23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I agreed with the dealership to return the vehicle since it was a lemon. I had transmission issues with the car from the time I baught it. I was repeatedly told they would replace car but kept getting the run around. The cars transmission eventually gave out and I was advised the issue would be resolved which it wasnt. I eventually stopped following up. When I tried to purchase another car I found XXXX XXXX had placed it as a repo on my credit which management said they would not happen.
Product: Mortgage

My hardship begin XX/XX/2023 Select Portfolio increased my mortgage payments from {$1300.00}. Per month to {$2300.00}. Per month with no notice. I was told that this {$1000.00} escrow increase requested by the Investors wasnt predatory lending but actually was within the law to bill me for 2 years escrow instead of each year. My escrow is based on my yearly property taxes and property insurance so how can they do that. I cant find this clause in my settlement documents. So I requested a copy of documents to support the increase. Select Portfolio representative said they were going to send me the information and I never received it. They didnt offer me any assistance. 
Please help me keep my mortgage payments affordable I cant afford a {$2300.00}. Mortgage payment.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I have tried repeatedly to have them take a medical bill for ambulatory services taken off of my credit report that I should not have been billed for per XXXX XXXX XXXX XXXX and they still refuse to delete the debt from my credit report which has damaged my credit score and caused me to be denied credit. They received the same information from XXXX XXXX and XXXX XXXX and they still refuse to delete it. Every time I call them they are very rude and will not even try to listen to what I am saying. The insurance information was given to them several times before they even reported it on my credit report and a claim still was not filed correctly and they were notified by XXXX XXXX XXXX XXXX in regards to the matter.
Product: Debt collection

I have try to contact XXXX funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with Target Card Services and they do not have anything in there computer that says I owe them any amount of money. So XXXX needs to stop reporting this incorrect information.
Product: Credit reporting

three months ago i contacted  Lexis Nexis Clue  report and filed a dispute with them as to the inaccuracy of the information they supply to insurance companies is causing me not to get affordable insurance. It seems that they are reporting accidents that should not be on my report since it was founded that i was not at fault. these accidents was 1 flooding of my car and 2 vehicles that were not mine but my son 's ( registered in his name } within a  three  month period were totaled while parked in a parking lot over night. this inaccurate reporting is causing me to pay higher rates of insurance. I am accurately being cancelled auto insurance because of this report. And if they are reporting this on mine and my son 's report then they are double dipping two of these accidents should only be on my son 's report and not mine.
Product: Vehicle loan or lease

Subject : Complaint Hi we have an auto loan with Chase Auto Finance. I would like to file a complaint. When my husband became ill and out of work we began missing payments. We contacted them and there was little they could do. We sent payments as we could. I got enough saved up to pay the balance that was due per my XXXX statement due in XXXX. It's was roughly {$2100.00}. There was no indication on the bill no phone call no notice of repossession. They came on XX/XX/XXXX and reposssed with no notice at all. As of today we still have not received any communication and have no idea what's going on. I tried calling to say this is a misunderstanding etc and they were not sypathetuc and said oh well our only options are to pay the total loan balance of XXXX within 15 days plus storage fees etc. I feel like we were not treated right nor was anything communicated to us. There is no way we can come up with that money in 15 days so will likely just let the car go. The car was a lemon so I am not too distraught about it although it will kill our credit. I just would like some answers because of the way this was handled. If they had called I would have paid the balance but was waiting for the XXXX due date. Thanks so much XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I called Experian to request a block of the fraudulent information on my credit report. The woman on the phone said everything looked great. However, a day or two later, I received an email from Experian telling me they wont block the information because my reports dont meet the criteria. I call back and am told to create an updated FTC identity theft report so I go ahead and do that right away and submit it. The next day, a new email from Experian saying the same thing. Both emails made no sense -it felt like they were just making up random excuses that didnt even apply to me just so they dont have to block the info. As of now, Experian still has not blocked the fraudulent accounts on my reports.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report I noticed credit inquiries that I did not authorize that was make by the following company. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair credit reporting act section 1681b ( c ) and a serious breach of my privacy right
Product: Mortgage

We received a rebate in XXXX because we had an escrow surplus. The mortgage company made a mistake and in XXXX we had a {$5300.00} escrow shortage. We paid {$2700.00} cash plus our monthly payment increased {$220.00} a month to remedy the situation. We now have an escrow shortage again in XXXX. Our monthly payment has decreased, but the fact remains this company has poor accounting and Im growing curious where the money is going if its not taking care of our mortgage. We have a fixed rate mortgage, but our payment has been anything but fixed. This company is breaking our contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the XXXX XXXX XXXX XXXX auto loan ( now judgement ) with a balance of {$15000.00}. I have tried and tried again to contact this company to settle the account balance. They filed a judgement against me on XX/XX/XXXX. Both myself and my mortgage representative have called to settle the account. Each time that we call, they say the person that handles the settlements is not in the office and they would have to call me back. They have never called myself nor my mortgage rep back. They are not allowing me a US Veteran the opportunity to rectify this account! My dispute with XXXX and XXXX resulted in them removing the original account from my credit. It is still with XXXX on my report. Also, XXXX XXXX a third party is now reporting the debt to my credit report as now per law the credit bureaus can not report the information to my credit report. This account alone is keeping me a US Veteran from obtaining my family a new home to live in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a of bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX   XXXX {$370.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and based on what I read on the FCRA. Negative information has to be deleted 7 years from the anniversary date of the error or seven years from the first date of delinquency. Well, when I combed my credit report I noticed some old negative information that has not been deleted based on the law as It relates to the seven year deletion date. I need this information deleted immediately and here is the incorrect information : XXXX Account # XXXX XXXX2015 - 60 day late and this account has 90-day reports - that never happened! I have disputed this account several times and upon each update, XXXX is listing different information 10 different times. Thus, they have failed at FCRA section 1681 which states they have to perform a reasonable investigation. If they have accurate information why have you allowed them to report different information over 10 times? This account should be deleted based on simply not reporting the same accurate information. The data changes because they do not have accurate historical account information. I understand this account is paid and closed, but it has never reported the correct information. If you look at past disputes and their responses you will clearly see their reporting changes with each dispute. Delete this inaccurate account!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX our victim sent {$600.00} to a family member with PayPal through XXXX XXXX. 

This money was received by the family member at that time. On XX/XX/XXXX at around XXXX the family member sent {$600.00} back to our victim. An issue with the PayPal account that was associated with XXXX XXXX  prevented our victim from receiving it. 

Our victim contacted PayPal to get this resolved, they told her " we will refund the {$600.00} back to [ the family member ] which will take a while, don't call us about it again, because we don't know when it will be complete. '' Over the course of several months our victim contacted them repeatedly to resolve this issue and still has not received a resolution. On Thursday XX/XX/XXXX we called PayPal and spoke with XXXX who was unable to find the previous calls and said our transaction number was invalid, even though we could see the transaction in the deprecated account. She created a trace over the transaction and said it would be complete within 48hours and we would receive an email, we confirmed that this included the weekend. 

Unfortunately that email was never received. So today we called PayPal to follow up and spoke with XXXX who was unable to find previous calls as well and could only see XXXX case that she created. We were told conflicting information regarding case numbers, transaction IDs and resolution time. According to XXXX it would take another 72 hours starting Monday, because XXXX filed the report on Friday or Thursday, she was sketchy with all details and continued to give us contradicting information, and when asked she was unwilling to provide a reference number, but did provide a PayPal ticket number. XXXX We informed them that because they would not give accurate and true information, nor a proper resolution that we have no choice, but to involve additional agencies.
Product: Credit reporting or other personal consumer reports

NONE of these belong to me or has ever belonged to me. 
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 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: Bank account or service

