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

I was in XXXX XXXX California for a vacation with my husband and decided to go to the XXXX XXXX fair. There was a pop up stand that was selling purple mattresses, we have been wanting one for a while and decided to check out the stand. The sales guy named XXXX with Mattress Firm trapped us on just looking to see what we would be approved for with credit to purchase one of these mattresses. Once he saw how much we were approved for he called another sales man named XXXX over to try and get more approval through another lender. This took forever and they kept going with the purchase although me and my husband werent completely sure we wanted to purchase through them as they were giving us sketchy vibes. After they got the sale almost finished, it wasnt even the bed we wanted and the sales guys didnt want to go back and change or cancel all the work they just decided to do themselves. This all took place on XX/XX/2022. After a couple days with no email confirmation of the sale, I really started to feel uncomfortable with the purchase they made me do and I decided to reach out to them to at least change the bed to the one we actually wanted. XXXX said to text him the changes I want and XXXX fix it. This never happened. It took over a month to even get a delivery date from some other company and they brought the wrong bed to our home and we explained to them the issue we were having. All they said was that they can say we refused the purchase and Ill have to go through mattress firm to get the correct bed. Throughout this entire process I was trying to contact mattress firm multiple times to confirm the changes of the bed we wanted and all they have is an online service that doesnt help you. There is no way to report mattress firm and I am now being charged for a bed that I never received. I tried contacting the salesman and they both have not responded to me. This company or at least the fair should be shut down for fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : Subject : Violation of Consumer Rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 I am writing to formally lodge a complaint in accordance with the Fair Credit Reporting Act ( FCRA ) regarding multiple violations of my federally protected consumer rights. The following accounts have infringed upon my rights to privacy, confidentiality, and accuracy under 15 U.S.C. 1681 : Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Outline of My Rights Violated Under the FCRA : Right to Accuracy ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure that information they report is accurate, complete, and up to date.

Right to Privacy ( 15 U.S.C. 1681b ) : Your credit report can only be accessed by parties with a permissible legal purpose.

Right to Dispute ( 15 U.S.C. 1681i ) : You have the right to dispute inaccurate or unverifiable information, and agencies must correct or remove it if it can not be verified.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary actions to ensure compliance with the FCRA. I look forward to a prompt resolution and appreciate your attention to this matter.

Please keep me informed regarding the status of this complaint. Should you require any additional information or documentation, I am prepared to provide it. 

Thank you for your time and assistance. 

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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card

For CBNA Macys Acct # XXXX Identity, thieves have completely over-run my accounts and created situation where I may have to close my doors until further notice.
Product: Debt collection

Debt is from XX/XX/XXXX and I never received anything at all from anyone about this debt. They just put it on my report XX/XX/XXXX. They also kept on telling me that the debt stays on my report for XXXX years from when they placed it which is false information. When I told them they could not do that, they told me they could and would. I do n't even know what this is for. The dates are incorrect. I only had XXXX visit to the hospital XX/XX/XXXX and bills should have been covered by insurance 100 percent and these I just became aware of now from viewing my report. They were also rude and starting commenting on my personal life which they have no right to do or know anything about.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I purchased a truck from XXXX 's XXXX, as a first time buyer I had a credit score of XXXX quoted by XXXX. During the transaction the dealer was rushing me out the door due to being past their business hours, not too mention he actually brought the wrong truck for me to take home. After speaking with our XXXX finance advisor we come to find out that the APR that they charged me was at 9.14 %, leaving me with 75 payments of {$1000.00}. XXXX couldn't understand why that was so high with such a good credit score! I tried to get XXXX 's to receive the truck back before the first payment was due, but they refused. We called Chase and XXXX 's several times to try and get the paperwork on the actual interest rate that we were charged but Chase said they didn't have the info and XXXX 's refused to disclose how much Chase had the APR set at initially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these XXXX XXXX XXXX Balance : {$530000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} will be corrected and updated.
Product: Debt collection

I ca n't believe the horrible service I am receiving with USAA. I got an auto loan XX/XX/XXXX and it was paid off XX/XX/XXXX ( to make room on our debt ratio for a new home ). Up until that point, the loan was reported as paid as agreed with no lates. 

Suddenly when I paid off the loan, the loan was reported as having a 30 day late payment. To me, it is suspicious as to why that payment was never reported late before, but when I decide to pay off the loan, now it 's late? So I investigate further. After investigation, there was a payment in XXXX that was made to them, but never applied to the loan. The bank says they never received the payment. So, I find out that XXXX XXXX issued a cashier 's check to them on XX/XX/XXXX, but the check was never cashed. After further investigation, I find out that the check was delivered to them on XX/XX/XXXX via XXXX and delivered to the front desk. Their response, they never recieved the payment, so it is not a bank error - and they left the 30 day late payment on my credit report. This XXXX late payment caused my credit scores to drop XXXX points on XXXX bureau - XXXX points on another and I 'm still waiting on the last bureau to get this negative information. 

On my credit report, I have no late payments and my other loans with USAA are always made on time. This XXXX missing payment is truly an anomoly. Instead of fixing their mistake, they continue to give me the run around. They tell me that they are researching it, but most likely it is n't a banking error. They tell me that even though they signed for it, it still is not their mistake. When I asked why, when I called to inquire about the late notices I was getting, they kept telling me that there was a small balance left over from the previous month, even though payment was made for more than the payment due amount. I was told to disregard the notices. 

My question is if I have proof a payment was mailed to them, and signed/delivered to them by XXXX, how is this anything but a banking error?
Product: Credit card

Genesis FS Card Services has changed its name to XXXX XXXX. You may notice a few changes over the next few months but youll still receive the same great services and benefits at all times. 

XXXX XXXX XXXX XXXX Good afternoon, XXXX XXXX ending in XXXX Current balance {$170.00} Payment due date Minimum payment due {$0.00} Credit limit {$700.00} Available credit {$0.00} AutoPayOff Make a payment Last statement balance {$0.00} Transactions Date Description Type Card Amount XX/XX/2023 ANNUAL FEE Sale {$170.00} PREDATORY LENDING- I CALLED AND ASKED IF THEY COULD LOWER IT. THEY SAID NO AND I HADN'T USED THE CARD YET SO I REQUESTED IT BE CLOSED AND THE {$170.00} FEE TO GO AWAY. EVEN WITH MY CREDIT SCORE I WAS ABLE TO GET A NOTHER CREDIT CARD FOR {$39.00} ANNUAL FEE!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation and reinvestigation The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, This inaccurate information falsely manipulates and violates my consumer rights.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the Following account. 
Accounts Name : XXXX XXXX Account Numbers:XXXX
Product: Checking or savings account

The bank withdrew {$10.00} a month from my checking account when I was told that there would be no service fee charged, basically it was a free account. By the time I became aware of this, the account balance reached XXXX and the bank closed the account without my knowledge. I complained but I was ignored. At the same time, the bank opened a credit account in my name when in fact I asked them not to. Both constitute fraud. Can I be part of the settlement?
Product: Mortgage

My name is XXXX XXXX XXXX. My husband and I are expecting to incurred additional expenditures in XX/XX/XXXX so we paid our mortgage bill in two equal installment one was on XXXX XXXX, 2015 in the amount of {$1400.00} and another one was on XXXX XXXX, 2015. I personally called the company on various occasions which is prior to XXXX XXXX, 2015 ( to avoid late fees ) to inform them that those two payments should be applied to our XX/XX/XXXX loan payments. They did not process the payments as I instructed them to do so now XXXX wanted me to pay them {$1400.00} more plus late fees. I do not have that much funds to pay them since I already paid them the full month. I am under XXXX right now and we are trying to pay all our bills on time. Their loan care specialist by the name of XXXX is even rude and so is their supervisor by the name of XXXX XXXX who supposed to help customers not put them in trouble. I asked for their superior who could make decisions and they refused to give their names to me. I could have sent them e-mails but I have no where to go but to file it to your website.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent XXXX, Transunion a total of five disputes now, all sent certified mail with receipts. They have failed to do a proper investigation into these accounts. They keep sending me papers saying either " UPDATED '' or " VERIFIED '', i have asked multiple times to send me proof of how they verified these wrongful accounts and they ignore me. per the FCRA they must send me proof of verification including who they talked to when how and documents that support these claims. i have now sent them a last letter telling them i will be seeking legal action if they dont fix these items or show me proof of how they are verifying these accounts, i know they cant be actually verified because these supposed accounts wont even speak to me since my ssn doesn't match any records they have on file. they are now claiming they will not re investigate without any further documentation that supports my case. How am i supposed to send them anything or proof of my case if i never had any accounts with them! i haven't missed any payments on any of my other accounts now my credit is taking a false hit! totally unacceptable.
Product: Checking or savings account

