23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Has credit reporting from XXXX XXXX listed as XXXX days late for every month on credit report. Showing as missed payments for every month during that time period. In XX/XX/XXXX, I entered into an extension agreement with them, and since then, they have reported the account as late or behind, showing that i have XXXX missed payments, when you can see in all of the payment transactions that payments were made to them every month since
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TRS Recovery Services I do not appreciate the constant harassments and threaten from TRS attempting to collect a debt that is not mine and I will not paying. I have attached my cease and desist to TRS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. XXXX  XXXX XXXX {$2500.00}, XXXX {$4600.00}, XXXX XXXX {$4600.00}, and XXXX XXXX {$280.00}. Documents have been submitted to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have attempted to order credit report several times ... all other agencies provide info online without so much hassle ... why is it necessary to download identification to this group??? 
Also, my credit score is near perfect with the three major credit reporting agencies, but with SageStream, about mid level?????? Have NEVER paid late, lots of credit, no reason whatsoever for this score ... they only want to communicate via USPS mail and refuse to mail all personal information! Too risky! Please investigate! Seems pretty shady they are allowed to give these low scores ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXXXXXX XXXX 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 an 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: Credit reporting or other personal consumer reports

XX/XX/2024 I found disrepancies on my report with Trans Union, XXXX, XXXX Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Credit reporting

The inquiry on my credit report was not mine. I called the company and their response was it was you and it will be removed when it ages two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an identity theft report with the three credit bureaus but some of the information is still on my credit report despite it being more than two weeks since I filed the FTC report with them.
Product: Debt collection

Hello, five years Ago, I was victim of a identity death, someone stole my informations and applied for different credit card and loans that I was not aware about it
Product: Credit reporting, credit repair services, or other personal consumer reports

At purchaae, the car was not reprogrammed to clear out other owners information. I was not told by a previous accident. I emailed the customer service person and inquired if there was something wrong with the vehicle, she did not respond. I emailed the extended warranty company and sent me the information needed that should have happened at the finance table.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian lowered my credit score by 16 pts when XXXX and XXXX raised the score over 40 pts using the same data in XXXX 2017.experian refuses to reconsider the matter nor would they explain why they lowered the score
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that my information was stolen. Someone has used my identity and opened these accounts. XXXX XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX {$15000.00}. I have filed an ftc report and spoke with the creditors about these matters and they have refuse to remove them. I did not open these accounts and I have never used these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I accessed my credit report from XXXX XXXX and they reported mycredit scores of XXXX for Trans Union and XXXX for XXXX. only 5 days ago my scores were XXXX for Transunion and XXXX. I was concerned as to why i dropped 36 points in less than a week so, i called TransUnion. They would not tell me anything except that I should pay them {$9.00} and they would give me an explanation. I told them that this was absolute robbery and I am suffering because of their error. I am trying to buy a condo and my interest rates will sky rocket unless they correct my score. 
I am XXXX XXXX XXXX and worked very hard to get a good credit rating, not great but good.I have not been late in any of my credit cards or loans in the past several years and resent their being so nasty to me on the phone. 
I strongly feel that they owe me an explanation, free of charge and until they correct this I want to put a freeze on my account with them. I do not want them to report on my credit to anyone. 
Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Student loan

I am writing to ask that Firstmark Services a Nelnet company provide me information on how to apply for cancellation of my private student loans on the basis of fraud and misrepresentation by the school my loan is for, XXXX XXXX XXXX XXXX. I am entitled to a process for private student loan relief because of my schools misconduct. I was lied to about job placement statistics and the school pressured us in a predatory way to take out loans and sign up for school. This is well known and federal loans have already been forgiven via borrower defense cases against XXXX XXXX XXXX XXXX via the Sweet vs Cardona class action lawsuit. Our private loans should also be forgiven based on a proven record of fraud and misconduct.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX has given place a address on my account linking me identity to someone else in their database. 
I have copies of when I paid my account and this very different address comes to my email stating that this is my personal information. 
I have never lived here and Bridgecrest has made this mistake. 
I have proof that this was a continuous problem that Bridgecrest never updated their database mixing accounts together. 
I know Bridgecrest would tell me about their system was down and having problems taking payments and sending out reminders and confirmations to customers in the past. 
But never not one letter stating that there was a data breach and offering any resolutions to resolve this identity problem about my account.
Product: Debt collection

XXXX debt collectors keeps calling and texting me. I keep blocking the calls. I refuse to give them any personal information by talking to them.If they dont have the information then its not legitimate. I see many complaints about these people online. I have never received any kind of billing from them. I watch my credit all the time so i am assuming its XXXX XXXX debt collecting on a debt that has passed statute of limitations. I want them to stop and desist I have no debt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary of Issue : JPMorgan Chase Bank, N.A. ( Chase Auto ) has reported account delinquencies for a closed auto lease account without notifying me of any amount being owed and they have continued to refuse to provide an invoice or statement to me for the amount supposedly owed. The credit bureaus have since downgraded my credit rating and the delinquency is published on my credit reports. 

