23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call at my place of business today ( XX/XX/18 ). The person on the phone identified himself as XXXX XXXX and in a very rude and condescending tone informed me that XXXX XXXX XXXX wanted to settle a debt with me. When I requested to have everything in writing, he became belligerent and stated that he will just contact my payroll dept. I told him that he is not to contact me at my job and ended the call. He called right back and I answered the phone. He did not realize it was me that answered and proceeded to disclose his reason for his call which he is not supposed to do. He proceeded to be very abusive in his tone and language and stated Ha!, you think I can find the number to you payroll dept.? Your worker is in the wrong. The abusive phone calls need to stop.
Product: Mortgage

I still have not received the electronic copy of the pay-off statement from SN Servicing Company. 

I need SN Servicing Company to send me an electronic copy of the standard pay-off statement dated for XX/XX/21 Please take a look at the attached letters. This is an equitable property.
Product: Debt collection

I am filing this complaint because Midland credit management has refused to remove an inaccurate debt from my credit report. I disputed this debt with the bureau 's, but the creditor claimed it was verified without providing sufficient proof. Despite my request for proper validation, the inaccurate information remains on my report, negatively impacting my credit. 

The debt in question is from Midland credit management for the amount of {$1000.00} and {$790.00}, I first disputed this in XXXX to XXXX, XXXX, XXXX, and I also contacted the creditor directly. The credit bureau responded stating the debt was verified, but I was never provided with proper documentation proving its validity. I requested a detailed validation of the debt from XXXX, from Midland credit management but they both either did not respond adequately or refused to investigate further. 

This inaccurate debt has negatively affected my credit score, making it difficult for me to qualify for loans and other financial opportunities. under the Fair Credit Reporting Act, I have the right to dispute inaccurate information, and creditors are required to conduct a reasonable investigation. I believe Midland credit management has not properly verified this debt and is in violation of my rights.
Product: Debt collection

am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX  compliancy requirements. 
Under the FCRA, it is your responsibility to ensure that all information reported to credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requiren to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
Inormation in my credit ripestigate this matter and correct any inaccurate or incomplete Any tipal an o my co th repor prosite st or your vest the investigation resuls and Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I requested my consumer report from Early Warning. On XX/XX/2022, Early Warning sent my consumer report labeled as " Comprehensive File Disclosure. '' After reviewing and seeing all my information that Early Warning has been providing to financial institutions, Early Warning is committing identity fraud and violating privacy protection for consumer information. Early Warning has not received written permission from me to disclose such information. I have no contract or agreement with the company to furnish my personal information ( name, SSN, address, phone number, Drivers License #, and banking information ) to any person or corporation.
Product: Credit reporting or other personal consumer reports

I realized I have damages on my credit report which is preventing me from buying a house for me and my children. I have reached out to all credit companies they refuse to update addresses and inquires that are not mine. They refuse to remove closed accounts which is preventing me credit. I've already filed the class action lawsuit for data breach for XXXX I am a victim. I've asked them to remove fraud alerts and freezes with no resolution. 
XXXX, TRANSUNION, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Vehicle loan or lease

I have always made on time payments with credit acceptance up until COVID. Yes we did get a grievance period up until XXXX of XXXX but I am still being impacted by COVID due to my health and other around me still recovering both physically and financially. XXXX refuses to remove late payment for XXXX and XXXX. Them not removing late payments is impacting my credit score and now I am unable to get a home or a place to stay. We lost everything including a home. I believe especially during these times that credit acceptance should try to help others as people are still struggling to recover from the devastation COVID has caused.
Product: Debt collection

I have a complaint against the XXXX company, they say they sent the validation letter in 2020, but so far there is no letter that their legal department will be in charge. Are they suggesting that they will send me to court? 
In the absence of validation and violation of the FCR, remove this account from my credit as soon as possible.
Product: Credit reporting

On XXXX I opened a mortgage with XXXX XXXX XXXX in the amount of {$320000.00}. Due to issues I had no control over, we had to let the house go into foreclosure. Our last payment was on XX/XX/XXXX the Trustee Sale was on XX/XX/XXXX per the XXXX County Recorders office. XXXX is falsely reporting to all XXXX credit bureau 's wrong information and I have been trying to have them fix this for the past several weeks and still has not been resolved. First, they are reporting to all XXXX credit bureau 's that this account is still open and as of XX/XX/XXXX I am XXXX days past due. Second, there is a discrepancy in the account number that all XXXX credit bureau 's have and what XXXX has. I am at the mercy of XXXX to fix this and it seems that the individuals that are in charge of reporting true and accurate information are incompetent. I am currently trying to refinance my current house to a lower interest rate which would save me approximately {$75000.00} in interest. Because of XXXX 's inability to report correct information I am not able to proceed with my refi. I have uploaded all the documents that I have received from XXXX to all XXXX credit bureau 's to have them correct these issues but they will not due so.
Product: Debt collection

