23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had refinance my car lend buzz ( https : //lendbuzz.com/ ) back in XXXX so far was good but they haven't report my payment to XXXX, XXXX and XXXX XXXX I tried to contact them on XX/XX/XXXX regaled this problem, they said they had a problem due my name, they could fix it and was gon na take XXXX week, a whole month so far, there no fix
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   turned my cable off next day. I am disputing ( Re- investigation ). The balance is inaccurate. See attached .and I turned in equipment as well. Please update credit file. all  XXXX . inaccurate infornatuon. please adjust or remove.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX 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: Money transfer, virtual currency, or money service

I borrowed a total amount of {$1700.00} from Coinbase.com. I paid back {$1600.00}, so I only owe {$72.00}, but my loan balance shows that I owe {$950.00}. I contacted their customer service but they said they don't see anything wrong. I attached my loan transactions and Coinbase response.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate employment and address information appearing on my credit report, which does not belong to me and must be corrected immediately. My correct employer is XXXX XXXX XXXX, and my correct address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Under the Fair Credit Reporting Act 15 USC 1681c, consumer reporting agencies are required to maintain accurate and verifiable information in consumer reports. However, my report contains incorrect employer details, which can cause confusion, misrepresentation, and potential harm to my credit profile. I have previously requested that these inaccuracies be removed, yet they remain uncorrected. I am requesting that my credit report be promptly updated to reflect only my correct and verifiable employment information as XXXX XXXX XXXX. Additionally, I urge a thorough review of my report to ensure no further inaccuracies exist. Failure to correct and maintain accurate records is a violation of federal law, and I expect immediate compliance.
Product: Vehicle loan or lease

Account number XXXX I bought a ( XXXX XXXX XXXX XXXX ) from a dealership ( XXXX XXXX ) financed a vehicle with Consumer portfolio service in XX/XX/XXXX. I paid {$6000.00} as a down payment. 

The amount of vehicle financed was {$34000.00}. 

My monthly payment was {$760.00} In XXXX, XXXX ( after 20 months of payments ), I realized that my payoff balance is {$31000.00}, So I called for clarity. 

I believe I have a consumer right to know the detail and what has been going on with my payment. 

I called and was told that my financing was an interest load and it charges {$14.00} daily and most of my payment ( about 75 % ) is going towards the interest and not the principle. I thought That was ridiculous because no one ever explain this ridiculous terms to me and I would not have done it. 

I was told I had paid XXXX toward interest and {$3500.00} towards principle. 

I don't think this is fair at all. As a consumer, XXXX has strategically put me into a more severe and dangerous situation because I may never be able to pay off this car. Currently the value of the car according to XXXX XXXX is {$11000.00} at XXXX miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX  XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to remove a XXXX XXXX account from my credit report as it has been move than 7 years since the last payment. Through months of trying only XXXX has removed the account. Until date I have had no success with XXXX or Experian to remove this account. I have even sent mailed letter well over 60 days ago and have never received any response back. Any help to remove this account from my credit report will be greatly appreciated. Thank you
Product: Credit card or prepaid card

On XX/XX/2021 I called Banner bank to try to get a loan for my first house. I then got pre approved over the phone and they asked me series of questions to finalize the approval to see if I met the requirements. Call got disconnected and didn't think much of it since I thought I got approved, a few days go by they have not notified me of approval or rejection and comes to find out i now have a inquiry on my report from them which is not affecting my chances of getting a mortgage and this company refuses to help me in this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Upon lease expiration, I received funds deposited to purchase the vehicle in full. The bank froze my bank account and put my vehicle out for repossession despite being current on payments. I was approved for financing to purchase the vehicle through 2 different entities and the bank refused to provide payoff details to these entities in order to finalize the purchase. These actions came following my report of suspected fraud to the Securities Exchange Commission and other agencies. I believe the bank 's actions to be retaliatory in nature, given the inclusion of details surrounding a pump and dump scheme with my previous employer ( now XXXX XXXX ), which is also one of the bank 's largest clients.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute DepartmentEquifax XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Equifax XXXX Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 

Dispute the validity of the debt within 30 days of receiving the notice. 

