23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I received a copy of my credit report and i have found the following items listed below to be in error. An account is listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

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

It has come to my attention that you are not restricting files provided with an FTC fraud report. Because it is required by FCRA law 605b, I am sending this letter certified mail to assist establish legal remedies. If you do not ban the items mentioned below that are reporting incorrectly due to identity theft, I will turn over my paperwork to my attorney to initiate legal action. It is my aim not to take legal action, therefore please follow the law. Please delete the following products, which are fraudulent and were opened without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX If you say that these goods are 100 % true and verifiable, I require copies of any paperwork linked with this item that has my signature, as I am aware that none exists. In the absence of such documents carrying my signature, I formally request that this information be removed from the credit file you keep under my Social Security number immediately.
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding a late 30 day payment on my credit report. The company responded saying they were unaware my phone number changed, however my personal phone number did not change. I have had the same phone number for 20 years. They failed to log the correct primary number to contact me. In addition, they failed to attempt to contact the co-owner 's primary contact number so neither one of us were properly notified. I am exceptionally disappointed in this company because they fail to look at my payment history and acknowledge consistent payments for 3 years, which should clearly signal to them that something went wrong for the one payment. If this is not rectified satisfactorily, I will file a lawsuit as the next step. Because of this 30 day late payment, I got a significant credit hit to my credit report, which has created significant problems. The agent on the phone indicated that American Honda Finance has been willing to make changes on other people 's reports, so I feel that this is prejudice against me as a XXXX woman. I would like this issue rectified as soon as possible please. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the inaccurate and misleading reporting of my accounts by XXXX XXXX XXXX XXXX and XXXX. Despite my previous disputes, the following issues remain unresolved : Double Reporting by XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX is reporting this account twice on my credit report, which is a clear violation of my consumer rights and highly misleading. 
Lack of Proper Verification for Disputed Accounts : Accounts : XXXX, XXXX XXXX ( multiple instances ) These accounts were previously disputed and came back as verified. However, I did not receive any method of verification supporting these findings, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Violations of FCRA : FCRA 611 ( a ) ( 1 ) ( A ) : Requires credit reporting agencies to conduct a reasonable investigation of disputed information. The failure to provide a method of verification indicates that a reasonable investigation was not conducted. 
FCRA 611 ( a ) ( 5 ) ( A ) : Mandates the deletion of inaccurate, incomplete, or unverifiable information. The double reporting of my XXXX XXXX account and the unverifiable status of the disputed accounts fall under this provision. 
FCRA 607 ( b ) : Obligates credit reporting agencies to maintain maximum possible accuracy in the information they report. The presence of double reporting and unverifiable accounts suggests a failure to comply with this requirement. 
FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers of information from reporting information they know or have reasonable cause to believe is inaccurate. XXXX XXXX 's double reporting and XXXX 's unverifiable accounts are in direct violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX xxxxxx Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX ONLY ADDRESS SHOULD BE ON MY CREDIT IS THE ADDRESS REPORTING.
Product: Vehicle loan or lease

I had a used auto loan with Capital One Finance that was given to me on XX/XX/XXXX. 
I was never late on the loan nor delinquent, On XX/XX/XXXX the vehicle was totaled by a drunk driver overnight and deemed a total loss. My insurance expedited the payment to the lender along with left over funds from a extended warranty plan to the lender. Upon receiving the lump sum, the lender decided to apply XXXX dollars of the loan towards interest, then the remaining amount towards the principal balance which left me with a balance due on the loan. I agreed to pay the remaining balance with was around {$870.00} dollars until it needed to be paid off no later than XX/XX/XXXX. I was then told that I would be able to get another car loan despite having a balance left although it may or may not be with Capital One Auto Finance. As I applied for loans next month I could not get any offers from other lenders because Capital One was still reporting to the other lenders that I had a collateral out for the whole loan amount of {$27000.00} instead of the remaining balance. When I called to ask the representative, I was told that until the full balance is paid off, capital one has the right to report the original loan amount to the credit bureaus as they see fit! Had I known this I would've just paid the whole balance off completely! It is now XX/XX/XXXX and I have had the account paid in full since XX/XX/XXXX And this lender still hasn't reported nor updated any information since XX/XX/XXXX. I am still unable to get a loan or the anything rolled over to another car loan because of incorrect reporting. I do believe that this lender is being spiteful of my situation because they were suppose to make a lot of money from me but it was not my fault that the vehicle got destroyed. When the Corona Virus hit the country at a full pace and things started to get shut down, I didn't know my future with employment so i took advantage of the hardship that was being offered at the time! I was still able to work and keep my payments going but since I applied for a hardship, capital also reported that when i applied for another auto loan through them and also to other lenders! This is unfair, and as a consumer I will never take another product from Capital One if they are the last bank on earth. This is the worst Ive been treated by any financial institution in my life, and Ive made all my payments on time and never gave Capital One any issues!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trying writing the company to get them to verify if the debt is mine with a sign contract all the company keep responding with is a bill. i already have a bill I need to verify or know what document they have that this is my debt and not someone else 's. 

