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

In XX/XX/XXXX I obtained a leased vehicle with XXXX XXXX services through their dealership XXXX in XXXX. About 2 years into the lease I was contacted by the salesman whom offered me to upgrade my vehicle into a XXXX XXXX XXXX XXXX XXXX. I went to the dealership and signed the papers and traded my old XXXX XXXX for the new XXXX XXXX XXXX. About 2 weeks after I had the new XXXX XXXX, the dealership contacted me and told me that they had calculated the incorrect payoff amount on the vehicle and that I still owed a payment. 

At the time I was in college and a student, I could not afford to make a second Car payment and told the dealership that this was not fair as they can not contact me 2 weeks after I drop the car off and tell me I still owe money when I signed the contract already. I offered to bring the car back and return it for my old vehicle but they said it was not possible.

About 6 months later, I received a statement in the mail indicating that I would need to payoff the balance left on the vehicle or I would owe a significant amount of money as they would charge the account off. I phoned them and although still annoyed that I had to pay for the dealerships mistake, I agreed to pay off the balance. The representative then informed me that the car had already been auctioned and I now owed them around {$3200.00}. At that time it was completely impossible for me to pay since I had just come out of college. 

2 years later and finally agreed to settle the balance with them as I needed to obtain a loan for housing. I paid the amount and the account was settled. I have now discovered that they were continuously reporting payments on the vehicle for up to 8 months even when I did not have the vehicle in my possession or was not making payments to them. This gave a FALSE date of first delinquency that continues to disrupt my credit as the charge off shows wrongly. I have paid thousands of dollars in extra interest over other loans due to XXXX XXXX incompetence to provide correct Credit reporting. Additionally I have asked numerous time through dispute and direct contact for them to assist and fix the reporting errors to no avail.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax only cares about their profit. They are a publicly traded company that only cares about their profit. I have tried to pull my free credit report from XXXX XXXX XXXX and I have attached the error in image 1. XXXX shows my score as XXXX but this is far from the reality. If I request my free report I get the attached error but if I pay equifax for my report I can get it immediately. I have also attached images of equifax reporting me 90 days late for the same student loan 28x. Yes, the same {$3000.00} student loan being reporting late 90+ days 28 times. When I paid the loan off I was told I have a one time chance to have the negative marks removed so I took it. I paid {$2400.00} so I could fix my credit but now I am out of {$2400.00} which I really needed to survive during covid. Not only am I out {$2400.00} but I am unable to find an apartment and can not even finance a car to travel or possible temporarily live in because 28x 90+ day marks show up on every report. Please help I am trying to do everything right. Attached images are 9x 90 day late and the other is 19x late. Same student loan and if I try to contact them they send me to someone else over and over and over.
Product: Credit card

I opened a Bank of America Travel Credit Card upon the recommendation of a bank employee, specifically for its benefits related to travel and foreign transactions, as the bank employee learned that I was moving to XXXX. The card functioned without issue in XXXX until XX/XX/XXXX, when my attempt to purchase furniture in-store was declined, and my card was suddenly restricted. I received no prior communication via text or email alerting me to any issues ; the first notification I received was a mobile app alert instructing me to contact the bank, after the restriction was already in place. 

This unexpected restriction not only hindered my ability to make necessary purchases for supplies and transportation but also caused significant stress and inconvenience. Upon contacting Bank of America, I was transferred multiple times and received inadequate explanations and support. Ultimately, a customer care manager informed me that the restriction was due to my failure to respond to email alert ( according to him, Bank of America sends out email alerts asking card-holders to confirm whether they authorized the transactions at issue, and my failure to do so caused the restriction on my card ). However, the only email was sent minutes after the restriction was already applied, and it did not ask me to confirm anything ; it just asked me to call Bank of America immediately or my card will be restricted -- when it was in fact already restricted. Moreover, regardless of when the email was sent or whether the email was sent at all, I explained that it is unreasonable to expect customers to check emails all the time when alternative means of communications are available, and Bank of America did not give customers adequate amount of time to respond. However, the male manager insisted that he himself checks his emails " all the time '' and it was my fault for failing to do so.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I noticed that Equifax is alleging that the following accounts are negative without furnishing any proof of verification of these debt or that they followed all laws and regulations to report. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark ( s ). The FCRA also has recently banned medical bills on credit reports yet its are still reporting on my report.

I have sent numerous letter to the follow debt collectors requesting proof that I am indeed the party they are asking to pay this debt, contractual obligation which is binding on me to pay these debts. I have yet to receive proof. Equifax can no longer report If they are unable to provide the full reports of how they validated, verified, and how they are in compliance then these accounts needs to be removed IMMEDIATELY via FCRA section 609. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Calling into capitol one phone number listed on back of card for a fraudulent charge question I could not speak to a live agent without disclosing income and social security number to automated system. In addition they asked about alimony, child support and loan amounts which were not relevant to my account. I have no loans, children or ex-wives. 