Request verification of the debt before any further collection efforts are made. 

If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement informing the consumer of their right to dispute the debt within 30 days. 

A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Student loan

I made a terrible mistake and borrowed private student loans 3 different times in XX/XX/2006. I believe I borrowed XXXX now XXXX XXXX XXXX  owns the loans and they have me owing XXXX. The rate was a balloon rate. I tried paying them what I could but the balance kept going up each month. Now they sued me and placed garnishment against me. They are impossible to deal with. I dont feel I owe them this much money and they have not provided a detail print out of y it is this much.
Product: Debt collection

I am writing this complaint letter for XXXX XXXX to furnish the information as required by consumer law. XXXX XXXX and American Adjustment Bureau have FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service.American Adjustment Bureau XXXX filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted. XXXX XXXX and American Adjustment Bureau have failed to provide any proof that this debt is valid as demanded by federal and state law.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and 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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from : XXXX XXXX XXXX Opened on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft 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: Checking or savings account

I had 2 accounts with wells fargo for years and over the years they drew down my account for fees and didn't pay any interest despite telling me when I created these accounts they would be interest bearing.
Product: Debt collection

i did recevi not on my house i owe selip & styliano XXXX collection agency monney i did spoke withe this pople to provide me prove of the account they never did send me prove, they claim to be lawers some time they claim tobe collection agency, thee account they r saying i owe monney is abou 10 years old so i toll them please send me proves, first name they use was XXXX XXXX second name they use XXXX XXXX nothing matches they thret me the bother me for thee account i never owe or have any id was opend 10 years a go, please XXXX help me to resolve this problem any prove they have to send to you please send those to my house THIS COMPANY SELIP & STYLIANO THEY SAY WE R COLLECTION AGENCY SOME TIME LAWERS THEY USE DIFERENT NAME LIKE Cohen & Slamowitz THIS IS SCAME FROM THEM XXXX COMPLAINS I READ WHAT THEY TRY TO DO TO PEOPLE WHO THEY R WHY THEY USE DIFFERENT NAMES
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an inquiry about mortgage refinance online through XXXX XXXX and was contacted by XXXX XXXX from Allied Mortgage Group. After many emails from him I asked what information did he needed to move forward. He replied with some questions which I answered to the best of my ability. However he didn't asked me for my SSN and never indicated he would do a credit inquiry on my credit report. I was under the impression that with the few questions I've answered, he would be able to give me a pretty good idea of what to expect in which he did but, after he realized I was not a veteran he apologized for the confusion and said that based on my income he would not be able to assist. I questioned if perhaps a HELOC was a possibility but never got an answer. Instead I got an alert about the credit report. He never disclosed any guidelines about credit inquiry nor did he obtained my consent or permission for it. With this complaint I intend to have the credit inquiry withdrawn along with any personal information I may have provided to XXXX XXXX and Allied Mortgage Group and it's affiliated Companies. I've only communicated with XXXX XXXX over emails which I can forward them if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
Product: Student loan

This is the THIRD complaint I have had to make regarding getting my automated payments to process correctly. I CONTINUE to be put on auto deferment despite attempting SEVEN ( 7 ) times to permanently opt out since XXXX of XXXX. 

In XXXX my XXXX application was finally processed, but it was wrong. I then spent XXXX ( XXXX ) hours on the phone in total talking to two ( 2 ) representatives. I was first told I didn't qualify, and that NELNET was a new company, despite it being decades old. The second time I was able to get it reprocessed. At that point, I was notified my repayments would start in XXXX, despite me asking for them to restart immediately, as I had tried for over 7 months prior. 

Today, XX/XX/XXXX, I went to recheck and confirm my payments would start this month to see that I was AUTOMATICALLY placed on deferment AGAIN!!! 