Description of dispute : I entered into a 36-month vehicle lease with XXXX XXXX XXXX ( JPMorgan Chase Bank, N.A. as assignee ) on XX/XX/XXXX. I made all 36 monthly payments associated with this account in-full, returned the leased vehicle on-time, and I have never received notice of an additional amount being owed via mail, electronic mail, or otherwise. My account with Chase closed the day that I returned the leased car and I have not received a statement since I returned the car to the XXXX dealership. 

On XX/XX/XXXX, the day before I was due to leave on my honeymoon, I received a notification from my XXXX  credit monitoring service that Chase had reported a past-due balance of {$1600.00} on my Chase account and that the account was at least 30 days delinquent. I had no knowledge of what this {$1600.00} debt consists of. As a direct result of these negative reports to the credit bureaus, my credit score was lowered by 106 points. 

When I discovered the negative reports, I immediately submitted a dispute to XXXX, but Chase only confirmed to XXXX  the existence of the debt, which does not resolve the issue. A review of the online portal for the closed Chase account on XX/XX/XXXX revealed no current statements. 

I notified Chase by letter on XX/XX/XXXX that a delinquency was reported to the credit bureaus for a debt that I have never received a bill for and I requested a statement of the amount owed. I received a letter response from Chase on XX/XX/XXXX wherein they only stated that they reported an outstanding debt. I replied to that letter on XX/XX/XXXX to inform them that they have misinterpreted the issue and gave them 30 days to resolve the issue, but I received the same form letter in response on XX/XX/XXXX. 

I received a collection call from Chase on XX/XX/XXXX, wherein the caller, XXXX, stated that they had sent a bill to the incorrect address. During the term of my lease, I moved to a new address and notified Chase of this move by updating my contact information in my Chase Bank online account more than two years before the termination of the lease. I also listed my new address on the lease termination and vehicle turn-in documentation. My Chase Bank online account lists my current address in my customer profile. Despite this, Chase Bank has apparently sent statements to an incorrect address. 

Chase did not notify me that I owed an amount before it reported that amount delinquent to the credit bureaus and it has continued to report a delinquency. Chase did not notify me within 30 days of making those initial reports to the credit bureaus. Chase has continued to refuse to provide me with a written statement of the amount owed so that I may review it.
Product: Debt collection

On my credit report they are reporting zero and showing a zero balance. I called the transunion and the rep said even though it was included in a bankruptcy and removed it is now back on my credit report because the company reported it AGAIN after it was written off and removed. My credit report shows 0 balance and paid off when you call the company they are reflecting an actual balance. I requested validation, anything they can mail, and I was told they will not be mailing anything and they will keep reporting this is inaccurate information and they are requesting air. Zero and paid but when you call my account shows a balance that cant be paid because its already zero and paid. They had no right to report again after it was removed this is inaccurate and bringing my score down even more. They told me it was written off I am not even sure why I am in their system if they write the debt off, claimed it on their taxes, my balance is zero and it was included in bankruptcy. When I inquired about pmt or a resolution they said nothing because it is zero on my report. It is showing PAID
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was on my XXXX XXXX and noticed a XXXX XXXX  I am an authorized user on is only showing up on XXXX and no where else. I will attach proof as I screen shot it. I am on my cousins card. XXXX had said I would be updated to experian and XXXX but never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 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 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 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 card or prepaid card

What is the complaint about? 
Capital One negligently refuses to credit my account from a third party vendor ( XXXX XXXX for a purchase XXXX {$670.00} XXXX back in XXXX XXXX, XXXX even though that vendor XXXX XXXX XXXX agreed to credit my account {$570.00} minus a {$100.00} change fee on XXXX, XXXX, XXXX. I have spoken to Capital One customer service reps for months in XXXX trying to confirm that they received the information that they needed from me and not once did they say the information they needed was delayed. They failed to process my return in good faith and were deliberate in continuing to keep the amount on my credit card. Not only that, multiple rebills appear on my statements.
Product: Money transfer, virtual currency, or money service

I am a lawyer. Our law firm was holding {$390000.00} in trust for a client ( I will call him XXXX XXXX for the purposes of this report ) and planning to wire him money. I had been corresponding via email with my client about this money. On Friday, XX/XX/year>, I received an email from a fraudster who had spoofed XXXX XXXX XXXX email, requesting that the money be wired to a bank account at Fifth Third. I thought this email was from my client. The frauster 's email attached a letter on Fifth Third letter head with my client 's name, address, and what was supposed to be his bank account information. 