No direct lines or last names provided by live agent once you get through. 

I filed a complaint and received case number only when I pushed agent, XXXX -Fraud and dispute manager, to do so.
Product: Credit reporting or other personal consumer reports

Target allowed for fraudulent transactions for card I did not receive. 
They have credited the account, but are illegally reporting late payment for items that were not mine. I have never been late on this card. 
Correct this in a timely manner or I will bring action for damages for false reporting.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX 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 Balance : {$520.00} Charged Off XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$1000.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$800.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$460.00} Charged Off XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$470.00} Charged Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX Open Date XX/XX/XXXX Balance : {$1200.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Date XXXX XX/XX/XXXX Balance : {$1100.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$660.00} Collection XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$1200.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection New Added : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$490.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$250.00} Late/Open XXXX  XXXX Account Number XXXX Open XX/XX/XXXX Balance : {$510.00} Late/Open
Product: Checking or savings account

On XXXX XXXX I went to purchase food for my children and quickly found out my credit karma debit card got declined. I quickly called credit karma a few minutes later and was informed that my account was locked or frozen and they were escalating the matter to their specialist team. A few days go by and I still dont hear anything from either credit karma or their specialist team. I have called them every single day with no resolution and no reason as to why my account has been blocked/frozen. On XX/XX/XXXX I received an email from them to send in documents to verify my identity and bank account information, and I did so. I sent them picture of the front and back of my government issued ID and a bank statement. They still will not release my account off hold. Credit karma has been nothing short of a nightmare. They are holding my ONLY source of unemployment income and refuse to release it. No matter how many times I call them, they tell me the same thing their going to escalate the matter to the higher team or your account is being looked into. I also tried to link a new bank account ( that belongs to my husband ) to try to get my money out of that account as I have no source of income because they wont unfreeZe my account. I cant transfer my funds out of the account, and even though I sent in proof of my bank statement, they are requesting more and more documents from my husbands account and still wont unfreeze my account. I have XXXX children That I have to feed and take care of. Im in a hardship right now and they are holding my only source of income. I have spoken to the credit karma supervisors, I have called the bank that FDIC insures credit karma money spend and save accounts, they sent an email to their superiors to see if theres anything that can be done. They only insure credit karma money spend and save accounts, so they dont have the power to unfreeze my account. Im not getting any answers as to WHY my account is frozen. I need help to resolve this ASAP. Thank you XXXX XXXX
Product: Debt collection

I reached out to Associate Credit Service, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX, to request debt validation regarding a reported account. Despite my request, the company has not provided the necessary validation. Instead, they have continued to report incorrect information to the credit bureaus, which has negatively affected my credit score. I have made several attempts to resolve this matter directly with Associate Credit Service, but my requests have been ignored, and the inaccurate reporting persists. I am seeking assistance in having this matter resolved. Thank you.
Product: Debt collection

XXXX XXXX and XXXX XXXX is reporting duplicateaccount on my XXXX, XXXX and XXXX Credit reports, The amount owing on the account was {$60.00} not {$220.00}. Have contactedthem several times and they have refused to remove this falseinformation. I have contacted all credit reporting agencies regarding this matter also. Please delete incorrect information.
Product: Checking or savings account

Discover Bank Someone opened an account under my name XX/XX/2022 spoke with Discover Fraud department and they froze everything and are investigating
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN ACCOUNT AND FEW INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY XXXXEDIT SCORE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Mortgage

Re : CFPB Case ID # XXXX submitted XX/XX/XXXX already closed by CFPB i am filing this new complaint because of Incomplete Response provided by Specialized Loan Servicing ( SLS ) to Request for Information dated XX/XX/XXXX submitted on my behalf by Atty XXXX XXXX XXXX I mailed the following letters dated XX/XX/XXXX & XX/XX/XXXX to SLS To : Ms. XXXX XXXX I D XXXX Customer Care Support SLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX Dear Ms. XXXX, Your response dated XX/XX/XXXX to the Request for Information dated XX/XX/XXXX by Atty. XXXX was provided by XXXX/Atty XXXX to me. 
There were 7 items she requested from SLS. 
Kindly respond to the items you have not responded especially item # 4 about LOAN OWNERSHIP also provide the DATES of each Loan ownership transfer. 
Sincerely, XXXX XXXX XXXX Signed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX SLS loan # XXXX ~~~~~~~~~~ Dear Ms. XXXX XXXX I am resending this XXXX/XXXX/XXXX letter to you because I did not receive any response from you Sincerely, XXXX XXXX XXXX XX/XX/XXXX SLS loan # XXXX ~~~~~~~~~~~ XXXX XX/XX/XXXX SLS provided to CFPB copy of SLS letter dated XX/XX/XXXX from XXXX XXXX ID XXXX that SLS sent to me with the information that : XXXX XXXX was the Original Creditor Federal Home Loan is the Current Creditor SLS is a third party mortgage loan servicer ; servicing of the account was transferred to SLS on XX/XX/XXXX SLS also sent a copy of the recorded Assignment of Deed of Trust from XXXX XXXX XXXX to SLS. 

