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

On XXXX XXXX XXXX, i did a pay off online for my auto loan. The amount was {$23000.00}. It was accepted successfully, and posted on XXXX/XXXX/XXXX. They closed my account as paid off, i received a payment confirmation statement and email. I never received the title. They called me XXXX and said that i owed on the account i made them aware of the pay off. They said it was returned as an invalid account. I spoke to someone else and they said the account has insufficient funds. I spoke to someone else and they said that because it was a pay off, i had to send certified funds via the mail, or pay in person. On XXXX i went into the corporate office for XXXX XXXX XXXXnd spoke with the manager XXXX XXXX. I paid via check. I once again received a receipt for my payment, and the account ledger showing the account settled. The amount that i paid that day was {$23000.00}. I followed us, and they emailed me the ledger showing the pay off. 
As of today XXXX my account still shows a balance. I once again tried to pay online. I received an approval confirmation. I called tele-check and they do not have any negative information in the system under my social security number. There are no returned checks in the system. They told me to continue to use this checking account for payments.
Product: Credit reporting or other personal consumer reports

I am submitting this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.
Product: Checking or savings account

I disputed a charge in on or about XX/XX/XXXX for a charge from XXXX XXXX XXXX. I cancelled the service and was charged and mailed out a package. I refused the package and it was returned to XXXX XXXX XXXX. I was refunded by Ally Bank shortly there after. On XX/XX/XXXX my account was deducted the same amount {$170.00}. Ally Bank is claiming it was a valid charge because XXXX XXXX XXXX claimed they didn't receive the package back. I spoke to XXXX & XXXX and they stated that sent a refund around XX/XX/XXXX and then Ally said they pulled it back because they didn't receive the package. After four hours of going back and forth I found out that the XXXX tracking number confirmed they did. Every time I call Ally I have to speak to someone else and tell the same story over and over. They advised they mailed a letter on XX/XX/XXXX to date I haven't received it. They advised they escalated it on XX/XX/XXXX and someone would call in 2 days. No one has called. Ally blames XXXX XXXX XXXX and vice versa. I am stuck in the middle and Ally refuses to help me other than tell me send me back & forth between Ally XXXX XXXX XXXX XXXX. I have been disconnected while sitting on hold, no one calls back. I have given Ally tracking numbers, at their request to be later told they can't look it up. Meanwhile I am still out {$170.00} and get the run around EVERY.  SINGLE TIME.
Product: Credit reporting or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my US BANK Credit Report. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed charge-off entries which I believe are inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested LexisNexis Consumer Center to reinvestigate these accounts : they haven't taken these names or address off my account. 

section 2 record 1, 3, 4, of the report 1. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IL XXXX XXXX section 3 record 1 of the report 2. phone number XXXX XXXX section 1 record 1, 2, 3,4,5 of the report 3. XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if NO PROOF HAS BEEN SHOWN? 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Vehicle loan or lease

I had purchased a car on a 72 month agreement for a XXXX car that I put XXXX down on thru a dealership. Being as I didn't have credit, I had to accept the highest intrest rate of 29 %. My payments were XXXX a month, which I paid as agreed on time for 18 months. One night I sat down and actually read thru the agreement, did the math and realized I had agreed to pay roughly XXXX for a XXXX car that I put XXXX down on, so... I made the decision to make more on my monthly pqyments by paying XXXX instead of the XXXX each month to get the principal down as quick as possible. I even made a XXXX payment one month. 18 months later, I get in a minor accident but insurance totaled my car. So they paid the balance and I received a check for XXXX. 
The loan was for XXXX. 18 months later ( XXXX ), my balance was XXXX. I then paid XXXX, XXXX, XXXX, XXXX, and XXXX before the accident at which my balance was reported as XXXX. The amount paid by the insurance to the lender XXXX. This is all sitting here in front of me on my credit report. They literally just sat on all the extra payments and did nothing ... Now I'm not sure what's more XXXX XXXX, the fact that they didn't apply the payments towards the principal or that they didnt notify me or refund my money back.They should of done something... Either way that's super sketchy business practices and I wanted to report it. If I'm misunderstanding something or if you need more information to verify the information above, please let me know. The XXXX was Santander and the dealership was XXXX  of XXXX... Both of which I will avoid in the future and would encourage others to do the same.
Product: Credit reporting or other personal consumer reports

