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

I bought a XXXX  and financed {$73000.00} in XX/XX/XXXX, I had missed a payment and Ally extended to the end of the loan, again in XX/XX/XXXX, I made the late payment fees and interest payments as they told me, then Covid hit and I like most people took an income hit, I called Ally and they told me just go online and hit button for payment assistance, I did and it gave me like 3-4 month extension and some smaller payments they said I think was late payments or interest which I paid and my payments would go back to XXXX on XX/XX/XXXX. I paid XXXX, XXXX, XXXX, and XXXX now noticed my balance hasn't changed since XX/XX/XXXX at all. I have paid XXXX in payments and not XXXX dollar went to principal and I supposedly already paid all late fees. They said because I got a 4 month extension for covid which rolled payments to end, did not waive them that all of the XXXX went to interest only, I asked well when does my payments start to go to principal again and they tale me they can't tell me till I pay them and it starts going to principal. So far in this loan since XX/XX/XXXX - XX/XX/XXXX, I have Paid {$18000.00} in payments, all payments missed still rolled to end and not waived, but only {$3600.00} of this went to principal I no way see this being legal, agreed too or even ethical, please let me know if this is correct and I can sent contract and payments and dates all payments posted.
Product: Bank account or service

My name is XXXX XXXX and I entered a local bank to open a checking and savings account. I was told that I could not open those accounts because Charter One has a record of me with XXXX. I have never had any accounts with Charter One..I tried contacting them but was told that they were now Citizens Bank, and that they were n't in the state of Illinois where I reside. Apparently Charter One moved out of Illinois several years ago before being purchased by Citizen Bank. I would like for Citizens Bank to remove any entries from my XXXX report. I can be reached at XXXXXXXXXXXX or XXXX.
Product: Mortgage

I wanted to refinance to remove mortgage insurance from my FHA loan. I contacted a number of companies and decided to use loandepot. I locked in a low rate, but after XXXX was elected rates went up, and loandepot sent out an appraiser who claimed my California house on XXXX XXXX XXXX had lost XXXX sq ft and depreciated $ XXXX in the last 8 years. Despite the fact that all the other houses around the XXXX have increased in value. 
This is clear fraud!
Product: Credit reporting or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Letters were mailed.
Product: Credit reporting or other personal consumer reports

This complaint is regarding the below following accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of 15 U.S.C. 1681n Dear CFPB, I am filing a formal complaint regarding multiple inaccurate accounts on my credit report that have not been corrected despite repeated disputes over the past month. 

The accounts in question are : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts continue to report incorrect information on my credit report. Additionally, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have been reporting as charge-offs every month, which unlawfully extends the statute of limitations. 

When I initially disputed these inaccuracies following the initial investigation as well as the procedural investigation, XXXX removed all the negative items. However, Experian and XXXX remain non-compliant, violating my rights under the Fair Credit Reporting Act ( FCRA ). Their actions constitute willful non-compliance under 15 U.S.C. 1681n, subjecting them to civil liability for damages, punitive damages, attorneys fees and {$1000.00} per violation.

in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This section mandates that whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. If an agency fails to ensure the accuracy of the information, it can be held liable for damages under the FCRA. if XXXX deemed the information incorrect and has deleted it off of my report, then experian and XXXX need to follow suite . 

Both XXXX and experian are both willfully violating my rights. 

I demand the immediate removal of these accounts to prevent further legal action. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Since filing complaints against experian they have now stop reporting credit card information from the XXXX XXXX they pushed. All other agencies have updated and experian won't this is RETALIATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

Synchrony Bank/ Care credit is continuing to report incorrectly with equifax and experian after agreeing in writing to remove incorrect information. My original dispute in XXXX 2016 resulted in an agreement to remove from my file a 30 day late pay. XXXX months later this information is still being reported. It is absolutely ridiculous how unresponsive and difficult it is to navigate their dysfunctional system. I also intend to file complaints against equifax and experian because they are not reinvestigating because if they were the agreement in XX/XX/XXXX would be discovered, the item in question deleted, problem solved. People should not have to babysit their credit report.
Product: Consumer Loan

