23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XX/XX/2024 Re : Disputing error [ s ] on credit report Dear U.S. DEPARTMENT OF EDUCATION I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute : Account Number or other information to identify account Dates associated with item being disputed Explanation of item being disputed The report shows I currently owe money to your company that I have already repaid. 



The date of first delinquency on my report is not accurate My student loan shows a period of delinquency when I was actually in an income-driven repayment plan. 



Harassment : If the collector uses abusive language, calls at unreasonable hours, or engages in any form of harassment. 

False Information : If they provide false information about the debt, such as the amount owed or claiming to be affiliated with law enforcement. 

Failure to Validate Debt : If they fail to provide a proper validation notice or do not validate the debt upon your request. 

Improper Communication : If they contact you after you've requested that they stop communication or if they share information about your debt with third parties without your consent. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I bought a car from buy here pay here, I paid on the car for so long and was on time and they seen that I was a great creditor always paid on time and sometimes more, I was told that my long was being turned over to a bank, so I signed the papers thinking that that would help my credit but it was turned over to a finance company, my interest rate went sky High and turn to a upside down loan on the vehicle, then the vehicle was no longer drivable, as long as I was with the company they would fix it because they wanted their money, but once I was on my own with the finance company, I was stuck with a used vehicle that had been bought from an auction, It finally costed me a little over {$1400.00} to fix it and it costed me {$1400.00} to pay it off, so I requested that they come and secure their property there was no way that I could fix the vehicle and make payments at the same time so the best thing for me to do was to ( surrender ) relinquish the vehicle, they sold the vehicle for {$300.00}, I had {$800.00} worth of tires on the vehicle because I kept the maintenance up I want to road ready, brand new starter, brand new battery, all the whole works brand new rims, brand new rotors all the way around, they never contacted me to negotiate how we could resolve the issue they just sold the vehicle and I was stuck with the balance and I didn't sign up for my vehicle to be sold to a finance company I thought I was with a bank and I would have went the whole 100 with them.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called Nel-net spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from Nelnet. I was told by Nel-net that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education
Product: Credit reporting or other personal consumer reports

There is a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of Identity Theft and Fraud. There is also inaccurate and incomplete information being reported on my credit report. This fraudulent account consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year>2024. This account has resulted in a hard inquiry and fraudulent collections and charge offs appearing on my consumer FICO credit report. I demand that the fraudulent items mention be removed from each of my consumer credit reports and that all collections activities related to said items cease pursuant to my rights within the FCRA and FDCPA Laws.
Product: Checking or savings account

I had a personal checking account that I kept a large balance in ( usually $ XXXX ). The bank recommend I open a money market savings account at 4 % interest to keep most of the money and then just transfer over to the checking account when I need money to pay bills. So, I did that last XXXX. I opened a account with {$37000.00}. The balance has been as high as {$87000.00}. But when I got my statement, I was not getting the 4 % interest. I was getting XX/XX/year> of 1 % like a regular checking account. I went to the bank and was told they would correct it. It now has been over 7 months and it is still not corrected. I ask every month and they tell me they are working on it. I calculate I am owed somewhere between $ XXXX {$2000.00}. That is a lot for a retired senior living on social security.
Product: Credit reporting or other personal consumer reports

Letter submitted to Equifax XXXX XXXX XXXX in XX/XX/year>. Again thru their portals. Each bureau is reporting charge offs, past dues & balances owed on discharged accounts. Nor do they have comments and remarks in comment section " dischaged ''. These errors are keeping me from getting a fresh start and being denied credit. It's against bankruptcy laws.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XXXX  # XXXX - BALANCE {$4400.00} XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX - BALANCE {$2700.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied by a creditor for " too many inquiries '' from my  XXXX  report, I decide to check my reports from all credit bureaus for accuracy. I have noticed that there are many inquires on my Equifax and   XXXX   that I did not authorize. I have contacted both bureaus immediately and I have not gotten any additional information or context regarding the situation. As a result, I have put a fraud alert in place to avoid future issues. Please see the following inquiries below that were not authorized by me and the date aligned to the fraudulent inquiry. Per my investigation, none of these companies received my identification or authorization from me to pull my credit for any reason :   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX  3.  XXXX   XXXX   4.   XXXX   XXXX  5.  XXXX   XXXX   Equifax 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX  3.  XXXX   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX  8.  XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX  10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.   XXXX   XXXX   12.   XXXX   XXXX   XXXX
Product: Debt collection

Midland Credit Management has repeatedly contacted me despite the fact that I am represented by an attorney. I have provided my attorneys name, phone number, and address on multiple occasions. I have sent letters and my attorney has send a cease and desist letter to them on my behalf.
Product: Checking or savings account

Bank of America has deliberately failed to initiate claim and or send claim documents on Claim # XXXX and Claim # XXXX
Product: Debt collection

I was going to school and XXXX XXXX XXXX XXXXe accepted my medical leave withdrawal since I gave XXXX and my baby had to stay in the hospital for several weeks and I was breast feeding. 

I did not go to school that semester or take any student loans or grants and now they are trying to bill me for classes I did not take, and just sent it to a collection company. 

Delta Management Associates , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MA XXXX
Product: Debt collection

They called about a bill for {$280.00} that was already taken care of. When they called gave their name, REFUSED to identify as a debt collector and even said they did not have to identify as a debt collector. I had to hang up and look them up. They wanted sensitive information but refused to disclose reason for the call. I called them back and told them they were required by federal laws to identify as a debt collector and she said No, I dont. I said yes you do and I will not confirm and of my sensitive information ( DOB, address ) unless you identify why you are calling she said she would not tell me who they were or why they were calling until I verified the sensitive information. I told her she legally had to disclose her reason for calling and she continued to deny she did not have that obligation. 
I also told them I had no debt in collections because I had already contacted any and all of my possible creditors and corrected all debt information ( insurance change that allowed all of them to bill for amounts owed ) a month ago so I had no debt collections. She wanted even more sensitive info ( name of my new ins the hospitals could bill to? Think not ) and still reiterated she did not have to disclose she was attempting to collect a debt that I could google their name and see who they are. Told her it didnt work that way and I would report them. She told me she was recording the call, I informed her I was as well. She hung up. I blocked them from my phone. I have contacted any and all possible debt creditors and have no debt in collections, period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian today and was hung up on. There are 3 accounts on my credit report that shows now status. ( 2 with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My payment history and ontime payment information is missing. The credit limits are also missing. There is a XXXX point difference between my credit report with Experian and the other agencies. I was denied for credit 2 times this month due to the information not reporting on my credit report. There is something wrong with Experians systems and it is against the fair reporting credit act to not dispute information properly. 

Please review the statements attached and update my credit file.
Product: Debt collection

( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$1100.00}. XXXX XXXX XXXX is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) XXXX XXXX XXXX XXXX it is a third party and has no standing to deny my claim. I am aware that XXXX XXXX XXXX can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold XXXX XXXX XXXX liable for these violations. I have reasonable cause to believe XXXX XXXX XXXX is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe XXXX XXXX XXXX HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe XXXX XXXX XXXX is in direct violation of 31 U.S. Code 3729 - False claims.
Product: Credit reporting or other personal consumer reports

LexisNexis is not following the law. To stall on my concerns they continue to ask for information already provided to them. There are several name variations and address listed on my report that are not accurate and causing me to be denied credit that I am entitled to which is my right to openly contract without interference. Again my name is XXXX XXXX there should be no other names listed on my consumer report. My only legal address and residence is XXXXXXXX XXXX XXXX XXXXXXXX, Georgia XXXX any other address is not correct and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MYNAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OHXXXX. SS XXXX XXXX. I have already done a dispute and I was told that I was not the one filing the complaint???? 
PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My debt with CarMax Auto Finance should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the XXXX bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX JG Wentworth transferred my mortgage to Freedom Mortgage. I was out of the Country until XX/XX/XXXX and had not seen the notice. My automatic bill payment sent my XXXX payment to JG Wentworth on XX/XX/XXXX. I called Freedom Mortgage on XX/XX/XXXX to inform them of the mistake and spoke to their Customer Service Agent XXXX who told me not to worry about it that they would eventually get the payment from JGW. Since then I sent my payments to Freedom and they cashed my checks for my payment amount of {$1100.00} on XXXX and XX/XX/XXXX. They have been sending me late notices so I called them and they said they never received the XXXX payment and that I needed to call JGW. I called JGW on XX/XX/XXXX and they told me that on XX/XX/XXXX they sent my XXXX payment in the amount of {$1100.00} to Freedom Mortgage. The JGW agent XXXX ( id # XXXX ) confirmed the check # XXXX and XXXX tracking # XXXX. I sent this information to Freedom Mortgage and yet they continue to call me ( 3 times in the last 2 days ) to demand payment. 

