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

On XX/XX/XXXX I went to get financed for a vehicle I ended going to XXXXXXXX XXXX  auto dealer here in XXXX TN I was told my credit wasn't good enough so I needed a higher down payment I was looking at XXXX XXXX is XXXX model they told me I needed around XXXX to pay for the car that old I couldn't believe it but I was desperate and I didn't have the transportation at the time to look any where else so I agreed they wanted an extra XXXX for taxes which was to much I felt I was paying but I was in a situation and needed transportation to get back and forth to work to pay bills I was told my car would be a total of {$12000.00} but after I filled out and agreed to everything my total went up to around XXXX when I looked at the paper work I asked why they say it was the finance company which is credit acceptance they over charged me for an old vehicle I struggled to keep up with payment when switching between jobs the company would not help me my car was repossessed a couple of times which I had to high fees to release my vehicle causing me to go further into debt I'm not rich I'm just an everyday working American trying to make it and I feel this company and dealership played me for my cash now I fo not have the vehicle and I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I was having issues making my auto loan payment using my XXXX XXXX XXXX mobile application, so I called in to XXXX customer service department to make my payment. I was NOT charged a late fee and was also told by the representative that this would not be reported negatively to the credit bureaus. If I had any issues to call back so they can correct THEIR error. Well then I was reported for a late payement on my auto loan which caused my credit score to drop over 70 points, for something that was not my issue. I talked to a supervisor at the credit union and he recommended that I dispute the error with the credit bureaus. So I filed a dispute with XXXX and Equifax. Well after 30 days XXXX has removed the late payment and negative mark from my credit report. But Equifax is showing that the investigation is closed and they are not making any changes to the negative remarks. I don't understand how one bureau will recognize the banks error and correct it and the other bureau will not.. PLEASE HELP. That impact on my credit score is affecting my family 's life and future. On something that was at no fault of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have not given written, verbal instruction or permission to Capital One Auto Finance to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to XXXX, XXXX and XXXX to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You
Product: Credit card

My Best Buy account was compromised on XX/XX/XXXX, XXXX received an email stating that changes were made to my account and a purchase was made the and shipped XXXX XXXX XXXX XXXX XXXX Tx XXXX I have documentation from Best Buy proving this as a result several investigations from Best Buys the order and delivery tracking information was provided to me from the Best Buy, I will include them with this complaint. I did not have access because to my account, all login information and address were changed. I immediately closed the account. After two-years of letters and phone conversation Citibank and Best Buy refuse to resolve this issue. My XXXX XXXX went from excellent to fair, I refuse to pay for something that I never received, and Citibank and Best Buy have sent me proof of fraudulent activity with this issue, all will be included with this complaint. I would like this removed from my credit report immediately and {$220.00} refunded I paid. XXXX purchases were made and delivered the same address XXXX XX/XX/XXXX and XX/XX/year>, Best Buy removed XXXX and the other remained. I will include my driver license and address where I lived for the last XXXX  years.
Product: Debt collection

I have requested call stop on cell phone and house phone. Calls continue 20-30 times a week all hours.
Product: Payday loan, title loan, or personal loan

HIGH IN 2018 I SIGNED UPED AND UPTAINED A PAYPAL CREDIT CARD I THEN LINKED MY CREDIT CARD TO MY BANK AND XXXX AND OTHER SITES TO RECIRVE ALL MY MONEY THAT WAS COMING IN TO MY ACCOUNT SO MY JOBS WERE SENDING PAYMENTS FOR ME, I HAVE BEEN GOING THRU IDENITY THIEF SINCE XXXX OF XXXX I THEN UPGRADED MY ACCOUNT TO A PAYPAL CASH MONEY PASS ACCONT, RECIEVED MY CREDIT CARDS, WHEN I REACHED OUT TO THEM ABOUT TGE PROBLEM I WAS HAVING WITH MY ACCOUNTS BEING HACKED, THEY FAILED TO FIX THE PROBLEM. OVER THEY ALSO DID NOT PUT MY MONEY INTO MY PAYPAL ACCOUNT, R ON MY CREDIT CARDS, I JAVE TAKEN ZHE PROPER STEPS AND REPORTED THIS TO THE HIGHER AUTHORIES, ALSO THE GOVERNOR, I AM CLAIMING MY FRAUD INSURANCE AND MY LOST WALLET PREVENTION CLAIMS, THANK YOU HAVE A BLESSED DAY XXXX XXXX XXXX XXXX I WOULD LIKE TO RECIEVE COMPENSATION AND ALL MY MONEY RETURNED TO ME AND THE PEOPLE WHO ARE DOING THE IDENITY THIEF ARRESSTED CAUSE SOMEBODY IN THIS DEPARTMENT IS COMMITING FRAUD AND IDENITY THIEF, FOR I HAVE NOT AUTHORIZED NOBODY TO SEND R RECIEVE ANY OF MY MONEY NEVER ..., I HAVE EVIDENCE ITS MY ACCOUNT...
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE 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 XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2016 XXXX XXXX XXXX/XXXX reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 
15 U.S.C 1681 Section 602 A. I have the rights to privacy.

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

Debt validation was requested creditor responded and said they had no account for me but have yet to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was assured that once the new loan terms were set up XXXX of XXXX, that the information would be updated on my credit report. The balance has not been updated correctly nor has the monthly payments. The line item is still reporting as charged-off / past due, and the balance is still reporting the same amount, {$16000.00} from 10 months ago, and also as if a payment has not been made since XXXX of XXXX. I have not missed a payment as of the setting up of the new loan terms in XXXX of XXXX. I have the account set up as a direct ACH draft from my checking account. 
This is not my interpretation, but of a credit analyst with XXXX XXXX XXXX, which reviewed the documentation provided to me by the Creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the 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 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

navient is reporting incorrect information about my student loans to the credit bureau since XX/XX/2020. My credit score has dropped almost 200 points from this information. when i contacted Navient they told me theyre not reporting anything and havent since XXXX when my student loans were more than 30 days late. They then told me to contact XXXX XXXX and XXXX  directly to see what is going on and they continue to tell me they receive all their information from navient. 
the issue is every other 2 weeks my credit score drops or comes up because theyre reporting an increase or decrease in the amount of the loan. my student loans are currently covered under the covid act and the other ones are in forbearance so they shouldnt be reporting any type of change because they are current and no payment is required at this time or interest. 
they also arent showing which loans are decreasing and increasing and the original loan amount is still the same on all the loans listed on my report.. one student loan they report as decreasing in the amount of {$6300.00} then the following weeks increasing the same exact amount. ive spoken to navient 7 different times about this issue and they continue to tell me nothing is being reported. 
this information on my credit has made me unable to move or get the car ive been trying to get and no one seems to help fix it. my credit score continues to drop after ive tried so hard to rebuild it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not worked since XX/XX/2020 due to XXXX XXXX XXXX and an XXXX XXXX at the XXXX. I have not been working i have mailed a letter to the creditors stating this and i have been marked negatively on my credit report 101 times this is bit only is a heartless but scandalous move by creditors. My husband has tested positive XXXX XXXX we have no income coming in until he returns to the school board which is dangerous on top of it my credit score went from the XXXX to XXXX and they have last reported on XX/XX/2020 this is a mess.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an issue I have encountered with XXXX, XXXX and Transunion. Specifically, I have not received a proper method of verification regarding several disputed items on my credit report which include XXXX, XXXX XXXX, XXXX and XXXX that are on my Transunion credit report. I have also asked for my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) on this Santander Account that was put on my credit report, I also asked XXXX, XXXX and Transunion credit bureau to provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency on XXXX XXXX XXXX  and have not gotten a response. Despite my formal request Im not getting any results. On XXXX XXXX XXXX I got an email from XXXX  stating, We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. Which to me doesn't make sense because I sent a dispute letter that was accepted with the same address and telephone number. I believe they are trying to stall. On XXXX XXXX XXXX I got another email from Transunion stating, It's been five days since we received your dispute and were still waiting for a response from your creditor ( s ). Well continue to keep you updated on this status. I didn't request a dispute. I requested a Method Of Verification for these claims on my credit report. I also haven't gotten a response from XXXX about my consumer disclosure request for this alleged debt by the creditor XXXX. Transunion has failed to provide the requested details within the legally required timeframe. 
This lack of responses undermines my ability to ensure the accuracy of my credit report and violates my rights under the FCRA. I am seeking your assistance to investigate this matter and hold the credit bureau ( XXXX ) accountable for their non-compliance. Please let me know if you require additional details or documentation to proceed with this complaint. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

After carefully checking credit report I found out a few inquiries which were not authorized. 
XXXX XXXX opened XX/XX/year> XXXX XXXX XX/XX/year> I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. 
I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary. 
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Student loan

Please help, as this is 6 of the 10 years of payments towards PSLF. 

I consolidated my federal student loans in summer of XXXX and was originally with XXXX XXXX using Income base repayment. My loan payments then switched to XXXX with IBR and now my loans are with FedLoan Servicing with IBR as of XXXX. I am trying to get a correct count on the payments that are eligible towards the Public Service Loan Forgiveness. 

