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

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX NJ on XX/XX/XXXX. The dealer stated an extended warranty at no charge, stating bank required it, failed to show me the cost. It was {$4000.00}. When singing the agreement, they only showed me payments not rate. I sent a request to Santander Consumer, but never got any response. I stated the above reasons as well as claims of predatory lending. I had an open loan already, not working due to a car accident, never asked for financial documents, my credit rating was XXXX. Other dealerships rejected me, even with a co signer. They violated my rights under predatory lending. They took advantage of my situation and put me into a loan that can not be paid off or I will default on. I already had to change payment date, they would not push any payments or offer a reduced payment for a period. I am still XXXXXXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and am restricted for work. It is unaffordable. Both the dealership and Santander have ignored me. The vehicle also has a list of repairs the dealership did not fix and were pre existing
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed an account that was not reporting accurately. I have one thirty-day late payment for XX/XX/year> ( account number : XXXX ) which in fact was paid on time. There was a payment of {$25.00} made on XX/XX/year>. The consumers reporting agencies have an obligation to report all information with complete accuracy according to the fair credit reporting act. This account reporting is in blatant violation of 1681b fair credit reporting act and has not been late on payments Ive attached a copy of my report to this complaint. I demand this account be updated to on time never late immediately as required by law. Thank you for your understanding and prompt action.
Product: Checking or savings account

On multiple occasions, I would purchase something while I had the available funds but the bank wouldnt initiate the transaction until the funds were no longer available resulting in overdraft fees.
Product: Credit reporting or other personal consumer reports

Kindly update my account this causing me a lot of stress and XXXX
Product: Credit reporting or other personal consumer reports

I'm demanding documentation proving of the 30 day late payment reporting on my credit report for XXXX XXXX. This account was closed in XXXX I have never been late on any payment and this was added in error. MY credit report shows exceptional in no late payments except this error. I demand this is removed. The document Transunion provided just stated they weren't removing the error.
Product: Consumer Loan

Ally Financial, also known as GMAC Auto, was trying to contact me about an insufficient fund for a payment I had made them. Instead of trying to call me or wait for a response ( as I never got a call from them ), they somehow found the name and phone numbers of known associates ( friends/family ) of mine, called them and told them who they were ( Ally ) and was collecting a debt for me ( specifically said XXXX XXXX ) and then asked my friends to make a payment on my behalf. When my friends said no, they asked them for more of ways to get in touch with me and I 'm not sure who else they call. XXXX from Ally denies this happened. Ally also told my friend they were calling other people too. She left her phone # and extension with my friend. Sadly and most frighteningly, Ally knows my phone number and should not have been calling other people, telling them my business, and putting out my personal information like that - its unlawful, and goes against the FTC rules and regulations. I 'm not sure what other information they leaked about me, but it needs to come to end. And fast!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Bank Inquiry : XX/XX/XXXX These inquiries are reporting on my XXXX an Experian accounts
Product: Debt collection

Based on Information and belief, the alleged account is not mind. I am a victim of ID Theft and have continued to inform Global Receivables Solution, but to no avail. They will not response to my requests for validation and verification but continued to call my home and work. I have never had a XXXX Account.
Product: Debt collection

I got a loan from check XXXX the cash in the state of Ohio from XXXX. I lived in Florida since XXXX and a company called midway processing called XX/XX/XXXX saying they work with check XXXX the cash and they got my address from someone. I never lived there I was staying with a friend. They said I owed them money or they would take me to court. The rep was beyond rude and kept hanging up to XXXX XXXX where I demanded a supervisor I got someone else and they set up a payment arrangement. The email contained a link there was no logo or anything. The woman was claiming she was generating one and it was running slow. Then someone called me XX/XX/XXXX saying they were going to file a criminal suit to be arrested they asked for XXXX up front or XXXX broken into XXXX payments. He said I have to pay XXXX today I told them I dont have that amount and that they want and he refused to work with me at first. I was asking him what company he works with and he kept giving snide remarks saying oh now you want to act like you dont know where its coming from. Youre playing victim and kept going on saying that. He never allowed me a chance to speak and he kept hanging up. He started calling me aggressive and then said ok Ill work with you Ill take the XXXX and well put the rest on a payment plan. And I was confused and brought up how he said he cant adjust the amount. I let him now I have home security cameras and that hes being recorded. To which he said youre not supposed to. And then I asked isnt this call being recorded to which he responded no. And then kept saying Im making excuses and that were going to file criminal suit against me I asked him what proceeds in court he barely gave me a response. I told him I could file bankruptcy for the XXXX he was asking for. And kept hanging up. At that point I called the original number they were working with me for and then they just transferred me back to the man I was speaking to which is XXXX XXXX. Who at one point was questioning how I could afford a lawyer and saying to go get a lawyer. I was very upfront about my financial situation he wasnt listening to me and kept ignoring me. And I just got off the phone at that point and called check into cash to where they said I dont owe a debt. It wasnt sold off to a third party. I dont have to pay anything. The referred me to this sight and to check the credit bureau just in case.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/XXXX, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently on all three bureau reports. All information on a consumer report must not only be accurate but also consistent on all three bureaus. How is it that there is a discrepancy in this account? 
XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I am looking at a balance in the amount of {$1700.00} under this collection account. How is that possible? Sold account can not carry balances at all. This is utterly incorrect! 
XXXX XXXX Account Number : XXXX Delete this inaccuracy from my report IMMEDIATELY! 

