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

On XX/XX/XXXX I made a purchase at XXXX 's XXXXXXXX XXXX in XXXX, KY. I used XXXX XXXX 90 day same as cash to make this purchase of {$300.00}. On XX/XX/XXXX I received notice that my loan was sold to Monterey Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I paid them the total amount of the same as cash loan, {$300.00} via XXXX XXXX on XX/XX/XXXX. At that time I went back to the on line account with Monterey and found that my account of paid and thus closed. Yesterday I received a call that I was past due on my payment of {$62.00} and my account was back open. This was a 90 day same as cash loan. It was paid off in just 2 weeks and this company is now trying to get more money out of me. This is wrong and has to stop. It is beginning look like a scam.
Product: Vehicle loan or lease

I have an issue with M & T bank I financed a vehicle going back XX/XX/2013, I set up automatic payment An authorized the bank To withdraw from my bank account every single month The payment that is due for my finance the vehicle, in beginning of XXXX I inquired To take out a loan shockingly I see on my report That M & T bank is reporting me to the credit Bureau that I was late, I reached out to M & T bank For explanation And they respond to me That I did not pay the last Payment So I told them That I authorized M & T bank to take Out from my bank account Every single month for the monthly payments they did not withdraw the last payment And then they are blaming me for not making payment I need this derogatory items removed from my report as soon as possible. The reason I set up automatic payment So I shouldnt be in this position That I was late On a payment And here I am in the situation that I did not want to be Do the negligence Of M & T bank not reaching out to me And not withdrawing From my bank account which I authorize them In the beginning of my Finance Contract. 

I filed a complaint already last week And M & T send back wrong Documentation a wrong Vin number Wrong year make and model my other complaint number is XXXX
Product: Mortgage

My company, freedom mortgage, has willfully ignored my changing tax status and my charge of hone Insurence. Theyre charging me as if nothing has changed. Overcharging me on my home Insurence by over 1000 and overcharging me in taxes by XXXX. Theyve also failed to apply my homestead credit for over two years. 

This has been ongoing for over a year. Now theyve even held my payment and not applied it to my mortgage. The payment has continually ballooned to where its now over {$700.00} from my original payment. They have repeatedly assured me that theyve applied my changes but every month it stays the same and i have to call and repeat the process, sending I the same documentation over and over again in what feels like an endless cycle. 

Its my belief that theyre deliberately trying to force me in to foreclosure by ballooning my payments and continually ignoring my changes in Insurence and property taxes
Product: Debt collection

Case # : XXXX In XXXX, I filed motion to vacate judgment and I won. judgment was removed and the debt was dismissed. 
The collector filed a lien in XXXX and XXXX and they were supposed to remove the liens off my property, but they did not after winning the judgment in court. 

collectors did not file lien release with the sheriff department to remove the lien off my property. 
The collectors have filed two liens on my property for the same debt/case number. XXXX in XXXX Both liens must be removed immediately and theyre not returning my phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX 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 card or prepaid card

Will they havent put my money back on my card was being use some one took my information from my card n use it was a XXXX XXXX Card reader
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute requesting information on the debt to XXXX and XXXX XXXX XXXX the debt has not been validated no document has been sent verifying any information. 

No copies of a signed agreement or history of payments made to the company has been sent. 

Requesting if this debt can't be validated for it to be removed from credit records as it is hurting my credit.
Product: Debt collection

This was not sent in error XXXX XXXX XXXX  consumer by law at XXXX XXXX XXXX XXXX XXXX  misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Vehicle loan or lease

Please investigate and suspend USAAs banking operations! They prey and take advantage of XXXX  veterans, even during this covid 19 pandemic
Product: Credit reporting

I submitted a dispute on XX/XX/2017 and still have not have had a decision told to me. the confirmation number of the dispute from equifax is XXXX.
Product: Debt collection

In XXXX ( I do not have an exact date for the first two calls ), I began receiving robo-calls from Citizen 's One ( XXXX ) regrading an auto-debt owed by someone I do not know. Over a year ago I had also received debt collection calls for this person, but they stopped after I informed the company that I did not know him. However, this time I have received REPEATED phone calls for this person even after I have informed the company multiple times that I am not and do not know him. I have been questioned aggressively about whether or not I'm *sure* I don't know [ the guy I don't know ] basically every time. I also let them know that I am a teacher and they keep calling me during school hours. I even had my CLASS inform Citizens One that I am not [ the guy I don't know ], but I still get calls. 

