23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

For the past 5 months I have not been able to pay this loan through the banks online portal. I have to either call every month or go to a branch. When calling I am placed on hold for 15-20 minutes and I have to pay a fee to pay the loan. If I got into a branch I have to drive 20 or so minutes just to get to the branch. I have called the bank around 10 times and spent 10-15 hours on the phone with them trying to address these issues. The best answer I get is " our system just won't let us do that. '' There has been no talk of a resolution and literally no help whatsoever. I was given a personal email of a employee who I should be able to contact and they will take care of this personally. However, that employee does not respond to any emails. I was specifically told I could pay this through their online portal. This loan renews every year. This is the 5th year I have had it. Every single payment before this year was made through the online system. The trouble I have to go through to make this loan is almost preventing me from being able to make the payments on time because I have to set aside about 1 hour to do it. Either 1 hour waiting on the phone and convincing them that I shouldn't have to pay the fee OR going to the branch and doing the same thing.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered inaccuracies in the reporting of a XXXXXXXX XXXX XXXX XXXXXXXX account across my credit reports. TransUnion shows this account with a history of 30- and 60-day delinquencies from XXXX, while XXXX has no detailed reporting for the same account. XXXX does not report this account at all. Despite requesting verification and clarification from the bureaus, I have not received an adequate response. 

This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reports must be accurate and complete. I request that the CFPB intervene to ensure the accurate and uniform reporting of this account across all credit bureaus. 

Additionally, I believe that this account is inaccurately reflecting delinquencies, and I request a thorough reinvestigation to ensure compliance with Metro 2 reporting standards. The inconsistent information is negatively affecting my credit score, and I have attempted to resolve this issue directly with the credit bureaus to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Like many others, as a consumer, I absolutely do not feel like I have the power to control what is reported on my credit profile. People just put items on your report, and we have to spend time, energy and money to get it taken off! I am very diligent in getting my profile corrected. The Credit Bureaus have a responsibility to report correct information and its not fair when they do not! I have been disputing one particular account, for well over a year. My first dispute letter to XXXX XXXX was sent XX/XX/18! I have NEVER signed a contract or agreed to an account or affiliation with XXXX XXXX, but they keep reporting on my credit report and failing but failed to provide a copy of any alleged contract or other instrument bearing my signature. I am appalled and disgusted with all three bureaus as well as XXXX XXXX. They have all failed to verify any debt, as required by law. I have sent multiple letters to each bureau and XXXX XXXX as well. Ive sent almost 10 letters to resolve this! The bureaus have failed because they continue to just send back responses saying the account is verified. Both XXXX XXXX and each of the bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am requesting that you demand that the description of the procedure used to determine the accuracy and completeness of the information is provided by XXXX XXXX or they delete the negative information from my report. They should NOT have another 30 days for this! I expect it within the next 7 days! Theyve had over a year! Additionally, please ask them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again, formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount to XXXX XXXX. Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete and represents a very serious error in reporting. I am maintaining a careful record of my communications, should they continue their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, and they are all liable for their willful non-compliance. The law demands them to provide such documentation or the company/bureau are required to delete. I am requesting you have them to delete this debt, immediately from all three credit reporting agencies, Experian, XXXX XXXX and XXXX, as per the law! Please find copies of my letters and company responses, but not validations or anything bearing my signature.
Product: Vehicle loan or lease

I have a loan with Santander USA for an RV. I have made some additional payments which I wanted to go toward principal reductions. Those additional payments and dates were : XX/XX/XXXX {$80.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$2000.00} My regular scheduled payment is {$1900.00} I have been sending {$2000.00} wanting the additional amount of {$22.00} to be applied to principal. I am not sure if that is being done or not. Those payments were on the following dates : XX/XX/XXXX XX/XX/XXXX I contacted Santander on XX/XX/XXXX after I received a statement and viewed my transaction history. I was told the XX/XX/XXXX & XXXX was credited to interest, because that is the way they do things. I further explained to them that the additional payments on XX/XX/XXXX & XXXX should be for principal reduction. I was told they would look into it. I have been signing into my account expecting to see a correction, but to date that has not been done.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Second Dispute Regarding Inaccurate Late Payments Dear CFPB, I am writing to follow up on a previous dispute regarding inaccurate late payment information reported on my credit file for the XXXX XXXX account ( Account # XXXX ). Despite submitting my initial dispute and your agency 's completion of an investigation, the inaccurate information remains unchanged. As such, I am requesting a detailed description of the investigation process, as required under the Fair Credit Reporting Act ( FCRA ) 15 USC 16811 ( 7 ).

