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

XXXX XXXX is Responsible for Lying about false information about XXXX We put down on the car the car was XXXX plus tax the warrant came with the car me and my daughter brought Gap insured car and warrant was included with the car. they didn't have any lic to sell the car the company credit Acceptance gave us the loan. for the car through a company the didn't have License to sell the car Address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Experian several times for them to remove all these names and addresses that are inaccurate and they are not removing anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am requesting capital on be taken off my credit report or not be to report. They have played games with my credit report cause direct, indirect, monetary, emotional, personal, and professional damage. This started XX/XX/year> when I allowed for a car and capital on and XXXX decided to hard close all my credit for actively seeking new credit. Which they changed when I stated to fight to breach of customer agreement which covers about anything besides XXXX XXXX From here Ive asked to settle many times they will not entertain it, Ive paid every payment on time. Once I settled XXXX they started to report that my account were open. My accounts closed this month, my account were never closed, my payment was late, my account date closure changed at least 5 times by XXXX cards is XXXX times. They would constantly misreport the balance in my cards, always against me until I would shake the tree. They purposely change the date on the account to keep my score always pushing down, they mis report the balances to again keep pushing me down to entrap me in the XXXX XXXX of debt. Not a single person at the company will answer questions : they will bold face lie and say they didnt do things I have screen shots of. They intentionally present monthly to the credit bureaus a more negative picture of me than is correct in a coordinated more to XXXX XXXX I. Every aspect of me life. 

The worst part of all is when they made up a fake account out a balance that was fake and completely destroyed me. Ive only ever had XXXX capital one cards. Only XXXX capital on accounts. They reported XXXX accounts all with large balances all with high utilization all with a missed payment. I didnt get a loan to save my business because of that and i dont understand how they could time it perfectly. Please see attached photo
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am formally requesting the removal of the fraudulent account and inquiry listed below from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are unauthorized accounts that are reporting o my credit report. These accounts were opened without my knowledge or consent.
Product: Mortgage

I had a Mortgage with XXXX  XXXX XXXX that was sold by XXXX XXXX XXXX to have M & T BANK several years back. Once M & T Bank took over the Mortgage loan ; Hurricane Irene arrived, and wreaked a lot of damage to my home, located in XXXX Florida. After fighting for over two years with XXXX XXXX XXXX XXXX XXXX to get damages covered ( with the help of a professional adjuster and an attorney ), I finally got a settlement to replace my damaged roof ( not enough money to cover the Hurricane Irene damages, but close enough to begin roof  replacement with the help from a personal loan ). The XXXX XXXX XXXX XXXX XXXX settlement check was made-out to my wife, myself, XXXX XXXX ( HELOC mortgage lean holder ), and M & T Bank the main Mortgage holder. XXXX XXXX did not hold the check, but issued the required signature for the release of the XXXX XXXX XXXX XXXX XXXX funds. The signed check was sent to M & T Bank Mortgage in XX/XX/2019. 

In early XX/XX/XXXX, I was advised by several M & T Bank Mortgage personnel to submit a list of over twelve documents to M & T Bank. I ended-up filing over twenty-pages via Fax, and via M & T Bank web page " XXXX XXXX XXXX '', and through Certified mail ( Claim Tracking # XXXX ). I have had to file the twenty-pages via Fax, and via M & T Bank web page " XXXX XXXX XXXX '', over-and-over again to insure that they have received required documents. 
M & T Bank still will not release the funds to replace my roof, even though my roof keeps leaking, and further damages keep surmounting. 
Many dozen phone calls have been placed and documented to try to get M & T Bank to comply with the releasing of the funds to begin roof replacement work, but to no avail. Almost every instance I call M & T Bank, I am advised that the case is still being looked at. It is the only answer that I normally get. 
Besides filing a lawsuit against M & T Bank, I do not know what other options I may have. Please Help.
Product: Mortgage

