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

I recwntly purchused a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX   Colorado. I am a fist time car buyer so I used their in house finance company " Independent Finance ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, Independent is contractually bound to report payments to the two major credit agency 's, XXXX   and XXXX. This loan was opened on XX/XX/2019 and only one payment so far has been reported on XX/XX/2019 and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with Independent but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the American XXXX so I can begin litigation if these credit issues are not resolved. I believe Independent is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, Independent needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/2019 tells a different story.
Product: Debt collection

Please delete this account from my report on all XXXX credit bureaus. This account has been paid since XXXX 2016 and shows inaccurate information reported there after in my credit reporting.
Product: Credit reporting or other personal consumer reports

I have been disputing a collection account reported by XXXX on my Experian credit report since XX/XX/XXXX. The account in question was paid in full as of XX/XX/XXXX, as confirmed by XXXX. On XX/XX/XXXX, XXXX confirmed that their deletion request was processed and sent to all credit bureaus, including Experian. Despite this, Experian has failed to delete the account, resulting in inaccurate and damaging information remaining on my credit report. Despite multiple disputes ( submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Experian has failed to resolve this issue accurately. 

Instead of deleting the account as requested, Experian has either left the account as a collection with an incorrect {$1.00} balance or reclassified it as XXXX with a balance of {$880.00}, both of which are factually incorrect. This account should not be listed on my credit report at all, as XXXX confirmed that I owe nothing and that they requested deletion in compliance with the Fair Credit Reporting Act ( FCRA ). 

Each of my disputes has included the official Paid in Full letter from XXXX, which clearly states the account was settled and that they instructed credit bureaus to delete it. Experian has ignored this documentation, failed to address the errors, and provided no meaningful resolution to my disputes. This ongoing issue has severely impacted my credit score and financial standing.
Product: Student loan

I started my ordeal of repaying private loans in XX/XX/XXXX. I had the loans in deferment after graduating in XX/XX/XXXX. I called repeatedly to find a payment method that would work as the loans required payments of {$1600.00}, which is well over my take home pay each month, even with working 40+ hours a week. They told me there was nothing they could do to help me because, " You have n't missed any payments yet. '' Well due to life long medical issues and XXXX I was medically XXXX for a few months and then of course I had no choice but to start missing payments as I could not afford them anyway. So, I did n't pay and waited for the battering of calls that were excessive and aggressive, calling my family members that were in no way related to my loans and I 'm not even sure how they got their information. I listened to the voice mails and called them back repeatedly trying to find a lower payment or some solution. However when they finally offered me a plan, a year later in XX/XX/XXXX, that required only {$350.00} a month, I 'm sure for the next 500 years, I asked if I could receive the proposal in the mail or PDF in order to read what I was agreeing to prior to giving away bank account information. I was forwarded to a supervisor who cursed me out and told me she never heard of something so absurd as wanting the documentation prior to signing up for the plan because, " It is your obligation to make the payments, we do n't have to offer you any assistance then the whole loan balance will be due. '' Well feeling beaten down and very confused as to why my rights to read what I 'm agreeing to before I sign up were being taken away I am reaching out to you at the CFPB to help shed some light on this and warn others from going anywhere near XXXX/Navient.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 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

i want them to be removed. 

XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity ThefXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft WF BANK NA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to get rid of all inquiries that are listed under XXXX
Product: Money transfer, virtual currency, or money service

A woman stole my money order after it was mailed ( by the USPS on XX/XX/2020 at the XXXX XXXX location XXXX XXXX,XX/XX/XXXX XXXX and " washed '' out my name and her an alias of her name on the pay to order line and endorsed it using her real name. She used the Wells Fargo mobile banking to deposit my money order into her account. 

