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

My wife at the time, in 2011 had a car financed through Santandor. We made made payments on time when we were together. We ended up getting separated and divorced. She kept the car but she missed 14 payments payments during this time. She finally paid the car off now the account says paid/closed on it. I signed the title completely to her. Can I get my name off this account and get it removed off my credit report.
Product: Vehicle loan or lease

XXXX and Equifax Credit Bureau both has been false reporting my credit for the last three -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : 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 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 By turning account into a charge-off they are able to keep account on the credit report inaccurately I'm applauded after 3rd car accident in a roll of someone hitting me and founding these major errors, Finally, the default months are after settlement dates car accident on XX/XX/XXXX Pymt date of XXXX XXXX on XX/XX/XXXX Senior Rep at XXXX  name XXXX claims Payment came in sometime in XXXX XXXX. Hopefully someone there processed the payments ( investigate ) spoke w her on XX/XX/XXXX over a recorded line exactly at XXXX on Tuesday she stated that both payments are there but they continue to not report my credit properly causing me credit denials, higher interest rates, higher payments for cars and bad purchases for vehicles that breakdown quickly..
Product: Credit card

Citi XXXX XXXX XXXX did not record automated payment sent electronically from my bank checking account to the card company. Credit card company sent me an email past due notice, denied an automated bill pay from another company and placed a hold on charges. Calling customer service results in long hold times, disconnects and an unsatisfactory results. My bank records indicate the payment was sent and received. The card company will now bump my low rate to the default rate as well as charging a late fee.
Product: Mortgage

I am in default of my mortgage with Ditech and have to cure this on XX/XX/2016. I am trying to receive their Request for Mortgage Assistance package to avoid foreclosure. I have repeatedly attempted to reach my personal representative, without success. Either the system hangs up without being able to reach a human being, puts me on hold for at least an hour and I give up, or my personal representative 's mailbox is full so I can not leave a message. I have resorted to sending in-mails on their website, have received confirmation of them, but never receive an actual response ( except for one in the US mail that said they would get back to me in 30 days, well after the date of cure ). In sum, I believe they are placing me in an untenable situation, which will cause a foreclosure that could be avoided. I am shocked at the cavalier way they are treating a very serious situation. My phone and email records do support the activity I mention above.
Product: Debt collection

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and XXXX inaccuracies. I never authorized or given permission for this to be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another len Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 
RESPONSE DISPUTE 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 results 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 identit theft!! Please delete these items as soon as possible!

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 reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX  XXXX
Product: Debt collection

MONTEREY COLLECTION IS REPORTING AN ACCOUNT TO MY CREDIT REPORT THAT HAS INCONSISTENT AMOUNT OF BALANCE. IT CONCERNS ME HOW THIS ACCOUNT KEEP COMING BACK VERIFIED EVEN IF I HAVE TRIED MANY TIMES TO ASK FOR VALIDATION. PLEASE SEE ATTACHED SNAPSHOT FOR THE INCONSISTENCY. THIS IS THE TRACKING # XXXX FOR THE VALIDATION LETTER I FIRST SENT AND YET THEY NEVER RESPONDED TO EVEN AFTER COUPLE MORE LETTERS
Product: Debt collection

I had a vehicle repossessed in XXXX, it was included in a XXXX XXXX XXXX XXXX  which was finalized in XXXX. I have asked, and then told them to quit calling me and now they are calling my ex wife and other family members. XXXX XXXX XXXX, what a bunch of XXXX XXXX XXXX XXXX  They bought this debt from someone not knowing it was included in a BK but they won't leave us alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information reported on account is invalidation.
Product: Checking or savings account

Navy federal charged me overdraft fees for transactions they knew I did not have the funds to process. They allowed me to process the transactions regardless of my insufficient funds. They also credited me for financial claims automatically without proper investigation. And then reversed the credit and put me in overdraft after the proper investigation was done, then closed my account after I couldnt pay back the automatic credit.
Product: Credit card