ON XXXX XXXX XXXX WESTLAKE FINANCIAL REPOSSESSED MY XXXX TOYOTA CAMRY. I WAS ONLY ONE PAYMENT BEHIND OF {$350.00}. MY WALLET ALONG WITH MY BANK CARDS, LICENSE, CASH, CLOTHES AND OTHER PERSONAL ITEMS WAS I N THE VEHICLE. THEY ( WLF ) TOLD ME THAT I HAD TO PAY {$50.00} TO RETRIEVE MY VALUABLES. I HAVE TRIED TO TALK TO THESE RUDE AND UNPROFESSIONAL REPRESENTATIVES TO RESOLVE THIS MATTER. THE LAST PAYMENT I MADE WAS ON XXXX XXXX XXXX. PRIOR TO THAT IT WAS XXXX XXXX XXXX. I SPOKE WITH AN REPRESENTATIVE ON XXXX XXXX XXXX. I WAS INFORMING THIS COMPANY OF NEW EMPLOYMENT AND TRIED TO EXPLAIN THAT I HAD A WAITING PERIOD BEFORE I GET PAID. WHICH I GET PAID MONTHLY. I ALSO INFORMED THE REP THAT I CA N'T RECIEVE CALLS ON THE JOB. AND THE REP SAID WE CLOSE AT XXXX AND I TOLD HIM THAT I GET OFF AT XXXX. HE SAID THAT THEY WILL BE CLOSED WHEN I GET OFF. THE REP. SEEMED NOT TO CARE ABOUT THE SMALL LITTLE HARDSHIP I WAS GOING THROUGH STATING ITS NOT THEIR PROBLEM. I WAS INFORMED TODAY BY A REP THAT I CALLED THEM BUT THE CALL WAS NOT MONITORED OR RECORDED. ON XX/XX/XXXX I TOLD THE REP THAT I GET PAID XXXX XXXX XXXX WHICH I WOULD MAKE A DOUBLE PAYMENT {$700.00} THAT WILL MAKE CURRENT. AND HE SAID HE WILL CALL ME AT XXXX. WELL XXXX XXXX MY CAR WAS REPOSSESSED AND HE DID CALL ME ON XXXX XXXX FOR THE PAYMENT. THEY WOULD N'T TAKE THE PAYMENT OF {$700.00} AND DEMANDED ME TO PAY {$1100.00}. 
WESTLAKE STATED THAT WHEN THEY REPOSSESSED MY CAR, THAT I CA N'T MAKE PAYMENTS VIA DEBIT CARD, AND THAT I NEEDED TO FAX A COPY OF ID, XXXX REFERENCES AND SOMETHING WITH MY ADDRESS SINCE I DONT HAVE ANY BILLS EXCEPT THIS IN ORDER TO RECIEVE MY CAR. FROM MY UNDERSTANDING THEY HAVE DECIDED TO TAKE MY CAR HUNDREDS OF MILES AWAY AND AUCTION IT OFF TO GET THE MONEY THAT IS OWED ( XXXX ). WITH THAT SAID, THEY ARE MAKING IT VERY IMPOSSIBLE TO OBTAIN MY VEHICLE. ITS VERY HARD FOR ME GETTING TO WORK, TAKING MY SICK WIFE TO THE DOCTOR, DROPPING MY KIDS OFF AT SCHOOL. PLEASE HELP ME RESOLVE THIS MATTER. I HAVE ENCLOSED A BANK STATEMENT FOR XXXX XXXX. ANY OTHER DOCUMENTS NEEDED CAN PROVIDE. THE CONTRACT IS IN THE CAR. SORRY FOR ANY INCONVENCE.
Product: Debt collection

Continuous calls every day asking for someone who does not live here. Finally told them yesterday that I am so done with their calling. Stop calling and take this number off their list. No one here by that name. 