On XX/XX/XXXX my banker called to tell me I had a debt collection on my credit report that was new. I logged in and found a {$470.00} collection from XXXX being collected by Sunrise Credit Service. Prior to being placed on my credit report, I had never heard of or was contacted by Sunrise or XXXX regarding this collection. I spoke with both companies that day and neither could find any records of ever attempting to bill me or contact me regarding it. On this same day I disputed the debt via XXXX and XXXX 's website. I also sent an email to Sunrise Credit requesting verification of the debt. Now, 11 days later I have yet to hear anything from Sunrise or XXXX. Per the FDCPA, they are required to send me a letter stating my rights to which I have not received. I would be glad to forward the original email I sent them, if requested. The facts - XXXX and Sunrise say I owe {$470.00} for services received from XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX in XXXX, TX. I was never a guest in XXXXXXXX XXXX in XXXX and they can verify that. In addition, XXXX XXXX told me that I was one of 14 other people to receive erroneous charges on their credit report from XXXX. This is fraud on a large scale and should be investigated. I should mention that I live in the XXXX, TX Area, not XXXX, TX and we like the rest of the XXXX were on Covid lockdown during this time. I hope this is just a glitch in XXXX system, but their refusal to look into this matters smells of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are XXXX and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. XXXX XXXX proved themselves to be XXXX. They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the XXXX gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! XXXX XXXX we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff XXXX XXXX XXXX and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it
Product: Vehicle loan or lease

On XX/XX/XXXX, I sold a vehicle ( private party ) that was financed with GM Financial. There were two checks included with the loan payoff form ( the first : {$12000.00}, and the second : {$13000.00} ). Both were cashed on XX/XX/XXXX, however only one ( {$12000.00} ) was applied to the account. I have had to contact GM Financial over a dozen times, by phone and by website chat. I have provided signed front and back copies of the check to at least 3 individuals as requested and still have no resolution. In the meantime, I am making payments on a vehicle that was sold two months ago. GM Financial seems to be in no hurry to help resolve my issue and it seems absurd that it would take this long to locate a check that was already cashed by the company. I sold the vehicle for more than I owed, so I am waiting for approximately {$2600.00} to be refunded once the check is found.
Product: Money transfer, virtual currency, or money service

I was scammed out of money and I couldnt get help recovering my money from cash app, theres no one available to talk to
Product: Credit reporting or other personal consumer reports

SPRING OAKS CAPITAL LLC Is Reporting on my XXXX report an account which shows as act XXXX with a balance of a balance of {$540.00} I have no knowledge of this account, I have dispute and requested a proper verification and validation, as of the fair credit act the company has not complied. 

I request a immediate removal from my credit report
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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$830.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am filing a second complaint regarding my initial complaint and disappointment with how my issues are all being dismissed. I appreciate your attention to this matter, but there are crucial issues that remain unaddressed : 1. Payment Confusion and Cancellation : - My initial payment of {$880.00}, intended for the release of my car, was reportedly missing from your records. This led to my decision to cancel the subsequent payment scheduled for XX/XX/XXXX, to avoid the risk of additional lost payments. The XX/XX/XXXX payment was intended as an additional payment but due to the ongoing issue of the previous missing payment, I canceled the payment scheduled for XX/XX/XXXX until the {$880.00} payment was found and resolved. 

2. Car Condition Post-Repossession : - Prior to repossession, a diagnostic report dated XX/XX/2024, confirmed my car was free of any issues. However, upon its return, I discovered multiple new problems, indicated by eight different error codes. 
- The conflicting information about the safety of driving my car, ranging from being deemed unsafe even in a parking lot to suddenly being cleared for pickup without explanation, is alarming and confusing. The lack of paperwork or explanation regarding these sudden issues is unacceptable.

3. Missing Property and Damage : - Upon retrieval of my vehicle, I noticed missing personal property and the new diagnostic errors. These discrepancies raise serious concerns about the handling of my car during its repossession.

4. Financial and Emotional Strain : - I acknowledge the repossession occurred due to my financial difficulties. However, the damages to my car, the loss of my property, and the inconsistent communication have only exacerbated my situation.

