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

Dear XXXX XXXX XXXX XXXX  ; I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Vehicle loan or lease

In XX/XX/XXXX I returned a car that I leased from XXXX XXXX in XX/XX/XXXX to lease from a different car manufacturer and was under the impression I owed nothing else. Prior to leasing my new vehicle, I called Kia Motors Finance to get the remaining balance due on my car so the dealership could pay off the active amount due. I was given the amount of {$1000.00} and that amount was paid by XXXX XXXX XXXX and from there assumed the car was paid off in full. 
Seven months later, XXXX XXXX, I received a letter in the mail from KIA stating that I am being put into collections due to a balance that is owed on the car. I called the customer service line at Kia   Motors Finance and asked for a brief explanation on the balance and was told that it was due to the lease end balance that was owed on the vehicle, items like wear and tear etc. Kia states they mailed a bill to me in XX/XX/XXXX, however that bill was never received and I lived my life thinking nothing was due. Also, upon speaking with the representative at Kia, I was informed that they only submit a Bill once to the consumer and if there is no response to it Kia does not submit any other letters or phone calls asking for payment. I paid the amount due from Kia after I requested to have the bill sent to me to review. They did send it but with this being the first time I saw it the damage was already done on my credit report. 
I paid the balance to prevent myself from being sent to collections ; however my account with Kia Motors Finance remains sitting on my credit report as greater than 90 days late and will remain until XXXX per my free credit report paperwork. Since I never received the initial letter I am asking to have my credit report be back dated to when Kia claims they mailed the initial letter in XX/XX/XXXX. I have never missed a car payment with Kia and my credit report supports that. This situation is most likely due to an error/issue with the lease end and I would hope that my positive credit report with Kia could help support my claim. 
I contacted the attorney general regarding this issue after filing multiple credit report appeals with XXXX  with no budge from Kia Motors Finance. They opened up a case file for me in XX/XX/XXXX and have been working diligently to help correct my credit report. Kia motors finance will not budge and as recent as XX/XX/XXXX they claim that my dispute with them is " inaccurate ''. I firmly believe that I was never late on any payments as I would have called and paid the claim as soon as I would have received the bill. The attorney general from XXXX, NY states that they can no longer assist me with mediation on this issue and suggested that I filed a complaint through the Consumer Financial Protection Bureau. 
This false report is hindering me from obtaining approval for a new financial lease for a car and has left me with many sleepless nights. I appreciate any help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX  os a high interest credit card company that hires employess that are not mandetory script to answer correctly to your questions. I spoke to a rep about my accoint being late. They told me that my accou t information was incorrect thats why I was charged a late charge. They said they would fix it and I would be set up for automatic payments. THIS DID NOT HAPPEN I TRIED TO CALL AND NO ANSWER AND I GO ONLINE THERES NO WAY TO SETUP AUTO MATIC PAYMENTS. THE REP LIED OR JUST WASNT LISTENING THEY AGREED TO SET ME UP FOR AUTOMATIC PAYMNETS AND DID NOT. THEY ARE UNPROFESSIONAL THEY RUINED MY CREDIT I NEED THIS UPDATED. ALSO I HAVE LATES XXXXXXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX BANK XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was out of the countries for 14 months while I was gone my chase freedom card along with 2 other cards were being used In Florida when I was in the XXXX XXXX. I came home to letters from chase and saying I owe almost 11k I didnt even use my card I filed many complaints with including letters and fraud no one has done nothing
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 Account Name : XXXX Account XXXX Account Name : XX/XX/XXXXXXXX Account XXXX Account Name : XXXX XXXX FIN Account XXXX Account Name : XXXXXX/XX/XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 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 went to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  in late XX/XX/XXXX and traded in a XXXX XXXX XXXX which was financed by Ally Auto Financing. All paperwork was signed and I thought everything was fine. I got a call on the last week of XX/XX/XXXX by the finance manager at the dealership telling me they screwed up the paperwork and I needed to come re-sign. I did this and then realized because of their paperwork screw up, they had not released the payoff amount for the XXXX truck to Ally Auto. When I check my credit report on XX/XX/XXXX, the installment loan through Ally had been reported 30 days past due because they did not receive the payoff in XXXX. 
I notified the dealership and finance manager. The finance manager said he would check into it. He never returned my call and was always " out of the office '' when I called back. 

After this happened, my credit score dropped over XXXX points. And it is still negatively affecting my credit rating.
Product: Mortgage

To : Consumer Financial Protection Bureau From : An Illinois Homeowner, a XXXX citizen and a Veteran Date : XXXX XXXX, XXXX RE : Wells Fargo Home Mortgage We have been battling with Wells Fargo Home Mortgage since XXXX, XXXX, when they violated RESPA laws by increasing our escrow requirement by more the lawful amount, thereby increasing our mortgage by {$800.00}. 
Though Wells Fargo has made settlements with various government housing agencies, they are still violating laws and rights of some homeowners. Although they are the servicer for our XXXX XXXX owned mortgage, we have not had the benefit of having a loan modification properly evaluated, nor have we ever received an explanation for denial of the two application we submitted. Though XXXX XXXX made changes to some of their requirements for servicers last year, we still have not had the benefit of Wells Fargo 's compliance. 
We filed Chapter XXXX Bankruptcy in XXXX of XXXX which was discharged earlier this month. We submitted the HAMP application on XXXX XXXX, XXXX, and per instruction received from Wells Fargo on XXXX XXXX, we began the work of submitting the Uniform Borrower 's Assistance Form, along with required attachments. We were told we would receive an answer in XXXX hours after all documents were received, however there was no date by which we must have everything in. All items were submitted on XXXX XXXX, however it was n't until we called Wells Fargo on XXXX XXXX, XXXX, that we learned the documents would not be processed because of a pending sale date. This sale date of XXXX XXXX was in placed on XXXX XXXX when we received the first call about receipt of documents submitted XXXX XXXX. 
XXXX XXXX requires our documents be processed because of the Chapter XXXX Bankruptcy we filed. We understand the servicer is not required to solicit an application from us, but are required to process the application once we submit it. Once again, they are refusing to abide by regulations. Since our Chapter XXXX has been discharged, our financial situation is much improved, and we are able afford our mortgage payment. 
It is our hope that you will forward this correspondence to all related agencies that have an interest in seeing that mortgage servicers are in compliance with the law, and in a position to hold Wells Fargo and other like services accountable. 
With appreciation,
Product: Mortgage