You replied that the alleged transactions that you identified as late are verified. The following accounts are XXXX XXXX  : Account XXXX XXXX XXXX XXXX  Account # XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant to 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 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: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
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
Product: Debt or credit management

I signed up with XXXX XXXX ( GRT Financial ), and they sold me a way to have them dispute my XXXX XXXX and other credit cards to settle debts up to half the amount. 
Unfortunately, they did settle a {$35000.00} balance and settled it at {$25000.00} ; however, they added a " settlement fee '' of over {$8800.00}! This basically put the settlement back to over {$33000.00}. I'm finally able to pay off my debts after going through financial hardship ; however, GRT Financial refuses to reduce the burden they have created.
Product: Credit reporting, credit repair services, or other personal consumer reports

During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX  and XXXX  of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.
Product: Checking or savings account

They was taking over draft fees when I was low on funds. They would wait to take the money out
Product: Debt collection

Paid Victorias Secret and XXXX  XXXX Accounts in full with Community Bank, yet they are still flagging my account on my credit reports as negative. Have called repeatedly to dispute and get it updated and they are telling me they don't have the accounts anymore, yet they are still reporting as negative to my credit reports. The accounts are at XXXX so they should not be reporting it as negative. 

The accounts are Victorias Secret and XXXX XXXX.
Product: Debt collection

I have never signed contract nor any contract with National Credit Adjusters LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with National Credit Adjusters. 

On XXXX XXXX a certified letter was mailed to notify that I have never open any loans with anyone in XXXX. I requested verification of this information and nothing was sent. No response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

for 2 years collection companies have dinged my credit rating for an XXXX  bill of {$1500.00} since XX/XX/XXXX.

every time this bill is passed to a new collection company they note on my credit report that it is collection, reducing my credit rating, they never correct it.

this is NOT my bill, finally they drop the calls but never correct the credit report on XX/XX/XXXX it happened again, XXXX XXXX XXXX   did it again, put it into collection on my credit report -- - THIS HAS TO STOP
Product: Credit card

I was the victim of aggravated identity fraud per th e US  Department of Justice. I was advised to fill out paperwork on the FTC website and I did and correspondedly sent letter to the affected accounts of mine. I sent letters  to 6 of my cr editors in early   XXXX  . Since then  4  have deemed  the U  S  DOJ and the Internal Revenue Service as accurate that fraud took place regarding my name and my wife 's name. For some reason Barclays and  XXXX   XXXX   (   XXXX  is still in review ) are the only ones who have n't refunded me my money. Barclays flat out denied my claims all the while disregarding the paperwork the federal entities have provided.  XXXX   XXXX  in the  Executive Office  has n't followed through on my request that I get the reason for denial with the corresponding reason why each charge is being stuck with me. I 've reached out to several of the vendors on the list and they have inaccurate information on me whether it 's the wrong name, address, etc . Barclays c learly did n't do a full review on these charges. I 'm submitting this again so this file can be reviewed again in full. I 've Also submitted these papers to the Delaware state banking commission that also regulated Barclays on the state level. They 've received my paperwork and based off our hour long phone call, they were in agreement that  Barclay  's has n't been forthcoming among other issues. I 'm submitting this through the CFPB to get further help so the money stolen from me can rightfully be returned. Many thanks for your review
Product: Student loan

XXXX XXXX and XXXX had XXXX loans with XXXX XXXX, when they split into the Navient they screw up my payments, would send XXXX to Navient and XXXX to XXXX XXXX, per the addresses they provide me. Well all the payments I sent to Navient were getting credited to the XXXX XXXX XXXX account. I called them and they said I had to send them proof that I sent the money, and to up-load the cancelled checks. Went online to upload documents as they told me to, but there are no options to upload the docs on their website. Called again, had to explain the story XXXX or XXXX more times to different reps. They kept on passing the buck around to different reps. 
Finally a rep told me there was no place to upload docs as the other reps told me to do ... ... Straight up lies. Finally talked to a rep, who told me to send separate payments to different account numbers, XXXX to Navient and XXXX to XXXX XXXX. These companies should be shut down. Customer service is on par to XXXX. XXXX different companies under XXXX umbrella.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX, Trans Union XXXX XXXX. On XX/XX/XXXX I filed dispute letters against XXXX, who inaccurately reported me being 30 days late on my credit card account on XX/XX/XXXX. When I contacted them back in early XXXX, they wrote me back via email and assured me that the item would be removed within 60 days. This did not happen. So, I contacted them again in early XXXX & followed that up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. In addition, XXXX not only refused to remove the inaccurate information, they doubled down and now report the same inaccuracy two times now! 

