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

It is about a XXXX car that I no longer have. On XX/XX/XXXX I purchased a used XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX XXXX. located on XXXX XXXX XXXX XXXX XXXX VA XXXX. From the time of purchase and Until no longer had the car, XXXX, I took the car to their XXXX service to get oil changes, maintenance, repair and recalls. On XX/XX/XXXX transmission stopped working on the XXXX XXXX  while I was driving near XXXX XXXX XXXX located at XXXX XXXX XXXX hey in sterling XXXX, this dealer diagnose the car, and requested over 6000 dollars to get transmission repaired. I told the dealer that I was not going to spend any more on that car since I got my Ford Service Credit car charge over XXXX dollars in XXXX, and there is no way that car could have breaking down right after, unless that transmission came faulty, and should got it repair by the recall by the dealer service center. In XXXX of XXXX, an employee of XXXX contacted me asking me to sign off the title for the car and he was going to pay for the diagnostic fee that XXXX charged. I explained the situation to him and told him he could keep the car and pay Ford Credit Motor off, he declined and said that he was only offering to pay for the car the diagnostic fee to buy the car, around XXXX dollars. Ford Motor Credit Company repossessed it on XX/XX/XXXX and send a letter stating that they got around XXXX after expenses, XXXX before expenses. Ford Credit needed me to pay them XXXX. Ford Credit mail me a letter on XX/XX/XXXX that offered me to settle the debt for XXXX dollars. I am declining for 2 main reasons find out that similar cars that were sold around the same time, same model have transmission issues and also the book value of that car is not XXXX dollars, I finished paying the Ford services credit card and I have made close to XXXX dollars on car payments and Ford still wants more money for a car that came faulty. On XX/XX/XXXX at XXXX XXXX  I have a warrant in debt hearing scheduled at XXXX general district court. The attorney for plaintiff is XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX VA XXXX. 
I am disputing charges due to transmission being faulty. Please help. 
XXXX XXXX XXXX XXXX
Product: Debt collection

CREDIT CARD WAS PAID OFF. 
THEY SHOULD PROVIDE STATEMENT TO JUSTIFY THEIR CLAIM.
Product: Mortgage

I refinanced my Mortgage that was held by XXXX on XX/XX/2021. I was told by the company that I was refinancing with, I would receive the funds from my Escrow account with Loancare within 15 days. I received a check from Loancare dated XX/XX/2021 on XX/XX/2021. The check arrived in a plain envelope, taped close, and the check was mutilated. I called Loancare, and explained how the check arrived to me. I spoke to XXXX, she said she would send a note to disbursements to have another check mailed. On XX/XX/XXXX, I called back into Loancare, and asked to speak to a supervisor. The call was then transferred to someone identifying herself as a supervisor. I explained yet again what had happened, and that I was supposed to have already received another replacement check. She said that Loancare had 30 days to send me another check. I told her that was unacceptable, and asked to speak to her supervisor. Another lady answered the call, she identified herself as XXXXTeam Lead. She apologized, and said another check would be issued to me in 48 hours. I offered to XXXX the check back to Loancare if that would help. She said it was not necessary. Today is XX/XX/XXXX, and I have still not received the proceeds from my Escrow account with Loancare. I need help. They have my money, and I do not have the benefit of it. {$3000.00}.
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance about this incorrect account appearing on my credit report. I have highlighted this issue because it has damaged my reputation, and I require your help. Your poor handling of my credit report left me struggling because your false reporting ruined my reputation. You need to remove these mistakes so I can live comfortably with my family.
Product: Debt collection

There is a collection account showing up on my credit reports from Accelerated Financial Solutions in XXXX, VA. I have no contract nor account with this company, and they have failed to provide validation of the debt they're saying I owe. I would like validation of the debt or for the account to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, the CARES Act has given forbearance to millions of homeowners. I filled out and faxed in my mortgage forbearance form in XX/XX/XXXX, listed on the myloancare.com website, after getting laid off due to the COVID-19 pandemic. At the beginning of XX/XX/XXXX, I received a notification that LoanCare marked my account as 30 days late. I called and spoke with a representative that informed me that LoanCare had not yet processed my paperwork and assured me it would be resolved. I then received paperwork via mail telling me that my 90-day forbearance period had started in XXXX  and would be valid through XXXX. However, my XXXX payment was still reported as 30 days late. 