XXXX XXXX XXXX XXXX XXXX {$340.00} account number XXXX XXXX XXXX XXXX XXXX {$2800.00} account number XXXX XX/XX/2020 XXXX {$730.00} account number XXXX In accordance with the Fair Credit Rreporting act XXXX account XXXX, XXXX, XXXX, has violated my right. 

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

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

In accordance with the fair credit reporting act XXXX accounts as follows # XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX XXXX XXXX XXXX  ) XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX XXXX XXXX ) 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Sections 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Ally financial. No proof was sent to me for verification. Account not verified with my signature or a contract. Outdated and needs to be removed from all 3 credit agencies.
Product: Debt collection

Yesterday evening I received a call from my employer notifying me that there was a wage garnishment order from a law firm by the name of Winn Law Group. The order is requesting more than 25 % of my check, as a single mother during COVID this seems excessively cruel and perplexing. Perplexing because it claims the debt is from an agency by the name of XXXX. I have never heard of XXXX or Winn Law Group in my life, have no idea who they are or why they claim that I owe them {$7000.00}. They have also claimed that I was served with this order, however, I have not lived in the address they have on file for over two years now. I contacted the law group this morning and they claimed that because there was a settlement on the suit and an order made to garnish wages that there was no recourse or opportunity for me to settle the matter. However, again, I have no details for what this debt is for. Need urgent help on the matter.
Product: Debt collection

They keep responding with working on problem to meet your requirements or deadline to respond but simultaneously not removing the fraudulent or law violations off my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/202XXXX XXXX XXXX XXXX- {$470.00} n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate and incorrect information on my credit report, which I have addressed previously without resolution. 

Specifically, I contest the following details : Addresses : I have never lived at XXXX XXXX XXXX XXXX XXXX, PA XXXX Accounts : I do not recognize or have any affiliation with the accounts listed under : Account name XXXX XXXX XXXX Account number XXXX Account name PXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX I have attempted to explain this issue before, but your responses indicated that the information was verified as accurate. However, I can assure you that this information is incorrect, and I have never been associated with these addresses or accounts. 

Please investigate this matter further and remove any inaccurate information from my credit report. I am happy to provide any additional documentation or evidence to support my claims. 

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

On XXXX/XXXX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/><P/>Experian : XXXX XXXX listed as a " Negative '' in XXXX XXXX On XXXX/XXXX/XXXX I contacted Experian. The agency acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XXXX/XXXX/XXXX I contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.
Product: Credit card or prepaid card

I contacted american express around early XXXX about why I did not receive the XXXX skymiles after spending {$2000.00} within 3 months and their telling me I went online and clicked a promotion for XXXX skymiles for {$500.00} purchase which I do not recall. The expiration for the XXXX skymiles was on XX/XX/2019 which i called and clicked online 2 days before expiration. I will forward a copy of that promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting information that I didn't give them written consent to report. The accounts are XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX.
Product: Debt collection

On XX/XX/2023 Kohn Law Firm S.C in XXXX Wisconsin Sent me a letter with the attempt to collect a credit card debt of {$7900.00} and on their letter they state that Failure to comply with their Order may be contempt of court and I would be subject to Imprisonment up to Six months, Forfeiture and punitive actions. Their letter with the threat of Imprisonment is causing me a great deal of anxiety and and XXXX. It has also caused me emotion injury and I am now in constant fear and therefore its reflecting on my duty as a parent with home schooled children.
Product: Debt collection

The debt collector handling my federal student loan, Valentine and Kebartas, LLC, has not notified me about their possession of the loan or the status of the loan. I also believe Valentine and Kebartas, LLC is avoiding my calls and correspondence so that they can continue receiving a tax offset and now garnish my federal stimulus for covid-19 relief. I hope that is not the case.

Valentine and Kebartas, LLC currently has a default status setup on my XXXX federal student loan, has charged over 25 % interest, and recently received my tax refund ( of over {$3400.00} ) in full for an amount greater than my original student loan ( {$3200.00} ). The loan is currently still in default and based on these actions, despite my severe financial hardship during covid-19, it appears that Valentine and Kebartas, LLC is still looking to receive more. 

I have entered severe financial hardships, and was unaware that this loan even existed thinking I had consolidated it with other loans. 

The loan has been through 3 different service providers, and I have not been notified of these changes or of the additional interest that would be charged to my account. I was also not notified that my account was in default. Furthermore, I was not notified that a tax offset was active for this loan. Last, I was not made aware of any options I had to remedy the loan, call, or make payment arrangements. 

