23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acquired auto installment loan from XXXX XXXX XXXX  XXXX TEXAS-LOAN OFFICER XXXX XXXX XXXX, LOAN NUMBER XXXX, PRINCIPAL {$16000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX I CONTACTED XXXX XXXX XXXX LOAN OFFICER XXXX XXXX XXXX ABOUT ANOTHER AUTO INSTALLMENT LOAN XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX GA, XXXX XXXX PAID OFF THE XXXX XXXX XXXX XXXX  REMAINDER BALANCE BUT XXXX XXXX XXXX   NEVER POSTED THIS ON EXPERIAN CREDIT FILE, I CONTACTED XXXX XXXX CREDIT REPORTING DEPT WITH NO POSITIVE RESULTS, XX/XX/XXXX I CONTACTED XXXX  FILED A REPORT, XX/XX/XXXX THE SENIOR VICE PRESIDENT XXXX XXXX XXXX Senior Vice President XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX P : ( XXXX ) XXXX C : ( XXXX ) XXXX XXXX XXXX assured me this matter will be fixed before the next credit report, XXXX XXXX I went on FREE CREDIT REPORT uploaded a copy of the XXXX XXXX XXXX  XXXX XXXX XXXX  payoff loan document,, XXXX I CONTACTED EXPERIAN REP XXXX PHONE NUMBER XXXX, XXXX tells me to call him back with the loan number and he will take care of this problem,XXXX XXXX XXXX  I called Experian Rep XXXX to give him the Loan info Then XXXX tells me he cant help me, XXXX tells me XXXX XXXX XXXX  has to send the information..I contacted XXXX XXXX XXXX XXXX XXXX   credit reporting officer XXXX XXXX phone number XXXX..Mr XXXX XXXX me XXXX he sent in the trade line to Experian credit reporting agency..XXXX Mr XXXX XXXX said he contacted Experian corporate office in Illinois and spoke to the Experian main office then Mr XXXX tells me he will call me Today XXXX Mr XXXX did not call me Today it is XXXX XXXX The XXXX XXXX XXXX XXXX has NOT POSTED ON MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$830.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$110.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX Installment with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX Installment with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXXXXXX with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXXXXXX XXXX account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$1500.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems of XXXX XXXX XXXX # XXXX, XXXX, TX XXXX has fraudulently reported to all three credit bureaus an outstanding balance of {$92.00} with " XXXX '' on account it is showing as " opened '' on XX/XX/2021. 

Initiating communication with this company as well as XXXX has been impossible. This company deliberately puts you on hold and leaves you there without answering any questions. 

I can not even begin to resolve this fraud because it simply state it is with " XXXX, '' a worldwide company. If you try to obtain discovery information from XXXX, they say they no longer have the account and refer you to Southwest Credit Systems. 

It is a willful and deliberate game of chase your tail and is an outrage. I am planning to seek litigation against Southwest and have also preparing to testify before U.S. Congress on a federal bill aimed at such unscrupulous companies. I am also a national news reporter and plan to begin covering the mess these collection agencies have made of people 's credit standing.
Product: Credit reporting or other personal consumer reports

Tuesday XXXX XXXX I was able to receive a credit report because I kept falling my identity test. While reviewing my credit report I noticed that I had two social security numbers that was attached to accounts on my credit report. I also had an account with wrong information. So, the account with wrong information was " XXXX XXXX ''. This account was from XXXX XXXX XXXX XX/XX/XXXX. I gave them a call because I have XXXX and I didn't understand why my insurance wasn't billed. After speaking with them I found out the information that was on that account was not the same as my information so I'm requesting a dispute. Next was XXXX XXXX XXXX XXXXXX/XX/XXXX this account was for " XXXX XXXX XXXX ''. This account made me very upset because I have never had my own place and there billing information isnt consistent with mines. Also, I live in XXXX, and I can provide receipts for the last 8 years. Then the last one was National credit adjusters XX/XX/XXXX. This account is from Ohio as well, but the account was attached to a another social on my report and it was around the time I was giving birth to my daughter at XXXX. I believe someone may have had access to my information because I did lose my I.D . While riding home from work on the bus, I was so tired I left my purse and didn't realize it until I got home. 
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Product: Credit card or prepaid card

US Bank advertises that consumers using their credit card will not be charged for fraudulent charges or accounts. They back this promise up with a guarantee. I was a victim of identity theft and had multiple fraudulent charges on one account and a fraudulent account opened in my name. I tried to work with the US Bank Fraud Operations Department by providing them with an indentirty theft report from the Federal Trade Commission and also a police report. Despite this, the denied the fraud claim and held me liable for thousands of dollars in fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Reached out to company XXXX about verification of debt because I keep receiving emails about them wanting to pursue legal action and I reached to to get verification of debt and they said they need personal information first to confirm they have the right person. I didnt feel comfortable giving that information because it might be used against me later.
Product: Mortgage

Missing my escrow $ 8,000+ escrow check from a house closing in XXXX from Flagstar Bank . They will do nothing to help. They said they can recut a check and I can wait for another 2 weeks but I need it to close on a house. I was supposed to have it by the XXXX of XXXX.
Product: Debt collection

About a year ago we financed a computer through synchrony bank for a company called XXXX XXXX. We've financed XXXX other computers through the company over the last 6 years without incident. However, beginning in XXXX of this year we have been getting text messages and emails supposedly from this bank that we had unpaid payments and they notify us of this just a week or so after we made the payment. It's getting beyond the point of annoying because they are contacting us XXXX or XXXX times a week. We've tried to call them, returned their emails, and text messages to no avail. I am starting to think this bank has been spoofed in an attempt to obtain money that we do not owe because the bank is a fraud. I have the information from our messages. " This is a message from Synchrony Bank. Return our call at XXXX or our mailing address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Synchrony Bank XXXX This is a recorded call. '' Please help investigate this company for the harassment they have inflicted on us. 
Sincerely, XXXX XXXX, XXXX XXXX ( XXXX. )
Product: Student loan

Two collection agencies by the name of Loan Science and XXXX has been continually harassing me by phone. It started on XX/XX/2016 with calls from a company by the name of XXXX - XXXX. They have called 1x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX. Then on XX/XX/XXXX I started receiving calls from Loan Science. They called 1x XX/XX/XXXX with phone XXXX ; 3x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 2x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX. They are looking for a person by the name of XXXX. Both of these companies are looking for the same person. I explained to their representative " I do not know of this person or have I ever heard of a person by this name, and that I am listed on the XXXX and also my State of Indiana Do Not Call List ''. The representative then hung up on me. They continue to change their phone number with each call so it is hard to monitor who is calling. They should not be allowed to harass people on the Do Not Call lists who have no knowledge of a debt that is owed by someone that they have no knowledge of. They should be held accountable for violating the National and State Do Not Call Lists. I myself, have never had a student loan in my life!
Product: Credit reporting or other personal consumer reports

I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Product: Checking or savings account

XXXX XXXX Bank, which is now owned by Key Bank is the problem. I opened a new online only checking account with them in XX/XX/2022. I had my often daily deposits going into the account from the company I am affiliated with and would transfer money out once or twice a week to another of my bank accounts that was an interest bearing account. On XX/XX/2022, XXXX XXXX shut down my access to my account and said it was " restricted '' due to " suspicious activity, '' This was done with XXXX warning or communication... no text, no email, no call, no direct message and no letter ( although I finally received the letter dated XX/XX/XXXX on the XXXX. ) The letter stated problems with restricted accounts are " generally resolved within 10 business days '' ... well that is clearly not the case. Today is the XXXX, 19 days after this situation began, and that includes more than ten business days. No one I talk to at the bank has given me any pertinent information than what is already apparent. No one has reached out, despite being promised a call from a manager. Whoever i spoke to had little or nothing to say to help with what is going on. They are literally holding several XXXX dollars of my income XXXX, yet I am being treated as a criminal!! I want to shut down this account and get my money back and having nothing more to do with this account. I am also tempted to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four unknown hard inquiries have been made on my credit. I didn't apply to any credit cards, loans, or any other service. These inquiries were made in other cities, no where near where I currently reside. One was made by XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX, CO XXXX, another inquiry by XXXX XXXX XXXX XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, another by XXXX XXXX XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX, DE XXXX, and another inquiry by XXXX on XX/XX/19 XXXX XXXX XXXX XXXX, OH XXXX. I never made those or gave permission to any of those companies to run my credit. I would like those inquiries taken off my credit report. I was told cfpb would be able to help.
Product: Vehicle loan or lease

I was in desperation for a vehicle and was at my wits end. The car lot ( XXXX XXXX XXXX ) fed on my ignorance and desperation for a vehicle since the engine one that I already had had finally died out. I had to use a XXXX ride to go to the dealership as it was all that I could afford. And the only way that I was going to get back home was if I had purchased the vehicle. When I got there, the salesman told me lies such as it was in a good condition, and reliable etc. But just XXXX weeks later the engine started overheating and I didnt know why. Well, {$700.00} later I found out that I could have fixed the issue myself because the mechanic told me that I had to replace both the thermostat and water pump. Again, XXXX weeks after that again, the car shuts down due to an anti-theft issue. It would shut down and leave me stranded on the road which is a very scary situation to be in. I had to quit my job due to mistreatment and I am currently in the process of joining the military and I dont want this situation to be a barrier for that. I would hate for a broken car to ruin the chances of me joining the military or buying another car or a house in the future. Its been XXXX months and I have not been able to drive my car. I couldnt pay my car note or insurance because once again, I had to pay for Lyft rides just to get to work and come back home, a very frustrating situation to be in. I still have this car but now it wont even turn on, and neither me nor my family have the money to fix it. I want this complaint to get out as much as it can. This situation is just a terrible one to be in.
Product: Debt collection

I got a copy of my XXXX credit report XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.
Product: Debt collection

15 USC 1681c2 A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 

I need these accounts remove immediately. These are not my accounts and do not belong to me.
Product: Checking or savings account

In XX/XX/XXXX, I attempted to make a ATM withdrawal from a local bank. The ATM told me the transaction was cancelled without a explanation or my money. I waited for the ATM to go back to the home screen, when it did, I departed without any money. I filed a dispute with Chime the next day after the occurrence, because the representative from Chime on XX/XX/XXXX told me to wait until the transcation settled before filing a dispute. My I initial dispute was denied within XXXX hours. I called Chime and the owner of the ATM and the owner of the ATM told me the machine was balanced on XX/XX/XXXX and they noticed there was average of {$500.00} on my account and notified Chime, yet Chime still ajs not deposited my mo ey in my account as of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed multiple inquiries from lenders that I did not authorize. I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

-I was alarmed that there are inaccurate late payment remarks on my report
Product: Debt collection

I 'm still on chapter 13 so I have 2 loans out now that I did not know i could n't get! It 's hard to pay them back but they is not in my chapter 13! Once going to happen once they find out I 'm off chapter 13
Product: Credit reporting or other personal consumer reports

Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some account that I do not recognize and also I did not authorize any information to be furnished, and this account is erroneous and has no permissible purpose. I have not done business with any of these companies. This account has violated my federally protected rights, delete this account due to violation of Title 15 USC 1681b. ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX title 15 USC 1681 : As the consumer I have the right to privacy and I did not give ANY bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXX v XXXX XXXX. 

FCRA SECTION 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Pursuant to USC Title 1692k I will pursue litigation for these violations that is causing defamation of character and financial injuries.
Product: Debt collection

Convergent Outsourcing placed an invalid collection on my credit report without any notification. I do not owe this debt. I disputed this numerous times with the credit bureau. I did not receive a response from Convergent Outsourcing and the collection account was not removed from my credit report. I then filed two complaints directly with Convergent Outsourcing on XX/XX/2020 and XX/XX/2020 and have received no response to those either. I am attaching documentation.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint for the 2nd time with Toyota Financial. I received a copy of my credit report and found that the following items to be in error and am writing to provide clarification regarding the inaccurate delinquency status thats been reported inaccurately to my credit report from Toyota Financial. Toyota has been reporting to my credit report as being delinquent since XX/XX/XXXX. I want to assure you that the delinquency is not a result of missed payments but rather a consequence of the maturity date of the loan. I was due to pay off the car loan within 72 months but during the life of the loan XXXX financially granted me extensionsthroughout the life of the loan due to hardship that would allow those payments to be put at the back of my loan which it would prolong the actual payoff date of the loan, hence why the car wasn't paid in full by the maturitydate XX/XX/XXXX. 



Furthermore, I would like to bring to your attention that on XX/XX/XXXX, I attempted to make a payment of {$630.00}. However, I was informed by a representative from Toyota Financial that couldn't accept a payment less than {$1700.00}. I was unable to access the latter amount until XX/XX/XXXX, at which point I made the necessary payment. Before and after the payment, I was informed that once I paid the lump sum of {$1700.00} that I would be able to continue to pay XXXX payments. Fine no problem, so I continue to make payments in XX/XX/XXXX on time, in which XXXX XXXX accepted. Called to make a payment in XX/XX/XXXX just to find out that it was assigned to a 3 rd party collection agency. And also while checking my credit report I found out that XXXX had closed my acct when my payoff bal was just a little over XXXX I was completely blindsided and was never informed of their action. What they are during is unlawful. 


Thank You for your time in this matter.
Product: Mortgage

We purchased home in XX/XX/XXXX. The house was XXXX until the end of XXXX. Pennymac knew this. XXXX Taxes were unavailable to Pennymac and myself until XX/XX/XXXX. In XXXX XXXX Pennymac was unable to collect tax bill due to TBA so they sent me notification that they were unable to do so at that time. I have been paying into my escrow every month, doing my part of the obligation. Pennymacs obligation is to pay the taxes from my escrow account. I assumed in XX/XX/XXXX when XXXX tax bill became available that Pennymac would pay it because the loan agreement said that and the Pennymac app said it would. However, Pennymac never paid the taxes. They did not notify me that they didnt pay the taxes until XX/XX/XXXX. Due to the delay, the account accrued penalties and fees. I was unable to pay for those taxes because that money was in the escrow account. Pennymac was obligated to pay them and they didnt. I finally was able to get Pennymac give me the money from my escrow so I could pay taxes myself. I then had to pay the fees and penalties that accrued. I asked Pennymac to reimburse me given they did not do their obligation but they refused. They said because they sent an email in XX/XX/XXXX saying they couldnt pay tax bill yet, that that absolved them from paying the taxes and it was now on me to figure it out. Again the loan agreement clearly states Pennymac pays on borrowers behalf. They treated me unprofessionally. Due to this issue we have struggled financially as the penalties and fees were significant. This was clearly a breach of contract and obligation by Pennymac.