I called LoanCares customer service multiple times until I was finally connected with a supervisor who instructed me to send in my fax cover sheet, proving that I submitted the mortgage forbearance form in XXXX and that LoanCare would correct the report to show the correct forbearance start date. This process turned into a monthly task. My XXXX payment continued to be reported as 30 days late. I would call and speak with supervisors, each of whom instructed me to send in the fax cover sheet and follow their instructions. Yet every month, the account was still reported as 30 days late. By XXXX of XXXX, I was fed up and frustrated with LoanCares terrible customer service. Finally, a manager instructed me to make the XXXX payment which initially triggered the 30-day late reporting. He assured me that making the payment would stop the late reporting going forward. Following his advice, I ended up taking a loan from a family member to make the XX/XX/XXXX payment in XX/XX/XXXX. 

My second forbearance period was 180 days, from XXXX through XX/XX/XXXX. By the time I received my second forbearance, I had already made the original XX/XX/XXXX payment. Several LoanCare customer support supervisors I spoke with confirmed that since I had made the XX/XX/XXXX payment before the start of the second forbearance period in XXXX, my account would be considered current. Yet again, I continued to receive notifications that my account was reported as 30 days late. 

I had another forbearance through the end of XX/XX/XXXX, when I finally went back to work. I went back and made all the payments missed in XXXX and am now considered to be current on my loan payments. However, this hasnt solved the issue. This inaccurate reporting has destroyed my credit score and caused undue emotional stress. Multiply credit lines have been decreased to LoanCares reporting error. I am unable to refinance my loan due to this error, which has cost me thousands of dollars.
Product: Debt collection

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please 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, you 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 you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX has reported my account to the credit bureaus XXXX, Equifax, and XXXX. I am combining the reports on these 2 companies because they addressed me in 1 letter of correspondence, claiming the 2 accounts were being addressed simultaneously. Their actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously contacted the creditor in regards to my account, once I noticed it was being reported as late. They had out-dated bank account information, which I had previously attempted to update, to no avail. When I explained this to the representative, they expressed that since the mistake was through no fault of my own, they would remove the negative information they were reporting to my account so long as I caught up on the missed payments, which I did. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX has also reported inconsistent and inaccurate information to XXXX, Equifax and XXXX regarding this account. Specifically, the payment status shows as " Paid as Agreed '' on both XXXX and Equifax, while XXXX reports " Late 150 Days ''. The date of last payment is reported as XX/XX/year> on both XXXX and XXXX, while Equifax reports a date of XX/XX/year>, and all 3 credit bureaus are reporting different remarks under " comments ''. Despite multiple disputes, all 3 credit bureaus continue to report this inaccurate information, indicating XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Lexis Nexis, on or around XX/XX/19 I received information that this company is reporting a bankruptcy record to bureaus. I contacted the company on XX/XX/19 with my concern and was responded to by XXXX on XX/XX/19 advising that there is no such record, which I found odd because they have been the ones reporting it. I also advised that I reached out to the courthouse in XXXX and they advised that they do not report nor verify public records to third parties ; and I was confused as to where it came from, he advised they would dispute the information and send me an updated report. Fast forward to XX/XX/19 I receive two packets from Lexis Nexis concerning the investigation in question over 300 pages and to my surprise all of the information well 90 % of it belongs to my XXXX sister, they have transposed so much data its ridiculous. I placed another call to lexis nexis and spoke to a young man who had no sense of customer service and not even understanding my frustration. I dispute information on my report as inaccurate and your defense is to send me a letter stating that the information has been verified, with a report of over 100 pages of inaccuracies. I have tried to remain calm and allow them to fix this error, not even knowing that my whole file with them is an error that they are reporting as if it is factual. I have the email from XXXX telling me how he searched the records and there is no public records for me, provided him with information as to how the courts do not provide that information to any third party so for them to have it or to get it from someone else is a complete falsification, I went down with my ID and wasn't able to get anything because there is no public record belonging to me, then they add an additional bankruptcy in Florida that belongs to my XXXX sister, her addresses, her professional licenses, her inquiries, I am not a registered nurse nor am I a nursing assistant never have been either. Something needs to be done about this I can only imagine the amount of people they are providing inaccurate information on. They may not care but my score is important to me as well as the information that plays a factor in said score.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX XXXX Consumer last XXXX  Social Security Number XXXXConsumer Date of Birth XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is a result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a XXXX loan account for DEPT OF EDXXXX XXXX opened XXXX XXXX, XXXX account closed XX/XX/XXXX, with a balance of {$11000.00} under account # XXXX, a XXXX loan account opened at DEPT OF XXXX / XXXX on XXXX XXXX, XXXX thats now opened with a balance of {$11000.00} under account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were nor opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity therapy and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

