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

I am the co-signor of the vehicle that was leased by my son. My son XXXX XXXX XXXX XXXX XXXX  that when he XXXX XXXX XXXX XXXX XXXX  requires him to undergo XXXX XXXX  to be administered at a hospital. When this happened was around XXXX. He then required XXXX in XXXX due to his airways ( nose and throat ), and voice box XXXX XXXX XXXX XXXX XXXX. All of these areas needed to be addressed with XXXX to prevent further complications. My son XXXX XXXX XXXX XXXX  and in recover for over 3 months after that. He was give permission to go to work a couple of weeks ago and has been in a complete financial distress. He tried numerous of times to have the company owning his lease to give him options while he was facing all these issues. He had a on time payment history throughout the life of the lease. The company ( Volkswagen ) on an Audi vehicle, did not offer any type of extensions or to at least offer other options while he was in such a delicate health state. We are now facing a charged off account with possible repossession. One option give is to voluntarily Forfeit the vehicle which is then auctioned and amount collected is applied to balance and my son will be responsible for paying the remaining balance ( this is a used car so they will not sell for a high enough price to make balance feasible in paying. Other option given was to have car repossessed with a balance of {$40000.00} placed as final charge or repossession. Final option is to pay off the entire amount of XXXX dollars to settle account and keep vehicle. My sons flare ups are induced by stress and XXXX  and this is something that has been weighing heavily on him for some months now. We have tried everything possible with the company who refuses to help in this situation. I unfortunately am a single hardworking mother of 3 and sole provider of our family, I do not have the means to help my son pay this XXXX that is being asked and can not imagine having to see my son have a relapse in his health again due to this situation. I ask that you please help us solve this. I have attached last obtainable invoice of XXXX as there were invoices dated for XXXX and XXXX, but they revoked my access to my account. As well as proof that they started reporting delinquent account in XXXX of this year and by XXXX placed it as a charge off with balance going from {$680.00} to {$40000.00}.
Product: Checking or savings account

Im a person of identity theft. So Chase told me to reopen a new account. Which I did. I needed money because I needed to pay my taxes due to my other bank waiting a few days to give me a provisional credit so my boyfriend signed over his payroll check over and I mobile deposited it. On XX/XX/2025 we went inside the bank to deposit the check in person because the fraud department said they needed proof of my boyfriend. So he came with me with his id and the check and everything, the teller said that we could deposit the check and we showed proof then noticed my account was still restricted. The banker called the fraud department and told them that we couldnt unrestricted the account even with proof of my bf there because he needed a verified phone number. Both of our numbers are under our names. I called my carrier XXXX  times and they told me they dont put names in public records and doesnt know what Chase is talking about. I called Chase so many times. And the fraud department gave me so many different answers. The run around. We even got a us cellular phone put under his name and it still wasnt good enough, they wont release our funds and they closed my account and took the money. XXXX banker even said after the account is closed I could go to the bank and receive a the check, the supervisor of the fraud department said that wasnt possible still due to a unverified phone number. Which I have all the receipts that the numbers are under our names and deposit receipts. Smh. They basically took our money and wont release our funds! Ive been with Chase for XXXX years! I cant even see my closed account. Its gone from my online portal and my savings is next to be closed. Im so XXXX!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX Balance Owed : XXXX ; XXXX XXXXXXXX Balance Owed : XXXX ; XXXX XXXX XXXX XXXX Owed : XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into a lease agreement with GM Financial who at the time did not advise me of my right to opt out nor was I given any information with regard to the Truth in Lending Act, or any other rights I may have been afforded by law. From XXXX of XXXX until XX/XX/XXXX, I made approximately 14 payments amounting to {$6400.00}. It is my understanding that vehicle was charged off in XX/XX/XXXX. I never received and notice of repossession and when I called GM Financial regarding the status of the vehicle in XX/XX/XXXX. I was told that the XXXX XXXX XXXX had advised GM Financial not to return the vehicle. The XXXX XXXX XXXX 's advice has no bearing whatsoever over GM Financial nor any other corporation and confiscating minus a Judicial or court proceeding my property is a gross violation of my rights. Further, the vehicle was charged off in XX/XX/XXXX, again without notice to me and GM Financial has yet to communicate this information to me as well. GM Financial has violated my rights at every turn and had continued to contact me four years after the fact for payments. GM Financial has also report this adverse information on mt consumer report along with an allege debt of # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores have been in the 700 's and have no late payments, collections or any negative history in my name. XXXX and Equifax dropped my score over 60 points because my Mortgage company changed. This is the second time this has happened and it's put my good name in jeopardy and has created hardship in getting great offers and maintaining excellent interest rates. This is totally ridiculous. My Mortgage is still open and always paid on time for many many years. It's seems inconceivable that these companies don't realize that Mortgage companies sell to other companies or servicing companies and should not impact my score. This is ridiculous that this keeps happening and trying to contact these companies is a futile endeavor. XXXX went from XXXX to XXXX and Equifax from XXXX to XXXX. This needs to be corrected immediately and want assurances that this will not continue to happen for the same reasons. this is ridiculous and legal action should be taken even if it's just to teach them a lesson that this is their responsibility to ensure accurate information is always reported and scores are accurate. Credit scores make a difference in your everyday life and it's not something to be taken lightly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteridtics, or mode of living is obtained through personal interviews with neighbors, friends, or associciates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditior of the consumer or from the consumer. They also viloated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to ; 15 U.S.C 1681 section 602 A. States I have the right to privacy. They also they violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : Thw law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Case # XXXX was successfully resolved in my favor over three months ago, but the incompetent XXXX at Trans Union continue to report the inaccurate outdated information that is no longer in dispute. 