For EXPERIAN 1. I am looking at a balance in the amount of {$1700.00} under this collection account. How is that possible? Sold account can not carry balances at all. This is utterly incorrect! 
XXXX XXXX Account Number : XXXX Delete this inaccuracy from my report IMMEDIATELY! 

For XXXX  1. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The high credit or original amount is being reported inaccurately and inconsistently on all three bureau reports. All information on a consumer report must not only be accurate but also consistent on all three bureaus. How is it that there is a discrepancy in this account? 
XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

In accordance with the credit report act, this creditor has violate my rights under 15 USC 1681 Section 602 state.

I have the right to privacy, under section 15 USC 1681 Section 604A ( 2 ), it also state a consumer can not submit an account information without my reading instructions under 15USC 1681 166 ( B ).

A creditor may not treat a payment on a credit card or Loan under an open consumer plan as late for any purpose.
Product: Checking or savings account

I did not receive the checking account SoFi plus bonus after my qualified direct deposit both from my employer paycheck and IRS tax refund, accumulated amount over XXXX. The SoFi only consider my paycheck as direct deposit. However, the promotion terms also show government agency ACH as direct deposit. The customer service agreed my request and the fact I met the requirement but she refused to give me the resolution.
Product: Payday loan, title loan, or personal loan

SoFi sends monthly mailings to potential customers telling them they are pre-chosen for loans at enticingly low rates ( 8.95 % ) based on their credit history. The word " preapproved '' is all over their emails and website when you begin to apply. Those mailings fraudulently suggest that the customer has merit advantaging them in being actually approved for loans at those rates, and instead SoFi uses an unusual, highly-selective review process that cherry-picks from those preapproved customers who apply based on the advertising of those mailings. 

This practice hurts consumers like myself who are trying to improve their credit. Potential borrowers like myself receive these mailings are enticed to apply because the offer is *apparently* too good to be true, and instead we waste a hard inquiry on our credit report. The substance of my financial position has actually improved since I first started receiving these mailings a year ago, but that had no impact on application. 
Most importantly, when I asked why my loan was denied, I was told by SoFi that it was because I had a missed payment on my credit history. However, I know the date that SoFi made the hard credit inquiry ( once I had submitted my application ), and they came back to me AFTER that Inquiry and asked me to supply more financial documentation not originally asked for in my initial application. I did so. And then they denied my application. So they already knew my Credit History had a blemish and continued to process the application. SoFi 's rep XXXX told me having a missed payment on my credit history automatically precluded me from being approved, but if that was the case, they would n't have asked me to supply additional financial documentation after SoFi was in posession of my full credit history. SoFi 's explanation does not hold up against the evidence and timeline of my application process. 

This leads me to believe SoFi has built a website to automate lending that is falsely advertising and defrauding consumers like myself. 