It's the Wells Fargo action that's being taken now between XXXX and XXXX to present with bank accounts checking accounts and debit cards account not been accurate very low taking money without permission.
Product: Debt collection

Toledo Finance Corp in XXXX Texas has continuously called my job on a weekly bases. 2 times per week since XX/XX/XXXX - XX/XX/XXXX. I have repeatedly asked the Loan company to please not call me job, but they continue to do so. Toledo agents are calling from different office numbers & personal cell numbers. Yes, I have loan but I'm unable to pay. The company is aware but continues to call my job.
Product: Mortgage

XXXX Mortgage is refusing to accept the valid XXXX XXXX XXXX XXXX document provided by homeowners insurance company. When contacted by Insurance company and attempted to explain the Master Insurance policy, and how it works, the XXXX Department agents at XXXX Mortgage are rude, very unprofessional, disruptive and keep referring to the policy which does not make sense and appears to contradict industry standard. When requested to be transferred to agents managers, they refuse. I am puzzled why the homeowner is caught up in-between XXXX company and XXXX Mortgage dispute.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. A fraudulent inquiry were made to my credit. I have contacted the credit bureau and sent in supporting documents to show proof but they refuse to respond and resolve this matter. They are breaking the credit law! Please have the credit bureau resolve this matter by removing this inquiry immediately! Inquiry listed below : XXXX ) XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

in XXXX I received a private XXXX XXXX loan, which was serviced by Navient. After XXXX XXXX I fell behind on all of my loans because I was unable to find a job. I 've since brought all of my loans current. However, I was unable to work with Navient at all and they charged off the account in XXXX, XXXX. They called both me and my elderly mother insistently and told her they were going to take her house away if she did n't pay. As a result she paid Navient {$5000.00} in XXXX, XXXX. Since XX/XX/XXXX Navient has reported the account as a charge off -- however every single month they renew the account on my credit report with an increase in the balance. The account is currently reported as a charge off and the balance has increased to {$16000.00}. In XXXX, XXXX I contacted Navient to see what I could do about this loan since despite very hard work to improve my creditworthiness my credit score can not improve because of their continued reporting. I left them a message and my call was returned by a collection agency. I was able to negotiate a settlement with the collection agency and paid the settlement amount in full. However, in XXXX, XXXX Navient again reported the account as a chargeoff with a balance increase of approximately {$100.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau name : XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation 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 ( XXXX XXXX  ) 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 investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately ; Account XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.
Product: Consumer Loan

Chase Auto Finance disabled my online access 2 years after my bankruptcy was discharged. My bankruptcy was discharged on XXXX/XXXX/XXXX and I have been paying my auto loan online since the inception of the loan and on XXXX/XXXX/XXXX I went to logon to my account to pay my XXXX/XXXX/XXXX payment and the site would not let me on. It gave me the message " you do not have any accounts to show ''. Finally after to speaking to about 7 people at Chase I was referred to their bankruptcy department and the representative told me because I had filed bankruptcy even though it was over 2 years ago I was not allowed to have online access and with their conversion to new account numbers they just realized I had it and had to remove it. The representative stated that it was the law that I could not have access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request again to address the inaccuracies on my Credit Report. Upon reviewing my file, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXXXXXX XXXX Late Dates : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX 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 Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous accounts that are being reported are inaccurate and incomplete. Disputes say theyve been verified and updated based on previous investigations, never told how they were investigated or what they had for documentation. Accounts have numerous times had to be updated because they were not accurate or complete but they still say theyre verified. Accounts that clearly show that they violated collection and reporting laws either remain on the account or as of today 2 of them that were removed have been reported again. I have hundreds of pictures showing past and current credit reports and the investigation alerts proving this. Along with Experians own notices saying the accounts were removed and then the notices of them being reported again. None of them have it published anywhere that theyre disputed, and this has been going on for almost 8 years now. This has been causing all kinds of problems between housing, financing a vehicle for work, financing and starting of my business, financing cellphones from companies that have fraudulent accounts that I have reported and no matter what I do my credit report keeps getting worse instead of better because of this companies extreme lack of duties to investigate the disputes and failures to verify accounts that are being reported.