23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  and other XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the XXXX 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.
Product: Student loan

The U.S. Government allowed a XXXX XXXX XXXX  access to my private and protected information. This has nothing to do with the lender, and u have paid my bills on time for nearly the last two decades. Violating my privacy is an infringement on my right, and is in conflict to what I originally signed for. Because of the U.S. Governments erroneous actions, I should not be held accountable for doing the right thing when they continually do the wrong thing without consequences. Forgiveness of this loan would be the consequence of their actions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Error : In reviewing the two-year payment history provided by Experian, late payments are inaccurately noted for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. However : Payment records confirm that the payments were made within the appropriate grace period. 
No delinquency notices were issued for the periods in question. 
The reported late payments violate 15 U.S.C. 1681i, which requires credit reporting agencies to ensure maximum possible accuracy of information in consumer files. 
As stipulated by 15 U.S.C. 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The failure to correct this error suggests non-compliance with these legal requirements. 
Legal Violations : FCRA : 15 U.S.C. 1681i mandates that credit bureaus investigate disputes thoroughly and correct inaccuracies. The persistence of these errors demonstrates a failure to fulfill this obligation. 
TILA : The inaccurate reporting undermines the Truth in Lending Acts aim to ensure fair and accurate disclosures to consumers.

PAANL : The Protection Against Non-Payment of Obligations Act further reinforces the necessity of providing accurate and timely statements to avoid penalties to consumers, which was not adhered to in this case. 
Desired Resolution : I am requesting the following corrective actions : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the correction from Experian. 
Verification of the updated report to ensure the information reflects my actual payment history accurately.

If this issue is not resolved promptly, I will escalate my complaint to include filing additional complaints with the CFPB and other relevant agencies, and I may explore legal remedies to address the harm caused by these errors. 
Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and provide a timeline for resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, I have a right to privacy.. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation. Please see the attached dispute Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( XXXX ) Passport Card ( Identification )
Product: Credit reporting or other personal consumer reports

Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

since 2005 I opened my checking account and my saving account with bank of America i am still using these accounts until now and I never received any rewards from them,
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$1100.00} with LVNV FUNDING LLC Account number : XXXX I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Mortgage

Our XX/XX/XXXX payment was sent electronically by our bank as always BEFORE the first of each month since XXXX when we purchased this home in Nevada. A month later It STILL AS NEVER POSTED TO OUR ACCOUNT AND we received a late notice about this payment. We had to make an additional XX/XX/XXXX payment so we wouldn't be charged a late fee and to keep this information from posting to our excellent credit rating. Our mortgage has changed hands three times starting with XXXX, LoanCare, and now with XXXX. We are so frustrated with this company and can not get anyone to credit our payment. ADDITIONALLY we want our interest adjusted accordingly since the payment was sent AND received by XXXX XX/XX/XXXX. The amount of time we have spent on fixing THEIR PROBLEM has been unbelievable waiting on hold to speak with someone ONLY TO BE TRANSFERRED to another department and put on hold a second time!! 
Customers should have a say who they want to take over their home loans NOT THESE SHODDY so-called mortgage companies.
Product: Vehicle loan or lease

Date XX/XX/2022 I took out a auto loan with Bridge crest formerly for only 25 month term I am writing you to request an investigation of the following information that appears on my credit report. 

Dispute 1 Explanation of the item being disputed. the auto loan was only supposed to be for 24 months. And is now updated on my credit report showing a 72 month term. And this account is now showing as a closed account. 


Enclosures : I am requesting documents stating that my lease was renewed with your company. For a 72 month term. If you can not provide me with legal proof of my authorization, then I am demanding you contact the XXXX, XXXX AND request them to remove this immediately. Your failure to comply with my request within 30 business days will be evidence of your willful compliance Fcra 616, 15 USC THANK YOU FOR YOUR attention to this matter. 

Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called and requested a refund for a XXXX transaction on XX/XX/XXXX the representative provided a name XXXX XXXX and asked for an order number for the transaction placed on XX/XX/XXXX. XXXX representative addressed himself as XXXX XXXX placed me on a brief hold to look into my account information and stated seller XXXX XXXX  had attempted to breach my account using my Visa linked to my XXXX account card and advised me that a XXXX party application XXXX had noted a login with my XXXX accounts. I became suspicious of the information and began seeing allow notifications on my XXXX device for CashApp and settings notifications. The caller provided and reference and callback number and stated the Seller had transfers to purchase Bitcoin and some notifications had been disabled. Upon checking my account information. I noticed my checking account balance was low and the recent deposits I received were withdrawn. The transaction details noted transfers to myself on the CashApp were Bitcoin was purchased and transferred to an unknown source. CashApp was contacted via Support and a case was created and closed. No further information was available. Also my banking institution was contacted and refused to process a fraud dispute stating I had given authorization for my Visa card to be used as cash. I disagreed and stated I was a victim of fraud and I did not authorize and retailer to use my linked Visa Card to deposit funds to purchase Bitcoin. I have never attempted to purchase Bitcoin and never invested using cryptocurrency prior. I stated I would never invest in something I had no prior skill or knowledge resulting in my account being over drafted on a fixed income receiving SSI and Medicare funds.
Product: Debt collection

Account Number : # XXXX Date : XX/XX/2019 I sent out a letter to The bureau of Equifax stating this collection debt is inaccurate & a result of identity theft, they also dont provide the name of the creditor. I would like for this debt to removed from my credit profile asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. 

XXXX XXXX XXXX Account ID : XXXX The account is invalid and unverifiable. I demand that it be deleted from my credit report. 
If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit Reporting Act. Obviously, this incorrect account information can not be verified so therefore is absolutely must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain financing.I already was denied by applying for a lease .That happened 3 times in a last 60 days already and I am financially hurt.
Product: Credit reporting

I have not received a resolution.. I have been in contact with CMRE Financial ( XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This company placed information for my ex husband of 16 years on my credit report. I was told I had to provide divorce papers to have this taken care. The Notice of Entry of Judgement was emailed to them on XXXX/XXXX/16. I have been in contact with them numerous times and this still appears on my credit report. I did not received a letter stating they were taking it off, as they stated I would. Upon calling I was told it was mailed. I have now received a bill from them in my ex-husbands name at my adddress! They changed his address to mine. Now the CMRE states I MUST give them my SS # in order to get the letter sent to me. It was never mailed out. They do not need my SS # according to my attorney. They did not need my SS # in order to put this on my credit report. I want this removed from my credit report from all three reporting agencies immediately and I want the bill changed back to his address. I am getting no where with them and then when you become upset, they just disconnect you. I have called them six times and can not get a straight answer. A supervisor will not get on the phone and will not return the call. I do not know where else to turn short of taking them to court. I do not understand how they can just put something on my credit report, they did not ask for proof of marriage when they did. I have been re-married for almost 12 years now. My name is even different on my credit report. It should not be this hard to have incorrect information removed. I have filed disputes with the XXXX major companies as well. However it seems that I am doing all the work and getting no where. It was not my mistake and it should definately not be this difficult to fix it. I have no way to upload documents but I can email them to you upon request. I would appreciate any help you can provide.
Product: Credit card or prepaid card

I have a target credit card. On XX/XX/XXXX, I called Target and paid the balance in full over the phone. They returned the money, and I was not made aware of this. On the phone they accepted my full payment of {$240.00} I wasn't mailed information on this until the XXXX of XXXX, at which time my credit report had already been reported as late and my credit score dropped over XXXX points. I found this out when I went to Apply for a mortgage in early XXXX, then I was told my credit score which was once in the 740 's was now XXXX. I was mortified. I called Target card and found out what was wrong and paid my account in full. This is not fair, and it is costing me a lot of money by having to now obtain an FHA loan. You can see from my credit that I have perfect credit history. The way that target handled this had disparate impact on my family. I would like this negative reporting removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing this report due to a critical concern regarding my XXXX score. This is the fourth time I am submitting a complaint in regard to the same situation that has happened multiple times over the past year ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XX/XX/XXXX, my credit score through Transunion was XXXX. The score factors indicated that I have no missed payments, I have limited the use of my available revolving credit, I have an established credit history, and I have shown recent use of credit cards and/or bank issued open-ended accounts ( see attachment ). On XX/XX/XXXX, my credit score indicated a decrease to XXXX. No factors were given for the drop. The only activity indicated for the period was " The total balance on all you XXXX account ( XXXX ) has decreased by {$41.00}. '' My credit report has no negative accounts or information. How can my score decrease when there was no negative activity ( reported or otherwise ) whatsoever within 8 days? I have no inactive accounts reported to any of the credit bureaus. I also have only XXXX credit cards reported and a mortgage, none of which are in delinquency or late. I have contacted the credit bureaus multiple times in the past to inquire why my credit score has gone down without any reason. Not a single customer service representative at any of the credit bureaus I contacted have provided an explanation. Over a 25-year span of building my immaculate credit, this significant drop is catastrophic and is a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.
Product: Debt collection