They tell me that it's been updated in their system, but I've now received FOUR reports from them that continue to reflect the inaccurate information, listing that I had a high balance of {$14000.00} from " XX/XX/2020 to XX/XX/2020 '' when the actual creditor, XXXX XXXX XXXX, has clearly and correctly updated that amount to {$0.00}, as indicated in their response to me in the above referenced report. 

I have also attached three of those four reports documenting this inaccuracy.
Product: Student loan

I work for a nonprofit and have twice  submitted my employer 's cerfication to MOHELA and gotten rejected. This same employer has been approved for most of my past payment periods. The one payment period that was not certified was recently reviewed by XXXX and found to have been denied in error. I uploaded a copy of this letter to MOHELA via the app and they deleted the record. That omitted period alone is the difference between my loans being forgiven with the 120 qualifying payments. The reason why MOHELA says I do not qualify foe forgiveness is incorrect. " You are not eligible yet, as you have not yet made the required 120 qualifying payments necessary to be eligible for PSLF. To qualify for PSLF, you must make 120 qualifying payments. In addition to making 120 qualifying payments, you must also be working full-time for a qualifying employer at the time you apply for and receive forgiveness under PSLF. '' I have both made 120 qualifying payments ( actually, more under the XXXXSLF rules ) and also work for a qualifying employer with a nonprofit status. My employment has not changed in 7 years. See below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | TAX-EXEMPT SINCE XX/XX/2009 EIN : XXXX Classification ( NTEE ) Primary, Elementary Schools ( Educational Institutions and Related Activities ) Nonprofit Tax Code Designation : 501 ( c ) ( 3 ) Defined as : Organizations for any of the following purposes : religious, educational, charitable, scientific, literary, testing for public safety, fostering national or international amateur sports competition ( as long as it doesnt provide athletic facilities or equipment ), or the prevention of cruelty to children or animals.
Product: Mortgage