- I am now faced with the dual burden of high monthly payments and additional repair costs for damages incurred during the repossession process. 
- I feel there is a discriminatory element in this process, targeting individuals in challenging financial situations, potentially leading to further financial strain and disadvantage. 

In light of these issues, I request a thorough investigation into the handling of my car 's repossession and an explanation for the damages and missing property. I also seek a resolution for the financial and emotional distress caused by these events. 

Attached are the diagnostic reports from XX/XX/XXXX and post-recovery, highlighting the discrepancies in the car 's condition. 

I look forward to your prompt and constructive response. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted ENHANCED RECOVERY COMPANY multiple times and have sent them a certified letter to try to get information about an item for {$370.00} from XXXX XXXX XXXX   they are trying to collect from me which I have no idea what it is or whom it's about. They submitted information back to the credit reporting agency and said that the item was validated but doesn't explain how it was. I don't know what this account is for nor whom it belongs to as I've had another service for the entire time I've lived at my place and not XXXX XXXX XXXX.
Product: Prepaid card

I bought a {$250.00} US Bank prepaid card from a XXXX XXXX XXXX. I gave it as a gift, and the person I gave it to said it had a XXXX balance. I talked to the store, who told me to call the number on the card, which I did. The person I talked to was nice enough to tell me that a batch of the cards had been compromised before they were sent to the stores. I then called the XXXX XXXX customer assistance line and the number on the back of the card multiple times. Finally I was told that they would send me a replacement card, if my appeal was successful, within 90 days. 

This is totally unacceptable. XXXX XXXX sold a card with no value. US Bank knew it was selling cards with no value. So far I've spent an hour and a half trying to resolve this, and if I'm successful may have my money in 90 days. 

The most galling part? There's no way I can take action against US Bank. I can yell at the customer service person, but this doesn't do anything but make me feel like an XXXX. US Bank has completely insulated themselves from these complaints, which means they have zero incentive to fix these problems. So I'm whining to you, but this is just to make me feel like I've done something to move this rotten system in the right direction.
Product: Debt collection

I contacted XXXX XXXX XXXX while my car was being repossessed. 
The agent verified my address and told me to lookout for certified mail that would be sent. It's been over 6 months and I haven't received anything yet. While checking my report I noticed changes to the account. So I called them back to see what was going on and was told it's too late. So there are a several things wrong. 
There are multiple accounts on my record reporting the debt but with two different addresses. One address is regional acceptance corporation on XXXX XXXX XXXX, the other address shows as XXXX XXXX XXXX  on XXXX XXXX XXXX . 
There is also the verbiage " Skip '' on my report meaning they couldn't locate me, even though my address is current on their website today, this is also the address that they repossessed the car from. Statement was also received at this address. 
The amount being reported on my credit report differs from that on the account. The account says I owe XXXX while my report states XXXX. I am unable to validate which amount is correct due to the failure of XXXX sending state required paperwork. This paper work includes the intent to sale and the deficiency ( post sale ). These items per the attorney general is to be sent certified. I was advise to request these documents, and if not sent, the repossession was illegal and to report my findings and provide the supplies documents back to their office. So I am requesting copies of the certified mail receipts, copies of the sale ( if you sold the vehicle, I dont know ), also the intent to sell. PLEASE UPLOAD ALL DOCUMENTS TO THIS WEBSITE, DO NOT CALL, EMAIL, OR MAIL ME ANYTHING.
Product: Credit card or prepaid card

This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

CAPITAL ONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX our credit card was stolen. We canceled the card with XXXX XXXX XXXX. Card was then reissued. Bill for card did not show up until I called the company and asked where our bill was. I thought with the missing card and the re-issue everything got delayed. They said they had sent the bill out already and I said we never received it. They had sent the bill to our former address that we had not lived at for about 4 years. They corrected the mistake and sent me a new bill to our current address. We paid the bill and never gave it a thought again until this year when we added a new car to our insurance plan. My agent said our rate was increased because of a reduction in our credit score. My insurance company said the problem originated with our credit card company. I contacted the credit card company several times and they were no help and said we can't do anything about it. I then went Trans Union and filed a complaint and they did nothing except send me a report showing my one missed bill with the credit card company that I already knew because they had messed up on the bill. So I have had to pay higher insurance rates as a result. I have never been late in paying my bills and the Trans Union report verifies that fact. I'm very upset at the the system and I have cut up my credit card with XXXX XXXX. I need our help to correct this injustice. Thanks you XXXX XXXX