23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a shared debt with my ex to XXXX XXXX XXXX XXXX XXXX. that was escalated to a debt collector ( Love Beal & Nixon ) in XXXX. 

First of all, I tried refinancing with XXXX XXXX XXXX and told them that if they couldn't refinance with me I wouldn't be able to make my payments, as my ex ( the co-owner on the car ) backed out of his share on payments when we broke up. They would not even consider it. So I had to voluntarily surrender my car. 

Secondly, I was never served ( I never received a summons! ), yet somehow I ended up sued. Apparently the summons went to my ex 's address and I didn't know about it until my ex told me what happened after the fact. Nevertheless, I made a payment arrangement with Love Beal & Nixon, the debt collector. 

I had been making automatic monthly payments of {$50.00} to Love Beal & Nixon since then ( XX/XX/XXXX ) until XX/XX/XXXX, when I changed banks and forgot to update my payment method with Love Beal & Nixon, and my payments to them stopped. The last payment was on XX/XX/XXXX. 

Nobody ever contacted me in any way to try and collect the debt again, but my boss got a letter in the mail yesterday ( XX/XX/XXXX ), stamp dated XX/XX/XXXX, from the state to garnish my wages. 

I called Love Beal & Nixon this morning at XXXX XXXX and asked if I could continue making my payments and they told me no, it was too late. Then the lady I was speaking with told me the state already took over {$500.00} out of my check on XX/XX/XXXX, which isn't true. I got paid my regular amounts on the XXXX and the XXXX, and I verified with my boss that nothing has been garnished. She flat out lied to me, giving me false information that wouldn't even be Love Beal & Nixon 's concern anymore. 

I also have call recording on my phone, but somehow they blocked recording, which makes them even more shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this  service. 
2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this  violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

Several calls before XXXX XXXX. When I asked for more information about the debt they hang up the phone and I can't get answers. They continue to call before XXXX XXXX  from different numbers so I can't block the phone numbers. 

I am XXXX  with medical insurance and I have never been in an ambulance. This medical debt for ambulance services are charges I never authorized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX  company is getting away from. Reporting inaccurate FRAUD Government. By reporting inaccurate. Whenever this company responds incorrectly due to these going disputes. Last over 120 days Which has effect my credit rating notice scores .DROPPING.. the credit reporting hasn't reported correctly for quite sometime. .whenever they respond incorrectly. The credit bureau records. Decisions decreed reporting. DONT. Change. I'm bein. Denial for All CREDIT LINES Purchases. This account PAID OFF. When go out and apply for lines credit Been told been turned down not just has it has. affected my scoresit effects INQUIRYS. 25 months HARD credit. Credit bureaus. Try. Having these. Disputes. I DONE 1OX. I HAVE. PROVIDED All NECESSARY DOCUMENTS. BILL.S ALSO THE ORIGINAL OWNER for this AUTO. XXXX XXXX. WHOM. HAS NOTICED HIS account AlSO Recently ( CHANGED ) DECREASE FROM. this. inaccurate. REPORTING from this company l tried using his account fas. EVIDENCE used on an ongoing Dispute Creditt bureau companies. .Whom made changes on his. Account. Without. Give him Proper. Warning. NOTICE changes occurred past this. ( XXXX ) XXXX  CHANGED decision .DECREASING HIS. REPORTING RECORDS FROM THIS company XXXX XXXX Everyone is. Speaking about credit bureaus inaccurately. Report grading. Wonders.is this.technique stunt is bein used. by preventing people for applying for ANY LINE CREDIT. XXXX XXXX account been turned over to ATTORNEY GENERAL .formal worker, veteran bein. denied for Credit Document. PROVIDED SHOWING ACCOUNT. PAID OFF. SOONER. AGREED.UPON. THE. BILL HISTORY Attacks belo NO late payments Mades. All on times. NOTICE.CREDIT BUREAU REFUSED changed anything that needs reporting also notice. Are Grades DECREASED .PREVENTED ME FROM, REACH NESS goals life. SCORE NEEDS PURCHASE HOME NOR RENT. I letter payin XXXX other SELF Reporting DEVICES STILL CAN NOT REACH.SCORES FICO. SCORES NEEDED HIRED CREDITS. SPECIALIST. WHOSE NOTiCE. CREDIT BUEAUS. ASWELL WHOMS. Seems be HELPING. XXXX XXXX  l company 's. Fraud Government with helping of credit bureaus
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a drop in my Equifax credit score. I investigated at XXXX and learned that XXXX made a hard inquiry on XXXX of this year ( 2017 ). I authorized service about a year ago with XXXX but never since. I disputed the hard inquiry with Equifax and they sent me an e-message saying the investigation was complete on XX/XX/XXXX. The inquiry was said to in line with the Fair Credit Reporting Act. Well, I knew I did n't authorize this inquiry so when I found time I tried to appeal. I can not access the investigation report because of an " Internal Server Error '' so I called them and looked for an appeal. I want to know what type of investigation Equifax does when consumers dispute something. If they just asked XXXX if the inquiry is authorized and they simply reply that is, why should anyone waste their precious time?! Nobody on the phone could do anything but read scripts. I ca n't see how any legitimate attempt was done to honor my dispute.
Product: Credit card or prepaid card