Disputed Information : The following account contains inaccuracies in the reporting of late payments that are inconsistent with my payment history : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : TransUnion , XXXX, XXXX Type of Account : Real Estate Mortgage Specific Errors Identified : Late Payment Reporting : XXXX : Reports a 30-day late payment in XX/XX/year>. 
XXXX and TransUnion : Report a 30-day late payment in XX/XX/year>. 
Status Discrepancies : The account is marked as " Closed '' and " Paid, '' yet late payments are reported without any supporting evidence. 
Remarks : Conflicting and vague comments across bureaus, such as " XXXX XXXX account '' ( XXXX ) and " Closed '' ( TransUnion ), do not provide clear information on the status of this account. 
Impact : These inaccuracies directly affect my credit score and do not reflect my financial responsibility. 
I have attached my credit report with highlighted discrepancies for your review. 
Summary of the Issue : To the best of my knowledge and records, I have consistently paid this account on time, in accordance with the terms of the agreement. The reported late payment in XXXX or XX/XX/year> is incorrect and must be removed. I am also requesting clarification on why this error persists despite my initial dispute. 
Legal References : Under the FCRA : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports should not contain inaccurate information related to transactions between the consumer and the data furnisher.

15 USC 1666 ( b ) : Procedures must be in place to ensure periodic statements are mailed no later than 21 days before the payment due date.

Requested Actions : Conduct a reinvestigation of this account and provide a written description of the process used to verify the reported late payment. 
Remove all inaccuracies from my credit report and update the account status to reflect Paid As Agreed Never Late.

Provide documented proof supporting the reported late payment, including specific dates, amounts, and correspondence.

If you are unable to validate the late payment, I demand that the inaccurate information be corrected immediately. Please note, failure to rectify this matter within the legally mandated 30-day timeframe will constitute a violation of the FCRA.

Thank you for your prompt attention to this matter. I expect a resolution in line with the FCRA and a written response regarding your findings. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNT : XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I put a list of companies on my behalf thats on my credit report that I have no clue who they are
Product: Money transfer, virtual currency, or money service

Cash app account was closed with XXXX left in it and I didnt close it now my money they say is gone
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting a collection/charge-off account where I am shown as an Authorized User on XXXX XXXX   - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

The accounts listed below in the file are inaccurate fradulent activities I am not aware of the accounts being opened. As you can see there are many duplicate accounts open with different dates that needs to be removed. I would like for the public record of me to be removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and have been trying to get my life back together, and have endured financial struggles due to the theft. I am almost homeless, and have taken all opportunities to survive. I have been trying to open checking accounts, as well as get a loan, and have been turned down each time. each of the credit agencies, as well as XXXX XXXX XXXX XXXX XXXX, and XXXX have contributed to these denials. XXXX XXXX XXXX, XXXX XXXX, and XXXX have closed accounts without giving me an explanation of why.
Product: Credit reporting

I have not been able to log into Transunion or XXXX websites to submit dispute someone else 's delinquent account information on my credit report. It is the XXXX XXXX delinquent account listed on the attached report. It is not mine. I have NEVER had the XXXX XXXX XXXX account listed. I have NEVER lived at the address attached to that account.
Product: Credit card or prepaid card

I just wrote a 10 page explaining my problem and it deleted when I went to upload. Y docs. So just read my disputed it says is all
Product: Student loan

I submitted a payment by mail to Nelnet ( loan servicer ) with explicit instructions that the amount of {$7300.00} was to be applied to Group A, Loan 1, which is my highest interest rate loan. Instead, they spread payment across all the student loans that I have. The other loans have a much lower interest rate. I assume they thought I would not notice and reap the additional monies earned through the higher interest rate. Student loan servicers should not be allowed to do this and should be required to apply payments to highest interest loan unless otherwise instructed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied XXXX cards for XXXX shop but they rejected me with out any check or any control immediately and I lose my credit score This is not fare they did not check anything my current income or others.. I am complaining about XXXX Credit cards.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN
Product: Credit reporting or other personal consumer reports

Discovered identity theft last year. got letters in the mail went to the local police department ( XXXX XXXX ) in XXXX.. i still have one of the reports on my credit that is not mine i contacted the the original creditor said they verified it with a public record anyone can obtain that information
Product: Credit reporting or other personal consumer reports