I have yet again ( 3rd time - previous complaint id XXXX ) on XX/XX/XXXX received email notification that BofA received an application for the XXXX XXXX XXXXXXXX XXXX credit card from me, however I did not fill out an application for any card. This time I was home and not on vacation, so I was able to address it promptly and called on XX/XX/XXXX and had them cancel it. However, they are labelling it fraud and shifting the blame to me as though I was negligent with my information. Why then, if this was fraud do I get emails announcing it and the other 2 times I actually got the cards in the mail because I didn't react fast enough and knew I had not filled out applications, so I did not think anything of it until I saw that BofA was in trouble for just this very thing. 
It makes no sense, if someone was applying for a card using my info then they would have the card sent to them. 
BofA application reference number is : XXXX
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, and XXXX XXXX XXXX. Please remove ASAP.
Product: Debt collection

KASHABLE LLC is inaccurately reporting on my credit report that {$3400.00} is owed. I have never done business with this company
Product: Debt collection

My account number XXXX with Affirm was part of a bankruptcy and they keep trying to collect on it, I started my bankruptcy in XXXX and Affirm was added to it at the beginning of XXXX my bankruptcy was discharged and finalized in XXXX of XXXX, I paid the one Affirm account that was not part of bankruptcy for XXXX, but the account for XXXX was part of bankruptcy and i keep getting the run around from this company. most of their calls go overseas and the reps answering the calls don't even know what a bankruptcy is so they give me a hard time, Can you please resolve this for me and have them please delete this error off of all 3 credit bureaus. I would greatly appreciate any help you can give me. Thanks
Product: Credit reporting or other personal consumer reports

I mailed letters to XXXX, Equifax, and XXXX about inquiries I wanted to be removed due to them having no WRITTEN consent allowing them to furnish on my report. Furthermore, I have waited over 30 days for the required response time. It is actually almost 60 days and there has been no response.
Product: Bank account or service

I just started a new job. There was a memo sent out company wide about the company going from a bi-weekly to a semi-monthly payroll schedule. This company wide memo was issued prior to my start date. Friday XXXX XXXX was the beginning of the semi-monthly pay schedule. I scheduled all my bills to be paid on XXXX XXXX when I realized my direct deposit did not hit my account I immediately contacted my employer then contacted Bank of America to inform them of what happened. The representative I spoke to assured me not to worry that she was going to notate my account so that these transactions are paid since since my direct was set to hit my account overnight. The direct deposit it my and bank of america returned all of the items and charged me XXXX overdraft fees with money to cover those items in my account.
Product: Vehicle loan or lease

My car was repossessed the people that picked up my vehicle messed up my front bumper my brake system my two front tires from dragging it
Product: Debt collection

I contacted XXXX XXXX XXXX about 2 months ago to clear a debt and pay it off in collections. The lady was nice and pulled up my account and told me that it was against the law for them to accept payment due to the being past the statue of limitations here. I respectfully asked what can we do and she said not pay it because they can't accept payment. I wan na resolve this somehow to purchase a home. This is a debt I was willing to pay but have disputed for 2 months no resolve from XXXX or nothing. The debt is {$1100.00} I was willing to negotiate but they can't accept payment please help me resolve this somehow or let 's work with the company to get this debt removed as a good will deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

this information has been previously disputed and i have not had any resolve to the following inaccaurtae and illegal accounts being reported to my profile. These accounts can not be legally verified by a natural person, and so must be deleted or face civil liability by rights of 15 usc 1692k in the amount of XXXX for each violation that is found. Delete these accounts, and advise the three credit bureaus XXXX XXXX, and XXXX, that they are also in violation by reporting this information, and can also be found liable, the same as the third party debt collector. This is false and deceptive information, as I am The Original Creditor. Removes these accounts. 