Over the summer I took off my authorized users on my overstock account. My account is open but the bank closed my card. I have been in contact many times with the credit card company and was told it will be fixed hopefully before the holiday sales start.. last week after months of calling and sending messages on their site to try and fix this issue. I am receiving multiple letters saying that they can not reissue a new credit card die to my account status. Then was told to close my account and reapply for a new card. I had this overstock card for over 2 years starting with a {$250.00} limit and now up to {$1000.00}. Please help me get my card in working order again. I don't want to lose the credit history I built with this card.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified or deleted : XXXX XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX, and a charge-off for {$5600.00} with a {$7100.00} past due balance. Please verify the payment history and charge-off status. XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX, and a charge-off of {$7600.00} with a {$7600.00} past due balance. Please verify the payment history and charge-off status. XXXX XXXX  ( Account # XXXX ) Late payments reported in XXXX XXXX, and a Charge-off of {$8000.00} with a balance of {$8000.00} past due. Please verify the accuracy of this information. XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX  and a Charge off of {$3700.00}. Please confirm the accuracy of the collection status and details. XXXX  XXXX ( Account # XXXX  ) Late payments reported in XXXX XXXX, and a Charge-off of {$3200.00} with a balance of {$3200.00} past due. Please verify the accuracy of this information. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the XXXX timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has failed to remove inquiries from my consumers credit report. Transunion did not / do not have permissible purpose. I did not give Trans Union my written permission to report anything to my consumers credit report. 
Ive been reaching out to Trans Union via mail/ certified letter with a return receipt to ensure that Trans Union is receiving my demands. As a consumer and according to the USC LAWS, I have a right to privacy. Trans Union has completely ignored the law. Trans Union has also violated their own rules. As a consumer, I am the only one who dictates what goes on my consumer credit report. Trans Union is also committing aggravated identity theft! Trans Union goes through a third party and take information from that third party and report it to my consumers credit report.
Product: Student loan

XXXX XXXX XXXX reached out to me on XXXX XXXX, 2017 about the Student Loan Forgiveness program. They informed me that I qualified for student loan forgiveness and all I needed to do is pay XXXX a month for three years. I was advised that their company would take care of my student loan and that I did not have to pay anyone else. I thought they were a credible company because they claim to have affiliations with the Department of Education. Also, I was informed that I was enrolled in a income based repayment plan, which I was referred to enrolled in that program by my current lender, XXXX XXXX. Mistakenly, I thought XXXX XXXX XXXX was related to my current lender XXXX XXXX and that 's is not the case. XXXX XXXX XXXX misrepresented their selves and did not disclosed that their finance company is Equitable Acceptance. Equitable Acceptance is currently showing a inquiry on my credit report even though my consolidation application is processing along with a cancellation request. XXXX XXXX XXXX is using their finance company Equitable Acceptance to charging for services for preparing the documentation to consolidate a loan rather than help pay the loan off as they advertised.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




BEST BUY/CBNA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Due to the COVID-19 crisis, my employer cut my income by 25 % starting in XX/XX/2020. I placed my mortgage in forebearance as allowed on under the law. My full pay was restored in XX/XX/2020. Since that time, I have made {$11000.00} in catch up payments and currently am not in default for my XX/XX/2020 payment. Despite this fact, LoanCare, XXXX  XXXX  XXXX, falsely reported on XX/XX/2020 to the the credit bureaus that I am delinquent. I called on XX/XX/2020 and explained that the reporting is a mistake. I spoke with XXXX ( ID XXXX ) and she spoke with her manager, XXXX XXXX ID XXXX XXXX who stated that they are placing the report to the credit bureaus under review but that there was nothing that they could do otherwise. The review takes thirty days. The problem is that I am scheduled to close on a refinance on my home by the end of XXXX. I would be grateful if the CFPB could remove this false delinquency from my credit report. I obtained a permitted forebearance under the law and made good faith payments to catch up the mortgage and am a victim of false credit reporting.
Product: Checking or savings account