I reached out to my local police department who directed me to FTC.GOV to file a complaint. I contacted Wells Fargo but they refused to help me with this matter because the police are supposed to go through their channels with the fraud department, so they won't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately
Product: Vehicle loan or lease

I have been a very long term loyal customer of Hyundai and KIA. I have leased or purchased 7-8 Of their vehicles over the last several years. I have been very happy until now. 
Last month I was a victim of a hit and run accident on the freeway which totaled my leased XXXX XXXX. I was on payment 30 of 36. My payoff on my account shows XXXX for insurance claim. My insurance company paid XXXX which is the XXXX they determined of XXXX deductible. Which means I should get a refund of XXXX. XXXX XXXX. Thats how this works in my world. Instead, I get a call that I owe them another {$500.00}??!! What?? They say its for my deductible. They tell me when a leased vehicle is totaled they dont go by the payoff. They apparently can just come up with whatever number they want. Whatever the Insurance company sends them they can say, YAY! I will keep that!! Well thats absolutely ridiculous. I maybe could understand if I had just bought this car but I made all but 6 of the payments which is reflected in the payoff. If I had bought this vehicle and not totaled it this is the amount I could have purchased it for. Whats the difference? I was expecting I would receive a refund to offset some of the down payment I had to place on my new vehicle. We live in different times right now as far as vehicles go. To just be able to come up with whatever payoff you want if a car is totaled is absolutely ridiculous and should be illegal. If its in soma fine print somewhere nobody Pointed it out or nobody would lease m. Its ridiculous. Why would I want a higher claim against my insurance than what I know I owe on a vehicle. Makes zero sense and this company is taking advantage of insurance companies. 
I sure hope you can help rectify this situation. I sincerely appreciate your time. I can attach my account showing my payoff that was through XX/XX/15. As well as my insurance company documents. The first rep from your company told me that I shouldnt be able to see what the insurance company buyout quote was so she was going to make a ticket with IT. Thats very shady if you ask me. Cars are far more expensive now than they were 2.5 years ago when I bought this vehicle. I cant buy the same vehicle for the same amount of money. My payment on my new vehicle is almost double. 
Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX 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 XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I paid for a hotel stay with my CITI Credit card and was billed twice by XXXX XXXX. I submitted a charge back for the duplicate charge and figured it was resolved. A couple of days later, i received a communication from CITI that they have concluded their investigation, and that the determined that the charge was correct. When I looked at the attachment, i noticed that XXXX XXXX included a one page print out stating that I was a no show for the stay. My complaint was for a duplicate charge, i did agree with one of the charges. I proceeded to respond to the denial of claim, and write out a moment by moment account of what happened. Essentially, i called and asked for a room at XXXX XXXX, the said the could hold one if i gave them my credit card. I gave them my number, and when i showed up to the motel, they swiped it again. This is how i was charged twice. CITI responded with saying that they believed that the other charge was the incorrect one, and sent it XXXX XXXX. XXXX XXXX responded with my booking information, my name and my stay and CITI again reversed the charge and said that their investigation was complete ruling against me. 

I believe CITI Credit Card 's incompetence is harming the public. By blindly rubber stamping any reply from merchants i believe CITI is allowing merchants using their CITI 's services to commit fraud against the public. Based on XXXX XXXX 's response i believe XXXX XXXX is intentionally trying to double charge people, and utilizing CITI credit card laziness to facilitate their fraud of the public.
Product: Credit reporting

I disputed items on my credit report that either did not belong to me or were not reporting accurately. I only asked for the items to be removed or updated. I received a response of verified from creditor but NEVER received proof of verification that the items in question were mine or reported accurately. It is by law my right to receive this information or I demand that the following items be removed or updated : XXXX XXXX XXXX - I HAVE NEVER had a payday loan and I DEMAND proof that I applied for and received these monies or remove it from my report. 
XXXX XXXX XXXX - I was a co-signer on the vehicle. I should have been removed. I have demanded a resolution to this matter and it is being ignored.
Product: Debt collection

I checked my credit and saw an account from XXXX. I never receive any correspondence about this debt or how to dispute it. I am a military spouse and my husband was recently killed overseas. I am homeless and have to find housing for me and kids.
Product: Credit reporting or other personal consumer reports

i have inquiries in my credit report but not authorized
Product: Debt collection

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

They are billing me for insurance from a company I requested a quote from, quote wasnt competitive and I stayed with my existing Insurance Company. Not sure how this company has come to collection on my credit. I wasnt notified by mail prior to the item entering my credit report. 