XXXX AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$100.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$100.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$30.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$940.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$28.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$120.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$920.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$940.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXX XXXX XXXX The following information is also inaccurate and needs to be deleted in order for me to receive proper and accurate information/response being sent to me or information that is possibly being reviewed. 


XXXX inaccurate information ****** XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX ADDRESSES REPORTED o XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX o XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX *******XXXX inaccurate information ****** XXXX XXXX XXXX XXXX P XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit card or prepaid card

I financed the purchase of   XXXX    XXXX  through CARECREDIT / SYNCHRONY BANK for {$2100.00}. Apparently, when I enrolled in autopay, I selected the option to have the Statement Balance deducted instead of the Minimum Payment Due. I discovered the issue when my checking account was overdrawn. I reported the issue to CARECREDIT / SYNCHRONY BANK in an  18 minute 3-second phone call  on  XXXX   XXXX ,  2017. Thre  e  weeks after reporting the issue I have not received a refund. I called two more times and filed a written complaint to   XXXX   XXXX   XXXX  .     I was originally told it would ta ke 8-15 da ys to process a refund. Most recently I was told the check had been mailed and that I could report it as missing and they would process the refund again after they verified the check had not been cashed. In other words, the process would begin again. It is inconceivable to me that a financial services company would send a check for more than {$2000.00} without any tracking.     In short, CARECREDIT / SYNCHRONY BANK has been inordinately slow, irresponsible and negligent in processing a refund. In the meantime, I am paying interest for {$2100.00} overdraft protection through my bank. I would greatly appreciate it if you could persuade CARECREDIT / SYNCHRONY BANK to expedite the refund process and send the check with overnight delivery and tracking.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are in violation of my rights as a federally protected consumer. 
They are in violation of The Privacy Act of 1974 and FCRA. 
They have not given me any notice to opt out although it is my right as a federally protected consumer as per 15 USC 6802-6805 and 16 CFR 313.7 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' LVNV Funding LLC, XXXX XXXX XXXX and XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 
They are in violation of XXXX XXXX XXXX by reporting transactions and also in violation of XXXX CFR XXXX, XXXX, and XXXX Attached is my opt out letter as XXXX, XXXX XXXX XXXX and XXXX services failed to give me an opportunity to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Orignal creditor : XXXX XXXX Account number XXXX Date opened XXXX XXXXXXXX XXXX Account type Collection Status Collection account. {$3900.00} past due as of XX/XX/2023. 
Status updated XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXXXXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

On XX/XX/XXXX we submitted a complaint to CFPB ID : XXXX. On XX/XX/XXXX XXXX from USAA emailed stating she works with USAA CEO 's office and that they will investigate what occurred. 

On XX/XX/XXXX, we received notice from USAA that our account ending is XXXX had been closed. This is the account of the initial compliant where USAA provided provisional credits for disputes that a fraudster generated against our mortgage account. This changed our negative balance - {$6500.00} to CHARGE OFF CLOSE. However, it also closed all accounts associated with it. This includes XXXX auto insurance policies XXXX XXXX homeowners ' policies. Thus, we are at significant risk for various liabilities for any disasters, accidents, etc. 

These actions to close the account occurred without our knowledge and isn't what we asked for and seem to be evidence of the unprofessional actions that caused the initial errors. We have tried to resolve this issue with mutiple phone calls dating back to XXXX but it took a complaint with CFPB to get a response yet, it was inadequate and didn't address our concerns. 

However, the provisional credits are less than the amounts the mortgage companies returned to the bank. Specifically, XXXX XXXX had payments from XXXX through XXXX returned in the amount of {$7100.00} XXXX XXXX XXXX had XXXX XXXX XXXX payments returned totaling {$7500.00}. 

Hence, we are owed {$8000.00} in mortgage payments we paid out multiple times due to USAA errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still accouint that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts ( 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  these alleged debts are reported as a chargeoff collectionon my XXXX, XXXX and Equifax consumer reports which is negatively affecting my ability to obtain credit.