On XXXX/XXXX/19, I submitted an application to open a savings account following an online targeted ad. The website instructed me to call to customer service. Customer agent XXXX instructed me to send a copy of my drivers license to the banks email address ( unsecured ) to complete verification. I followed up on XXXX/XXXX/19 : representative XXXX escalated my case to supervisors XXXX and XXXX who promised to come up with the decision by XXXX/XXXX/19. On XXXX/XXXX/19, representative XXXX informed me that XXXX made a decision not to process my application because their internal system was unable to generate questions to verify my identity. XXXX refused to use alternative methods of verification ( statements from other banks, text messages on registered phone, copies of other forms of ID or credit cards ). Vio bank refused to send me an official letter explaining the reasons for denial. 1 ) The banks actions violate my FCRA rights. 2 ) Their verification protocol has disparate impact ( based on race and national origin ). The bank refused to open my account as a result of this discriminatory protocol, thus violating my civil rights. 3 ) The bank exposed me to increased risk of identity theft by forcing me to send them a copy of my DL through unsecured channels, even though they knew or should have known that my DL would not have affected their decision. 4 ) Representative XXXX refused to transfer me to their legal team stating that only litigants represented by accredited attorneys have that privilege.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am trying to get a XXXX XXXX. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please remove.
Product: Debt collection

My niece was a patient at XXXX XXXX XXXX  in XXXX, ms Where she is a minor I was told to show my ID and insurance card, after they refuse to treat her. And eventually she was treated as me being a responsible adult. I called her insurance to straighten out the debt, I was told that everything was taking care of now I have a collection agent on my credit record for a hospital bill As XXXX XXXX XXXX
Product: Vehicle loan or lease

I lost my job at the start of the pandemic in XXXX. I explained this ( repeatedly ) to Ford Credit that I wasnt able to make payments until I either was called back in to work or started receiving unemployment. Once I started getting unemployment I made my {$380.00} monthly payments for my car. My unemployment ran out earlier this year and I have still not been hired yet. I was unable to work during XXXX XXXX because 3 of my immediate family members contracted XXXX and I also had to homeschool my youngest son. I was and am still looking for work but havent been successful yet and have explained this to Ford. They also havent given me credit for payments I made over the summer that I emailed them proof of. Them calling me every day and leaving countless voicemails isnt going to help me get hired any faster. The harassment and threats need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX DE XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

Numerous requests to provide proof of debt has gone unanswered. This debt is a result of fraud and I have request CCS Collection to remove to no avail. The agency refuse to response to inquiry or assist with clearing up the issue.
Product: Debt collection

I keep getting calls with the following message. I have no debts whatsoever, nor do I owe anyone. This is a scam and they need to stop calling. I have all calls saved on my phone to show how many times they are harassing me. 

" <my name> in accordance with state and federal regulations you are hereby being notified of a pending claim in our office your file number # # # # # # #, as it is in your best interest to speak to a live representative now by pressing one. Or either you or your attorney contact global international services that telephone number XXXX this is an urgent matter requiring your immediate attention please reference your file number when calling in <my name> you have been officially notified Thank you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem is that, I 'm trying to get a loan with my bank. But cause there was a bad comment, though the account is close, with AFNI. ( a debt collector fo r  XXXX   XXXX  ) I 've been declined. I try calling  XXXX  to resloved, they claim my account is no longer in the system. I try with AFNI but they cut me o ff n sa y they done everything in their book to clear it, despite that I was willing to help Fix 's this matter. I even try to dispute. But  AFNI w as able to alter my dispute on removing the comment place in my credit report. I want the whole account deleted and removed
Product: Credit reporting or other personal consumer reports

Affirm stated that my account went 30 days past due, because my due date was on XX/XX/year> and they said I didnt make my payment until XX/XX/year>. This is incorrect, because my payment was made on XX/XX/year> a day before the XXXX day. It even reflects that in the the Affirm app. Ive attached proof of when payment was made. Also the said the 30 day late would have been for XXXX, but thats incorrect as well. IF I was late which I wasnt that would be reflect for XXXX and not XXXX. My credit report shows XXXX payment made on time and it should reflect as on time for XXXX as well.
Product: Payday loan, title loan, or personal loan

I have established an excellent repayment history with this company over a period of more than a year. Last year I was approved for a loan of {$1000.00}, which I paid back perfectly. During this time my wife and i separated. I applied recently for a new loan and was denied. The company 's reason was that I have " insufficient income. '' Yet my wife, who makes less than me, was recently approved for the same amount! The only thing that has changed in the interim is my marital status, which I believe is the real reason Lendup rejected my application.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts, fraudulent, inaccurate, and misleading information remains on my consumer credit reports. The negative presence of these unauthorized items has severely impacted my life, causing immense stress and XXXX I am a victim of identity theft and did not consent to any of this information being associated with my name and credit profile. 

I must inform you that due to the lack of resolution, I am now actively pursuing legal action against your company for violating the Fair Credit Reporting Act. Your continued reporting of verified inaccurate information is unlawful and has led me to this escalated course of action. 

I demand that you take immediate steps to fully update, delete, and block all fraudulent accounts, inquiries, collections, and any other items stemming from the identity theft from my credit reports and file. This is a matter of utmost urgency and seriousness.