23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Drive Time has to be the worst company by far. After being harassed the first time around the company still can not get it together. I had to put money in to my car which my warranty did not cover, I faxed all the information requested months ago for deferments which the people I spoke with several times had stated was approved. But due to a payment becoming a few days late because my account was froze due to fraud they did not process the deferment. Which is causing it to show that I am behind {$700.00} + on my credit report. So when I contacted them again after numerous times of keeping in contact they told me to call back at the beginning of the month to start the deferment process over again. Well I called today and of course they could n't do it for the full amount they stated they would before and I have to fax where I had the repairs done again with the receipts ( which I do not have because I already faxed in to them once ) before they would do anything. I advised her that I do not have those why did her company not keep them on file and she stated they have no place to store them. Company 's usually keep records of these types of things but apparently not drive time. They go out of there way to make it difficult for anyone. Granted I have had this car for almost 3 years and my loan has n't budged due to the interest they charge. The car is falling apart and the company refuses to work with you. They can just have the car back. Its not worth the hassle or the headache or {$470.00} a month. All they do is take advantage of people and ruin there credit even more. I have recorded each call and plan on speaking with my attorney again due to this situation. Others should know how horrible of a company they are.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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Product: Credit reporting or other personal consumer reports

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have repeatedly called CBS to ask for a hard copy itemized statement as to the six accounts showing as delinquent medical bills over the last two physical years. These accounts begin to show at the end of XXXX and no contact was made until mid XX/XX/XXXXwhen the annual credit report was printed. 
The dates and amounts are as follows : XX/XX/XXXX {$760.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} These are all reported at " XXXX XXXX XXXX XXXX '' ( XXXX ) I have called billing offices at XXXX they tell me both at the local, XXXX KY office and at their headquarters they have zero accounts showing in collections or otherwise. To their knowledge these accounts never existed.
Product: Mortgage

I re-financed with XXXX Bank, from Bank of America, on the last day of my 70 day rate lock XXXX/XXXX/15. Bank of America ( former mortgagor ) representative showed up an hour late, without proper documents. I was forced to pay title company an additional {$550.00} because of this. Bank of America had 70 days to locate my documents. Bank of America should be responsible for this cost. I already paid this title company {$3200.00} in fees.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform, Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. Zelle has neglected to protect its users.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX  XXXX Account XXXX Balance : {$1900.00} Must be deleted 2 ) XXXX XXXX XXXX XXXXXXXX Account XXXX Balance : {$9100.00} Must be deleted Experian is reporting these companies listed above on my credit report for 10 years now. XXXX and XXXX have already deleted these Items off my credit report. Experian is still reporting these two accounts which is violating my consumer rights. By law, credit bureaus are only allowed to report negative items for more than 10 years. These accounts most be DELETED NOW.
Product: Credit reporting or other personal consumer reports

I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.
Product: Debt collection

I have answered their harassing calls and called them. I have ordered from them in the past but always paid immediately via XXXX. I never charged anything. I had to block their calls. They called many times a day. Today I received a written bill. I called them but was not happy with their response. They asked for more info than I was willing to give. The bill they sent refers to an account number allegedly XXXX numbers long but they only printed the last XXXX numbers. It looks like this ****, ****, XXXX At first the calls identified as comenity bank. Never heard of them. After many calls they finally said it was from XXXX XXXX. I repeatedly told them this is not my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I purchased my vehicle on XX/XX/2021 at XXXX XXXX in XXXX, WI. And when they were filling out the papers, they told me that they included many things in the warranty that were free and I told them that I didn't want them, that I only wanted the XXXX in case of an accident, but they continued and included things that I didn't want. XXXX weeks later I went to have them removed and they did not agree and I also called XXXX and they told me that even if I removed them the payment would remain the same. I considered it to be a scam. But until I saw about this lawsuit I thought that no one could help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$360.00}.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. BANK OF AMERICA XXXX XX/XX/XXXX Balance {$970.00} ; 2. BANK OF AMERICA XXXX XX/XX/XXXX Balance {$4500.00} ; 3. BANK OF AMERICA XXXX XX/XX/XXXX Balance {$12000.00} ;
Product: Mortgage

I pay my loan every month, until they increased my payment due to my escrow, they have paid a hazard ins, flood insurance and taxes then they placed lender placed hazard insurance, It has caused an increase in my monthly payment of a XXXX dollars, they will not tell me who they made hazard payment to, if they did then why did they place lender placed insurance. I have one insurance company that is mine called XXXX XXXX, this mistake in my escrow is causing me to be in default, Nobody at Shellpoint will help to resolve or even investigate to resolve this issue please please help me
Product: Credit reporting or other personal consumer reports

There is {$130000.00} in student loan debt on my credit report which is incorrect. I do not have {$130000.00} in student loan debt. The department of educationXXXX has student loan debt on my credit score for {$67000.00}. The department of education is also operating under another name WHICH IS XXXX/Department of education and are now reporting on my credit report incorrectly and have attached another {$66000.00} in student loan debt onto my report but this is all incorrect. I believe that this is illegal because it is fraud. The department of education is trying to collect double the amount of only one debt that was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions over the past six months, beginning XX/XX/2021, I've attempted to contact Equifax to get personal information and unauthorized inquires removed from my profile with them. I am repeatedly ignored. 
Per the FCRA, only accurate and updated information is to be on any consumer report. I've sent letters and I've tried to call. Equifax refuses to comply with FCRA guidelines and is violating my consumer rights. 
First, they have an inaccurate address listed that they refuse to remove even though I've sent proof of what my address is. Second, they refuses to remove the personal 'statement ' they've placed on my file even though I did not ask or authorize said statement. 
Third, they refuse to remove the inquiries I've addressed even when I've sent them copy of FTC report and copy of corresponding FCRA section that pertains to removing unauthorized inquiries. In fact, instead of removing the inquiries they placed a fraud alert/freeze on my report that I did not ask for or authorize.
Product: Checking or savings account