I contacted my mortgage company SLS around mid XX/XX/XXXX and spoke with a representative about wanting to apply for a modification to my mortgage payment due to my grandmothers recent passing ( XX/XX/XXXX ) and unfortunately my income not being enough to cover my mortgage payment. I received a trial period plan agreement from my mortgage company SLS dated XX/XX/XXXX stating they would set me up pre modification in the amount {$1200.00}. Trial Payments -3 and post modification {$960.00} starting XXXX. The letter also indicated that my application was denied because the financial information provided doe not demonstrate the ability to repay- - The application has been denied because we were not able to verify a qualifying hardship I had sent in all the required documents/proof of my grandmothers death certificate as requested. I feel I am being discriminated against as a consumer please look into this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act.

1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX XXXX XXXX was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a navient student loan open for 18 years XXXX never reported any payments 5. XXXX is showing all of my open XXXX student loans as closed with a balance.
Product: Credit reporting or other personal consumer reports

I leased a car and it was in a accident and totaled out it took along time for it to be totaled out and their saying that i still owe them after the car was paid off by the insurance company. The account says closed but the date says XXXX  i wasnt even born then. Now they left the status open and keep charging late fees and late payments now i have 24 late payments on my credit report. Its been 2yrs. So it looks like i have a open car loan out there
Product: Credit reporting

I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.
Product: Payday loan, title loan, or personal loan

I started a personal loan with OneMain Financial early XXXX. I was told to use their app and so I did. Their app doesnt work. 

Long story short, I changed the payment account on this app from one checking account to another to be auto-debited for paying the installments. This payment account update never happened on OneMains side, even though on the app it said the payment account was successfully updated. Therefore, I went a handful of months not knowing I had missed/late installment payments. This has negatively affected my credit score unfairly as I was unaware that OneMain wasnt getting paid. I did what I was supposed to do! 

I was then told over the phone that they are aware their app doesnt work and theyre sorry about the mix up Sorry doesnt fix my credit score. They told me I had to update my payment account over the phone. This was the only way to do so why do they allow you to update your payment account on the app and on their website then? This is misleading and VERY harmful.

When I tried to update my payment account with them over the phone, the person on a recorded line sent me 2 verification emails she said I had to sign two documents to successfully update my account with them. I only received one email. I never received the other that would finalize this change. You can hear my frustration on the recording. I have several negative marks on my credit score now from this company. I have a 30 day, 60 day derogatory remark on my credit score from OneMain. This is so frustrating! I cant find an apartment now due to my credit! I filed an XXXX Customer complaint with XXXX XXXX at OneMain XXXX, MN. She was supposed to give me a call for the confirmation number if this complaint but never did. I am beyond upset and confused. I changed from acct ending in XXXX to XXXX preemptively in XXXX XXXX  XXXX as I had closed my previous account. I found out around XXXX XXXX that the payments werent being processed even though the app told me payments went through fine! I looked into getting a deferment to buy time to get this paid My emails from one main say payments went through fine!

I did not receive the email necessary for me to update my payment account as directed over the phone the first time. All these calls should be recorded for your review. Im beyond XXXX  over this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In one of my attached photos youll see that my app says YOURE PAID AHEAD and then shows A RETURNED PAYMENT FEE OF {$30.00} as of XX/XX/XXXX. 

This is still a problem today! How do I know the status of my account with this confusion????!!!!
Product: Credit reporting

I filled out a credit app for Credit Karma and it said my information is wrong and that SSN is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for an account with an unpaid balance of {$26000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Debt collection

I have received two letters in the mail from u.s. Department of the Treasury Bureau of the Fiscal Service XXXX XXXX XXXX XXXXXXXX Al XXXX Stateing that i owe medicail bills from the Va and that they are going to take 15 % of my social security I called conserve XXXX and gave them my social security number and bank account number to set up a payment plan then i received a second letter and called them and was told that i was misinformed, that i could not do a payment plan that i had to pay it all in full. I told my caretaker about it and she said that it sounds like a scam, what do i do now that these people have my personal info? Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I believe unauthorized accounts and inaccurate information have been reported on my credit file. Despite my efforts to correct these issues with the credit bureaus and creditors, the inaccuracies remain unresolved. I am providing supporting documentation to assist in resolving this matter. 