My contract for my vehicle states I have a 15 day grace period. I have NEVER been 30 days past due on any car loan ever. Nissan called me repeatedly on day 6 and day 7 in an attempt to collect a debt. Nissan has never contacted me before the 15 day period has elapsed, why are they calling? It appears they are trying to change the terms of the contract.

Nissan and NMAC are the worst companies to deal with. Nissan dealer damaged my vehicle and did not inform me. I had to make two additional trips to get the damage they caused repaired. Nissan offered two oil changes in compensation for my inconvenience. I complained about Nissan to the State and I believe these calls are in retaliation for filing a complaint.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX Account Number : XXXX XXXX
Product: Vehicle loan or lease

I had a voluntary repossession with Credit Acceptance in XXXX or XXXX of 2018 because the vehicle was having issues and was not worth what I was paying for it. Since then there has been ZERO contact. They never notified me of the sell of the vehicle or proceeds that were gathered from that. It wasn't until I logged into the account that the amount of {$6000.00} was deducted from the account. The original cost of the loan was {$16000.00}, so that made the balance around {$12000.00}. However, since this there have been fees being attached to this loan over and over again. The amount over 5 years is up to over $ 19k. 

They have not contacted me to collect the balance and tell me my disputes a " frivolous '' so they will not be investigating. I also believed I was incorrectly charged and deceived by dealer finance charges in the amount of $ 11k. They also never corrected my name on the account as it was spelled wrong.
Product: Payday loan, title loan, or personal loan

In XXXX I took out a payday loan due to financial hardships. I tried to pay the loan off and they charged me a {$29.00} fee multiple times a month adding to the hardship along with my normal payment deduction from my bank account. In order to minimize the negative balance in my bank account I closed it out. When I was financially stable I paid off the loan which at that point it went into collections. I reached a settlement and paid the balance due to satisfy the original loan. Every year after that I would get a collections call saying that I still owed money on the loan over {$2400.00} with compounded interest. I paid the amount due several times over and still was being alleged that money was due. In XXXX, I paid a final settlement that finally gave me a paid receipt of payment in full. Since then I have turned in proof of payment to the collections companies that continued to reach out to me every six months or so. At that point I started received calls from Cash Call 's attorneys threatening litigation unless I paid the balance owed. I sent the payment receipt I had previously and calls still continue with a different agency or law firm saying I still owe money or they will start legal proceedings to collect. This now happens every couple of months. When I speak with the collectors they refuse to provide any kind of debt verification of what is owed. I have been trying to resolve this myself of the past few years and am getting no resolution. I have contacted Cash Call several times each time getting different information. Once they said the loan was sold in XXXX and again in XXXX. I was also told that the funding came from XXXX XXXX and has been " XXXX  '' out to lawsuits and therefore did not owe anything on the original loan. I think the loan is being sold to other companies to extort more money from me and the at this time the constant calls are harassing in nature. The collection calls are saying the money owed is to Cash Call not XXXX XXXX which was different than what I was told from Cash Call after directly reaching out them. I want resolution and the constant threats and harassment to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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 XXXX XXXX XXXX agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXXXXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

Collection account from Unknown with account # XXXX and a balance of {$730.00}. The original creditor is XXXX XXXX. 

XXXX with account # XXXX and a balance of {$170.00}. The original creditor is XXXX XXXX XXXX. I paid off this account but its still showing that I owe a balance. 

XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 

XXXX XXXX company with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 

XXXX XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Collection account from XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX