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

Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I got my new car in 2018 it was a XXXX XXXX. It was purchased in XXXX XXXX Missouri at XXXX XXXX. over the course of the loan since 2018 I have had six payment extensions where I skipped a payment. I also made a few split payments, but I was never late once on the loan now I am being told that at the end of the loan, a.k.a. the maturity date that I will still have a balance due of approximately {$5200.00} Toyota financial services, which is the company in question can not explain where these fees come from with any certainty and is getting outright hostile with me by telling me that its not their responsibility to tell me where the fees come from. I do have a high interest rate on the car which is something that I excepted when I bought it. I would understand if there were some fees involved with extending the life of the loan, but definitely not to the tune of {$5200.00} if I could get some help with this, it would be greatly appreciated. Theyve already tacked six more payments on to my loan as it is so Im not understanding how you can then also double dip and charge interest for the extensions as well when I called them they dont have my loan contract nor do they have any revised contract, showing the new stipulations after the extensions that I did.
Product: Debt collection

I was in a hospital and the bill was to be paid by the VA in XX/XX/2013. The hospital took the information and was paid. The XXXX emergency specialists was given the information every time I or my wife talked to them and they failed to bill the VA. I found out it was out for collection and told OPTIMUM OUTCOMES INC to contact VA they said they could not pay up so I instructed them to send it back to the doctor so it could be billed they refused and said they were going to collect on it. I told them the VA would pay the bill IF THEY WERE BILLED. That was last I heard until recently I had a call about my son 's credit and thought the recently visit to hospital was being collected already and called and found out the bill was still in collections. I called the VA and was told if the XXXX would send them the bill they would look at it review it and pay it. EVEN THOUGH VA policy is doctor has to bill them within XXXX days. I called the doctor back explained all this to them and told them they had to submit the pink part of the bill what ever that was for payment they refused because it was to old and the collection agent has it. I either want them to take this off my credit report and bill it or write it off. Their not being paid was not my fault THEY NEVER EVEN BOTHERED TO BILL IT and they hold a government contract to accept payments from the government for payment of patient expenses XXXX, XXXX, or VA. If they failed to follow the contract that is not my fault they were notified WHY if the VA was paying the bill would I refuse to provide them the information?
Product: Debt collection

I have referred a complaint to the Department XXXX ( XXXX MD ) and XXXX Services for resolution. The defendant sent my account to NCC Business Services for collections. This entity failed to send me a notice of debt - for more than a week. I called the CEO and he cut off my call. I continue receiving calls, the company is still refusing to send me the letter of debt, nor acknowledge that the matter is still under review between me and my previous landlord. 

The landlord in question is XXXX XXXX. This company opted to threaten us with an adverse incident on our credit record, rather than trying to resolve the underlying complaint. Their verbal statement was, " We did not feel the need to respond to your email, because we knew we would XXXX up your credit if you do n't pay us. '' Consequently, we filed the necessary complaint with our county. They continued to pass on the debt to NCC, who started their campaign of abuse. During the latest call this morning I was told that I was not going to receive the notice of debt at all. I was just to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan thru XXXX XXXX. I was denied thru SageStream LLC. I received a credit score of XXXX. This happen on XX/XX/XXXX. My XXXX Score is XXXX. They are using information from 10 years ago. I am not delinquent on any accounts and pay everything on time. Credit used with my credit limits are too high. Why is my score so low with this company. Never heard of them. From reading other complaints I believe this is a faurd company. I would like this searched into. It is effecting my credit I have worked so hard to rebuild
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. Under the FCRA 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 correct : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 account without my written instructions ACCOUNTS : 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 XXXXXXXX XXXX
Product: Debt collection

There was never an agreement on the lease statement, and I tried to get on the lease ; and was never on the official lease. my roommate, XXXX XXXX was and i paid him when the time came. after i moved out, he stayed an additional month and didnt pay. i did not live there and am not responsible for XXXX actions. Please remove this from my record.
Product: Credit reporting or other personal consumer reports

I have mailed a notarized Affidavit of Truth to both XXXX XXXX ( see attached ) and The US Department of Education ( see attached ) making it known that no contract exists between me and the corporations XXXX XXXX XXXX XXXX and U.S. Department of Education. The affidavit has remained unrebutted. Unrebutted affidavits stand as truth in commerce. XXXX, Equifax, and XXXX have been falsely reporting an alleged debt that does not exist and is not owed o my credit report which has negatively impacted my credit worthiness and reputation.

In a letter dated XX/XX/year> XXXX XXXX addressed the request as per as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ), however they failed to provide proof of the original contract with wet ink signature. The document ( see attached ) displays a contract from Federal Direct Stafford/Ford Loan/William D. Ford Federal Direct Loan Program with a typed signature and date. I am questioning the legitimacy of the contract and still have requested the following items from XXXX XXXX : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

* Bond number of the licensed debt collector *Furnish the original contract that shows wet ink signature *Furnish the original contract or security agreement showing repayment of alleged debt I requested not to be contacted by email or phone call as well and was still contacted by them via telephone. 

In a separate letter dated XX/XX/year> I was sent a letter from XXXX XXXX stating the alleged account was 90 days or more past due and an outline of consequences of delinquency during on ramp period. 

In another letter dated XX/XX/year> from XXXX XXXX, they stated that their records indicate that the last scheduled payment has not been received and the account is now 11 or more days past due.

Since my initial letter on XX/XX/year>, I have yet to receive any of the information I demanded from XXXX XXXX. 

On XX/XX/year> I certified mailed a final warning to XXXX XXXX stating that if the unverified accounts were not removed, I would resort to taking legal action as per my rights. 

As a result of all information provided, I demand that all account information and personal information associated with XXXX XXXX be removed and deleted and that they cease reporting to credit bureaus
Product: Debt collection

I do not believe actually this debt is caused by me and strongly believe it is wrongful charge that is posted against my credit report. I do not have any documents and never dealt with them in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WI XXXX Email Address : XXXX You are in Direct Violation of The Fair Creadit Reporting Act XXXX XXXX XXXX account # XXXX has violated several oy my Rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right To Privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer repoeting agency can not furnish an account without my weitten intructions, 15 U.S.C 1666B : A credit may not treat payment on a credict card account under an open-end cunsumer credict plan as a late for any purpuse.

Removed these late Payment and updated this account immediately as you are in directviolation of deveral laws under The Fair Credict Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account in the amount of XXXX XXXX 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 
Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
-- OTHER ACCOUNTS -- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Debt collection

LVNV FUNDING LLC {$820.00} I never received a written communication on this debt. I was not made aware of this collection until I pulled my report.
Product: Vehicle loan or lease

I was never provided a date, time or location of the sale of the car. Also I was not given any notice or way to collect my personal property from the car.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to see inaccurate accounts suddenly appear on my credit report, and Im completely baffled as to why. I checked my report as usual, but this time, there were discrepancies that came out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts didnt disappear. Because of this, Im asking that the documents Ive sent be thoroughly reviewed so I can stop living with this constant worry.
Product: Credit reporting or other personal consumer reports

Subject : Request for Resolution of Incorrect Personal Information on Credit Reports Correction of Personal Information : Update and correct all inaccurate personal information on my credit reports, including but not limited to [ specify the inaccuracies such as wrong name, address, or employment information ]. 
Confirmation of Corrections : Supply me with updated copies of my credit reports from all three major credit bureaus ( XXXX, Equifax, and XXXX ) reflecting the corrected information. 
Documentation of Changes : Provide a detailed report outlining the corrections made to my credit reports, including before and after versions of the affected sections. 
Expedited Handling : Address this issue as promptly as possible, as it is crucial for maintaining my financial health and accuracy in my credit history. 
I appreciate your attention to this matter and look forward to a prompt resolution. 
15 USC 1681i - Procedure in Case of Disputed Accuracy : The credit bureau must investigate the dispute within 30 days.

If the information is found to be inaccurate, the credit bureau must correct or delete it.

15 USC 1681g - Disclosure to Consumers : 15 USC 1681b - Permissible Purposes of Reports : 15 USC 1681c - Information Excluded from Consumer Reports : Outdated or incorrect information must be removed from your credit report.