Today, I received a call from XXXX for the same person. The caller would not identify what organization she was from when I asked, only asked if I was [ the guy I don't know ]. I told her that I am not him, I do not know him and I have repeatedly asked them to stop calling me. She said she would remove my number from their calling list. However, I AGAIN received a voicemail from their robo-dialler.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX 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 XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have {$600.00} worth of Vanilla Visa cards that I have been unable to use. Every time I attempt to use the card online, making sure that the balance of the purchase is lower than the balance of the card, the card gets declined. I have attempted to call Vanilla customer service at XXXX, but I end up on hold and no customer service reps ever answer.
Product: Credit card

Placed my credit card on monthly payment plan many years ago due to financial hard ship. Plan allowed one payment holiday per 12 month period if paid according to agreement, with proper notification to Chase bank. DUring the 5 years, I took XXXX payment holidays, with notification through the Chase on-line access. Chase has these notifications. After the last XXXX, Chase reported my account 30 days delinquent. I filed a complaint, and paid off the account. After review, they reported me late for 6 months, then 90 days late for 1 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw one hard inquiry rencently from Cap One from XX/XX/2018. I didn't apply any capital one credit card at all.
Product: Credit reporting or other personal consumer reports

The account was opened as fraudulent I don't have any contract with XXXX XXXX XXXX I request them to be deleted from my credit report for accuracy reporting.
Product: Mortgage

Approximately XX/XX/2021 I applied with Better.com mortgage and provided all documentation asked promptly for a refinance ( XXXX XXXX XXXX XXXX and for a home purchase ( XXXX XXXX XXXX XXXX ). Both were denied due to " insufficient income ''. 

I provided proof I have a XXXX XXXX monthly IRA distribution. 
I provided proof I have XXXX XXXX  monthly gross rental income ( or XXXX XXXX monthly net after mortgage payments ) for a total XXXX XXXX monthly income. 
I provided proof I had over {$65000.00} in my checking/savings account. 
I provided a signed 2 year lease for XXXX XXXX monthly from new tenants on the pending home purchase. 
I provided proof I had {$480000.00} in my IRA. 

After I was denied my application for the home purchase, I paid {$280000.00} cash for the home I was hoping to get a purchase loan from Better mortgage. 

My intentions to obtain a refinance and home purchase were both denied due to insufficient income which is absurd. 

My credit score is also excellent, credit card usage is approx 3 % and all of this does not make make any sense to me why I was denied. I feel strongly I was discriminated against because of my race because nothing else makes sense to me. I clearly am credit worthy and have ample income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX. Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report at the start of the year and noticed that one creditor, Navy Federal Credit Union, Opened : XX/XX/XXXX, was listed as a charge off as of XX/XX/XXXX with {$20000.00} written off. 

I sent a certified letter ( Copy Enclosed ) to Navy Federal Credit Union, requesting a 1099 ( C ) on XX/XX/XXXX for my tax filing purposes. As of this date, I have not heard from Navy Federal Credit Union nor have a received the requested document.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX  Bankruptcy : Bankruptcy Date Filed XXXXXXXX XXXX XXXX Reference Number XXXXXXXX XXXX XXXX  XXXX ( Original Creditor Name : XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX  Balance {$1600.00} XXXXXXXX XXXXXXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXX
Product: Vehicle loan or lease

I submitted a prequalification form through the GM Financial website ( Form located here : XXXX XXXX XXXX  ) This form requires you review a disclosure prior to submitting the prequalification form. Part of that disclosure states : " The words I, me, you, and your means the person submitting this application. 
I am providing permission to GM Financial to obtain a consumer report on me, the consumer per 604 ( a ) ( 2 ) of the FCRA The consumer report as well as any information in or derived from the consumer report will only be used in connection with the prequalification Obtaining the consumer report will result in a soft inquiry posting and will not affect the consumers credit score The consumer report as well as any information in or derived from the consumer report will not be used in connection with a credit application Financing through GM Financial is only available through participating Dealers. If you are pre-qualified for financing, you must contact your selected Dealership to select your vehicle, apply for credit and finalize your transaction.

