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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in ( MONTHS REPORTING LATE ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Product: Debt collection

J.J. Marshall & Associates , Inc. contacted me via mail stating they are trying to collect the sum of {$950.00} on a loan that I never had or applied for. I spoke with a XXXX XXXX XXXX XXXX a representativeXXXXJ.J. Marshall 's, at XXXX this morning XX/XX/XXXX and vehemently denied applying for or receiving any funds from the lender XXXX  XXXX XXXX XXXX XXXX XXXX 
I have never received anything from this loan company requesting payment. The loan agreement funding date on the remitted paperwork states XX/XX/XXXX with the alleged first payment scheduled for XX/XX/XXXX. No such funding or payment was ever attached to my bank account in the past 4 years, ever. 
Please assist for they have my banking info and address. I instructed XXXX XXXX 's I would be reporting this fraudulent activity and how upset I was regarding this matter. 
Thank you for your time and will be anxiously awaiting your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister bought a car XX/XX/2020 and instead of this being on her social security number its on mine with her birthday. Ive spoken to the dealership and the credit company multiple times trying to resolve this and I am having no luck. This should not be on my credit. 2 weeks prior to my sister purchasing her car I had purchased a brand new car. The dealership used my social to get my sister financed. Please help
Product: Credit card

On XXXX XXXX XXXX I contracted with XXXX XXXX XXXX XXXX XXXX XXXX, for Legal Services and used my navy federal credit card to make payment. This charge ended being fraudulent as the merchant did not provide any services I paid for. I have tried to contract them for many months and they have ignored me. Navy federal closed my dispute without providing me the opportunity to provide more evidence of my attempts to receive a credit from the merchant -- however, this is fraud and Navy Federal states in their website they have a Zero Liability policy for fraud backed by Visa ( the issue of my card ), which is this case. I am attaching the latest communications with the merchants where it is clear they stopped responding to my and have lied about resolving this case.
Product: Debt collection

I'm not familiar with this debt that's the reason that I'm disputing this account because I don't have no idea about it. I ask that you can please remove this from my credit. This is not my account. Thank you
Product: Credit reporting or other personal consumer reports

I was in a car accident the insurance payed off the car. I was told I had no balance but the account kept coming up negative. So I called XXXX XXXX and they said I dont have to pay then I asked them had they written off the debt and she said yes so I then asked for a 1099-c they agreed initially then changed their minds very next conversation. This is on my credit report as a chargeoff/collections. the debt has been forgiven or canceled, it's no longer owed and should not appear as an unpaid collection or charge-off on your credit report. Account # XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account.

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX ( XXXX XXXX XXXX XXXX in relation to a debt in the amount of {$810.00} that was charged off in XXXX but continues to be reported on my credit report as charged off. This ongoing incorrect reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is negatively impacting my financial situation. 

Despite the debt being charged off by XXXX in XXXX, they continue to report it on a monthly basis as charged off. This continuous reporting not only misrepresents the current status of the debt but also violates the FRCA rules regarding accurate reporting of credit information. The incorrect reporting of this charged-off debt has had a detrimental effect on my financial well-being, making it difficult for me to obtain credit and negatively impacting my credit score. 

Additionally, I want to bring to your attention that I have not received a Form 1099 for this charged-off debt as required by the Internal Revenue Service ( IRS ) regulations. XXXX 's failure to provide this necessary documentation further adds to their noncompliance with relevant laws and regulations. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX. Specifically, I seek the following remedies : 1. Immediate removal of the charged-off debt from my credit report, as it is inaccurately and unfairly reported. 
2. Correction of any negative impact caused by the ongoing incorrect reporting, including the adjustment of interest rates and credit scores.

3. Compensation for any financial losses or damages I have incurred as a result of this inaccurate reporting. 
4. Enforcement of penalties on XXXX for their violation of the FCRA rules and failure to provide a Form 1099 for the charged-off debt. 

I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and ensure that justice is served. Attached to this letter are supporting documents, including copies of my credit report showing the ongoing incorrect reporting of the charged-off debt, as well as any relevant correspondence with XXXX. 

Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN RESPONSE TO COMPLAINT XXXX AGAINST THE COMPANY NATIONAL CREDIT ADJUSTERS. I'VE TAKEN A LOOK AT THE DOCUMENTS THAT WAS SENT IN RESPONSE AND THERE ARE STILL MANY PROBLEMS. I SEE THAT NCA IS REPORTING A DIFFERENT BALANCE DUE THAN WHAT THE ORIGINAL CREDITOR CLAIM I OWE. ALSO, THEY ARE CHARGING INTEREST AND FEES ON AN ACCOUNT THAT THEY APPARENTLY BOUGHT OUT FROM A CREDITOR ... HOW IS THIS LEGAL? THIS MUST BE WHERE THE DISCREPANCY IS COMING FROM. ALSO, THE ORIGINAL LENDER ON THE PROMISSORY NOTE SAYS XXXX XXXX, BUT I WENT STRICTLY THROUGH XXXX XXXX AND THEY DID NOT CORRESPOND ANTHING ABOUT THIS COMPANY SO I CAN NOT BE TOO SURE THAT THIS IS FACTUAL. LASTLY, NATIONAL CREDIT ADJUSTERS DID NOT SEND ANYTHING BACK TO VALIDATE THAT THEY ARE LICENSED TO COLLECT DEBT IN THE STATE OF TEXAS BECUASE ACCORDING TO XXXX XXXX ACCESS THEY ARE NOT. IF YOU CAN NOT EXPLAIN WHY THE ORIGINAL CREDITOR IS REPORTING A DIFFERENT BALANCE AND PRESENT A LICENSE TO COLLECT IN THE STATE OF TEXAS THEN PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY BEFORE I AM FORCED TO TAKE LEGAL ACTION AND I WILL BE SEEKING {$1000.00} PER VIOLATION.
Product: Debt collection

Portfolio Recovery, The last email that I received from Portfolio Recovery was on XX/XX/year> stating I owe {$1200.00}. I have also received phone calls before and after XXXX CST I am requesting that Portfolio Recovery provide verification of this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 1 U.S.C. 1692g, I am requesting that Portfolio Recovery provide me with the following information to validate this debt. 1. The name and address of the original creditor, the account number, and the amount owed. 2. A copy of the original contract agreement. 3. Verification that there is a valid basis for claiming I am required to pay the current amount owed. 4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, payments made since the last billing statement, and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. 5. Please also note whether this debt is within the statue of limitations and how that was determined. I would also ask that Portfolio Recovery cease and desist phone calls to my number, please only communicate with me in writing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  charged off an account on my credit report and the card was never mine to begin with. it was obtained fraudulently. I have disputed this several times with no progress. The account was closed XX/XX/2022.
Product: Vehicle loan or lease

On XX/XX/2019 I entered into a finance car loan with Santander Consumer USA. To whom it may concern, According to the Truth In Lending Act 15 usc code 1605 ( a ) ( 5 ) law clearly states that insurance shall be included in the finance charge, which I purchased a vehicle under the extension of my credit and received a contracted loan that was extended from your company which had no insurance attached to the original contracted financed loan. There was no appropriate disclosure present at the time. Also no insurance included in the finance charge according to 15 US Code 1605 ( a ) ( c ) * CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE* I didn't receive any insurance that was included in the finance contract. The insurance was not included in the contract which means the contract is NULL and void due to fraud, According to the law and should be deleted and I demand compensation for damages of a breached contract for not adding the insurance, willfully and knowingly as a federally protected consumer under 15 us code chapter 41. According to Truth In Lending, a lender or creditor must disclose all necessary laws and products that are attached to the contract. * Knowingly and Willfully allowing me to send cash payments and the finance loan was fraudulent from the beginning when the vehicle was purchased. You didn't add the insurance that is a violation. 
CONSERNING THE ACCOUNT LISTED BELOW I AM DEMANDING THE FOLLOWING LISTED BELOW. THE ACCOUNT IS IN FACT INVOLVED IN FRAUD FRAUDULENT ACCOUNT SANTANDER CONSUMER USA ACCOUNT # XXXX REPORT ACCOUNT TO CREDIT BUREAU MONTHLY FOR THE REMAINDER OF FINANCE CONTRACT LOAN DATE LISTED ON THE CONTRACT FOR A POSITIVE ACCOUNT REPORTING. SEND THE TITLE CLEAR AND SEND THE CHECK FOR COMPENSATION FOR DAMAGES OF FRAUD DUE TO THE BREACH OF THE CONTRACT NOT APPLYING INSURANCE ALONG KNOWINGLY AND WILLFULLY ALSO NOT DISCLOSING THAT INFORMATION TO ME AS A CONSUMER IS A VIOLATION.
Product: Vehicle loan or lease

Wells Fargo Dealer Services amount is {$2500.00}. This account is being reported to all 3 credit reporting agency and this account does not belong to me
Product: Credit reporting or other personal consumer reports

INDIGO is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. INDIGO does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Bank account or service

I was a Wells Fargo customer for over 10 years, they were the first account I opened as a young adult. As a young adult I never had much money, in 2010 I was on the phone with them at least once a month, they would rearrange the order of my withdrawls on my account and charge me {$35.00} for XXXX small charges instead of XXXX late fee for the check. I would call them in tears and they would say " well you new that money was coming out, why would you spend it '' ... This happened several times over the next couple years. I never fought it, I was young and living from paycheck to paycheck, pretty irresponsible with my money, i thought i kind of deserved it. So now I hear all that they are up to and I would like to get some kind notice as to what is being done for there customers they took money from? I finally closed my account with them this year because they started chrarging me for moving money from checking to savings, I was so sick all of their XXXX fees and never thought I would get anywhere with them anyway. The victimize low income, young, foreign, I have had many many friends who have had this same thing happen to them!
Product: Credit reporting or other personal consumer reports

