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

I have been out of work due to COVID19 since XX/XX/XXXX. In XX/XX/XXXX TD Auto gave ne an 2 months extentsion. As of XXXX still not back to work they granted me an extentsion but i had to pay XXXX interest in order to get extentsion. I was under the impression it was the COVID-19 extentsion by it being 2 months later. which the president signed into effect the CARES act and that creditors should try to accomodate consumers. they did grant the 2 momths. I am still as of today XXXX XXXX still not working and is onlt receiving the pandemic unemployment of XXXX bi weekly. I called and was denied the COVID-19 extentsion stating i already received the COVID 19 and Hardship and must wait to XX/XX/XXXX for another. when i called in XXXX i explained i still am not working due to underlying medical and covid-19 i though he extended me the covid relief payment extention instead he did a hardship and collected almost XXXX from me which i only get XXXX a month. now i am asking for an extenstion they tricked me into paying the XXXX dollars and made it a hardship which you can only request once a year. Wow what snakes. i am her with the COVID getting worse in florida no sign of me returning to work right now and i was denied any help which all comapnies where given relief funds to help consumers. i do not want to loose my car but this company is clearly about money. i have tried to reduce my payment due to creditors posting negative and missed payments on my credit file i can not re finance at this time. this is AMERICA the home of the Brave ... yeah right. the home of GREED. i want my extenstion granted by TD auto finance.
Product: Credit reporting or other personal consumer reports

XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX I am deeply concerned to find several accounts on my credit report that do not belong to me. These fraudulent accounts are causing significant distress and are preventing me from securing essential credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently plead for their immediate removal. Please expedite the investigation and correct my credit file as soon as possible. Thank you for your prompt attention to this alarming matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX Acc # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested multiple time through credit agencies to have account removed from credit report I have event sent over police report to show fraud. Starting in XX/XX/2018.
Product: Checking or savings account

Didnt let my charges go through and cause my payment to fail.
Product: Student loan

Nelnet set payment due on a bank holiday XXXX. I paid my loan payment on XXXX the next business day. Nelnet claims to have a grace period before something is late. However, they didnt process the payment until 5 days later. They marked my account as late and removed my 1 % rate reduction, which will cost me thousands in interest over the next 3 years. Called and nobody there would help claiming the payment was made too late to process on XXXX. They could not provide me proof or why.
Product: Debt collection

I was served and went to court on for a credit card debt and I was garnished. The issue is it is my understanding when I went to court I disputed that the debt was too old or that there was credit protection on this account, I am still not sure if it was from Providian or Bank XXXX. I am sure that I did not own $ XXXX. I have been garnished and I did not work the majority of last year being I was treating for XXXX XXXX. I am a senior and I do not know when I am returning to work but I would like to have this off of my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

I recently disputed a collections account through XXXX for a debt of XXXX from a creditor name of XXXX XXXX and the collector agency being Fair Collections and Outsourcing. It was added to my credit report on XX/XX/XXXX. This is inaccurate information and I will like this removed from my report immediately cause of the damage it has caused to my report. I have been living at XXXX XXXX XXXX XXXX, Ga XXXX from XX/XX/XXXX til XX/XX/XXXX and moved to XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX. I moved to XXXX and stayed at XXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX. I have never been contacted in any way of this debt and never have seen proof in writing with my signature that I owe this debt to XXXX XXXX and the collection agency Fair Collections and Outsourcing. Can this pleases be removed from my credit report cause its very detrimental to my report.
Product: Debt collection

Williams & Fudge has taken over my private student loan from XXXX XXXX XXXXXXXX for a few years now. They have ALWAYS automatically taken the funds out of my account every month in the amount of {$50.00}. However, I received a letter from them after XXXX XXXX stating that I am in default because I faile to make payments on time as require by the agreement. However, the AGREEMENT was that they pull automatically take out the funds every month! THEY stopped taking the funds out of my account so THEY broke their on agreement! Why did they stop taking funds out of the account every month as per the agreement in the first place?!! Yet they send me this letter trying to portray as though I made manual payments like I missed a payment when that is not the case. They have ALWAYS automatically taken the funs out of my account since theyve had this loan for a few years. They are misrepresenting what really happened as if I stopped making payments and begin on payments when the truth is THEY STOPPED AUTOMATICALLY TAKING YHE FUNDS OUT OF MY ACCOUNT!!! Why did they stop? I never called and requested for payments to be stopped. But they are lying saying I broke the agreement hen THEY BROKE THEIR OWN AGREEMENT. No one told them to stop automatically taking payments out. Why keep starting and stopping payments!! Nothing has changed! If anything changed I wouldve called yall and told yall!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to the inadequate, customer service and unfair practices, which violated the consumer financial protection act. Specifically, cash app failed to take any effective measures to prevent and address fraud on their platform, leaving my account, vulnerable, and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic transfer act and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I inform all three credit bureaus ( Equifax, XXXX, and XXXX XXXX of incorrect inquiries that were put on my credit report without my authorization. The agency never looked into the investigation and kept the inquiries on my credit file without my authorization, Nor do I have accounts with the inquiries in question. All of the inquiries that were made in XXXX are in accurate. I am working very hard on my credit to improve it and I have tried my best not to have any inquiries on my credit report that werent already there before XX/XX/2022. I did not authorize those inquiries in the month of XX/XX/2022 at all and It is a violation of my rights as a consumer to report inaccurate information. The agency did not take the time to investigate this matter and I am requesting validation with my signed signature that I authorize this information to be reporting on my credit file.
Product: Debt collection