15 USC 1681e - Responsibilities of Users of Consumer Reports :
Product: Credit card or prepaid card

I am a member of XXXX XXXX and I received another alert for a fraudulent Capital One credit application. I am told it was denied because I had a fraud alert set and now have all my credit frozen on all 3 credit bureaus. I contacted Capital One, XXXX XXXX and XXXX as they were the reporting agency for this alert. 

I did not apply for this credit card! I do have an old Capital One account ( credit card ) that I never use anymore but they said there were no charges on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this auto loan, I wasn't late. I request that all past-due payments be changed to " PAID AS AGREED '' and that a DELETION of each late payment be done right away to stop future damage to my consumer credit reputation. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EXPERIAN XXXX  AND XXXX  on XX/XX/2021 to remove all information on my consumer report. As I did not grant permission to furnish any information on my consumer report. All I got was the run around. I have been restricted of living life due to identity theft, because I did not give consent to furnish a report in the first place.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I wrote to XXXX, Equifax, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 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 has violated my rights. 
T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any ab949dv item of information other than records of convictions of crimes which antedates the b.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. 
I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate. 

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- IXXXX XXXX XXXX 2- OPENROAD LENDING One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I wrote to all three credit bureaus about accounts and inquiries that appeared on my credit report that I did not authorize and that were the result of ID theft, an incident that was previously recorded and noted by XXXX, XXXX XXXX and Equifax. Upon learning about said accounts ( detailed in the letter attached ), I immediately notified XXXX, XXXX XXXX and Equifax of the errors that appeared on my credit reports. XXXX   and XXXX XXXX completed an investigation and concluded that the accounts and inquires indeed were reporting in error and thus deleted them. I have proof of the investigation results and deletions from XXXX XXXX dated XX/XX/2018, which is also attached. I also received a letter from one of the companies reporting as an inquiry, XXXX XXXX XXXX , stating that per their investigation, the inquiry and account associated was indeed created in error and they would notify all three credit bureaus. The accounts and inquiries were deleted from XXXX XXXX and XXXX. Only the account and not the inquiry was deleted from Equifax. I followed up with Equifax asking them to verify with proof in compliance with FCRA Section 609 a ( 1 ) a to show me proof of account ownership since they did not remove the accounts and inquiries. Their response was simply " VERIFIED. '' Now with EVIDENCE that the accounts reported were admitted an error by the companies AND all three credit bureaus were notified to delete them, it is evident that Equifax 's negligence of deleting the accounts is willful noncompliance with the FCRA. At this point, I do not want any more " reinvestigations. '' I want the accounts and inquiries noted in the attached letter REMOVED. XXXX and XXXX XXXX did a thorough investigation and removed them. Why is that the ONE credit bureau with the most vulnerable database subject to data breaches and negligent protection of consumer information is the least willing to comply with the law? This is my final attempt to resolve this matter before I file suit against Equifax. This needs to be corrected IMMEDIATELY. 15 days should be enough time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of my Privacy I didn't sign nor consent to them reporting XXXX XXXX. I'm Demanding them to send me Documents, files, and or Statements where I've signed stating I gave them permission to report my Personal Information. I sent them a Cease and Desist With my Demands See Attachments. 15 U.S. Code 1692c - Communication in connection with debt collection they are Directly Violating this section without regard of my Non public information being involved ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Student loan

My federal student loans are currently serviced by Aidvantage. I recently submitted paperwork to consolidate my student loans. At XXXX. XXXX on XX/XX/2023 I received an email from XXXX with the subject line " New document ready to view! '' In the body of the email it says " For your privacy, we have secured this document in your Aidvantage inbox. '' and then it has a big purple button that says " view your document. '' This email appeared to me to be coming from Aidvantage. However, when I clicked on the " view my document '' button it took me to a different website with the URL " XXXX. '' I've never heard of this website. It does not appear to be Aidvantage. My browser flagged this website as unsecure and said " Your connection is not private Attackers might be trying to steal your information from XXXX ( for example, passwords, messages, or credit cards ). Learn more '' and that " This server could not prove that it is XXXX  ; its security certificate expired 137 days ago. This may be caused by a misconfiguration or an attacker intercepting your connection. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several incorrect accounts on my credit file I have contracted them several times XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.