23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have a car loan with XXXX XXXX XXXX XXXX. Its a 6 year loan. Im in my 5 year of this loan and have had always auto pay, my personal bank transfers the founds to SDCU loan account I have because I dont have a personal account with them. All this past 4 years its been that way autopay, until I got a call saying I havent pay in 4 months the car loan, but the money has been transfer every time to their bank account and from it they pay the loan, withdrawing every time from that loan account. But in XXXX they said the autopay didnt work and that they have been sending emails, but I didnt receive anything. They also asked me all the information on the loan like my license, car make and model and year and vin number everything, I asked them how they dont have that information if they are now for the first time calling me without information on my type of car I ask for a summary statement of how much is my paid off and they said they dont have the information. I need help how can I proceed. 
Also my credit score was XXXX a month ago and now its XXXX and they also charge me with late fees. Please anyone help me on how to proceed and get the bad credit report of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance XXXX {$600.00}
Product: Credit card or prepaid card

I have been trying to get ahold of a representative for days now ( 3 days approximately ). I cant get anyone to help me to fix my issues of scheduled payments being declined for bills and rent. Money is on there but dont have access. It started on the XXXX of XXXX XXXX.tried calling multiple times but keep getting a recording saying to try call later and then it hangs up. Cant even wait on hold!! I have tried calling early morning, afternoon and early evening and even late night. Its suppose to be XXXX. They have no other option of communication except one phone number to call. This happened a couple of months ago also, took me over a week for me to get someone!! In the meantime I cant pay my bills and will have to pay late fees and penalties!! DirectExpress is terrible!! XXXX XXXX XXXX wont even take complaints because its the government which is crazy. I need to speak to someone like now! I am looking into getting my benefits changed to a new card, but I need my money now and bills rent have to be paid. What are my options? Please try and find out whats going on with this and let me know what their explanation or excuse is. Thanks
Product: Credit reporting or other personal consumer reports

Equifax has consistently inaccurately reported my XXXX XXXX  loans. The reporting of my XXXX XXXX  loans are in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). Despite providing documentation from XXXX to substantiate my claims and requesting updates, Equifax has consistently reported incorrect balances and payment histories for XXXX, XXXX, and XXXX. 

The balances reported by Equifax for my XXXX XXXX  loans are incorrect. 
The payment histories reported by Equifax show late payments which are not accurate. My accounts have never been late. 

I have attempted to resolve this issue directly with Equifax, but my efforts have been unsuccessful. Therefore, I am seeking the CFPBs assistance in ensuring that my credit reports are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is falsely showing 20 credit inquiries and Im a victim of identity theft.
Product: Debt collection

MCM is reporting a debt on my credit report I do not recognize the debt as mine and when I asked them to validate the debt- they sent me the attached letter. According to the FCRA they, as a credit collection agency, are required to validate a debt. It looks to me like they are just cooking up a bunch of numbers. I ca n't provide them with statements for a debt I never had I ca n't provide a fraud or identity theft report because I do n't think that is what happened. I think they are trying to tie my name and SSN to a debt that does not belong to me. And when I asked them to prove or validate that this is my debt, they could not. Therefore, it needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00}
Product: Money transfer, virtual currency, or money service

I was under the impression I was talking to one person and he claimed he was and remember a couple of days I made arrangements to not be in town anymore just to be going out of town so I didn't worry about paying money or nothing I was asked to send the money to get that ticket paid for and I prove that I actually am seriously XXXX XXXX anymore and turned out that after I sent the money and he's been virgins to avoid me and block me and I found out it just came through a XXXX friend and a post and live contact in my bank and it's not doing me any good cuz they act like they're just going to wait to call me back or whatever so I need help with getting my friends back to me as it was an imposter and it's been proven that he's been pasture XXXX hasn't even blocked him out of there or done anything about it whenever I reported him after I found out I mean it's like everybody 's going to let him continue to scamming people I'm on XXXX I can't afford to be losing income my landlord locking out of my house because of the situation
Product: Debt collection