I was told by at least three of XXXX 's customer service representatives that if I pay the balance of the debt that it would be deleted from my credit reports. After making the payment now I'm being told that it's not their policy to delete. I have provided them with a screenshot of my payment and a recorded call of the representative stating that it would be deleted and no resolution. Now another representative has called to tell me that they no longer own the debt and that Convergent Outsourcing owns the debt. Upon making the payment, the representative from Convergent told me that it was up to XXXX to delete the item. I am being given the run around and I still don't even know who owns the debt. I sent a letter to Convergent last year requesting debt validation and request proof of validity and in the letter I asked about who owns the debt and their response was a simple bill but did not state who owns the debt or if they bought it. Each company has given me the run around and nothing is getting resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XX/XX/XXXX XXXX XXXX back in XX/XX/XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XX/XX/XXXX. I appeared in court on XX/XX/XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XX/XX/XXXX. The courts approved the Reaffirmation Agreement on XX/XX/XXXX. The XXXX XXXX was then turned in at the XXXX XXXX XXXX in XXXX XXXX, Nevada on XX/XX/XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, XXXX, and CBClnnovis are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XX/XX/XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Credit reporting

On XX/XX/XXXX, I pulled a copy of my credit report from TransUnion. There was an account for XXXX / XXXX contained therein. On XX/XX/XXXX, I wrote to TransUnion disputing said alleged account and asked for validation. 

TransUnion failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to TransUnion requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has TransUnion marked my credit report as being " disputed '' ; although, TransUnion continues to report said item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Transunion. The credit report showed a credit inquiries that I did not authorize. I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

I ask that they please remove this inquires listed below : XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX I ask that TransUnion please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 

If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 

Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer.

( 1 ) All information in the consumers file at the time of the request except that ( A ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer. 

( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Thanking you in advance, _________________________________
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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,. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Home Depot did a bait and switch with a home improvement order we had put in and paid for with their store credit card. They failed us every step along the way. We took out the credit card as the sales rep aggressively pushed this and mentioned how it hurts them if they don't get enough sign ups. Feeling like this could affect our order and service we did proceed with the home depot credit card despite being debt free and having other options to pay for the purchase because we felt pressed to give in to the repa pleas.. The install never occurred after several issues and Home Depot continously telling my wife and I they would make sure things were fixed and completed. After being strung along for months we completed a return yet we still have this credit card they aggressively forced on us. I'm reporting g to ensure these horrible practices are discontinued so another customer isn't impacted by deceit and aggressive practices. This all occurred in XX/XX/2019 and can be verified that we never have used the card that was issued other than this one occasion. The hard inquiry had a negative effect on my and my sposues credit and had Home Depot of acted with integrity we would never have applied for a card to which hasn't been used in almost two years.
Product: Student loan

I have been receiving harassing phone calls at my workplace from a XXXX XXXX at Navient. He has also threatened wage garnishment, even though Navient has no ability to garnish my wages without first sending my account to an attorney collection firm and then taking me to court and then winning a judgment, and then executing the judgment. 

I would like him to stop calling my workplace and stop making threats. I am trying to save up enough to make payments again on my loan but I do n't think I should be threatened or receive calls to my workplace. If he continues calling my workplace then I may be fired and will never be able to pay back this loan. 

My account number is XXXX. My home address is XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX. 

This account is under my previous name, XXXX XXXX. I have recently changed my name to XXXX. The balance on the account is {$38000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX AZ Balance {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX AZ XXXX Balance {$0.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 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 payme
nt due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or deliver
ed 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!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX Subject : Request for Removal of Late Payments Account # Dear XXXX XXXX Representative or " To Whom It May Concern '' I am writing to formally dispute several late payments recorded on my XXXX XXXX  account XXXX XXXX. During the COVID-19 pandemic, I faced significant financial difficulties that impacted my ability to make timely payments.

The unprecedented circumstances surrounding the pandemic caused [ briefly describe your situation, e.g., " a loss of income, increased medical expenses, or other hardships '' ]. These challenges prevented me from adhering to my usual payment schedule, which I have otherwise maintained without issue.

I am aware of the importance of maintaining a good credit history, and I have always valued my relationship with XXXX XXXX. However, the late payments currently documented are now hindering my ability to qualify for future loans and credit cards, creating ongoing financial strain.

I kindly request your consideration in removing these late payment entries from my account. I genuinely believe that this adjustment would not only reflect my overall commitment to my financial responsibilities but also assist me in rebuilding my credit standing during this recovery period.

I appreciate your attention to this matter and your understanding of the challenges many individuals faced during this time. Please feel free to reach out to me at XXXX or your email XXXX should you need any additional information or documentation to support my request.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX