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

XXXX/DriveTime never updated my status to positive when I paid my vehicle off in full. It is verified in the system and they confirmed the vehicle has been paid off years ago and they left it inderogatory status hence reflecting negative and DEROGATORY STATUS on my CONSUMER CREDIT REPORT!!! 

I WANT THIS REMOVED IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$7900.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, my entire livelihood has been revolved around a particular online dealership called XXXX. Unfortunately, I decided on the XXXX day of XXXX in the year XXXX to exercise my rights as a natural person by applying for an extension of consumer credit for a XXXX XXXX XXXX  with lien holder XXXX XXXX XXXX for total amount finance { {$31000.00} } with down payment of { XXXX }. Initially, the vehicle being purchased was a dream come true but turned into a complete nightmare soon after! This incident is one that has taken me by surprise and seem to have caused me severe pain and suffering while also being an unprecedented time in my life! The retail purchase agreement contract states that XXXX and I agree that this agreement is governed by federal law and the law of the state of XXXX licensed dealership. Subject to the terms of this agreement, XXXX agrees to transfer to me the natural person the title and ownership of the vehicle at XXXX address. However, the dealer has failed to title the vehicle to me the consumer within a forty day proper time period of the federal law that we agreed to abide by in Contact! Furthermore, I received the memorandum title a year later finally on the XXXX day of XX/XX/XXXX after not being able to register vehicle in my state of Ohio for an entire year. Soon after registering Vehicle in my name after not being able to on XX/XX/XXXX the vehicle was repossessed. Which has now triggered XXXX  XXXX within my livelihood! Their tactics against me has been unfair And deceptive Under federal law I as a consumer ( natural person ) have rights. Which leads me specifically to Act ( Title 1 of the consumer credit protection act. Truth and lending ( TILA ) prohibits creditors and loan originators from acting in a self-seeking manner, especially when to the detriment of the client.
Product: Credit card or prepaid card

I have been using the US Bank credit card for >10 years and earned rewards. Most of the time, I redeem my rewards for airline travel and never experienced any issues. Due to COVID-19 outbreak, I began to redeem my points for 3 pieces of merchandise in which 2 of them arrived within 1 week. The last piece of merchandise ( XXXX XXXX knife set ) was on promotion for XXXX points when I redeemed it. This merchandise never arrived and I began to call and follow-up on it about 2 weeks after XXXX XXXX which was XXXX. XXXXspeaking to XXXX and he said it would be shipped out on XXXX XXXX. By XXXX. XXXX, I still didn't receive it so I call again that day and was told that I should receive it within 30 days because the website listing 30 days. I checked the website and this product was still listed as available but the points went up to XXXX points. On XXXX XXXX, I called again and spoke to XXXX and was told to wait for 6 weeks so I called the next day and spoke to XXXX who placed an order to track it. I called again on XX/XX/XXXX and spoke to XXXX and she said the tracking took 7-10 business days. Finally, I call again today and ask to speak to 2 supervisors, XXXX and XXXX. I finally am told that the product was out of stock so I question XXXX that if this product is out of stock, why does the website still lists it as available? She could not answer. All they will do is to credit my rewards points back and I have to wait the end of next week to get all the points back.After all 6 weeks, I finally am told the truth which should have been communicated to me sooner. What I learn from this experience is that US Bank reward department has no accountability to track the merchandise at all. It should not take them 6 weeks to finally tell me what I had expected. Now that it will take more points to redeem this merchandise and they just do not honor what they had promised to the customer, the easy way out is to lie that the product is out of stock. If this product is actually out of stock, then it should not be listed on the website in the past 6 weeks that I have been waiting. What they did is contradict to what the reality is and I consider this a a fraudulent activity to the customer.
Product: Debt collection

The company did not send validation of the debt in writing within 30 days of initial contact The company did not have permission to contact me. 
The company did not satisfy my request to validate the debt as the following were not provided : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Commission for debt collector if collection efforts are successful.
Product: Debt collection

As previously investigated in a previous dispute this company never mailed me a letter about a collection for {$280.00}. I only found out about the debt after seeing it pop up on my credit report. I disputed it with Congress collection via credit report electronic disputes and the company would not investigate their error. After disputing this with CFPB and XXXX, Congress Collections obtained my correct address and mailed me a letter as well as called my phone harassing my wife, my XXXX yr old daughter, and myself about payment. I called XXXX XXXX the original owners of the debt and informed them about new legislation that bans companies from trying to sue their customers for medical debt during a pandemic. They were shocked and didnt know that my copay was covered by the VA and apologized for their incorrect billing procedure as well as not following new government guidelines and laws. 

Congress collections has refused to correct their erroneous collection which I do not owe or have to pay for from my credit report. This is illegal and a direct violation of my FCRA rights as well as several new rules put into place during this pandemic. As a government employee I will be writing to the White House and National Consumer Law Center to let them know about malicious debt collection companies and CFPBs lazy investigations. 

Please see link XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested proof that I were late on the accounts reported.
Product: Credit reporting or other personal consumer reports

Paid off car and it was reporting payment history monthly until I paid it off and then it disappeared from all 3 credit bureaus. Now there is no history that I ever had an account with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the creditors has violated my rights. Under 15 U.S.C 1681 section 602A states I have a right to privacy. Under 15 U.S.C 1681 section 604A section 2, it states a consumer reporting agency can not furnish an account without my written instructions. Under 25 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

Calling my references and telling what company they are from. Calling my job without consent
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I am writing to dispute the late payment consistently reported on my XXXX XXXX XXXX account number XXXX According to my records, I have never been late on my payments. XXXX and XXXX reports no late payments. However, Transunion reports that I am late. On the other hand, Transunion twice for 30 days and twice for 60 days, respectively. I would like to bring to your attention that this discrepancy is a clear violation of 15 USC 1681e ( b ) protocol, which requires that credit reporting agencies ensure accuracy and completeness of credit reports. Additionally, 15 USC 1681A ( 2 ) ( A ) ( 1 ) excludes transactions and experience that are not relevant or obsolete from credit reports. Furthermore, I would like to assert my rights under 15 USC 6802 ( b ) to opt-out of transactions reporting on my credit report. I would appreciate it if you could remove any late payments that were erroneously reported on my credit report. Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

American Express is reporting a debt on my credit file. I have tried contacting them multiple times to get this taken care of and can not get a hold of anyone. This account is so old I don't have the needed information and I want to pay the account but its impossible. I either need someone to help me or get this removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of the 143 million Americans that had their personal information stolen during the one month+ data breach at Equifax . I demand restitution and at the very least free credit freezes for at least three years. That in itself is not good enough to cover Equifax 's horrible data security but it 's at least a temporary band-aid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  keeps adding the address to my report which I have never lived in IL. I have lived in WA State my whole life, This is a issue I have to dispute every 2 to 3 years. Please remove this address again. It states on my report as of former 2018. 
XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

I was recently traveling out of the country on XX/XX/XXXX, and I tried to use my Citi AAdvantage card in XXXX XXXX to pay for the taxi, and the driver kept getting a declined message point. I used another card. The next day I called Citi to find out what was going ; they told me that my credit limit was lowered from {$5000.00} to XXXX and that I could be transferred to another department to put a statement on my credit report because I had some late payments, etc. I have had this for almost five with an excellent payment record. Below is what they are showing on my account at the Citi site : Key Factor ( s ) Affecting Your XXXX Score : 1 Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to XXXX Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. 
I don't know what they are talking about, but if you can see on the account history I have attached, it's excellent. When people carry a balance, that is how they make money. I think they are doing this because the economy is terrible, and people live off their cards, not me. I have a job. And when they take action like this, it makes a situation worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed multiple accounts on my report I do not recognize
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Under USC 1681g, I request their removal within XXXX  days. Attached are the relevant documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY COMPAINT IS WITH XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. FOR WRONG REPORTING OF INFORAMTION. I PULLED MY CREDIT REPORT AND FOUND XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX GA XXXX. IS REPORTING XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX. ACCORDING TO XXXX XXXX THIS ACCOUNT LAST REPORTED IN XX/XX/XXXX. THAT NOT TRUE I STILL OWN THE CAR I MAKE MONTHLY PAYMENT ON CAR TO XXXX FOR {$400.00} A MONTH. ALSO THE REPORT AS OF XX/XX/XXXX IS REPORTING BALANCE WRONG {$12000.00}. THE LAST ACTIVITY OF XXXX XXXX THAT REPORTING WRONG.. THE HAVE ON THERE 48 MONTHS THAT WRONG. 30 DAYS WRONG 60 DAY REPORTING WRONG AND 90 DAY REPORTING IS WRONG. IS SHOWING 48 MONTHS THAT NOT TURE IS A 79 MONTH LOAN. THE REFUSE TO REMOVE THIS INFORAMTION. I SENT OVER DOCUMENT OVER TO CREDIT BUREAU THE WILL NOT REMOVE REPORTING. THE STATE THAT THE MAKE SURE CREDIT REPORT IS ACCURATE.
Product: Credit reporting or other personal consumer reports

I have attempted to reach out to XXXX  on multiple occasions. Multiple accounts are being reported inaccurately. MY credit card reported XXXX dollars more then value of the card, My pay day loans continue to reflect closed which should reflect revolving accounts. My Vehicle XXXX  XXXX XXXX was paid in full but reflecting closed, My signature loan shows closed, A closed account can reflect as a negative account. I have been deligently trying to work with XXXX to recitfy my concerns, but it seems to be passed on, A closed account is an account that can no longer be used to make charges, while a paid in full account is a closed account with a XXXX balance : Closed account An account that can no longer be used to make charges, but it may or may not be paid in full. A closed account can remain on your credit report for up to 10 years. The account information will show if there is a balance and whether the account payments were current, late, or had been late. 
Paid in full An account that has been closed and has a XXXX balance. When a loan or a closed credit account are paid in full, they should be reported as such on all of your credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to misreport any information on my credit history.. Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. This account is past the statue of limitations to collect on this debt.
Product: Bank account or service

I believe that I was charged or enrolled in Watch-Guard Preferred which is a wallet protection program that was previously offered by Citibank N.A . without my consent or knowledge.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information on Credit Report Account Name : XXXX XXXX Account Number : XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report regarding the above-referenced account. Pursuant to 15 U.S. Code 1681s2, furnishers of information have a duty to provide accurate and complete information to credit reporting agencies. However, the information reported by XXXX, XXXX, and Equifax contains multiple discrepancies that must be investigated and corrected. 

Below are the inaccuracies : Date Opened XXXX reports XX/XX/XXXX. 
XXXX and Equifax report XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
Date of Last Activity ( XXXX ) XXXX and XXXX report XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
Date Reported XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
High Balance XXXX and Equifax report the High Balance as {$480.00}. 
XXXX reports the High Balance as {$0.00}, which is inaccurate. 
Request : Delete immediately due to inconsistent and unverifiable information.
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$2800.00} XXXX  XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021, I disputed inquiries from XXXX XXXX Auto Finance ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), The XXXX XXXX XXXX XXXX ( XX/XX/2021 ), and  Capital XXXX ( XX/XX/2021 ) with TransUnion to no avail as evidenced by the return receipt. In addition, I contacted the creditors via written correspondence as evidenced by the return receipts, and they could not verify that I completed an application with them. TransUnion failed to investigate this matter or show me any proof illustrating that these creditors had a permissible purpose to access my credit file ; and as a result, my credit has been adversely impacted. TransUnion failed to confirm that the above referenced creditors had a permissible purpose to access my credit file. In fact, I previously disputed an inquiry that TransUnion allegedly verified, but the company, XXXX XXXX, communicated that it was an error and it would be removed as illustrated by the enclosed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : ExperianXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

In XXXX of XXXX, I was in a car accident in which my car was totaled which necessitated the purchase of a car. I purchased a car from XXXX XXXX ( XXXX XXXX ) and the original finance company was Mid-Atlantic Finance. 
I made the payments through the year. In XXXX, I went into the office while visiting my brother in the area. When I did I was asked to contact XXXX XXXX because they had not received the title. 
After returning to XXXX, I contacted the dealership who explained that they had decided to pull the financing back from Mid-Atlantic and I would be making payments at the dealership. On XXXX XXXX, XXXX, I signed a new contract with XXXX XXXX. Within two weeks, the contract was sold to XXXX XXXX and I began making payments to them. 
At this point I thought everything was fine. I received an email from XXXX XXXX at Mid-Atlantic Finance stating that my account was seriously delinquent and that I needed to pay {$2000.00}. Upon contacting the company, I was informed that the car was up for repossession if the account was not brought current. I explained that I was making payments to XXXX XXXX. I was told there was no information about that and the car could be repossessed. 
I was upset by the conversation so I contacted the original dealership. When I told XXXX XXXX of the conversation he explained that Mid Atlantic was not the legal lienholder on the car and they have no legal right to repossess the car. 
On XXXX XXXX, XXXX, I had XXXX on my shoulder from the car accident in XXXX. On Monday, I was supposed to go to my post-op appointment and discovered, upon taking trash to the dumpster, the car was gone. 
I received a notice on XXXX XXXX, XXXX regarding the repossession stating that I had 45 days from the date of repossession to get my belongings from the car. I was finally able to get to the yard where the car was supposed to be on XXXX XXXX, XXXX. When I arrived there, the person who was supposed to meet me was not there. I waited for two hours when someone finally arrived, I was told the car was not there. My belongings were in a shed, though I do not believe I got all my belongings from them. 
I went to XXXX XXXX and spoke to XXXX. She gave me copies of documents showing Mid Atlantic Finance application for a duplicate title, marking through XXXX as the lienholder, a DMV report from XXXX XXXX, XXXX showing XXXX as the legal lienholder. XXXX also had information regarding the car being removed from XXXX on XXXX XXXX, XXXX. 
I filed a report with XXXX XXXX Sheriffs Office case report XXXX XXXX. Since the report has been closed and deemed a civil matter. It was explained to me be one of the detectives that for a car older than six years, the company was obligated to provide 30 days in which the consumer could retrieve the car. They did not have the documentation from the clearing house which shows the date the car was removed from the tow yard. My attorney contacted the clearing house and they provided the information showing the date the car was removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.