23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2023 myself and my wife went to XXXX XXXX in search of a new vehicle. Upon sitting down with the salesman and getting our initial information, he wants to go run my credit. We gave authorization for the credit to be ran XXXX singular time, after our initial rejection I was disappointed, but then the Salesman said let me see what I can do not informing me that he intended to run my credit score XXXX more times after that statement. Upon running it a total of XXXX times Im not sure where the approval came from but we were eventually approved. Let it be said that this was also done in the managers office away from our supervision. I As I am in the process of attempting to acquire a house and get my finances in order, I checked my credit score to find I had XXXX hard inquiries on the same day from the same establishment. I called XXXX XXXX, To discuss this and ask about their business practices, and the only thing they Said in response was you may have lost XXXX pts but we got you in a car didnt we? Any other time Ive done any kind of lending I Have always been informed about each time that my credit is about to be ran because of the risk that hard inquiries can have to have this done without my knowledge and against my consent Extremely duplicitous and unprofessional. Any business that operates like this with the knowledge of the damage theyre doing should not be allowed to exist in my personal opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PULLED MY CREDIT REPORTONXXXX, AFTER CALLING SAYS IT WAS IN REGARDS TO A CLOSED CARD DATEDXXXX, THE INFORMATION WAS GIVEN TO XXXX XXXX XXXX XXXX XXXX XXXX , no phone number was supplied.
Product: Debt collection

Transworld Systems Inc contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, Transworld Systems sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}? 

This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}. 

I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, Transworld Systems does report to them!!
Product: Credit reporting or other personal consumer reports

My information was sold and bought because I was a victim of the Equifax data breach. I would like these items deleted from my report effective immediately. Equifax has admitted that I was a victim to the data breach but has done nothing. Please help me remove all illegal accounts from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/year> Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that I have disputed and called each company to resolve this problem.
Product: Student loan

I have a federal student loan serviced by Nelnet. Every month I pay more than the minimum amount due. I discovered that the extra money is not getting applied to the balance. Instead they are allocating it towards the following month 's payment.     I contacted Nelnet about this in  XXXX   of 2017, sayin g that I wanted my extra money to be applied to my balance, not to advance the due date of future payments. When I went to make a payment today (  XX/XX/17    ), I noticed it had n't changed. I contacted them again and was told that my request to not advance the due date was denied on  XX/XX/17   . I was told the due date was going to continue to advance and that it should n't matter. I was told I could apply again, but it would probably be denied a second time.     So borrowers have to make a special application to request that their extra payments be allocated properly, and that the servicer can deny them and basically say " tough luck. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a rebuttal to the previous complaint The reason why you do not see the debtors on my credit report is because I validated information and submitted a disclosure statement to them and the debt collectors removed them.

The ones I had removed was the same ones that I filed a dispute with your company and the dispute was rejected. 

This sends a clear message to me that you all are not doing your job and there was debt placed on my report that should have never been there.
Product: Debt collection

I signed a contract on XX/XX/year> with XXXX XXXX and company XXXX before having seen the full terms and conditions of service during a zoom call without being fully informed on what was being agreed upon. XXXX XXXX and XXXX claim to provide mentorship programs, I did not use or access any of these services due to my immediate desire to cancel. Once video call was over I immediately contacted the company through email and by sending a certified letter In the mail disclosing my intention to immediately cancel and receive a refund. I was made to believe I was accessing an estimate of payment when in reality I was being tricked into applying for and confirming a loan with third party affirm. After having attempted to cancel my contract with XXXX and further emailing their support team to no avail, I went ahead and contacted affirm where I placed a dispute on {$3700.00} ( amount of loan ) and total payments done after all installments would have been finalized amounting to a grand total of {$4500.00} the amount of the loan being charged. An investigation was conducted by affirm which was then refused due to the return policy on the companys terms of service.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Deletion of Late Payments on Credit Report Dear Sir/Madam, I recently reviewed my credit report from Equifax and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the accounts in question, along with their respective account numbers : XXXX. [ XXXX XXXX XXXX ] - Account XXXX : XXXX XXXX. [ XXXX ] - Account Number : XXXX After a closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there has been a violation of my consumer rights. The law explicitly states : GENERAL : According to subsection ( c ), any consumer reporting agency may furnish a consumer report under certain circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I must inquire whether I provided written instructions for the inclusion of these late payments in my report. If not, it is essential to rectify this issue promptly. Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer report specifies : Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Because of this, I kindly request the removal of the aforementioned late payments from my consumer report as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely manner. Thank you for your assistance in ensuring the accuracy and compliance of my credit report with applicable consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX is inaccurate because all payments were made on time and in accordance with loan documents. I am requesting that this item be removed or updated to paid as agreed on time. FCRA has laws such as the ones below that I have found to ensure that consumers are protected. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681e ( b ) Accuracy of report 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. 