I have submitted paperwork for the time I was employed from XX/XX/XXXX-XX/XX/XXXX, all of which are eligible for PSLF. However, FedLoans is not  counting any of the prior payments under XXXX or XXXX XXXX. I need help in having FedLoans acknowledge my prior payments as PSLF eligible. 

I have records of my payments with XXXX. However, I did not print out hardcopies or save files of my payments from XXXX and now I can no longer access their website. 

Thank you in advance.
Product: Payday loan, title loan, or personal loan

Applied online for an installment loan and went to Cash Store in XXXX, TX with reference number provided. Provided my paperwork and gave my social security number. That claimed another customer has that number in their system and needed to see my social card, I did not have it with me. I came back the next business day and provided my social security card. The lady behind the counter took a copy of my card, DL, took my documents and stated she would contact me once she hears from corporate which could take until Monday for an approval. This was on a Friday. I never received a call back and was never told anything about the investigation of someone else having my social in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Debt collection

I am unaware of this debt. I didn't have an opportunity to access or dispute this information, if in fact you believe you gave me proper written notification then please send me a certified mail return receipt with my signature and name on it. If you can not produce these documentations, I am requesting immediate deletion from my credit file. Furthermore you are in violation of 12 CFR 100.34 ( A ) ( 1iB )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a disclosure from XXXX XXXX And there are several email addresses using my information that doesn't belong to me nor have I heard or done any dealing with the companies also my criminal record is showing double the report plus showing the old cases as if active when the disposition states to be closed and over however by showing them agencies assume that these findings are current and active, back in 2020 I worked for XXXX XXXX XXXX XXXX in XXXX az XXXX XXXX XXXX And their system was hacked and information was compromised I'm currently trying to get my real estate license and these inaccuracies can and will stop me from pursuing my career which will cause me to be stuck iXXXX XXXX XXXX XXXX XXXX XXXX XXXX  from being forced into hardships joblessness homelessness and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I AMDE A DEPSOSIT AT CHSE BANK ON THE XXXX ASK THEM SPECIFICALY HOWLONG A HOLD WOULD BE BEFOR I DEPOSITED THE CHECK THEY SAID FUNDS WOULD BE AVAILABLE 0N THE XXXX EVEN SAY IT ON THE RECIEPT THEN ON THE XXXX THEY PUT ANOTHER 7 DAY HOLD ON IT ACORDING TO EVERYTHING I CAN FIND ON FEDERAL REGULATIONS THEY SHOULD NOT BE ABLE TO HOLD IT MOR THAN XXXX BUSINESS DAYSSINCE IT WAS DEPOSITED AT THE BEGINING OF THE BUSINESS ADY THATS 8 DAYS THIS MADE ME UNABLE TO REFUND THE MONEY FROM THE SALE AND WILL PROBABLY CAUSE OTHER ISUSES WITH TAXES AND SO FORTH SO I TURNED IN AN ORDER FROM A JUDGE TO GET INFO ON AN ACCOUNT THAT WAS PART OF AN ESTATE AND THEY IGNORED IT AND I HAD TO GO BACK TO THE JUDGE AND GET ANOTHER ORDER BASICALY THREATINING THEM WITH CONTEMPT AND FAILER TO COMPLY AND EVEN THEN IT TOOK THEM MORE THAN 10 DAYS TO COMPLYBUT I CANT SAY ANY MORE ABOUT THAT AS IT IS PENDING LITIGATION BEWARE OF CHASE BANK THEY ARE NOT TRUST WORTHY IN MY OPINION
Product: Money transfer, virtual currency, or money service

On Friday, XXXX 2024 around XXXX, we discussed with the sender ( in this case my client ) to transfer the payment via XXXX account to XXXX number, I am from XXXX. The amount is XXXX Euros, equivalent to XXXX kes for payment of work I deliver. The transfer was on review for a hour when the response to my client was expected, at XXXX XXXX, later on client was ask to provide more information on the same which she later did. I made contact to company 4 times on XXXX XXXX which bear no positive response as I was told to make sure the client did. It is until evening that i realise the client have made the contact yet the company is either unwilling to specified the length of processing the documents to complete transfer. Early today when I raise the issue that if they are not willing to specified the process it would take, i would tell the sender to cancel. 
Now My worry since this XXXX Euros, is more important to me is that, the company accept cancelation only to work and search the process only to realise most people complaint about the cancelation as it is beaurocratic. Since the amount XXXX is too small for big company like this doesnt matter, I am worried about how the company have dealt with me and as of now I am sure it might take a longer time to resolve this case. This can be XXXX  as I am coming from XXXX XXXX XXXX where fight with the company can be hard for me to win.