Received Mailings : XXXX, monthly Reviewed, Began Application : XXXX/XXXX/XXXX Received email from SoFi reaffirming I was " preapproved '' and encouraging me to complete my application : XXXX/XXXX/XXXX Submitted Application : XXXX/XXXX/XXXX Hard Credit Inquiry : XXXX/XXXX/XXXX Asked to submit additional documents to support my application : XXXX/XXXX/XXXX Application denied : XXXX/XXXX/XXXX
Product: Mortgage

I 'm XXXX. We have a unit owner who has paid NO common charges in over XXXX years. She presently owes our XXXX over {$100000.00} and we have no remaining recourse because the bank refuses to foreclose on the mortgage. We would like the bank to foreclose and reimburse us for maintaining THEIR property for all these years.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  - XXXX - {$18000.00} XXXX XXXX - XXXX XXXX {$1500.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on LexisNexis, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my LexisNexis, XXXX, and XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by LexisNexis, XXXX, and XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, XXXX, and XXXX report. Specifically, I ask that : XXXX. LexisNexis, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. LexisNexis, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my LexisNexis, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from Credit Plus would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from Credit Plus is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX  XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 2017
Product: Debt collection

XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before 9 am and after 9 pm. The company is allied interstate.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is are fraudulent auto loan by XXXX XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXX .... ) and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - ( PARTIAL ACCOUNT NO : XXXX .... ) were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts. They are fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit inquiries on my account. they are below. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge off/collection account on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681 where you are bound to report accurate information. The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been cancelled and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off/collection/derogatory on my credit report is inaccurate and should be removed immediately. I request that XXXX delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

hello- I was involved in the Equifax breach ... all of a sudden, I have XXXX inquiries on my account from XXXX and XXXX that do not belong to me. I also have 2 accounts with XXXX XXXX XXXX that were NEVER paid late now showing 30 and 90 days late. This needs to be corrected and showing no late payments as it did before. I have reached out to this company to take care of these issues but they have refused. It was not my fault that they exploited my information and Im not happy about whats going on. My credit was very good with no derogatory information and now these items have appeared on my report. On top of that, theres an academic loan with XXXX XXXX XXXX for over {$400000.00} that does NOT belong to me. I want these items to be removed within 5 days upon receipt of my complaint or I will be seeking legal advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern my name is XXXX XXXX.My complaint is about being denied for personal loan in the amont of $ XXXX.From a company called LendingPoint .Date of the loan application XX/XX/2018.I sent personal information such as copies of my drivers license,2 months of bank statements, verification of employment and income and a voided check.This company told me there was and error on appication for my income which is {$36000.00} a year they told me that I needed an income of {$400000.00} a year to be considered for a loan for {$4000.00} at 2 year payment term.This company was inquire to me through XXXX for credit repair and debt consolidation. My credit score has dropped 50 points since this application process.I feel that this may possibly credit discrimination against myself.Date denied XX/XX/2018 no copy credit or income disclousure.My lending contact name was XXXX XXXX for Lendingpoint. Phone # XXXXXXXX.Thankyou sincerally XXXX XXXX
Product: Checking or savings account

Chime Bank mailed a check for me using their " Mail a Check '' feature to XXXX for {$4.00} on XX/XX/2023, and the app shows the check was cashed by the recipient. The recipient is stating they never received this payment, and needs a copy of the cashed/cleared check so they can initiate an investigation on their end. I requested a copy of the check from chime on XX/XX/2023. After initially being told in error that a copy of the check could not be provided, I was told one would be requested from the engineering team and would be forwarded to me within a few days. Over the past 2 weeks, I have tried to follow up with Chime more than a dozen times, and I just either get ignored, or I get form responses saying " we are still working on it. '' The biller is charging me fees and extra interest until i can prove to them this payment was made. Chime bank should be able to provide copies of checks sent on behalf of customers within a reasonable amount of time... it is unacceptable to make someone wait weeks for a copy of a cleared check.
Product: Mortgage

I am XXXX  and have been take advantage of since being rear ended in my car. I have my lawyer XXXX me just to get affiliation with the larger firm. My doctors ignored my cardiac arrest that happened 5 times a week for over 5 years. Now I hade a refinance company coach me through refinancing my home. I thought they were helping me. A year later I had to file bankruptcy and struggling to keep my home and pay for my medical on my XXXX checks. I suffer from chronic pain and daily migraines which make it hard to make proper decisions for myself. I also take care of my elderly XXXX mother. In same house. I need new ac units they are 16 years old and unable to pay for maintenance. I was doing good  when I first purchased the house. Now I find out they put me so far out on my debt to income ratio I cant even get help. I have already applied for loan modification per my bankruptcy lawyer. SLS is yet to respond except to increase payments due to short in my escrow.