These inaccurate late payments have caused damage to my ability to receive the appropriate efficiency meant to help me as a consumer. 

I have screenshots of payments made to lending club and bank screenshot to go along with payments made yet they did not credit as per loan agreement. In addition, I have the original loan document stating which payments would be due showing that none of them were 30 days late based on payments being due on the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, unauthorized inquiries have been made on my credit file without my knowledge or consent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all the fraudulent inquiries listed below be blocked and deleted from my credit report immediately : Fraudulent Inquiries : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I was reviewing my accounts on XXXX. XXXX XXXX  when I noticed an interest charge that I was previously unaware of. Upon further review they had been charging me interest on a charge that had been put onto my account back in XX/XX/year>. Apparently this purchase was placed on my account due to a XXXX  returned check. They had already credited the account even though the check had not cleared through, therefore charged back the account in the amount that was credited. I had opened the account taking advantage of a promotional XXXX XXXX on balance transfers. When I called they said that was standard practice instead of just reversing the credit they charged the credit card superseding any promotional rate thereby now charging me for a purchase under standard interest rates. 
This is the first time I have ever had a returned check on a promotional offer and was unaware of practice. I reviewed their charges and fees disclosures page and saw no mention that any returned check payment credit would be charged as a standard purchase subject to standard interest rates. I requested a full terms and agreement and no where does it say I would be charged a standard purchase that would supersede any promotional rate. I had made a subsequent payment to the account to avoid late fees so my account was still in good standing at the time of the error. I had not made any purchases or used the card in anyway to avoid the standard interest until the card was paid off. I had the call upgraded to a supervisor level and they refused any type of consideration except to say it's in their full terms and disclosures and offered to send me a copy. This seems completely unethical and definitely not consumer friendly to one who has been trying hard to reverse bad credit decisions in the past and trying to save some money to pay off debts without going through XXXX  or other " credit '' repair companies.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since 2017 I have poof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts thats reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.
Product: Mortgage

We purchased a home in XXXX, FL in XXXX of 2020. We were to close on the house in XXXX 2020. The house is a new construction and the builder is Lennar Homes. We were informed in early XXXX that our closing will be on XX/XX/XXXX. We immediately informed Lennar that due to the current COVID-19 pandemic, we recommended moving the closing to XXXX XXXX, 2020. We were informed " No '' and told to progress thru the process.We proceeded and went thru the process to get to closing. Once we were supposed to close virtually with the Title Company - they did not and are not willing to share the closing documents with us. We have an approved Loan thru Eagle Mortgage - a Lennar affiliate. We are closing with Cal Atlantic Title - another Lennar affiliate. We have requested documents via email and by calling them - but they insist we sign a document which forces us to electronically sign the papers -which we are not being allowed to see prior to closing?
Product: Debt collection

I have disputed and contacted this company ( First Investors FIN SERV ) several times about the debt that has been listed on my credit report. The in 2015 my car was repoed when i was in between jobs. I never received a call from the company to try and get the car back. Never received information when the car was sold at the Auction. By law the company is to advise me about this debt. The full balance that the car was first financed is listed on my credited report with XXXX & XXXX. Overtime the debt was charged off and the company had been paid off. I was living in Florida at the time of repossession and the Florida Statues XXXX was in total violation because the company never provided me with detail of when and where i can go get my personal belongings that was left inside the car, they never gave me a option to get the car back, the also never provided me with the dates and where the car would be auctioned off at, nor did they provide me with the information of how much the car was auctioned off for. Which totally violates the law. 

I have requested this information in writing from the company ( First Investors FIN SERV ) on several occasions to provide me with all of the documents pertaining the loan. I was only sent the original loan information and not the following documents requested. The amount that was listed on my credit report was for the original amount of the loan when i first financed the vehicle excluding the amount that i had paid on the car for a year before the car was repossessed. That itself is a violation of the law! 

I have requested that they remove this debt from my credit report because it is in violation. They refuse to remove the debt.
Product: Payday loan, title loan, or personal loan

I filed a complaint on XX/XX/XXXX case number XXXX. On XX/XX/XXXX the company, Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX responded that they would release my title within 15 days of payoff. My loan was paid off on XX/XX/XXXX and I still not received the title.
Product: Debt collection

This fraudulent debt was first sold to a company called XXXX XXXX. On XX/XX/2018 I was notified about this debt I asked for the company to validate the debt because I have done no business transactions with this company or the company they said I had a loan with and they erased the debt off of my credit report. Months later I received calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX about this same debt. Due to the excessive calls and the inability to prove that this debt belonged to me XXXX XXXX XXXX also seized phone calls. I now receive harassing emails from Halsted financial services XXXX. XXXX XXXX XXXX, IL XXXX about every 4 days which they say they were outsourced by XXXX XXXX XXXX to collect on their debts. XXXX XXXX XXXX is utilizing many tactics to collect on a debt that they cant prove the validity of by submitting an original contract with my signature on it, documents showing the amount that was owed and the terms to which I agreed to pay. I have never done business with XXXX XXXX XXXX or Halsted financial services. I have explained to every creditor that has touched this fraudulent account that this is not my account and instead of doing their due diligence they keep attempting to collect on the old inaccurate debt and ruining my life by reporting incorrect information to the bureaus. I have been denied school funding, job offers and mortgage loans due to this debt.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX a lot of time but recently on XXXX XXXX when I noticed unauthorized charges from my checking account to my credit account. In XX/XX/XXXX, I agreed to a home warranty with XXXX XXXX XXXX ( XXXX ) for $ XXXX or $ XXXX. Despite paying for XXXX months, when I filed claims for appliances and XXXX services, XXXX  charged me {$XXXX} ( {$XXXX} per claim ). 

They never fixed anything and denied my claims repeatedly while still charging my credit card. Even after cancelling my account, XXXX continued charging under different names and increased amounts. I requested cancellation and a refund but received no response. Despite disputing payments with my bank, I only received partial refunds. XXXX XXXX XXXX 's fault department closed my case without properly investigating my evidence. I've tried to stop automatic payments, but the bank keeps deducting money, leading to fees and late charges. 

On my XXXX ending in XXXX, I turned off auto payments after a {$XXXX} deduction on XX/XX/XXXX. However, on XX/XX/XXXX, the bank again deducted {$XXXX}, claiming it was for interest and fees, then closed the account. Yet, I still owe {$XXXX}. When I called customer service, they kept transferring me without understanding my issue or providing assistance, they said I am waiting they contacted to supervise but after that disconnected phone call, the bank did it several time, it is so bad, because they automatic got my money paid to credit, the credit I am not used. 

On credit account # XXXX, I paid {$XXXX} to the XXXX XXXX XXXX years ago, but they didn't do any work and didn't refund my deposit. Despite numerous attempts to resolve this with the bank, they haven't been helpful, and now my credit card is in collections. I've explained the situation to them, but they insist I owe the money. I've tried to work with the fraud department, but they haven't acknowledged my evidence. XXXX XXXX XXXX reduced my credit limit to {$XXXX}, negatively impacting my credit score, and currently they look all my credit card. 

I hope this complains XXXX XXXX XXXX, the CFPB can assist me in resolving these issues.
Product: Mortgage

My second mortgage contract with XXXXXXXX XXXX dated XXXX states my mortgage interest would decrease .XXXX XXXX  each year for XXXX years. As long as no payments were XXXX days past due. My loan was sold to OneMain financial. They refuse to review or audit my case. They state my payments were past due more than XXXX days. I offered to bring in all my receipts to show they were paid on time. They still refuse to discuss my case or make any adjustments. I've called them numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( XXXX  ) inaccurately recorded a late payment on my credit history. The inaccuracy XXXX  recorded was for XX/XX/2018  and has negatively impacted my score. This is report is incorrect. I spoke to several representatives in attempts to close my account and received incorrect information. I was initially told that my payment was received and processed and there would be no issues with moving forward to closing my account. Which I learned was not closed until XXXX due to their delay. Then I learned that XXXX  inaccurately reported a late payment to my credit history. My payments on the now closed account were not late. The account balance was fully paid off with no late payments. I have tried reaching out to XXXX, Transunion, and XXXX companies and disputes were filed.
Product: Checking or savings account

Check never came and they will not comunicate at all. 

XXXX, XXXX XXXX XXXX, XXXX XXXX email from XXXX, XXXX XXXX XXXX XX/XX/XXXX you wrote Thank you very much for sending the document over, I will proceed in closing the account. 
The check will go out Monday and should take 7 to 10 business days to arrive. Please let me know if you have any questions. 

Was the account closed or is still being drained with inactive account charges? 
Do you know why we never got the check? 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated for fifteen years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for two thousand dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy XXXX now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXBalance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}