23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am uploading my tax information regarding the loan. 

The interest rate stated is 6.8 %. I still owe about {$3200.00} total. Somehow, they were able to extract {$810.00} in interest payments over the last year. The only way they could do that is if they were still charging me interest on the full loan amount as if I never made any payments ( originally about {$8000.00} XXXX. I do not think they are subtracting what I've paid from the loan amount before applying interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my credit report that do not belong to be, I was a college student and didnt take these loans out. An they are effecting my credit score and keeping me from some jobs and buying a home in the future.
Product: Vehicle loan or lease

XX/XX/2018, After calling i asked about refinancing my vehicle i was directed yo the Capital One Auto Finance website. I get pre approved with XXXX credit score and acceptable loan terms a soft inquiry was used. I continue the online application process same terms and a hard inquiry is stated and agreed singe the loan terms were acceptable. Upon completing my esignature i realized i omitted my apartment number and immediately called the number on the website to correct my address. The rep asks if my loan company is open and as i search for the number i mention my lease. To which the rep states they don't do anything with a lease. I state your website doesn't say that! I just was approve and now a hard inquiry ous on my credit report. If you are not paying off my lease then that needs to get removed. Your website doesn't clearly state this or warn customers you dont finance lease purchase. She stated she couldn't remove the inquiry. I asked for ca supervisor. I was transferred to a gentleman by the name of XXXX at XXXX XXXX. He proceeded to tell me about lease financing, which i interrupted him stating I've financed and leased 4 or 5 cars and fully understand leasing. Your website allowed me to complete and esign the loan and neither before during or signing does it say leases are not b able to be financed. He said yes it does in the FAQs. I replied. I've financed several vehicles. I know my credit is solid i was instantly approved, signed docs only to call back to correct my address then find dont finance lease purchase. I demanded someone anyone to fix this and remove the inquiry. He proceeded to direct me to the office ood the president or to go through the dispute process and they would look at it. I completely disagreed with this staying this isn't fair and isn't right. The website is not clear and upfront this and the inquires need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND I FOUND INACCURACIES ALL OVER THE REPORT AND I WANT THEM DELETED IMMEDIATELY LISTED BELOW WITH INACCURACIES SHOWN. 

XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX, SHOWING OPEN ACCOUNT, OPEN DATE ( XX/XX/XXXX ) XXXX REPORTED ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX XXXX  BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED ACCOUNT ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED DATE ( INACCURATE ) XXXX SHOWING OPEN STATUS. OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE WITH XXXX  DATES.
Product: Payday loan, title loan, personal loan, or advance loan

The loan is closed, the company no longer exist, and its on my credit report.
Product: Mortgage

XXXX XXXX XXXX XXXX SETERUS, INC has their insurance agency XXXX XXXX sending multiple letters ( this year to date XXXX already ) regarding condominium insurance information they have already had for weeks. The condo assoc master insurance policies were submitted more than one month ago, they are a loss payee on my XXXX policy, and the condo insurance agent spoke to them on the phone and was told all was resolved on XXXX XXXX ( XXXX attachment ), yet they continue to send more letters.
Product: Credit reporting or other personal consumer reports

This is stressing me out, my loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Product: Mortgage

I have been with Carrington Mortgage for 17 years. I have taken out loan modifications because of hardship. The time I did the loan modifications it took them 6months and that put me in a position that I could not afford to pay. Therefore, my back was against the wall. However, when I did a loan modification with XXXX they were able to get it resolved in 2 months. I had to take a high interest adjustment and they knew what they were doing. Now, I can understand why they are getting sued, because they do take advantage of hardship with Consumers as myself. I was done wrong and would like to get justified by Carrington wrong doing I can be reach at XXXX XXXX XXXX XXXX. I would like to see if of the Consumers that was mislead you be paid. Carrington is a dishonest company and I hope you can assist all those Consumers who lost their homes and still struggling to pay their loans Thank you
Product: Checking or savings account

I have been banking with Wells Fargo for 40 plus years. When I use my debit card there is money in my account but Wells Fargo holds my withdrawals until a bigger withdrawal is made and then charges me multiple {$35.00} overdraft fees for all my previous withdrawals that should have been subtracted first. If they would subtract them in the order they received them it would be one overdraft, not multiple ones. This has been going on for years. If you call them about it they act like they don't understand.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I had received a check of {$16000.00} from XXXX XXXX  and deposited to key bank account and they said that check was returned and they were a fraud. I contacted by email the person who sent me a check but no more response, until now. 
I had been calling the fraud department and still investigating and my bank is now on restriction, blocked, I dont have access online bill payments, Its the only bank Im having and Im suffering now going out paying bills. 
Please help me to resolve this matter for myself and waiting for your support team to contact me via direct message to my mobile phone number Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account : XXXX XXXX : XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. section604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am requesting that collection agency remove chargeoff from my credit report as I have already paid debt in full. This is compromising my opportunties to get new credit. Below is the collection agency information. 