GM Financial will evaluate your prequalification eligibility on behalf of the dealer you select and transmit the information provided in the prequalification application to the GM dealer you select, and transmit the contact and vehicle information you provide to GM. We recommend that you check the privacy statement of GM and the GM Dealer you select before providing any personal information. The GM Financial privacy statements and online privacy policy can be found at XXXX : XXXX You agree that you are providing your written instructions to GM Financial under the Fair Credit Reporting Act authorizing GM Financial to obtain information from your personal credit profile or other information from XXXX. You authorize GM Financial to obtain such information solely to conduct a prequalification application review. The consumer report as well as any information in or derived from the consumer report will not be used in connection with a credit application. "
Product: Debt collection

I am extremely disappointed to inform you that the information on my credit report is incorrect and lacks sufficient evidence to verify its accuracy. The discrepancies identified could significantly impact my financial future, and I am writing to formally dispute and request the immediate removal of the inaccurate items from my credit report. Upon reviewing my credit report, I have found discrepancies related to the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX. I have previously requested verification of these items. However, the information provided has been insufficient and inconclusive. I have lost all patience with the credit bureau 's lack of responsibility and accountability in reporting accurate information under the Fair Credit Reporting Act ( FCRA ). I demand that you conduct a thorough and immediate review of these disputed items and, in the absence of adequate verification, proceed to delete them from my credit report. Failure to comply with my request will result in legal action against the credit bureau and any other party involved in reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had a offer that say I would be fine but preapproved for a loan and XXXX different hard inquiries put was put on my report dorming my XXXX XXXX by XXXX points. Then they stated that I was not eligible.
Product: Debt collection

I am a victim of Identity theft. An account was opened using my name on XX/XX/year>, please have them remove this account from my credit report and do an investigation. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this error now a few times and XXXX is not addressing my dispute. This is inaccurate and false XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am missing one of my XXXX XXXX Credit Card account on my Experian Credit Report. My account from XXXX XXXX : XXXX is not reporting on my Experian credit file. The account disappeared off the file about 3 months ago although it is still open. The account has a credit limit of {$2000.00} and this is affecting my credit utilization rate tremendously. I need this problem fixed as soon as possible.
Product: Credit card

It all started with my son, XXXX XXXX XXXX. They sent my son the statement first, calling him numerous times. He spoke to many customer service agents. His ss # never matched their records. No help was done. Then one day they spoke to me, asked me information and my ss #, my number did n't match also. I told them when was the account opened? They said XX/XX/2007, well my son was only XXXX years old at that time. I told them do you give credit cards to kids that young? Never again did they call or statements being sent. I tried to get on my moms beneficiary for her bank account, of course it was Chase bank. They told me I could n't apply because of fraud. They showed my ss # with the same account number my son had with the same statements they were sending to him. As of today, I called my bank, XXXX XXXX XXXX they show no fraud on my accounts. But its on my credit report, XXXX. I also spoke with Chase bank they told me to send my information to XXXX. It was all good.
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 XXXXXXXX XXXX. FIRST CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit card or prepaid card

XX/XX/XXXX found 5 fraudulent charges on my Capital One credit card. Immediately reported to Capital One and was told the charges would be marked as fraudulent and temporarily reversed from my account. 

Upon checking my next statement, I saw the charges were still on the account, and called again. I was told that due to an error in the system, they had n't been noted as fraud and that they now would be so marked so the investigation could begin. I was also told I would receive a letter from the fraud department, which I never received. 

Today (XX/XX/XXXX ) I received an email notice that my payment was late and that I had been charged a {$27.00} late fee. Upon speaking with a fraud supervisor, I was again told that the charges had never been marked as fraudulent and that they would do so now so the investigation could begin. I have an excellent credit rating and payment history, have not used this credit card in several years, and am frustrated with Capital One 's inability to solve such a simple issue and repeated claims of their system being at fault.