Acct # XXXX Ditech mortgage. I mailed my payment XXXX/XXXX/15 to address that is on my payment coupon Ditech XXXX. XXXX XXXX XXXX, California. XXXX. I received letter from them on XXXX/XXXX/15 stating they had not received my payment. Call Ditech XXXX/XXXX/15 to get automated service according to them check received XXXX/XXXX/15. I also checked bank account that check # XXXX was cashed in XXXX/XXXX/15. Called XXXX/XXXX/15 was told by XXXX said she was located in XXXX that payment was not posted until after XXXX/XXXX/15 that is why I received letter. I called back XXXX/XXXX/15 hoping for a better explanation. To get same answer sorry your payment was not posted before XXXX/XXXX/15. I am not satisfied with either answer. How can there automated service say they received it and my bank so it was cashed 8 days before they mailed letter. All numbers from Ditech all go to costumer service so there is no one else to speak with. This company use to be Green Tree and only changed names a few months ago. I am in California and they are in XXXX XXXX, SD. They used my money for 8 days before it was posted? I can not do computer payment! No personal computer use of neighbors when she is home. Thank you XXXX XXXX. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Someone applied for a credit card using my info on XX/XX/year>. Now equifax is reporting the hard inquiry which i would like to have removed. The credit card is from XXXX XXXX XXXX. XXXX and XXXX XXXXXXXX is aware of the situation
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what
is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been made aware on multiple occasions that XXXX is in A 34 multi state litigation. Attorney Generals have stated that XXXX has been found negligent and is required to delete derogatory information, waive any loan balance on accounts dating XXXX to XXXX. If loan was charged off within 1 year. 
Multi state settlement acknowledges that XXXX practices were deemed predatory and included deceptive dealer involvement. XXXX is in direct violation of 15 USC1681e and I have made Equifax aware of this. It is public record as well, I am suffering emotional distress, humiliation and suffering Monetary loss from this XXXX account and Equifax continuing to report knowing the litigation that XXXX is in.
Product: Credit reporting, credit repair services, 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 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  However, they stated everything was complete and accurate, but how is this possible if the open date, date of last activity, and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate I am requesting XXXX XXXX and Equifax remove this accounts from my credit report due to inaccuracies and falsely claiming this information is correct
Product: Debt collection

My sole source of income is Social Security XXXX. I have a checking account and a savings account which had approximately {$800.00} in it. Lloyd & McDaniel, LLC of XXXX, KY garnished my savings account, taking more than half of it to collect on a debt that they 'd already attached to my condominium as a lien. 
My fear is that they will try and attach garnishment to my XXXX income even though I believe they are not allowed to by law. I need to make sure they ca n't take anymore of my income from me. I told them when they contacted me that I could not make payments on the debt at this time and that I planned to sell my property this year, thus allowing them to collect what I owed. But this was n't satisfactory for them. 
I have read numerous other complaints about this debt collectors practices. I live on a limited budget and while I realize I owe a debt I ca n't have what little money I have just grabbed from my bank account. This hurt me very badly financially and I do n't believe it should be a lawful practice. Also my own bank attached a high fee to the garnishment transaction adding even more distress to the situation. 
I contacted Lloyd & McDaniel several years ago about this debt and they were nasty and rude to me and gave me no credence as far my explanation for my financial situation. They act as sharks toward people without ability to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I getting the run around about correcting a ongoing balance. XXXX  XXXX blames it transunion and transunion blames it on XXXX  XXXX. It is holding me up from buying my home. Loan officer wont let me go further
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not approve my credit pulled from the companies below I didn't authorize and I need them deleted immediately XXXX XXXX Inquiry date XX/XX/20XXXX XXXX XXXX Inquiry date XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/2XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Carvana on numerous occasions because someone was using my identity to apply for a vehicle with my lost ID, SSN card, and email address. My email was hacked and my identity was sold in 2018. I filed a police report and still have been dealing with some fraudulent activities so I have updated my police report since then. I then. I tried to apply for a car last year but was declined due to fraud. I contacted the company and sent a police report but nothing has been done to rectify the issue.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2023, I purchased 4 items from XXXX XXXX and financed by Affirm, of which 2 were returned. XXXX XXXX has not been cooperative with regard to my request for a refund of the returned items, and Affirm the finance company also refuses to resolve this. I have attempted numerous times to resolve this with Affirm, which only enticed me to open a case with them and file a dispute, however, only to learn that a week or 2 later that the very case I reported or charges I have disputed is closed without further clarification. 
I have asked that my call be transferred to a US branch but I am told that they can not provide a number based in the US. I need help obtaining my refund of {$940.00}. Affirm, that the finance company is charging me interest at a rate of 29.99 % for a loan to a product I have returned.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing at reasonable rates. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you