Wells Fargo notified XXXX XXXX the escrow shortage amount in XX/XX/XXXX. Each year the escrow shortage has been less than {$400.00}. This year the amount is over {$1400.00}. I requested an answer from the institution and they responded with an answer that was not related to the question. I asked how could you project my Mortgage Insurance Premium high for XX/XX/XXXXwhen it decreases each year? They responded with an answer related to my property insurance. This also decreased. I have the statement and emails to show this escrow amount is incorrect. They are trying to load their losses on people who they think do not pay attention. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) these accounts are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Credit Technologies is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Credit Technologies is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Credit Technologies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX  XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.
Product: Mortgage

My spouse and I have been struggling with our mortgage and XXXX offered us a plan to get caught up. We agreed to make payments for 6 months to get caught up - 'good faith payments ' they were called and after the 6 months of payments ... we would be evaluated for a modification. Or so they said. 4 months in, we made all 4 payments on time and had two more to go, our mortgage was sold to Caliber Home Loans. We did receive a letter stating that the mortgage was sold. Since we were on a payment arrangement with XXXX, we called Caliber to make sure the payments were still going to be deducted automatically from our account and to make sure they had our account information. However, when we called my spouse spoke with someone named XXXX and XXXX stated our home was going into foreclosure in 7 days if we did not pay the {$7800.00} that we were behind with on our mortgage upfront. If we had the {$7800.00}, we would not have been on a repayment plan. My spouse tried explaining this and he was told that if we did not have it in writing from XXXX, that arrangement could not be proved as valid. So then I stepped in and called Caliber and spoke with someone and I was told the same thing, we needed the agreement in writing and to fax it over if we could in order for us to continue with the original XXXX repayment plan. I tried explaining that every month we would get a 'notice of right to cure default ' and the notice states that " If you have made arrangements to cure the delinquency of your mortgage and the agreement is kept, you may disregard this notice. '' We called XXXX the first couple of times we received this letter and they assured us that the payment was made and all was fine. Caliber Homes ( new mortgage company ) stated that did not count. So we call XXXX to inquire about receiving a record of the agreement ... my bank account reflects 4 payments automatically deducted as agreed by the way, but XXXX tells us they no longer have any trace of our records because the mortgage has been sold. At this point, I am ready to call a lawyer but my spouse calls Caliber homes one last time and speaks with someone named XXXX, extension XXXX, and XXXX states that XXXX ( original rep from Caliber homes we spoke to first ) was wrong and literally states verbatim that XXXX does not know what she is doing and XXXX is wrong. We are still on the original agreement schedule with XXXX called a 'step to modification ' according to XXXX . We are supposed to adhere to the XXXX agreement and then discuss a modification according to XXXX. Okay, a big sigh of relief right before XXXX. However, later that same day - XXXX from Caliber Homes calls my spouse on his cell phone and states that XXXX is incorrect. My spouse disagrees and states he does not want to deal with XXXX anymore and would like to continue with XXXX because XXXX seems to know what she is talking about and apparently XXXX had our records from XXXX and was quoting verbatim our initial and original payment agreement that we had with XXXX. XXXX stated that 'nope ', XXXX was wrong and our foreclosure was imminent. What in tarnation is going on here.
Product: Vehicle loan or lease

I was tricked into signing a bad car deal and wasnt giving any of the information I asked for to take the proper measures to get my car and they where requesting large amounts of money from me and threatening to take my vehicle
Product: Credit reporting or other personal consumer reports

I was trying to buy a vehicle but i was unable to due to the damages on my credit report according to the 15 U.S.C 1681 law there should not be damages on my report that is a defamation of my character.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fico score is innacurately showing XXXX. It was XXXX last month. My FICO score should be in the high 700 's. Experian has been showing innacurate info for years without explanation.They are criminally and falsely reporting on my credit report. I will be involved in the class action lawsuit against them if this isnt resolved A.S.A.P. XXXX  acurately has my score at XXXX and XXXX at XXXX. There needs to be an intelligent explanation, not an equivocal one, expalaining their discrepancies.
Product: Debt collection

I asked XXXX with IQ Data to remove my company office phone from my file and only contact my personal cell phone or my home number, which he said he would. XXXX keeps calling my office regardless and now I have received a formal warning from my employer about taking personal calls during work hours. If this action continues I will be suspended or terminated from my job. This is harassment and needs to stop. If my employment is terminated I will be seeking legal damages from IQ Data.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit file by several creditors. The details of my dispute and the applicable legal provisions supporting my claim are outlined below. 