I wired {$390000.00} to a bank account at Fifth Third, listing my clients full name as the account holder and listing his address. Fifth Third accepted the wire transfer. On Wednesday XX/XX/year> ( 3 business days after the transfer ), as soon as we understood what happened, we alerted XXXX, which alerted Fifth Third that same day. A recall of the funds was unsuccessful. 

My client XXXX XXXX went to Fifth Third to see why there was a bank account in his name, and attempted to withdraw the money himself. Fifth Third told him it did not have a bank account in his name. 

We have since been informed by law enforcement that the money was moved from Fifth Third to banks in XXXX XXXX and XXXX. 

FIFTH THIRD 'S ERROR : Fifth Third accepted a wire intended for XXXX XXXX, even though the name on the bank account was not " XXXX XXXX. '' It should have rejected the wire transfer. See UCC 4A-207 ( misdescription of beneficiary ) ; OCGA 11-4A-207 ( same ). 

We have asked it to refund our money. It has refused to provide any information at all to us. The bank that we initiated the transfer from ( XXXX ) has requested the money be returned. Fifth Third requested a " hold harmless letter '' on XX/XX/year>. It has since given neither XXXX nor our law firm any response at all.
Product: Mortgage

Good morning, Please see my attached letter to Fifth Third Bank ( mailed via certified mail on XX/XX/2021. ) The letter details my complaint, the lack of response from Fifth Third, Fifth Third 's loan servicing practices, etc.

The main issue is how can Fifth Third send me a monthly statement on my home equity line of credit and my payoff balance be so radically different from what appears on my statement. I really question the legality of this along with the fact you can never reach a live person at Fifth Third Bank that can answer any of your questions. 

Secondly, it took me over 4 months to get 3 old liens released from the title record on the property. These were old mortgages from XXXX that I refinanced with Fifth Third! They could not reconcile their own record-keeping for 4 months!

Please see attached letter to Fifth Third along with my last 2 monthly statements, the payoff letter for my home equity line of credit and the transaction history Fifth Third mailed to me. Please do not hesitate to let me know if I may provide you with any additional information. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

someone used my information in creating this debt or account and it is not mine. i have filed police reports and had affidavits notarized in this matter this company seems to be reporting information from an issue where somein has forged and used my idenitity to get this account open
Product: Debt collection

Letter was sent to me from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX I haven't been to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent all three credit bureaus XXXX, Equifax XXXX XXXX numerous requests to reinvestigate inaccurate information pursuant to FCRA 15 USC 1681 et al. They have yet to provide me with a correct updated credit report. The items in question shows several inaccuracies related to an account by XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX. 

The inaccuracies include the following Date of Last Activity is inaccurate XXXX date of last activity is reported as XX/XX/XXXX, Equifax date of last activity is reporting as XXXX { XXXX, and XXXX is reporting the date of last activity as XXXX. This can be a sign of re-aging the account. 

Next, inaccuracies as it pertains to this account is the following : DATE REPORTED IS INACCURATE XXXX date reported is shown as XXXX, whereas XXXX date reported is shown as XX/XX/XXXX, and Equifax date reported as shown as XX/XX/XXXX. 

Lastly, the LAST PAYMENT DATE lS INACCURATE, XXXX last payment date is reporting as XX/XX/XXXX, whereas Equifax last payment date is reporting as XXXX { XXXX, and XXXX is reporting the last payment date as XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was disputing US 15 1666. I asked for documents stating that XXXX XXXX mailed the due dates to me 21 days before each due date of XXXX XXXX and XXXX. I was not disputing that I didn't pay the bill on time or didn't pay. I'm disputing that XXXX XXXX violated US 15 1666 by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask you to re investigate this and if not updated on XXXX, Equifax and XXXX to paid on time months of XXXX XXXX and XXXX I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX XXXX and XXXX.
Product: Debt collection

On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through Ally Financial. A XXXX XXXX XXXX, XXXX : XXXX. The vehicle was repossessed on or about XX/XX/XXXX. 

A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$10000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number XXXX. 

In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 

2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 
Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own. 

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own. 

When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle. 

It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose