARDS ME AS A CONSUMER ACCORDING TO 1026.11 - Treatment of Credit Balances ; Account Termination Paragraph 11 ( a ) ( 3 ) XXXX. Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. 

XXXX. Good faith effort unsuccessful. Section 1026.11 imposes no further duties on the creditor if a good faith effort to return the balance is unsuccessful. The ultimate disposition of the credit balance ( or any credit balance of {$1.00} or less ) is to be determined under other applicable law. 
11 ( b ) Account Termination Paragraph 11 ( b ) ( 1 ) XXXX. Expiration date. The credit agreement determines whether or not an open-end plan has a stated expiration ( maturity ) date. Creditors that offer accounts with no stated expiration date are prohibited from terminating those accounts solely because a consumer does not incur a finance charge, even if credit cards or other access devices associated with the account expire after a stated period. Creditors may still terminate such accounts for inactivity consistent with 1026.11 ( b ) ( XXXX ). 

11 ( c ) Timely Settlement of Estate Debts
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 ( 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 then records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is a 3rd request. Please remove them from my credit profile. 002 Belongs to another individual with same/similar name.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX  XXXX XXXX XXXX 2023
XXXX XXXX XXXX XXXX 2023
XXXX XXXX XXXX XXXX 2023
XXXX XXXX XXXX 2024
XXXX XXXX XXXX XXXX 2024
Product: Debt collection

This company recently purchased my XXXX mortgage. Was in contact for a month or more regarding my intent to refinance from an old XXXX to XXXX loan. At the last moment, they added the payoff to the loan as a " monthly payment '' to XXXX causing my debt ratio to go XXXX %. My credit score averages around XXXX. They lied saying they did not report it. XXXX confirmed that they did. No help at all with customer service and rude on top of that. Fortunately, the refi went through but the rest of my credit is locked down due to this entry which every banker, loan officer and XXXX rep has said they have never seen done before. Account showed to be current with XXXX but still posted the {$83000.00} balance as a payment due. The refi closed on XXXX XXXX, 2016. The funds were distributed XXXX XXXX. The company, Specialized Loan Services, apparently does n't have the capabilities to have the funds wired so their check had to be overnighted. I called them on XXXX XXXX to confirm receipt. Their automated system advised me that they received my payment on XXXX XXXX in the amount of {$340.00} ( the usual monthly payment ). This indicates to me that someone decided to enter the {$83000.00} and not just a " system '' procedure as they tried to tell me. I confirmed with an account rep that the entire balance had been received and the loan paid in full. However, when I asked when I could expect the ridiculous credit report entry to be removed I was informed that they only file with the credit bureaus on the XXXX of every month and that they would not remove the {$83000.00} until XXXX XXXX. In other words, they have their money but the still believe they should be able to lock down my credit until XXXX XXXX. This company has been rude, impossible to deal with and judging by their google entries have been practicing this way for some time. Articles entitled " SLS scam '' and such are prevalent. All I want is for them to remove the ridiculous INTENTIONAL entry made on my credit report so that I may continue my financial activities. They are paid in full. I can not even obtain a gas credit card at the moment because of my XXXX % debt ratio due to their dirty entry despite my high credit score. This is unfair and should be able to be corrected with a phone call or simple report to XXXX. And they are rudely refusing to even entertain the thought. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took XXXX XXXX XXXX in XXXX XXXX. Since XXXX XXXX my account was set upfor Autopay and the payments were going through every month without fail. In XX/XX/XXXX for some technical reason not relatedto me, Autopay didn't go through for XXXX and XXXX of XXXX ( I later in XX/XX/XXXX learned from XXXX customer service that autopay was disabled by the XXXX due to a sales tax increase by the government resulted in an increase in my monthly payment ). I cleared late payments as soon as I was made aware of the issue in XX/XX/XXXX and re-enabled autopay. This was reported to the credit bureau and it is affecting my rating very badly even though I have been a loyal customer of XXXX and made all payments on time. I tried contacting XXXX customer care and they didn't help me with this. On XX/XX/XXXX I was transferred to the Credit Reporting department by the customer care team ( I might have gotten the name wrong ) and a lady spoke to me from that department, acknowledged my payments were set up for autopay and observed a similar issue ( of autopay not going through ) with other customers with autopay enabled for more than a year. She guided me to report the issue to the credit unions and she suggested attaching the autopay statement from XXXX whichwassent to me by her. For some reason, XXXX didn't acknowledge this issue on their end when Transunion and XXXX contacted them. As you clearly see auto pay not going through is not in my control. Yes, I could have realized this sooner but I was going through a COVID situation for myself and my family around that time which kept me busy. In the month XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX claims they tried calling me several times but I didn't see any voicemail evenif it is assumed I have missed their calls due to the XXXX XXXX  I wasgoing through.Please help me with this. I tried explaining this to XXXX several times and they didn't show any empathy about covid situation I was going through and the fact that the autopay disablement was due to XXXX 's reason. I have attached additional evidence about the XXXX  and health situation along with the autopay-enabled email.
Product: Debt collection

The name used is A RA FINANCIAL but when you answer they hang up. When I did a reverse number search, the complaints submitted were troubling. I will put the number on my block list but even the complaints have said this company gets around that, XXXX person even stated that they had her husband 's SS #. I 've had identity thief issues in the past and now I worried that this may happen again. It took me along time to get those issues resolved, I ca n't afford another situation like this.