A charge was made on my affirm account XXXX XXXX XXXX XXXX the charge was a fraudulent charged I tried reaching out to affirm that morning when charge we being processed and they would not cancel it. I also took steps and filed a police report as well. Im trying to get this charged remove as I havent used them in over 5 years. Says the charge was made at a place called XXXX XXXX which is a store in XXXX according to XXXX. I live in Louisiana. This is gon na impact my credit as Im not going to be paying for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from XXXX XXXX and after having the car for just over a year it broke down. The engine blew and I took it to the repair shop that they told me to have it taken to. They refused to warranty the engine because it needed specialty work completed. I told then to pick up the car from the shop. They never picked it up and as far as I know its still at the shop over 6 years later. I haven't made a payment on this account since XXXXXXXX XXXX XXXX, but they keep reporting it as if its still open and it makes my debt to income ration wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 XXXX XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage
Product: Debt collection

This rude " company " ( and I use that description lightly ) PORTFOLIO RECOVERY keeps harassing me. They are reporting on my credit report saying I had a credit card with XXXX XXXX. I 've never had an account with XXXX XXXX. Back in 2004 my purse was stolen and I 've had to watch my credit report like a hawk. They are also re-aging the account which is also AGAINSTTHE LAW. FURTHERMORE, PORTFOLIO RECOVERY CANT AND WO N'T FURNISH PROOF WITH SIGNATURES. THEREFORE, PORTFOLIO RECOVERY SHOULD CEASE AND DESIST WITH FURTHER CONTACTING ME, DELETE THIS FROM MY CREDIT REPORT AND AGREE TO NOT RESELL THE DEBT OR LEGAL ACTION AGAINST PORTFOLIO RECOVERY WILL BE SOUGHT OUT! 

THIS ISSUE NEEDS TO BE RESOLVED AND REMOVED WITHIN 15 DAYS!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

auto credit jonesboro - reporting car as repo when my car was stolen in XX/XX/XXXXwhile i was out of state. i contacted them and my insurance company XXXX. my car was found two weeks later when i was contacted it was found i let my insurance company know and left message with finance company every step- of the way what was going on. my insurance company told me they were going to move the car to a storage free place and have it looked at to determine damages. insurance company deemed it total loss. i had full coverage and gap i called left message with finance company. the next thing i got and only thing i received from the finance company was a letter stating they sold my car and that i owe the difference. the fiance company has reported car as repo when the insurance company had the car. i do not owe this and my car wasn't repo if so how did they do this unless the insurance company and finance company did something illegal also the finance company contacted gap got money from them also isn't illegal if a car was repo for a lender to action off without notify owner of when and where such transaction is to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me.

My

Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was
successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the
allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Money transfer, virtual currency, or money service

I contacted bank of america to dispute a {$2200.00} transaction on XXXX XXXX, 2020. I reiterated that I was not aware the party I was transferring money to was a scammer, and thus asked BOA to get my money back. It took BOA months to " finished '' a sloppy investigation during which BOA never once reached out to me asking for additional information or proofs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed a paid charged off creditor to add derogatory information to my credit file that was incorrect. When Experian added this incorrect derogatory information to my file my FICO score to drop 21 points. XXXX XXXXXXXX XXXX. Instead of updated my account with a XXXX   balance XXXX put the same derogatory back on my file. Once I made a dispute to remove personal consumer comments from my Experian credit file this decreased my credit Fico score.
Product: Checking or savings account

I noticed some concerning charges on my account- and reported them to the bank they then flagged my account as fraud locked my funds which is over XXXX $ and wont release them said can not give me time frame. Im about to go to the news with this as I can barley support my kids as it and XXXX $ is a lot of money
Product: Credit reporting or other personal consumer reports

I made a purchase of less than {$100.00} at XXXX XXXX. I made 3 payments to pay it off. They lost my 2nd invoice with my check but continued to charge me late fees, interest and so forth. 5 months later I get the check back at an address I no longer lived at. When i called to make payment they informed me they couldn't process the check without the slip because they had no idea which account it wentvto. My name and address was on the check the same name and address on my card. They could have looked it up but chise not to. but i paid that payment immediately. They refuse to take all of their fees off and mark my account as paid in full and closed. They have my balance at {$300.00} which was more than my purchase. I don't feel I should be responsible for their stupidity.