Company involved Marcam Associates XXXX  XXXX XXXX  I have a debt with XXXX XXXX XXXX.of {$2200.00} I did not notice the bills arriving as I had to go back in to the hospital after my intial medical problem The bill was not paid because I overlooked it..XXXX  XXXX sent it to collection.ended up with Marcam assosiates After all this happened I made a deal with XXXX XXXX to Pay {$100.00} a month on my payment plan I they would take the bill out of collection They agreed Marcam Associates says it is still in collection with them This is incorrect and some credit reporting agencies have already removed the collection but not Marcam. I want the bill removed from Marcams collection Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I requested verification of an alleged account... 
REMEX INC ... XXXX. They, REMEX INC responded in kind ( attached ) with a notification stating their " investigation '' has confirmed and verified the account. First ... their response has provided nothing more than a name and address. 
Second ... their response in itself provides proof of their violation of my rights under HIPAA.

So I am requesting that they provide proof that I authorized the release of my medical records to them.

In addition I am requesting a description of how they recieved my medical records, and if an electronic transfer was conducted they must show their compliance with the HIPAA security rule, specifically the HITECH ACT of XXXX.
Product: Consumer Loan

I have set up my account with Honda Financial Services for autopay for several months now. Somehow autopay discontinued the day of an XXXX/XXXX/2016 payment date and I did not get any notifications or letters that payment was pending or that autopay was canceled. I was then charged a {$20.00} late fee and I received no notificarions of non-payment. Then they finally mailed a letter to me dated XXXX/XXXX/2016 that my account is not in good standing. They reported me negatively on my credit score on XXXX/XXXX/2016 - it dropped by XXXX. I was given no real chance to know or resolve the issue. I received the letter they sent on XXXX/XXXX/2016 on XXXX/XXXX/2016 due to the holiday. I did not even know my account was in bad standing until I checked my credit score on XXXX/XXXX/2016. I immediately logged in and paid the full amount due. I called Honda Financial Services on XXXX/XXXX/2016 to ask what happened to my autopay and to let them know I was n't notified of anything. The representative told me that by law they do not have to notify me of anything and are not obligated to let me know. This is ridiculous and very upsetting that I trusted their autopay system and for almost a year had no issues with it and for something to like this to happen, for which I did not do, and for them to not give me any courtesy emails or mail or phone calls until I was knocked XXXX down on my XXXX score. The representative also told me it is not their problem it is mine. I feel very cheated and believe this is a great injustice as it hurts me a lot, for something I did not do wrong and for trusting their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refer to the attached Experian Credit report file number XXXX dated XX/XX/XXXX specifically page 41, CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. See Attachment 01. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter 13 Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary. 
Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
Product: Mortgage

Ive applied for Loan Modification twice and have been denied. Mr. Cooper has failed to return inquiries, never has assigned service agents available to assist nor respond to calls. Ive repeatedly had to submit the same documents multiple times just to be denied once again. I am told I do not qualify for COVID relief despite being directly affected by the pandemic. FHA has advised me that FHA Lenders are obligated to work with borrowers to avoid foreclosure. I did not receive any notification from Mr. Cooper why my modification was denied a second time. Upon navigating the website, no other assistance was available online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Equifax with a letter XXXX of XXXX and never had a response. I called to disputed 1st week of XXXX XXXX and took info over phone. I received their response within 30 days and said the item was reported correctly. I called them again 2nd week of XXXX XXXX land told them again of the circumstances and am not responsible for this report being derogative as it wasn't my fault and if they had researched it and spoke to XXXX they would have learned that I wasn't responsible.After receiving bill I called XXXX and they said it was paid. I continued to receive bill periodically and then followed up with XXXX and they said not paid. After going back and forth I learned from XXXX that it was billed in to parts. 1 from the the XXXX dept. that showed paid and XXXX other from reading of the XXXX that was returned by XXXX to make correction to name and resubmit for payment. XXXX never did and XXXX never paid. In XXXX. of XXXX I spoke to a supervisor of the XXXX reading dept. and she looked into it and said they would notify XXXX  and stop the collection but they couldn't remove it from my credit reporting agency but could notify them to notate it was an error.. I checked with Equifax the later part of XXXX and learned it was still showing as a derogative. I contacted Equifax XXXX of XXXX XXXX regarding this matter and again explained to them that this is not my fault. I have ins. I pay and they would have paid it as I had already met my deductible. It is the fault of the billing company. They advised me to file with FTC..I need this matter corrected and reasoned from credit reporting agency as it is the only item against my credit
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX Collection XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$760.00} XXXX XXXX : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX