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

I purchased a vehicle with XXXX in XXXX of XXXX with an extremely high interest rate and confusing payments. They said it had no accidents but it had been and the entire bumper is offset and the paint has spidered in several areas. Basically a lemon. I made all my payments on time until Covid and I owned a XXXX XXXX. I worked out an arrangement with them and contacted them regularly to explain everytime I had to shut down. They werent supposed to be charging late fees or high interest during this time. But this actually loan was never on my credit report until recently. I was rushed to the hospital in XXXX of XXXX where I was told I wasnt going to make it. I spent a month XXXX  with XXXX then caught XXXX. Sent home with a XXXX line on home health still making payments as I could and emailing them of my situation. I was hospitalized again in XXXX then in XXXX with the same things and ended up missing 4 months of work. They emailed called texted all day everyday sent threatening emails knowing I was in the hospital and had no way to do anything. Fast forward to XXXX where I had been desperately trying to work even though I was told not too just to pay my bills and get them off of me. I was paying almost weekly and as often as I could. I had a payment arrangement set up and on XX/XX/XXXX without warning or notice or affidavit filed with the DMV they sent a man onto my property to take the car with my purse medications money and car seat and we were home. No note or knock on the door. I tried to call but they said I had to call back during business hours it was a holiday. I had to cancel my appointments for the next day and go a night without vital medications not knowing where my car was. The next day I was told I had to pay XXXX to get back a car I was making payments on. At their mercy I paid this got the car back but was blocked from the portal or seeing any of the info that was there. They debuted the wrong account and blamed me for it and took the car over that payment. Then charged it off on my credit report but I still have the loan and the car and everything they stated on my report is not factual. It was never on my report until they did this shady deal. Now Im stuck and cant do anything. This company scams people all the time then locks you out of seeing your account info. How can you charge off a vehicle take it without notice or filing an affidavit but make them pay to get it back and you still have the same loan company XXXX. Something has to be done especially because I was working with them and notifying them of everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed adispute with Experian I used a credit report with knowledge I learned from a lawyer and a credit report agency I put a lot of work to point out inaccuracies in my credit report now I get an email saying they not going to investigate. This isnt fair. I have the right to have my account investigated
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX {$5600.00} XX/XX/XXXX XXXX  XXXX  XXXX {$5500.00} XX/XX/XXXX XXXX XXXX bank {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequium Solutions refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent all my documents to all 3 credit bureaus. They have not sent me anything proving that these fraud accounts are mine. I requested the step by step procedure on how they verified and they have failed to do so. so by law these account must be removed asap. I contacted XXXX XXXX XXXX XXXX and also the attorneys general for this matter I f i have to i will seek compensation for this illegal situation that 3 of the credit bureaus did. I am going to request that the accounts be reinvestigated and removed asap from all 3 bureaus. per 15 usc 1681 you must listen to the consumer. I am telling you that these accounts are fraud and are a result of identity theft/fraud.
Product: Vehicle loan or lease

XX/XX/2021 - XXXX-XXXX  I filed a complaint against Wells Fargo as I had called and let them know about my financial situation and asked if we could lower the payments or if there was any other assistance. The rep was quite mean and told me there was nothing they could do and I had to make the payments or they would keep posting to my credit report ( which is really hurting my credit score or ability to get any financial help ). XXXX XXXX from Wells Fargo responded with the attached letter saying he didn't have any record of the phone call but informed me to call and that they could provide additional assistance with the payment options. I then called him several times and never got to speak to him. I then called customer service AGAIN and was told AGAIN there was nothing they could do for me and that they do not provide refinancing at this time and I had to come up with the $ XXXX/month. I have lost almost all of XXXX XXXX during Covid and my income has been severely slashed. Im trying to rebuild the XXXX but it has been tough. I'm not sure why XXXX would say they could help me but the reps say they can not.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card

Its saying 60 days late and shouldnt be I want that info fixed
Product: Debt collection

I do not know these accounts reporting in my file. Please help me get them removed. 

CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) THE XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because XXXX, Equifax, XXXX XXXX, they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XXXX I would like the these companies to finally report the correct information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these ITEMS in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Product: Debt collection

I cancelled my car insurance with XXXX XXXX and my apartment insurance. Now when I receive a letter and called them I get a young man threaten me and will not listen that I cancel the policy before XX/XX/2022. This company has been unprofessional once I sign up last year. All i heard in the background was baby crying like he was at home no professionalism and would not listen.
Product: Debt collection

I have attempted to contact both companies and inform them that they are both holding the exact same account with a request for them to verify that they are the correct collection agency. Neither provided that proof or proof of transfer from XXXX physician. I am not comfortable even starting the process of clearing this debt because I am not sure who I am supposed to communicate with but I am not paying both companies for the same debt.
Product: Credit card

I have a credit card through Wells Fargo Bank. I reached my limit and came to a payment agreement with them that I would no longer be able to charge on my card. They are taking automatic deductions from my checking account. However, once they started doing that they stopped sending me statements in the mail. I tried opening an online account so I can keep track of the account and the site would not allow me to do so. I called them to ask them to help me set up an online account and they told me that because the account was " over charged '' and had been closed, that they would no longer provide me with or allow me to open an online account. The only way they offered for me to follow the progress of my payments was to call them monthly and they would tell me what my balance is. Can they take money from me without giving me a written method of following the account? For all I know, the money could be going to another account or being put into someone 's personal account. I want to be able to open an online account so I can check on the balance and make sure my money is being applied to my account.
Product: Vehicle loan or lease

On or about XX/XX/XXXX, I sent a payment to GM Financial via priority mail using the coupon or remittance slip that came attached to the " statement '' for the amount of {$520.00}. 