Company Fails to Remedy the Account and Continues Collection Efforts when the Account is not valid
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I am completely at a loss for how this happened. I regularly monitor my report, and its always been accurate until now. I refreshed the browser hoping it was a mistake, but nothing changed. Im desperate for someone to review the documents I submitted and resolve this so I never have to go through this again.
Product: Debt collection

Resurgent Capital Services XXXX, has been falsely, reporting, negative information to the credit bureaus, claiming, that I owe them money. 
I have never entered into any agreement with them, ( legal or written ), I've never signed any papers with them ; however, this negative information has devastated my credit file. It has also been removed from my credit report on multiple occasions, but LVNV Funding will pick it up begin reporting it.

I have uploaded documents as to where I'm asking for proof of my own any monetary settlement, as we as proof of me owing them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an inquiry on XX/XX/2023 from Regional Acceptance. I have disputed the inquiry twice prior to this and the company claims there is no inquiry on my report. They have requested my credit report to further investigate although I provided a screen shot from XXXX of the inquiry. The inquiry remains on my report. I never requested credit from this company, nor did I allow permission to this company or any other to obtain information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request dispute with credit online not resolved fraud
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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: Debt collection

I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attached documents to understand what happened to me and my credit report.
Product: Credit card

i have been charged late fees for my care credit card that has been paid down to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters of a formal complaint and notified them that they are in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I request that these inquiries be removed. I am not informed about them, and the company acted without my permission.
Product: Checking or savings account

I recently opened a checking account with Capital One. My debit card this week and I received it. I have been doing some international transactions with my money, because my home country is XXXX and I need to send money to my family over there. 
On XX/XX/XXXX, I made a transfer through XXXX to XXXX, but yesterday I received an email from Capital One saying that my account would be investigated and could be permanently closed. 
Because of that email, I canceled the transfer made through XXXX and now I'm waiting for the refund, which will be done through Capital One in a few days. 
Today I called Capital One a few times trying to understand the reason for canceling my account and trying to get this account back, but they could not explain the reason for cancellation and did not give me an answer if the account could be reactivated. They just informed that they decided to cancel the account definitively. 
I would like to recover my account because I understand that the transactions I made were correct, I didn't do anything wrong. I'm just moving my own money. 
I am a XXXX  and I am doing an exchange program in the United States of America, I have a visa ( XXXX ) for the XXXX Pair program.
Product: Credit reporting or other personal consumer reports

A new car was purchased and in that agreement there was a vehicle traded in. The loan held by XXXX XXXX for the vehicle traded in was paid off in full and a refund issued for the overpayment. The dealership later decided that they made a mistake in the deal with the new transaction. When I refused to accept different terms ( high interest rate and cost ) they retroactively reinstated the original loan on the vehicle that was traded in. That vehicle was already in their possession and remained in their possession at all times. I asked for paper work proving that I agreed to start a new loan ( since the previous one was paid off ) on the vehicle I had traded in and they ignored all request. XXXX XXXX showed the loan as paid and I was unable to make payments if I wanted to. When I asked XXXX about it, they said it was an issue with the dealership and I had to take it up with them. The dealership, XXXX XXXX XXXX out of XXXX, Idaho, refused to provide any documentation for what they did. They held the car the entire time as well. They eventually reported it as a charge off which caused me to lose almost XXXX point on my credit score as well and reduction in credit lines with credit cards I already have. They still are refusing to provide any paperwork showing they were authorized to do this. 

The vehicle transaction occurred in the company name but I was a personal guarantor
Product: Credit reporting or other personal consumer reports

Equifax not reporting a credit score or producing a credit report. 

This is hinderig me getting funding for a vehicle for my XXXX XXXX XXXX daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Product: Checking or savings account

I filed XXXX claims Claim ID : XXXX for XXXX XXXX $ Someone bought XXXX using my account and the bank refused to lend me anything back. I filed reports immediately and swapped my card, but no action was ever taken.
Product: Money transfer, virtual currency, or money service

I disputed unauthorized transactions and cash app refuse to give funds back. They did not help at all and i couldnt call them.