TRANSWORLD SYSTEM INC/ Original creditor : XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 100 % Balance on XX/XX/2021 Original balance - {$3500.00} Payment Info Original balance {$3500.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed all of the information needed to commit identity theft to hackers on XX/XX/XXXX and they refuse to protect me until XX/XX/XXXX due to " high call volumes. '' In addition, they will only protect me for ONE YEAR, after which I need to start paying them to protect me. It is outrageous that they are entitled to PROFIT from their inability to protect my non-public personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed dispute with XXXX for two ( 2 ) transactions for XXXX each for Amcol Syst. These are supposedly collections for XXXX XXXX XXXX. The two amounts in question were removed by XXXX   XXXX XXXX based on information provided to them via phone and fax in XXXX on XXXX. They advised I would be relieved of the amount owed and it would be considered a XXXX balance. XXXX   never sent a further bill. On XX/XX/XXXX, I was notified of two ( 2 ) collections items being reported for the above mentioned items. I filed a dispute and equifax simply verified the name and address and said it was valid. No actual investigation was done. To date, I have not received any correspondence from someone called Amcol syst.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account i have fought multiple times, keeps getting closed or removed and then sold to other companies, i provided this info to all 3 credit bureos and experien was the only one giving me trouble and wouldnt remove it from the account, they make it really hard for credit repair and take way to long to update it, i disputed XXXX ( for XXXX  ) and they did nor remove it even though the accoun is closed and removed from XXXX and XXXX ( proof provided )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company 2-3 times. They removed some of the information that was on there. I was not even old enough to have a account with the things that they removed. Now I am fighting to get the rest off. I am not asking them I am begging them I feel like I have no life at this point because I can't get anything done our even use my own name. I have written everyone I know how to write .I am so clueless & frustrated about this issue I am hoping this letter reaches the right hands. My last hope is to reach out to the news station & social media if I can't get help from this letter. I am sending ALL of the paperwork that I have I was in XXXX when these accounts were open. I walked in on my husband & sister having XXXX I hit him in the head with a bat she ran out the door I couldn't get her. The police were called I went to jail, this is " NOT '' the first time that my sister has used my information. I went through XXXX trying to clear my name with credit card companies last time & I finally did. I am sending information showing & proving that it was no way possible that I could be in two places at one time. I am not asking I am begging that you please remove XXXX XXXX, XXXX & XXXX XXXX I ( DID NOT ) HAVE these account I have never had a account with them. It is impossible for me to be in two places at one time a XXXX is XXXX down unless I had a clone or turned in to a ghost. I received 6 years in XXXX for XXXX XXXX on a family member. I just recently was released in XXXX I am still working on other banks & credit cards to be cleared my cousin has helped me a great deal while I was XXXX  reaching out to most of these companies. I am reaching out to all of the company 's that are left on my credit file & my bank report. This is horrible I feel XXXX & robbed I can't even use my OWN name. I am taking ALL of the precautions I put a block on my credit report, filed police reports, flagged my name with every company known to man. I was brought up in a family where I had lights in my name at the age of 6 years old. Right now I am trying to piece my life back together about some of these companies treat the VICTIM like the criminal this is just outrages. 
My sister name is XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ... If it was not for my cousin helping put blocks on my info while I was in jail I don't know where my life would be right now. I just want my OWN identity back PLEASE.. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX
Product: Credit card or prepaid card

I implore you to promptly update my account as I have consistently made timely payments
Product: Credit card

Captial one bank 
Balance of XXXX  Date opened XXXX XXXX XXXX

XXXX XXXX XXXX 
Balance of XXXX
Date opened XXXX XXXX XXXX XXXX XXXX XXXX 
Balance of XXXX
Date opened XXXX XXXX XXXX  
XXXX XXXX 
Balance of XXXX
Date opened XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Debt collection

I sent two debt validation letters to United Revenue corporation requesting the pertinent information to validate that the debt is mine for 6 different accounts that is with their office. Both times they failed to validate the debt and NO HIPPA authorization form was provided in either of their poorly written letters back to me. This business violated my health information privacy rights and committed another violation of my privacy by not providing me this information and having my actual health records on file. I am aware HIPPA allows limited information however, this company has direct medical information from the medical providers. They have failed to provide any type of two additional accounts on my credit one for the amount of {$950.00} and another for {$480.00}.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Inaccurate Reporting of Account Dates and Status : The existence of the account in question is accurate ; however, the reporting of dates and status by the collection company is incorrect. Specifically, the account open date and the reported date of lateness ( XXXX ) do not align with the actual timeline of events. This discrepancy misrepresents my financial history. 
Misrepresentation by Collection Agencies : The collection company, XXXX XXXX, and their hired firm, Central Portfolio Control, have inaccurately reported the dates of the account opening, lateness, and the account status. This information is crucial for determining the timeline for the account 's removal from my report. 