My bank recently closed my bank account due to an reporting by Bank of America to XXXX XXXX XXXX , XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently Bank of America reported me to XXXX TWICE by in 2011 and I did n't find out until recently or even why!! I contacted bank to ask to remove XXXX XXXX report and they said since its from 2011 they ca n't see that far back and that its was written off. They then invited me to open a new account ... Please make them remove the XXXX XXXX XXXX report.
Product: Credit reporting, credit repair services, 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  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account 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 5 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, credit repair services, or other personal consumer reports

This is not for one company in particular. 
I have 2 credit cards and one personal loan that I had to use to pay bills and to relocate for a job. ( All due to Covid ) When disputing this credit there is a selection for Covid 19 issues.

All my disputes came back ok, because I paid they, they are not giving indication to the Covid issue.

If the government is offering grants or assistants for this debt, it should be noticed at the Credit Bureau of investigation, yet noting implied that I selected a Covid problem or any direction. I'm trying to get my credit score clean so I can be in good standing to purchase a home. Please keep in touch and provide direction on the new law 's and rules for the Covid debt relief. Thank you very much, XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX  m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Payday loan, title loan, or personal loan

XXXX AND XXXX RIPPED ME OFF FOR {$3800.00}. THEY ARE FRAUDULENT LENDERS FROM XXXX-XXXX.
Product: Checking or savings account

Never received {$700.00} bonus. I have called Citi bank over 40 times to solve this issue. I have mailed Citi bank 3 times regarding this issue as well. I have also mailed in copy of Promo offer. I also received after opening the account a confirmation of the promo offer. I attached a copy of the confirmation and the promo that was sent directly to me. 

I have attempted to resolve this issue for 7-months and no one has reached a solution on this matter. 

I have completed ALL of the steps on my end, {$50000.00} remained in the account for the time I was supposed to. Please check my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was recently discharged XXXX XXXX XXXX still showing its open on my credit report. I tried to have a disputed and remove from my credit report
Product: Credit reporting or other personal consumer reports

Hello, due to account having suspicious and fraudulent accounts on my fico credit profile. I am demanding under the FCRA law that these items are removed as soon as possible within 4-15 business days. These items are associated with hard inquiries, collections and bad debt. Here are the 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 THESES ARE THE ACCOUNTS I DEMAND TO BE CLOSED DUE TO FRAUDULENT ACTIVITY! 

I am demanding under the FCRA law that these fraudulent account, inquiries and debt to be removed from my profile within 4-15 business days.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated.
Product: Credit reporting or other personal consumer reports

As a consumer, I, XXXX XXXX, believe that Transfinancial Companies is violating the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g ( a ) by reporting this debt on my credit report without providing the necessary verification and information. According to the law, a debt collector must provide a written notice containing the amount of the debt, the name of the creditor, and a statement informing the consumer of their right to dispute the debt within five days of the initial communication. In this case, Transfinancial Companies has reported a collection account related to XXXX XXXX XXXX XXXX on my credit report, but the original balance is listed as {$0.00}, and crucial details such as the last payment and past due amounts are either missing or incorrect. Furthermore, I have not received any communication from the company verifying the debt or offering the opportunity to dispute it, which is required by law. Therefore, this reporting appears to be a clear violation of my rights under the FDCPA.
Product: Debt collection

On XXXX XX/XX/2022, AUGUSTA COLLECTION AGC flagged my account as Collections for a {$56.00} balance. I have never heard of this company, they have never spoken to me in person about the debt, they have never spoken to me by telephone about the debt, they have never mailed me a letter about the debt and I have never received an electronic communication regarding the debt. 

I live in XXXX XXXX, New York. To date, the company has not provided any proof that their notices have been received or confirmed that they have been sent to the proper address in New York. They also have not verified the correct phone number that they are contacting. 

I am in the United States XXXX and do not appreciate the negative reporting done by the agency without verifying whether the debt is valid and being sent to the correct address. 

Unless XXXX has mailed documents to New York, I have not received any notices and they have failed to provide any proof that the notices have been sent to New York.