SLS & XXXX XXXX NEVER informed me of this Assignment of Deed of Trust dated XX/XX/XXXX until SLS sent to me the XX/XX/XXXX letter All the information that I received from both SLS & XXXX XXXX was the transfer of servicing from XXXX XXXX to SLS effective XX/XX/XXXX QUESTION remains : After the Deed of Trust dated XX/XX/XXXX was assigned to SLS from XXXX XXXX WHEN & WHO & HOW MANY MORE TIMES was the Deed of Trust transferred until it was assigned to Federal Home Loan, the  current creditor?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XXXX XXXX XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}
Product: Checking or savings account

I tried to add a new debit card as a funding source to my account. This card is in my name and in my possession. They restricted my account and now I cant it use it at all because I can not provide proof of debit cards over two years old that I destroyed after they were expired or lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account ABILITY RECOVERY SER XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SER 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

Purchased a refrigerator from Best Buy XXXX Citi backed ) using credit card. Interest deferred for 18 months. Even though I have been making payments since I purchased the refrigerator, they are not applying all of my payments to the promotional balanace. I called them to ask them to do that with all my payments, and they say they can not because it's been more than 60 days. Wasn't there a law passed that said they had to allocate the entirity of a payment to promo balances first? Now, even though I have more than paid off the original purchase, I have a remaining promo balanace of {$350.00}. That does not make sense whatsoever.
Product: Mortgage

Complaint Details I filled out an application for prequalification on a home mortgage about a month ago. After about 3 days i received a prequalification letter saying i was qualified for a home loan of XXXX with 5 % down. It said that the next step was to find a home and get a contract. So I did.I put XXXX $ down ernest money and XXXX $ for option period then another XXXX $ on home inspection. I then had the realtor send over the contract and was instructed to call USAA to make sure everything was going well. Well I call the number listed on the pre qual and ask for the status and they say it has not been prequalified ... .then why did i get a prequalification letter? They said something might have got messed up so I went through the whole process again with no luck. The denial i got from the second one cited insf funds to close loan yet I had XXXX in USAA buyer was going to pay XXXX plus XXXX ernest and a XXXX gift ... that would be XXXX plus by the time the loan closed i would have had another XXXX. This is besides the point though ... I got a paper saying im prequalified for a loan through USAA yet when i called they said no. So someone made a mistake and it has cost me XXXX in inspections and XXXX in option fees ... that is a {$490.00} error because i received a prequalification from USAA and began the home buying process. Only one person told me exactly what was going on and actually advised me that USAA offers first time home buyers program that would help us out. The first like 6 people should have told me about this program, I clearly told them this would be my fist home. Anyways I am not out {$490.00} and have wasted a month going back and forth with bad services. I have never had issues with any of my other products but to fail so badly and XXXX us over will make me seriously reconsider another product through this company. And I do expect a reimbursement for my losses as if I did not have that prequalification we would have never continued the process and spent that money. I also now have numerous credit pulls because all said and done I went through 4 applications before I got the full story.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, & XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX, & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Student loan

Having problems decreasing my monthly payments what human can pay {$800.00} once a month, also Dealing with my lender trouble with how payments are handled need information about my balance and terms, they call everyday sometimes more than once
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the person who had a lease an apartment in XXXX, Ca in XX/XX/2013 for his business. Im not the person who in charge with the payment but I was only the employee that I came over off and on Then I sign the contract because they told me you are over XXXX yrs. Also I didnt know until Couple months ago when I received the news from XXXX and XXXX Please remove my name from the credit history ASAP.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This account is completely false and unverifiable, and someone misused my personal information and social security number. 

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 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my explicit written permission.

15 U.S.C. 1681C ( A ) ( 6 ) : Any other adverse item of information 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 any reasonable cause that the information is inaccurate.
Product: Debt collection

XXXX was from XXXX now its XXXX trying to renew judgement original balance was XXXX now balance is XXXX. Continued to charge interest after loan matured.