Convergent Outsourcing Inc has placed a collection item on my report from XXXX for equipment that was returned when services were canceled. I 've never received any documentation notifying me of this collection and this item needs to be removed from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX this complaint should go to the U.S. Department of Education. As the loan servicer XXXX I have already applied for borrowers defense and my application has not been reviewed. XXXX is the servicer for my student loans which means they have the ability to review and forgive the debt that occurred as a result of predatory lending. 
My loan balance is currently inaccurate. All the loans for XXXX XXXX XXXX amounting to {$33000.00} should be forgiven. I informed the U.S. Department of Labor/XXXX through Borrower defense XXXX case # XXXX regarding this and nothing was done to resolve the matter.
Product: Credit card

This Discover card was open in XX/XX/XXXX I did not authorize and account to be open with Discover nor did I have knowledge that I had an opened account with this bank until I began receiving phone calls of Discover team members in XX/XX/XXXX saying how much I owe and asking when I could make a payment. I was furious to realize I have been taken advantage of and I have been put in debt. I finally checked my credit report to see there was a Discover card listed. Scared and confused on what to do until I finally ran into someone who told me to file an FTC report and a CFPB report. Along with these 2 things I have also wrote out and mailed a letter to XXXX I am just a XXXX XXXX XXXX man trying to figure out life as the days go I paid all my XXXX  loans off I am not the type of person to be in debt but here I am being taken advantage of by only God knows who. I hope this reaches someone who cares for innocent people & will put an end to all of this stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX09 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$170.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, OFFICE OF THE ATTY XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$410.00}.
Product: Credit card or prepaid card

regarding CaplitalOne Venture card : I called about a month ago to dispute a charge from XXXX on XX/XX/XXXX for {$580.00}. The representative told me that the dispute had been logged, case # XXXX and was submitted. But a week later my office received mail they scanned and emailed to me with a form that was needed. I completed the form the same day and called requesting a digital upload link ( as suggested by the company ). The person said that their computer was messing up and that they would send the link when it was fixed, but I had to call in almost a week later to make the same request again. After finally receiving an upload link, I uploaded those documents about two weeks ago. Because CapitalOne does not have a method for customers to check status updates themselves, I called in on Tuesday XX/XX/XXXX and first spoke with XXXX ( emp ID XXXX ), who placed me on hold while he researched and then dropped the call. I called in about 10 minutes later when I didn't get a call back and the next employee reached out to XXXX and responded saying that his phone had dropped because it wasn't working. So I got transferred to the next supervisor XXXX ( emp ID XXXX ). I was on the phone with XXXX for another 2hrs and 58 minutes while he looked into cases. During this call, XXXX put me on hold for almost 1 entire hour while he researched this case. When he came back on the line he explained to me that the bank DID receive my uploaded dispute document over a week prior, but failed in its duty to submit the case notes to the vendor as a charge back. He told me that there was a glitch in the system and it should have done that. I was upset that several weeks had passed and all delays to date have been from my very own bank not following through, but thought he had fixed the issue when the call ended. Late yesterday XX/XX/XXXX I received an email from the bank saying they had an update. The update states " Thanks for letting us know that you're no longer disputing the charge with this merchant.Since we previously credited your account for {$580.00}, the amount you were disputing, we are reapplying that charge to your account. The adjustment will appear on your next one to two billing statements. At this time, we consider your case closed. '' I never closed this case, this is so inaccurate. I called today and requested the same manager " XXXX '' that helped before as he asked me to do, but was told that he would have to call me back - he never did. Now I just found out today that the end vendor who actually received the funds and does not reply to any requests to resolve the matter with them directly, " The XXXX XXXX XXXX '' is closing permanently. I really hope that this does not affect the dispute. 
Please please please help!
Product: Vehicle loan or lease

We financed a motorhome through Essex Credit ( dba Bank of the West ) in XX/XX/2020. They financed in our tax, tags and title costs but never sent the state taxes to Virginia and never ordered our tags. We have been unable - since XX/XX/2020 - to use our RV as it is STILL not street legal because Essex Credit refuses to assist us, despite our dozens of calls that never get returned. We even filed a previous complaint with the XX/XX/XXXX to no resolution.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : 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 an 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: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my dispute. I was informed that recovering lost funds would be impossible and that tracking these transactions were unfeasible. Cfpbs findings indicate that Zelle has not only failed to protect consumers ; but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns for the safety of consumers.
Product: Debt collection