I have contacted the original creditor, XXXX, and XXXX XXXX, who confirmed that they do not possess the detailed account information. This lack of availability of accurate data raises concerns about the legitimacy of the reported information. 
Violation of FCRA Standards : Under the FCRA, I have the right to dispute inaccurate information in my credit report, and credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. The reported information by Central Portfolio Control does not meet these standards. 

The dispute process with XXXX confirmed the existence of the account but did not address the inaccuracies in dates and status. This partial resolution fails to correct the misleading and damaging information impacting my credit score. 

In light of the above, I request an immediate investigation into these inaccuracies and the correction of my credit report in accordance with the FCRA. The continued reporting of false or unverified information by the collection agencies violates my rights and unjustly harms my creditworthiness. 

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the true status of my account.
Product: Vehicle loan or lease

Santander is refusing to provide the title for my XXXX  XXXX XXXX to the new lender. 
I have called them twice and still dont have what I need for the refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, under Texas state law, one must pay a {$10.00} fee to either freeze or lift a freeze on a credit file. 

Given the massive breach we have seen at Equifax, freezing a credit file seems to be a reasonable short-term solution to prevent fraudulent credit accounts being opened. However, this exercise would cost a person at least {$30.00} to do so in Texas. In addition, were one required to lift this freeze for a genuine reason such as a credit application or a employment screening, one would have to pay an additional {$10.00} to {$30.00} to do so ; followed by a freeze again ; which again costs money. 

As a taxpayer, I 'm outraged that I have to pay such arbitrary fees. In addition, the freeze process takes 5 business days while the lift freeze process takes 3 business days.
In today 's technological age, there should be no reason why the credit reporting companies can not make the freeze/lift freeze option both instantaneous and free. The cost of the technical changes to be made will be minuscule compared to the revenue being earned by these companies. The fee is purely a money-grab and an abhorrent practice. As a consumer, I should have control over my credit information and the right to keep it private.
I urge the CFPB to enforce a code requiring credit freeze/lift be made available for free and instantaneous. In the absence of CFPB being unable to enforce such a code, I urge it to recommend to Congress that such a law be passed at the federal level. The benefits of this to consumers will be enormous.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Transunion XXXX and XXXX XXXX Unathorized Reporting of Personal Information Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against transunion, a credit reporting agency, for what I believe to be a violation of consumer law as outlined in 16 U.S. Code 1681b ( a ) ( 2 ). I am deeply concerned about the unauthorized reporting of my personal information without my consent, which is a clear breach of my rights as a consumer under the Fair Cresit Reporting Act ( FCRA ) I have never authorized Transunion, XXXX or XXXX to collect or report this information. This Unathorized reporting has had a negative effect on my credit profile and financial standing, potentially affecting my ability to secure loans, housing, or employment I have made multiple attempts to contact Transunion XXXX and XXXX to rectify this situation, but I have not received a satisfactory response or resolution from them I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Transunion XXXX and XXXX complied with federal appropriate action to ensure that Transunion complied with federal consumer protection laws. Furthermore, I would appreciate if you could keep me informed about the progress and outcome of your investigation Enclosed with this complaint are copies of relevant documents. I appreciate your prompt attention to this matter and your commitment to uphold consumer rights. 

Thank you for your assistance on this matter Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Debt collection

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Product: Debt collection

I received a collections letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Since it did not list my name correctly, I assumed it was spam. At the time I also reached out to the originator of the debt to see if it was a scam and XXXX never responded to me. 

XXXX sent another letter, again telling me I owed this dept. This time I replied and asked them to explain what the debt was. I received a letter in the mail that listed the debt but all of this information is new to me. 

The identification that is close to mine is : Most of my first name ; All of my last name ; Most of my address. The other identifying information in this letter lists email addresses and persons unknown to me. Other identifying information that is unknown to me includes bank account information and transaction dates. 

This is identity theft. I have reached out to the original debtor ( Xoom ) and told them as such.
Product: Debt collection

In the early Part of XXXX 2017 I attempted to contact receivable recovery to clear up my accounts with them 1 by 1 at which time I was told by the representative but I spoke to that I could not clear up one account that I would have to pay all accounts at 1 time before they would clear any account. If I 'm not mistaken by law I am able to say which account that I want my funds to be applied to. My call to the company was recorded and I do have the recording on my phone if needed at a later date to prove what I was told by the company representative. I feel that I was bullied by this Representative.