Specifically : XXXX XXXX XXXX  : This account has been fully paid off, and I have the title and a payoff letter to confirm this. However, it continues to show a balance of {$32000.00} with a " 60-89 days late '' payment status. I am requesting this account be updated to reflect its paid-off status or removed entirely. 

XXXX XXXX : This account has also been fully paid off, and I have the title and a payoff letter to confirm this. It incorrectly shows a balance of {$80000.00} with a " charge-off '' status. Please update this account to reflect its paid-off status or remove it entirely. 

All Credit Card Accounts : Multiple credit cards listed on my report are inaccurate or unauthorized. I request that all of these accounts be investigated and removed pursuant to 15 U.S.C. 1681c-2 ( a ). 

XXXXXXXX XXXX XXXX : This mortgage account inaccurately reflects late payments as " 120+ days late. '' I have made efforts to remain compliant with this loan, and I request these late payments be removed or corrected. 
Bankruptcy on XXXX Report : The reported bankruptcy is inaccurate and should be deleted immediately. 

I am requesting the CFPB 's assistance in ensuring that these inaccuracies are corrected and that my rights under 15 U.S.C. 1681c-2 ( a ) are upheld. Supporting documents, including payoff letters, vehicle titles, and dispute correspondence, will be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

They failed to notified me on this information. This supposedly happened in XX/XX/XXXX and the Iq Data says it is XX/XX/XXXX and there was absolutely no notification of this depth. 
Also Iq Data is charging interest every month, In. Previous cmplete the state they are not a collection agency that is why they can charge these fees, this is a lie in violation. They are a collection agency and charging illegal fees to consumers. Where in the contract they claim to have say they can collect interested. They have failed to show proof of this, and provided this agency false information saying they are not a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account Kohls, Capital One, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX
Product: Credit reporting

Experian fails to report correctly the XXXX account. Experian reports incorrectly that this account is considered negative. EXPERIAN reports incorrectly late payments. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting or other personal consumer reports

I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the XXXX major credit bureaus in regards to the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report. With the amount of hard inquiries I have on my XXXX and Equifax credit report. Its quite evident and clear all of the hard inquiries are unauthorized and fraudulent hard inquiries. The following hard inquiries currently listed and showing on my XXXX and Equifax credit report are fraudulent, unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Money theft that happened now does demonstrate that it was planed and initiated by at first restricting my access to my money since XX/XX/XXXX and now did happen factually. The email from Goldman Sachs arrived today 's morning with confirmation of my account closure and nothing about my money ( attached ), while I never regain access to my money back. Since XXXX, I called Marcus to find out why I can not access my account and what happened to my transfers from XXXX after I have seen them pending? Marcus representatives all like one were claiming that they are unable to remove the Marcus restrictions off and all like one promised that supervisor is not available at that moment and will call me back. I never got a call from any supervisor. Bank claims for false restrictions continued to hold my money to Marcus, while I wanted to move my money to a different bank and now finalized by Marcus Goldman Sachs by total theft. Now it is clear that criminal attempts to steal the money was a goal of Marcus Goldman Sachs. Marcus Goldman Sachs account was procedurally connected by direct deposit with XXXX account that is checking account with XXXX XXXX. That account was successfully confirmed between Goldman Sachs and XXXX checking with XXXX XXXX. ( Two attachments with two deposits from Goldman Sachs are included. ) Goldman Sachs are boldly lied that it was not confirmed while it was confirmed on XX/XX/XXXX. Numerous checks were deposited to Marcus Goldman Sachs through the mail as they claimed that they do not accept electronic deposits, but checks by mail only. Just right now I understand that I became a victim under Title 42 U.S. Section XXXX Civil Action for Deprivation of Rights and additional crime for egregious money theft.
Product: Credit reporting or other personal consumer reports

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete these items ASAP.
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 has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
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. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : N/A Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.