My Freedom loan # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXXXXXX Date XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I notice unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

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

Capital one has taken too many overdraft fees. When I tried to address that with them, they claimed I used abusive language and closed my account.
Product: Credit card or prepaid card

Downloaded my XXXX XXXX statement with a Purchase Balance of {$3300.00} and a Special Rate balance of {$7700.00}. Payment due date : XX/XX/2022. 

I arranged for a payment of {$5000.00} to be applied on the due date. 

Downloaded my XXXX XXXX statement which showed the {$5000.00} payment in the transaction section. The XXXX Purchase Balance was listed as {$2400.00} and the Special Rate balance as {$7500.00} I expected my {$5000.00} to be first applied to my XXXX Purchase balance ( XXXX ) and the extra amount ( {$1600.00} ) to my Special Rate balance. 

Instead PenFed VISA applied my {$5000.00} as follows : XXXX Balance ( {$3300.00} as expected ) and applied {$1400.00} to new purchases made in XXXX and {$200.00} to my Special Rate. This method of payment application means that I am also paying for charges in the new cycle and does not offer me any grace period to pay for new charges. It also means I can not rely on the statement balance when arranging for payment. 

Since my Purchase balances are paid in full, their method of applying payments will result in my having a high balance in my Special Rate account when the promo ends in XX/XX/2022- which will then be triggering finance charges unless paid off completely. 

So much for a Special Promo. Note that this was NOT a balance transfer or a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to comply with federal laws governing the handling of disputes under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. XXXX has refused to properly investigate or remove fraudulent accounts reported to FTC Identify Theft on my credit file, causing significant harm and violating my rights. 

Background : On XX/XX/XXXX, XXXX informed me that XXXX of the fraudulent accounts I reported on XX/XX/XXXX to the FTC Identity Theft as fraud accounts were " verified '' per the debt collector, despite being flagged as fraudulent. This response came after XXXX days of delay, resulting in an inconclusive decision and allowing the fraudulent accounts to remain on my credit report. 

CRAs Failure to Comply : Despite my clear and lawful dispute, XXXX either failed to perform an adequate investigation or improperly verified the accounts with the original creditors/debtors without validating their legitimacy. This constitutes a violation of my rights under XXXX XXXX. XXXX ( a ), which requires XXXX to conduct a reasonable reinvestigation of disputed information and delete inaccurate, incomplete, or unverifiable items. 

Harm Caused : The continued reporting of these fraudulent accounts is negatively impacting my credit score and financial well-being. Additionally, I have spent considerable time and resources attempting to correct this issue, only to encounter further delays and noncompliance by XXXX. 

Laws Violated : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Equifax failed to meet its obligation to reasonably investigate my dispute under 15 U.S.C. 1681i ( a ). XXXX continued to report unverifiable and fraudulent information, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting. XXXX willful noncompliance with its obligations constitutes a violation of 15 U.S.C. 1681n, which provides for civil liability for willful violations, including damages, attorneys fees, and punitive damages. 
Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : XXXX improperly relied on a creditor or debt collectors unverified claims without ensuring the accuracy of the account, potentially facilitating abusive debt collection practices. This constitutes a violation of 15 U.S.C. 1692k, which provides for civil liability for violations, including actual damages, statutory damages, and attorneys fees.
Product: Debt collection

XXXX XXXX XXXX changed the AGE DATE of ( 2 )  debts appearing on my credit reports to XXXX and XXXX from original dates of XXXX and XXXX, respectively, knowing both were currently OUTSIDE THE STATUTE OF LIMITATIONS since appearing on my report in XXXX. The agency known as XXXX XXXX at that time originally reported his dept to XXXX, XXXX and XXXX. I have disputed these numerous times through XXXX XXXX, each of the credit reporting agencies separately in writing and electronically, yet this agency has FAILED TO PROVIDE DOCUMENTATION about these debts, refuse to adjust the age date AND CONTINUE TO CHANGE THE DATE OF COLLECTION. They have recently changed the age date from XX/XX/XXXX to XX/XX/XXXX on one of these accounts that they refuse to have removed from my credit reports! I have not contacted them directly in any way prior to XXXX because when I do they reset the clock on the age date of the accounts. Additionally they have threatened me, used foul and abusive language and deceived me into believing they can garnish any of my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a legal notice, see attached. Letter has been sent to the registered agent of KOHLS, XXXX as of XX/XX/2022. You have 15 days to respond to the offer of settlement before a lawsuit is filed in the Superior Court of New Jersey.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account.