XXXX. XXXX XXXX XXXX 

Account Details : Account Open Date : XX/XX/XXXX Balance : {$300.00} Credit Limit : {$2500.00} Payment History : XXXX days late, {$60.00} past due This account contains inaccuracies regarding the reported late payments and their compliance with consumer protections outlined in the following statutes : 15 USC 1666b Timely payments must be credited if received within the grace period set forth in the billing statement. 
15 USC 1637 ( b ) Creditors are required to disclose accurate account statements, including payment allocations and any late fees. 
15 USC 1681s-2 ( a ) Furnishers must report accurate information to consumer reporting agencies.

15 USC 1681i Consumers have the right to dispute inaccurate information on their credit file. 

I request that the CFPB investigate this account and verify whether XXXX XXXX has complied with these legal standards. 

XXXX. XXXX XXXX Account Details : Account Open Date : XX/XX/XXXX Balance : {$460.00} ( charged off ) Credit Limit : {$300.00} XXXX XXXX has reported this account as charged off as bad debt with a balance exceeding the credit limit. Under 15 USC 1681s-2, I am disputing the accuracy of the charge-off amount and whether appropriate notice was given per legal requirements. 

XXXX XXXX XXXX XXXX  Account Details : Account Open Date : XX/XX/XXXX Balance : {$220.00} ( charged off ) Credit Limit : {$200.00} This account is also reported as charged off as bad debt. I am requesting an investigation into the accuracy of this reporting under 15 USC 1681i and a review of compliance with applicable FCRA regulations.

Resolution Requested I respectfully request the following : 1. Full investigation into the accuracy of the reported late payments and charge-offs. 
2. Removal of any inaccuracies identified during the investigation.

3. Written confirmation of the resolution of this dispute.

Please find attached copies of my credit report highlighting the disputed items and any supporting documentation for your review.

Thank you for your attention to this matter. I trust the CFPB will ensure compliance with the Fair Credit Reporting Act and other applicable regulations. 

Sincerely, XXXX XXXX Enclosures : XXXX. Credit report excerpts highlighting disputed accounts 2. Supporting documentation ( if applicable )
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative of this company and I was promised that the inquiries made on my credit reports would be removed from my credit reports from 2021. This company never honored their word and removed the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX Account # XXXX XXXX payments never late 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, credit repair services, or other personal consumer reports

I have been a victim of identity theft/FraudI disputed this fraudulent Credit Acceptance charge off account on XXXX via XXXX and Credit Acceptance XXXX They did not respond to me and did not correct the issue. I am very upset and XXXX and Credit Acceptance is violation of multiple consumer laws. I have submitted a police report, FTC Report and a letter explaining the laws that were broken. I am demanding that this issue gets correct immediately. If not, then I will be filing a lawsuit and suiting for damages. Please comply!
Product: Debt collection

Central Portfolio Control recovery services has been calling me nonstop about a debt owed to XXXX. I do n't have any written documentation about this debt, and I contacted XXXX, the original creditor, to resolve the issue. Customer Service told me they did n't have any record of my owing them, and they searched my email addresses, telephone numbers, and physical addresses. Then, they transferred me to Credit, and that employee told me I had to contact the collection agency, they had no information, they sold it to CPC. I told them if I owed XXXX, I wanted to deal with the original creditor, and pay them. I was told that XXXX had nothing to do with it, I needed to call CPC. I am tired of CPC calling my home, I am being harassed by CPC. XXXX is n't helping me at all.