I have tried contacting the debt collection agency several times over the last four weeks. 
I sent Valentine and Kebartas, LLC a fax on XX/XX/XXXX and called their number ( XXXX  ) XXXX numerous times with no response. Their telephone number sends me to voicemail, and they do no list an Email address. 

Per federal student loan guidelines I should have been informed of the nature of the loan, the new handling of the loan, options to remedy the loan, and a notice of tax offset, I have not received any of those notices and was taken by complete surprise. Per covid-19 relief efforts, I currently have rights to my full tax refund.
Product: Vehicle loan or lease

The final payment was made on XXXX/XXXX/XXXX for a car that was financed thru XXXX XXXX XXXX. I received confirmation from the automated system that the XXXX payment was accepted. I received not only the confirmation from the automated system, a passtime code was also sent to the vehicle, confirming that XXXX received the final payment. I contacted the company a few days after making my payment to inquire about the release of the title. I was told by the XXXX XXXX XXXX that the she would contact me once the title was at the dealer. On XXXX, I received a call from XXXX XXXX stating that the payment was returned from my bank for nonsufficient funds. I knew this was untrue so I requested a copy of the written statement from the receiving bank detailing why the payment was returned. I have yet to receive the information. I 've been provided with information coming directly from the XXXX system showing they returned the payment but will not provide details as to why. I also know that the funds cleared the bank because the confirmation number was provided. If the payment was not successful, I need to understand why the automated payment system used by XXXX is sending false confirmations of payments to its consumers. XXXX XXXX is forcing me to repay the debt and refuses to honor the terms of the note. The vehicle was XXXX while I was at work. I was unable to travel in my property to my destinations including picking up my family from their daily routines. I would like XXXX XXXX to honor the contractual obligation and release my property or provide me the written statement from the receiving bank detailing why the payment was returned. I have yet to hear from my bank regarding any discrepancies. XXXX is rude and very disrespectful. I had to start recording the conversation with her to get her to act accordingly. I am being forced to pay another {$1000.00} to satisfy XXXX since she did n't accept the payment. XXXX XXXX is acting in dishonor and bad faith by refusing to honor the contract and release my property. This is theft ad coercion. Please help
Product: Mortgage

I've had no money coming in since XX/XX/XXXX so I tried to get a mortgage payment forbearance for 3 months and my mortgage company M & T Bank will only defer me for 3 months and then they want all three payments at once The only way I could defer the three months to the back end of my mortgage is if I could file for a hardship and all the paperwork they need for that hardship most I can't get to because everything is shut down due to covid-19 so my hands are pretty much tied
Product: Credit card or prepaid card

Im struggling to pay my credit card balance as I do not get paid the same amount as I did before the pandemic. Citi Bank spams my phone with calls 4-6 times a day everyday and it comes up in my phone as spam. Ive also had a issue with citi back taking over a thousand dollars out of my account during XXXX because it was an end of a promotion and they charged my card interest for two years and when I went to call to resolve issue I had to wait over a month and a week to get my money back. When I initially called they said that they put me on a Expedited List and I would have my money back in 5 days but it took over a month. When I couldnt wait anymore I called my bank to file a dispute and my bank gave my money back the same day and the next day Best Buy citi bank issued my refund ... what a coincidence. Then I had to refund them the payment they sent me immediately. They made it extremely hard for me to get my money back and now I cant make payments to citi bank with my bank because I filed a dispute with this account.
Product: Credit card

I purchased a hot water heater from Home Depot. At the time of purchase, it was a special promotional offer, no interest if the balance on the item was paid off within a specific time. I made a payment on my regular balance, and wrote a separate check to be applied to the promotional balance only. They did not apply the second check to any of the promotional balance. I have called them twice, requesting that they do so, and they have told me yes, they would change it, but they have not. On the most recent call I made, I was told the change would show up on my next statement, which would put it past the promotional offer payoff limit, and they would then charge me back interest. This is unacceptable, and should be illegal.
Product: Debt collection

I asked this company to stop contacting me due to this debt not being mine. This debt is apart of identity theft. The name on this debt is not even mine.
Product: Debt collection

I opened a joint auto account XX/XX/XXXX leased under Consumer Portfolio Services. I was not aware that payments were being missed or paid late. The car was then repossessed In XX/XX/XXXX. There is a balance of {$12000.00} on my account. The company has been repeatedly harassing and calling my father and threatening to sue me and take me to jail. Prior to this knowledge of my father being harassed I have enrolled into a debt management plan to clear up the balance. I am both disgusted and angry that they take advantage of people in this way
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App ( Block , Inc ) due to the inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and 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 the error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a notification from the credit bureau that there was a delinquency on my report from Transworld Systems Inc in the amount of {$51.00} with no associated date. I received NO communication from this company about any alleged debt. After investigation, I discovered that the alleged debt was to be collected for XXXX. I spent about an hour on the phone with XXXX and was assured that my account was in good standing and they had no knowledge of any debt or debt collectors associated with my name or my account.