What I think they are doing is checking who ever this is they are looking for on some type of info sheet and calling so called relatives which is harrasement. They need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXX Balance {$0.00}
Product: Checking or savings account

My account has become " restricted '' and I am unable to access my $ XXXX in funds. I would like to know why this restriction is in place as well as a timeline for resolution. My account is fully verified, and I have been compliant with all of the verification requests.
Product: Payday loan, title loan, personal loan, or advance loan

I used Happy Money to consolidate credit card debt. About XXXX of the way through the loan I started having trouble making the $ XXXX monthly payments and enrolled in the companys hardship plan. This lessened my payment to {$270.00} per month and I was told it would extend the term of the loan. I then renewed my hardship plan status in XXXX. The documentation I have doesnt mention anything about the plan expiring in XXXX and then the balance of the loan being charged to me in two massive monthly installments. I woke up this morning to find that this company had debited more than {$3200.00} from my bank account which was money I had allocated to other bills and my monthly rent payment. I had checked the website the Friday before and a {$3200.00} payment was not shown for my next bill but it was shown to be processing now. I called the company as soon as they opened and they claimed I was told in XXXX that this would be the case. I have no notes reflecting that statement and the docusign I completed also did not reflect this. It shows the XXXX payment and not subsequent payment amounts. I asked how quickly they could reverse this and they stated it could take 5-7 business days to return me the money and that they had to check with a supervisor about what to do. They did agree to return the ACH but now I am without these funds which never should have been debited from my account in the first place because I never authorized that amount to be deducted like that. They did later call back to offer a loan modification to take care of the balance but that doesnt solve the problem of me not having {$3200.00} in my bank account that I should have for the next week and nor the fact that this wasnt disclosed to me prior to the funds taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had problem obtaining my free credit report from Equifax and reset my Equifax account. Equifax asked me to mail in documents ( copy of driver 's license and 1099 ) to verify my identity. I sent them in via certified mail on XX/XX/2021 and the tracking shows that it was delivered on XX/XX/2021. When I called Equifax about it they said that they never received the documents and told me to send them by fax or mail them in again. I sent an email ( with the photocopy of the certified mail receipt and screen shot of tracking ) complain about this and I got a boiler plate response on XX/XX/2021 saying that my case ( # XXXX ) was important to them and they would get back to me. I haven't heard back from them since. 
I don't understand that why I should send in the documents again and by fax? Who has fax machine nowadays? If a piece of certified mail could be lost by Equifax, sending in another one won't guarantee Equifax will receive it. My personal information is probably all over the dark web for sale. 
Why can't Equifax verify my identity via phone or other means instead of insisting sending in paper documents? Now I can't even access my account for security freeze or even a credit report from Equifax.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Reports and noticed several late payments on an account I was never late for. The account is for XXXX XXXX XXXX and the account number is XXXXXXXX. Consumer Reporting Agencies have assumed a vital role in our financial system and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account.

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. If proof can't be provided I demand that these payments be updated to " On Time '' as they should be. If this is not done I will have to file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your time and attention to this matter.
Product: Mortgage

I have previously submitted a complaint against Bayview Loan Serving, claim # XXXX, for trying to collect on a debt not owed to them. Now Bayview Loan Serving is listing my home for sale on three different online sites ( XXXX, XXXX, XXXX ). The problem with this is that they do not own the home. The deed is still in our name and they do not have the right to title to sell. On XXXX the house ( XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ) is up for auction and currently there are two active bids. An interesting point is that on XXXX they list our address and details, but the picture of the house they show is not ours. Also as part of the purchasing agreement with XXXX, they attached Addendum " A '', which on page 6 # ( 5 ) states : NO RECORDING. Buyer agrees that neither this Contract nor any notice or memorandum hereof shall be recorded in the Public Records of County or State where the Property is located or any other public records. Any such recording by Buyer or anyone acting by, through or under Buyer shall constitute a material breach by Buyer of this Contract and shall entitle Seller to invoke the default provisions hereof. 
They are trying to sell this home with a Special Warranty Deed or equivalent, which by it's nature suggests that they do not have proper title. 
Bayview has no contractual agreement with XXXX XXXX XXXX XXXX XXXX ika XXXX XXXX XXXX XXXX XXXX, As Trustee For The Certificateholders of XXXX , XXXX, XXXX XXXX XXXX XXXX,  Mortgage Pass-Through Certificates, Series 2005-74T1, even to service the loan, let alone sell the property. The Trust is no longer registered with the Security Exchange Commission ( SEC ) and is not registered in the State of Delaware ( it's original point of origin ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Going over my monthly consumer report I've noticed that Transunion is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Transunion thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Transunion continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts. Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting or other personal consumer reports

I am the author of this complain and I have attached my forms of ID below as proof. 

I have checked my credit report and saw some account activity that was being reported inaccurately. I reached out to Experian, XXXX and XXXX to dispute these items because according to my research, the CRAs are required to conduct a reasonable investigation as stated in 15 USC 1681a. The furnishers of these accounts are also required to cease reporting to the CRAs if the information is in fact, inaccurate according to 15 USC 1681s-2b
Product: Credit reporting or other personal consumer reports

Transunion : XXXX hours spent entering information to dispute XXXX credit card accounts on my credit report. Name corrections/deletions also submitted. After online submission, a pop-up stated that online disputation was temporarily XXXX, suggested calling an agent. 

Called the suggested number : agents in XXXX, passed from XXXX to another, XXXX not so good ; scripted responses ; not to over-tax the last agent, I supplied info re : only XXXX disputes ; tried to correct name issues ; i was presented with questions for verification in order to do so ; I failed on a question regarding current/previous ZIP codes, all of which started with XXXX. I never lived in a an area with a ZIP code other than those that start with XXXX. I answered " none '' to the XXXX ZIP codes starting with XXXX ; the agent said I failed and therefore could not make name corrections. 

Transunion, like the other XXXX credit bureaus, are much more interested in selling their identity products than they are with actually helping consumers with credit issues. All three should be investigated and managed appropriately by the CFPB. Their mission is to help consumers, not sell products.
Product: Checking or savings account

I noticed my debit card was missing and looked into my account to see over {$1800.00} worth of international charges in my account. I called BOA and they canceled that card and sent a new one and advised I go into a branch to dispute the charges. I went to the branch the following day and opened a dispute on XX/XX/year>. I called the bank on the XXXX to ask about the credits and I looked on the XXXX and they updated the claim on the XXXX denying the claim, I called and they could not tell me much told me to call back to another department on Monday as they are closed on the weekend. They said the decision was made that I was responsible for the charges but they did not have any further details. I have not even left the country how am I responsible for these international charges!? I am so frustrated and this is causing issues with my bills and account being overdrawn. This is so wrong and I feel ike there is nothing I can do BOA is a huge company and I am just a little guy, I am not at fault and I am being treated as if I am lying and making this up when I have not left the country!
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AMEX XX/XX/XXXX  I disputed them with the creditors and credit bureau but they remain on my credit report!
Product: Debt collection

Someone stole my social security number and name and used this information to open an account with XXXX XXXX in XXXX. The fraudsters failed to pay the bill, and the company turned it over to a collection agency : LVNV FUNDING LLC. The fraudulent account was reported to XXXX on XX/XX/XXXX. Amount : {$170.00}. 

I have never lived in XXXX. This account should have never been opened in the first place. XXXX  XXXX acted in a reckless and negligent manner by opening an account in my name without verifying the information provided by the criminals. Just XXXX did not even notice that I'm a prior victim of identity theft. 

XXXX refuses to remove the account from my credit report because the collections agency " has verified '' it is accurate. IT'S NOT. IT'S FRAUDULENT. I HAVE NEVER LIVED IN XXXX, BUT XXXX XXXX SINCE XXXX!!! And I've been out of the country for a year now. 

My credit score has decreased as a result of both companies ' negligence. XXXX XXXX should be investigated for failing to follow basic protocols to ensure that no accounts are opened without proper identity verification. 

I demand that XXXX XXXX write off this debt as fraudulent, contact the collection agency so it stops demanding payment from me, have all three bureaus remove this fraudulent charge from my credit report, and immediately close all existing accounts in my name and refrain from opening additional accounts in the future or other remedies will be sought. 

I demand that LVNV Funding immediately stop all collection attempts and communicate with all bureaus to have this fraudulent information removed from my report. Stop opening accounts in my name! I also demand that the utilities company and the collections agency inform me of every single account opened using my information, including but not limited to address of service, dates of service, balance and others. 

ACCOUNT reported to XXXX on XX/XX/XXXX : XXXX I have never heard of these companies prior to receiving an email from XXXX XXXX informing me that this account was added to my report.