Secondly, I have an additional complaint with XXXX. They are reporting me as being 30 days late on my credit card back on XX/XX/XXXX. Again, I also contacted them back in early XXXX and obtained a written letter stating that the item would be removed. And again no action has been taken. So, once again, I followed up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. 

My complaint is that based on their own policies, if after 30 days these complaints have not been verified, these inaccuracies must be removed from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION XXXX, XXXX, TRANS UNION LLC THIS IS XXXX XXXX, THIS IS NOT A THIRD PARTY REPRESETATIVE. ALL THESE STATEMENT ARE FACTUAL AND MY OWN WORDS. 

On XX/XX/2021 I sent a letter regarding accounts on my consumer report which are in violation of federal consumer protection laws and that I requested to have remove because of such reason. I've recently mailed a follow up letter on XX/XX/2021 via certified mail to address the inadequate investigations into the incorrect information you have listed on my consumer report. 

Regarding the accounts named ; US Department of Education. There are four different account with four different balances, two different opening dates, and one account number. And you claim these are accurate and valid but have yet to prove it pursuant to USC 1681g.

Along with the violation listed below that has been quoted from my letter, " Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. According to Congress the definition of a credit card is the same in 15 USC 1681 as it is in 15 USC 1602. Pursuant to 15 USC 1602 ( l ), the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. '' And lastly with the major violation " pursuant to 15 USC 1692e ( 14 ) which prohibits. " The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. On my credit file it does not state the true name of the debt collector Which is a third party contracted to the alleged debt. ". If the prior investigations were done properly and under the statue of the law we wouldn't have this issue. 

When I call and relay these concerns to your customer service staff I receive rude and unsatisfying service that tends to ruin my day. I do not appreciate the harm and damages done by your agency due to your carelessness for consumers through your improper reporting methods.
Product: Debt collection

It's EXPERIAN again, I reached out to XXXX XXXX XXXX regarding the Charge-off account and the Stature of Limitation of the XXXX Loan. XXXX XXXX XXXX send me a copy of the yhe entire payment history of the XXXX Loan which identified the amount of the loan from XXXX XXXX XX/XX/XXXX never changed. Experian on my last credit report I received in XXXX stated the amount of the monthly payment was reduce from the original monthly payment o {$400.00} to {$300.00} a month as of XX/XX/XXXX. Apparently Experian has decided to collect money for XXXX XXXX XXXX that XXXX has no authority to ask Experian to do according to the on going investigation being conducted by the California XXXX Attorney General XXXX XXXX XXXX. I asked the State Attorney General to investigate possible Fraud by Experian, since the Corporate office is located in XXXX XXXX, California. XXXX XXXX XXXX has denied asking Experian to collect money for them as a Collection Agency. XXXX has stated to me that the original loan was never re-finance for the monthly payments to be lowered from {$400.00} to {$300.00} as of XX/XX/XXXX. XXXX XXXX has stated if asked by the California State Attorney Genera Office has Experian ever been told to collect money, it will be denied by XXXX XXXX XXXX is responsible for selling the loan to a collection Agency and Experian is not a Collection Agency. I will know within the next 45 days what the outcome will be on the California State Attorney General decision. Since I have received the entire payment history from XXXX, I can proceed with legal action against Experian since their is no Collection Agency been assigned by XXXX to collect on a Closed Charge-off account Stature of Limitation has expired XXXX XXXX XXXX reported the loan as Charged-off and account closed. XXXX and XXXX has already removed he Charge-off from mu Credit File. According to XXXX XXXX XXXX has never asked Experian t to keep the account on my credit file beyond the 7 year Stature of Limitation which is against FCRA Policy.