as i have previously notified the bureaus before, I am a victim of identity theft.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Number : XXXX XXXX : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Bal : {$480.00} 4. XXXX XXXX Account XXXX : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified letters to TransUnion XXXX regarding validation of debts received and signed for on XXXX/XXXX/XXXX @ XXXX as well as another certified letter on XXXX/XXXX/XXXX @ XXXX. Company sent statements to consumer as verified as accurate and updated. TransUnion failed to validate debt as stated in letter received by TransUnion. Consumer contacted Recorder of Deeds for Oklahoma and verified that they DO NOT report to credit reporting agencies. TransUnion failed to mark consumer report within 30 days as DISPUTED BY CONSUMER according with Federal Law FCRA 623 ( A ) ( C ).
Product: Checking or savings account

On XX/XX/XXXX, a savings account was opened with {$25000.00} deposit into a Bank with the promise that I would receive an interest rate of 1.5 % and a bonus for depositing that amount of {$200.00}. At the time of opening I did not have the code, but the person opening the account said that it was not necessary, for she could verify the code number. In subsequent calls, the bank was provided with the code. Shortly after that, my wife also opened an account, and also made a deposit of {$25000.00}, but with the understanding by the bank that this deposit would not interfere with my earlier deposit. In a few days my wife 's account was credited with the {$200.00}. My account to date has still not received the bonus, despite numerous calls, talks with supervisors, and always with the statement by them that they are researching the account. One supervisor said that the research would be done by XX/XX/XXXX. On a call on XX/XX/XXXX, the representative said that he sees the notes, the fact that the code was provided, and that the person who made that statement was unavailable. On multiple occasions, we also told the bank that if there is a problem with both names appearing on either account, they can just remove the joint name. I was told this was not the problems. The person on that date promised me a call back on Monday, No call was ever received. 
There are recording by the Bank of all the calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX allowed community college of XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Use my SSN number and then send a check I mailed to Us department of education for Fraudulent Loans. 

I have a XXXX XXXX XXXX and I didnt authorize XXXX staff to assault me when I went to talk to security in front of XXXX police officers. 

I didnt attend XXXX XXXX XXXX XXXX XXXXXXXX XXXX fraudulently has been going on for years for non credit courses being billed througXXXX XXXX XXXX  grants. 

I was unemployed and XXXXXXXX XXXX took all my unemployment benefits and applied them to loans {$30000.00} cash they deducted from my XXXX XXXX XXXX XXXX XXXX now XXXX XXXXXXXX XXXX accounts.
Product: Credit reporting or other personal consumer reports

XXXX continues To report inaccurate information, resulting in unfair practices, and misleading representations impacting my credit report. An XXXX reporting of late payments collections and hard inquiries. Misrepresentation of my account status or actions I have taken to address these issues. Lack of timely and transparent responses to my disputes as mandated under the FCRA. These practices have caused my financial and violate federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I looked into qualifying for a mortgage and my credit was pulled by Factual Data on XX/XX/2018, this was a hard inquiry On XX/XX/XXXX .. 11day later I inquired with a competitive company, XXXX who used Equifax Mort and another hard hit was made against my credit report.

My understanding is the inquiries for the same purpose, like a mortgage inquiry, that are 14 to 45 days apart should NOT be treated separately, I should not have that second hard inquiry listed on my report. 

I contacted XXXX XXXX to complain and got the run around ... twice.