Citibank closed my account without giving me any reason. When I stop by the branch, I was told that I was trying to cash invalid checks which turned out to be legit checks from my employer. Citibank still closed my account and now bank is not releasing my fund immediately. I called multiple times and I was told to wait XXXX day to access my fund. Currently all my fund is stuck in the account and I am in dire need of cash immediately. Every-time I call, I was told same answer to wait XXXX  days. 
I called atleast XXXX times and stopped by branch twice without any resolution. 

Account closed on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9500.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Loan with XXXX is not NOW nor was it previously being reported timely, there is a consistent XXXX ( XXXX ) month lag and at a XXXX Dollars a month [ inclusive ] that would both reduce my Balance and up my equity but at the end of the day it would ACCURATELY be reflected in the current Credit Score [ XXXX ]. 

The prior error of misapplication of Funds has been resolved. BUT XXXX is NOT and has not been accounting for payments received by them ( the account is presently paid until XX/XX/2023 while my report reflects only payments through XXXX ) in a timely manner STILL. 

Early payments PAID MUST be accounted for in real time. JUST LIKE balances must be updated monthly on Credit Cards so must outstanding balances on Auto Loans. So the fault is twofold the Reporting Agency : ( 1 ) Reporting Agency, in this case Experian, refusing to submit [ again ] part of a prior dispute to BOA which to this day has not been corrected, and, ( 2 ) XXXX  for not timely reporting ALL payments received and " cashed '' thereby affecting the " current '' balance and payments through 2023.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following accounts were not opened by me and should be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4400.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$820.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Information listed on my credit report does not belong to me. Credit reporting agency has not verified information in accordance to law prior to reporting on my report.
Product: Credit card or prepaid card

Wells Fargo credit card prepaid card. Missed a payment, got a lot of late fees and interest fees. Tried to reason with Wells Fargo customer service to lower the fee amount and pay off the credit card. They refused and sent it to collections. Over {$3000.00} dollars in fees and interest. Dates are between XXXX XXXX current
Product: Credit reporting or other personal consumer reports

There are addresses in my report that are not mine or never been mine.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX "
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Product: Debt collection

My concern arises from XXXX 's false and misleading representation, as well as their use of unfair and unconscionable means to collect an alleged debt. It is clear that XXXX has mischaracterized this situation by referring to the alleged debt as an " account. '' The term " account '' has specific legal implications, as outlined in 15 U.S.C. 1693a ( 2 ), and XXXX 's misuse of this term is both misleading and unlawful.Furthermore, my complaint addresses a broader issue related to debt collectors ' practices. When a debt collector places a tradeline onto a consumer 's credit report and makes an inquiry or permissible pull under 15 U.S.C. 1681b ( a ) ( 3 ) ( 4 ), the definitions in 15 U.S.C. 1681a become applicable, including the definition of the word " account. '' Debt collectors often assert that they have a permissible purpose to obtain a consumer report and place a tradeline onto a consumer 's report because they claim that the consumer has an " account '' with them. However, as per the law and the specific definition of " account '' in 15 U.S.C. 1693a ( 2 ), no consumer has an " account '' with any debt collector.In accordance with 15 U.S.C. 1693a ( 2 ), the term " account '' is explicitly defined as follows : " The term 'account ' means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open-end credit plan as defined in section 1602 ( i ) of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement. " It is abundantly clear from this legal definition that no consumer has an " account '' with a debt collector by operation of law. Credit Corp Solutions Inc misrepresentation of the term " account '' in their collection attempts is not only deceptive but also in direct violation of the Fair Credit Reporting Act ( FCRA ) .I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Credit Corp Solutions Inc for their misleading and deceptive practices. Furthermore, I request that you provide guidance and oversight to ensure that debt collectors adhere to the accurate and legal use of terms, particularly the term " account, '' when attempting to collect alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced identity theft early this year. I have a inquiry on my EQUIFAX from XXXX. 
EQUIFAX received my letter XX/XX/XXXX. I just checked my credit report, and that inquiry is still on there. 
I disputed that and I also disputed a incorrect name variation : XXXX XXXX XXXX My name is XXXX XXXX XXXX Please help, Thank you
Product: Credit reporting or other personal consumer reports

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached letters to my complaints regarding the report that should not be in my file.
Product: Mortgage

My mortgage that was with United Wholesale Mortgage was paid off XX/XX/XXXX. There was roughly {$7200.00} in my escrow account at the time. It is my understanding, the Company has 20 business days to refund any balance in our escrow account. Today, XX/XX/XXXX, I check the account to see if the escrow funds were disbursed. The account history shows the funds were disbursed XX/XX/XXXX. Not counting holidays or weekends, the check has been in the mail for 6 business days. This is too long. So I asked customer service if the check could be reissued and she said no, they must wait 30 days before they can even consider re-issuance of the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY BIRTH CERTIFICATE AND PROOF OF ADDRESS TO THIS COMPLAINT The following accounts are being reported onto my consumer report illegally and without my consent. 

XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX US DEPT of ED Account # XXXX *Please see attached documentation