I have been told every single month from XXXX, and again in XXXX, that I would be opted out of auto deferment and my automatic repayments would resume. Today, XX/XX/XXXX I had to AGAIN request I be PERMANENTLY opted out of automatic deferment. 

I have since missed 4 auto payments which puts me behind 4 months for Public Service Loan Forgiveness that should have hit 120 payments in XXXX of XXXX...
Product: Credit card or prepaid card

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Vehicle loan or lease

I am writing to formally file a complaint against Mechanics Bank Auto Finance regarding their unfair and misleading credit reporting practices. Despite fully satisfying my principles balance, the company continues to report me as delinquent to the credit bureaus solely for unpaid late fees, which I believe to be unjust and excessive.

I financed my vehicle through Mechanics Bank Auto and successfully paid off my principal balance in full by the maturity date. However, the company has continued to report me as late due to outstanding late fees rather than recognizing that my principal obligation has been met. Despite my efforts to resolve this matter amicably, Mechanics Bank has refused to work with me in waiving or settling these fees and continues to damage my credit history by reporting me delinquent even after I continue to make monthly payments toward the fees. 
This practice is misleading, as it does not accurately reflect my fulfillment of my loan obligation. I believe this to be unfair business practice that could negatively affect my consumers who have acted in good faith to pay off their loans.
Product: Mortgage

My mortgage was put into forbearance. After the forbearance ended I have been trying to re-fi or do a loan modification. I have been paying my mortgage since the end of my forbearance but SPS has been reporting that I am in default because my loan was in forbearance. Because of this I can't get a loan from anyone and SPS has denied me any assistance. They are requesting that I come up with the entire amount of the forbearance to bring my loan up to date. My loan is up to date but they have been applying my payments to the forbearance amount and therefore are saying I am in default. They refuse to answer any of my questions and won't give me any assistance. They are terrible
Product: Credit card

XX/XX/XXXX after trying numerous attempts more than 7 times to used Wells Fargo XXXX XXXX  Card advertised XXXX XXXX feature using Rent payment history, I finally decided to call to find out why I kept getting denied after I sent everything requested by them. I never spoke to a human being live instead I was texting a rep named XXXX from XXXX XXXX  support at XXXX central time. The Rep acknowledged that I have been attempting to utilize the XXXX XXXX since XX/XX/XXXX but refuse to give me a Valid reason for the repeated denials. His excuse was I quote " Due to quality and security purposes, we are unable to disclose additional details about why the decision of your application was denied. 

Wells Fargo accepts every rent payment and direct deposit to all my accounts with them and have never notified me of any of these secret security issues they are claiming. 

Wells Fargo are Falsely advertising a service. They pick and choose which customers they Deny without ANY Explanation of WHY they are excluded from this benefit. 

I want them investigated by the CFPB because once again they are up to dirty and unfair banking practices again which they have a long history of unfair practices and lawsuits against them. Please make it a requirement for them to explain clearly reason for denial. As for my case they do Not have one other than pure discrimination. 
I have screen recordings of the conversation if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX DOB XX/XX/1982, SS XXXX I was looking at my report and I noticed that 3 of my accounts are not reporting to my credit file at all. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are not updating or showing on my credit report, They are not showing on my Trans Union, XXXX or XXXX.
Product: Debt collection

I checked my credit and saw that a collection debt was on it. Saying I opened in XX/XX/2020 but I did not open anything
Product: Vehicle loan or lease

I was told by the company, Stellantis Financial Companies, after I had them finance the car after 8 months that they had a 10 day grace period and that would give me additional time after due date. what they did not tell me is that it would still be late for those 10 days and that they would charge a large enterest fee for those 10 days. If they had told me up front about this I would not have done buisness with them. I would not recomend them and when I get a chance I will get refinancing. I am filing this because I do not want other customers to go through this. Thank You.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account status : Closed, Account Name : XXXX XXXX XXXX, Account status : Closed, Account Number XXXX 15 U.S.C. 1681section 602 A. States that I have 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX in accordance with the Fair Credit Reporting act 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