On XX/XX/XXXX I sent a payment to GM Financial via certified mail # XXXX, it was received by GM Financial on XX/XX/XXXX. The payment was in the form of a coupon or remittance slip that came attached to the " statement '' for the amount of {$1000.00}. 

On XX/XX/XXXX I sent an Affidavit of Truth to GM Financial XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX via certified mail # XXXX and it was received on XX/XX/XXXX. I attached a copy of the payment coupon I mailed that same day in the amount of {$1000.00}. The correspondence explained that I understood the laws and my rights and requested that GM Financial honor my lawful tender of payment. 

On XX/XX/XXXX I sent a Billing Error Dispute to GM Financial via certified mail # XXXX and it was received on XX/XX/XXXX. I still have not received the proper reply required by XXXX CFR XXXX. 

On XX/XX/XXXX I sent a payment to GM Financial via certified mail # XXXX, it was received on XX/XX/XXXX. The payment was in the form of a coupon or remittance slip that came attached to the " statement '' for the amount of {$25000.00}. 

On XX/XX/XXXX I sent a second Affidavit of Truth, Notice XXXX XXXX to GM Financial XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX Suite XXXX, XXXX XXXX, TX XXXX via certified mail # XXXX and was received on XX/XX/XXXX. This correspondence quoted several laws alluding to my rights, the violations that GM Financial was making and the remedy I was requesting. 

On XX/XX/XXXX, GM Financial sent someone to repossess my vehicle even though I had submitted payments on time and technically have overpaid on the account. GM Financial has violated several laws throughout this process. They have continued to submit negative and derogatory information to my consumer report even though they received the billing error dispute and still have not responded to it. I have tried communicating via phone with GM Financial but I am talked down to, treated as I have no clue what I am talking about and threatened that if I want my car back I have to submit the type of payment that they dictate to me rather than the coupon/remittance slip which is still on obligation of the United States the same as federal reserve note or " dollars ''.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items within the next 5 business days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and XXXX XXXX XXXX As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Bank account or service

I am in the process of filing bankruptcy and thereby, collecting information for my lawyer. 
In XXXX XXXX, I had a PC Richard Credit Card from GE Capital consumer Card Company. They have informed me that the statute of limitations has run out. However, XXXX XXXX has been calling me endlessly to collect on this debt, including on a Sunday evening. GE Capital Consumer Card Company changed its name to Synchrony Financial in XXXX to reduce its exposure to the finance business. XXXX XXXX initiated a series of moves to separate this area of the company. That included the Synchrony Financial spinoff and renaming. I am reading on a consumer website that many unaware customers have had trouble contacting Synchrony Financial and thereby incurring interest/late fee 's and having their credit destroyed by this company as my credit was destroyed by this company. 
Please look into this company and I thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me my family maybe left homesless. I am a victim of identity theft, I have submitted an FTC report and a Identity theft affidavit showing that the accounts listed aren't mine. These accounts are hurting me and my family badly. We are in the process of buying a house and are having so many problems with getting it because of these accounts. Please i have sent an FTC report and everything listed was not removed. My family can end up being homeless. What would you do if something like this was effecting your family in a negative way and you couldnt do anything about it. This is not fair I dont deserve for something to be on my account that is not mine.
Product: Credit reporting or other personal consumer reports

I'm in the process of opening up a XXXX XXXX company so i sent off for my reports to make sure my credit is ok. I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report is relating to. These accounts XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX. These accounts has violated my rights. 

Also according to 15 USC 1681e-2, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

To Whom it May Concern : I paid XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} on XX/XX/2014, for my XXXX XXXX account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to XXXX XXXX that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed XXXX XXXX about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by XXXX XXXX XXXX XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help! 
~XXXX XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me. 

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with XXXX XXXX today and this is a federal offense. The money I gave to your company on XX/XX/2014, was not paid to XXXX XXXX and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document on XX/XX/XXXX, my debt was paid to XXXX XXXX by your company, and this is false information. 

I need the owner or supervisor to contact me immediately. 

- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 nameXXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX  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 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: Credit reporting

XXXX XXXX ( Preferred Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.
Product: Debt collection

I haven't signed any contract with ELEVATE RECOVERIES LLC nor have I received any service from them. I have not given my permission to any third-party to distribute my personal information.