This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I did n't have a XXXX account and nor have I done any business with DIVERSIFIED CONSULTANTS INC. 

i tried resolving the issue with all 3 credit bureaus on X/XX/17. Also, I sent the company a letter on X/XX/17 asking for a legal contract and there was no supported documentation to verify I signed for a contract agreement. Only a print out of a last statement of a bill was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been diagnosed with XXXX  and have recently been medicated by XXXX. I'm now aware I'm defaulting my report!! 
I have not been taught the impact of my freedom as a human being is being impeached by various crediting agencies and national records due to my previous I inability to conform to modern society I feel that all the infor6 compiled in last 10 years either has been sold or not imposed one properly I have an inappropriate oty to budget in a complicated society This is proven by all research into the diagnosis given to me following the trauma imposed one as a child of a government who told me what is best for me!! Please an you otherwise seek to free me from the debt I've been otherwise forced to get to be able to live in my life I'm not a XXXX
Product: Debt collection

The collection company opened up an account in my name to damage my credit. The company is acting from its originator XXXX XXXX. The company that opened an account in my name is called XXXX XXXX in the amount of {$950.00} opened on XX/XX/2018 without my permission. This was done after XXXX XXXX written off the alleged amount that they said that I owed. I had filled a complaint with the CFPB last year about the way they held back my payments to charge me late fees and interest on my credit card. XXXX XXXX is the originator of the complaint and the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to unfreeze my credit at Experian using the unlock PIN and the exact same information used to lock it a couple months ago. 

I have tried calling every number to look for a human to talk with the situation. 

It looks like I will lose out on a prequal and ability to put an offer on a house because they will only respond to physical mail in 2020. This is a bit absurd and damaging to what I would like to do with the credit I have built.
Product: Debt collection

PATIENT : XXXX XXXX PROVIDER : XXXX XXXX XXXX Collection : HARVEST ASSOCIATES I, XXXX XXXX, XXXX, TX XXXX ( XXXX : XXXX XXXX ) Emergency SERVICE DATE : XX/XX/XXXX XXXX XXXX of Texas CLAIM # : XXXX I went to XXXX XXXX XXXX at XXXX, TX on XX/XX/XXXX and was treated by XXXX XXXX . I gave all insurance and contact information to the staff. I only received one bill  from the hospital and paid in full when I received the bill. It is in XXXX, XXXX, when checking my credit report, I noticed there is a collection of {$1400.00} against me. I called the hospital and was told it is from the doctor, not from them. I had not and have not received any bills from the doctor and the collection. So, I called the the collection, and according to them, the doctor did not get my contact and insurance information from the hospital and thus gave the debt to them. They admitted that neither the doctor nor the collection have ever contacted me about the bill because they don't have my contact information. I told the lady it was not my fault because I gave the information to the hospital and they had my information and sent me the bill and the insurance claim for their part. It is the doctor 's and the hospital 's responsibility communicate the information correctly and timely. It is unfair to penalize the consumer by putting this directly to the collection and to the credit report, negatively impacting my life. I also gave her the correct address and the correct insurance information. She promised the collection record would be removed from my credit report after the insurance paid. However, after they successfully claimed the insurance on XX/XX/XXXX, the collection record is still on my report showing a smaller amount due. Fine, if it is something I owe I will pay, but until today I have not received anything in the mail from them. It is very unethical that they did not do what they promised, which is not my fault from the very start to the end anyway, and did not communicate anything once they have got the money. I called their number, but could not reach them this time.
Product: Debt collection

I have been contacted by Capital One Debt Collection several times beginning XXXX XX/XX/2022 claiming I need to answer their questions. A phone number that is mine was tied to a account of a person I do not know. The company has called 12 times or more, even after I stated I was not the targeted person. They have threatened legal trouble and to contact law enforcement for fraud because my phone number was used. They aggressively stated I needed to give my name and threatened to have this treated as criminal matter, which would have immense negative effects on my profession. They refuse to stop calling and are out of line. The phone number is XXXX.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXX/XX/XXXX XXXX and all payments were placed on XXXX. 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/updated. 

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!