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

On XXXX XXXX went to new jersey to pick up some people 's going to XXXXXXXX XXXX vermont was stopped by us border patrols... where they illegaly seized my car.i payed for 3 months after see if I get the car by then..bank repoed that vehicle..I tryd to redeem this vehicle back from santander bank..they refused and want full payment for this vehicle they have in possession..and still sending me a bill of XXXX.
Product: Debt collection

I received a letter from the IRS stating that I owed over {$3000.00} dollars to USAA. I immediately called USAA. I was transferred repeatedly in regards to this issue and did not get any closer to resolving it. I was told I had a savings account that was overdrawn by over {$3000.00} dollars in XXXX I never had a savings account with USAA and I never had any sort of money in a savings account. The IRS received a 1099c ( I had never even heard of such a document until this morning ) from USAA and now the IRS is saying I owe that to them as taxable income. I have never in my life received a 1099c from any entity. The IRS is now coming after me saying that it is taxable income when my SSDI/VA benefits are not taxable. I have not filed taxes since my income is non- taxable. I had fraud on the account and took all necessary steps with USAA to close all accounts. I have not had any dealings with USAA until today when I found out the reason for the IRSs letter. 

I had no idea what was going on until I spent almost 2 hours on the phone with the IRS and then immediately called USAA in which I was on the phone for over 2 hours.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/year>, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports.

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them tolegal liability and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Target store card. The balance was {$6.00} which I paid in full and closed the account. The next thing I know is that Target charged me a late fee of {$11.00} on a  XXXX  balance and it now shows on my credit report as bad debt.     I 've tried to resolve it with them through a dispute but they answered with an " update '' and nothing has changed!     I have always had excellent credit and this {$11.00} charge is now affecting me on my upcoming purchases.     Please look int this for me as they should be removing it from my report.     Thank you!
Product: Vehicle loan or lease

Credit Acceptance Lawsuit I financed a vehicle with credit acceptance in 2021. The price for the vehicle was {$18000.00}. I paid {$9600.00} on the vehicle so far which includes my down payment. Due to extremely high interest and late fees the balance I owe credit acceptance now is {$29000.00}! The vehicle 's value is only {$9000.00}! I have paid them almost {$10000.00} for this vehicle and they still want an additional {$29000.00} which is insane. I need help! I can not afford this, I never could afford this. I was denied by 8 other loan companies due to my low credit score and low income. Credit acceptance set me up for failure when they gave me this loan with an interest rate of 22.99 %. I make less than {$20000.00} a year. I could never afford this loan. They repossessed my vehicle 3 times already and charged me a large amount of fees for it. My credit score has decreased tremendously. I also have spent almost {$3000.00} on repairs for this vehicle. This loan is ruining my life, I need help desperately, I am a single mother with low income and I can not afford a lawyer.
Product: Credit reporting or other personal consumer reports

noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( XXXX, XXXX, and Equifax ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : XXXX : " Charged off as bad debt. Account closed due to transfer of balance. '' XXXX : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' Equifax : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report. 

The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as XXXX  months, but it is unclear if this reflects the original terms of the agreement or if there was a modification. 

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020 I wrote to transunion about collection account that was on my credit report that do not belong to me. please help
Product: Credit card

The following is a detailed account of a recent incident that has caused me immense frustration and stress. I am currently XXXX XXXX and have been XXXX since XX/XX/2023. While I was away, Dell, which was sold to Comenity Bank, made some changes to their payment system. Unfortunately, these changes also affected the auto-pay system that I had set up for my account. Although a notice was sent out via mail, I was already XXXX at the time and did not receive it. 

Prior to this change, my account had always been on auto-pay, and I had never missed a payment. However, when Dell/Comenity Bank made this change, my auto-pay was stopped, and as a result, XXXX months of payments were missed. I was unaware of this until I started receiving alerts of a delinquent account through my credit monitoring services, which I had started because someone in XXXX had tried to steal my identity. 

As soon as I received this alert, I contacted Dell immediately to schedule payment and inform them of what had happened. They took off only one of the missed payments and left the other. I have called them over XXXX times to resolve this matter, but they keep giving me a number to their " credit department, '' which turned out to be XXXX 's number. I had already disputed this matter with the credit bureau, but they did not change it even after I paid the account to a XXXX balance. They shrugged their shoulders and told me that there was nothing they could do. 

Currently, I am XXXX  days from redeploying back home and still can not get approved for my XXXX  loan because of this late payment. My lender has informed me directly that this has caused an issue, rendering me homeless at the moment. This situation has caused me immense stress, and I am hopeful that it can be resolved soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that a reinvestigation of the inaccurate and misleading items I see reporting to my consumer report be reinvestigated as I believe a thorough investigation wasnt properly conducted pertaining to law. According to the FCRA Fair Credit Reporting Act [ 15 U.S.C 1681i ] Section 611. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. Failing that, the item must be deleted from the report as soon as possible. The listed items listed in my complaint are entirely inaccurate and incomplete, and as such represents a very serious error in the credit reporting agency effort to maintain an accurate report on my behalf as a consumer. Ive contacted the credit bereaus & the agencies directly on this matter and have yet to hear a response in regards to my complaint as its been well over the 30 day mark.
Product: Debt collection

COLLECTOR LEFT A VOICE MAIL WITH INFO TALKING ABOUT LEGAL ACTION SO I CALLED AND WHEN I CALLED THERE WAS WAS NO MIMI MIRANDA NO VERFY OF THE ADDRESS THE COLLECTOR WAS GETTING REAL RUDE AND HUNG ON ME ... SO I CALLED BACK I ONLY SAID MY NAME AND THE LADY JUST WENT IN TRYING TO TELL ME WHAT I OWE I SAID I WAS DISPUTING AND I WILL FAX THE INFO ... THEN I THOUGHT I WORK AT A COLLECTION AGENCY AND I NEW IT WAS A VIOLATION AND TALKED TO MANAGER AND HE GAVE ME THE INFO
Product: Student loan

School was shut down for embezzlement and fraud. I am not able to discharge my student loans because my transcripts indicate I was not going to the school within 160 days of the closing when I was still currently active and enrolled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( dba.XXXX XXXX ) added an escrow account to my mortgage payment and reported it 30 days late in XX/XX/XXXX. They acknowledged this was done in error and failed to correct my credit to positive status for over 7 months. They also reported my account 30 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, even while accepting my payments and providing written documentation that the negative reporting was their error. They also provided written documentation that the account was never late and should have been updated with the credit agencies. As of XXXX, XXXX XXXX, my credit score is still under 650 because of the late payments reported over the last 7 months and I have documentation of 11 attempts to correct this via email, mail and phone calls. I have also hired a lawyer to work on my behalf. I have suffered severe financial loss due to these errors and the length of time that my credit score has been damaged. There is no explanation for the 7 months of delays is correcting the errors in my credit reporting and I would like the CFPB to investigate this case and hold XXXX responsible for it's gross negligence. I hope this case will be used as an example of how mortgage services can destroy innocent victims credit and cause innumerable levels of stress and financial damage. There needs to be better credit correction oversight of mortgage services in the future to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Dear XXXX, Experian, XXXX RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  6. XXXX  7. XXXX 8. XXXX 9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

I opened a business checking account in person at citizens bank in XX/XX/2023 I advised the branch manager that I would be receiving a large deposit from XXXX XXXX. On XX/XX/2023 I deposited a check for {$15000.00}. They released {$200.00} of it and put the rest on a 10 day hold. On the XXXX day they extended the hold till XX/XX/2023. On XX/XX/XXXX they extended the hold till XX/XX/2023. The check is drawn from XXXX bank. XXXX XXXX has sent me the voided check showing that that the check has cleared the account and citizens has been paid the money. I have sent numerous emails to numerous people at citizens, called numerous times, went into the branch numerous times trying to get someone to help me and no one seems to be able to help me receive my funds. I have the voided check showing it was a valid good check and I have emails from the director of XXXX XXXX validating that I was supposed to receive the money. I have been more than accommodating getting citizens the information to prove that Im to receive these funds and they are still holding my money and have single handed ran my small business into the ground
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXXXXXX XXXXXX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card

Tracking # XXXX- XXXX XXXX has had my application on hold for an unusual length of time. They claim it is because they need documents from me to verify Information. I have done as I was requested and sent them everything and still nothing has happened.
Product: Student loan

In XXXX of 2019 just after my grace period ended, I called my student loan provider, XXXX to learn more about re-payment plans and what option is the best for my financial situation. Based on my conversation with the XXXX Customer Service Representative, I began making monthly payments of {$400.00} which I've done consistently since my first payment in XXXX of 2019. At the time and still today I work for a qualified public service agency ( city and county government ) but was never informed of the Public Service Loan Forgiveness payment plan option which I later found out is a plan that relieves your outstanding balance after 10 years of consistent monthly payments. If I was aware of this option I would have taken it immediately. It would mean that I would have paid lower monthly payments for the last 3 years and I could have contributed those three years of payment towards the 10 year commitment required by the Public Service Loan Forgiveness program since I plan to work for the government for that duration of time. 

Additionally, I could have been saving the extra money I've been spending on my loans, as encouraged by XXXX 's Customer Service Representative, towards other living costs like food, gas to get to work and medical expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my mother and father, filed a XXXX XXXX  bankruptcy. My mother and fathers finances and mine do not cross in anyway. Their attorney at the time was negligent, and somehow got my credit card into my mother and fathers bankruptcy, because our addresses at the time were the same, we both had XXXX XXXX  cards and the balances were similar. We are still stumped how he saw my credit card without my personal information. The law firm sent a cease and desist letter to XXXX XXXX. Assuming the card was in my parents name. My mother and father are not cosigners or authorized users on my credit card. I now have a petition for a XXXX XXXX bankruptcy on my credit report for my XXXX XXXXXXXX card along with XXXX 30 day late fees, because I was unable to pay my card because of the bankruptcy attorneys cease and desist letter. I did not file for bankruptcy in XX/XX/2021. I have attempted to remove this with XXXX XXXX multiple times my card is now reinstated with XXXX  XXXX and in good standing with them but this error continues to show on my credit report. I have also disputed this with the credit bureaus as well, and it has been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many complaints against all 3 credit bureaus, and it has been going on for more than 10 years, since the beginning of the credit bureau companies. I am not able to get a copy of my credit report. The website for " annual credit report '' says they can not verify my identity. With my driver 's license, social security card, passport landing page, voter registration card, car insurance, care registration card, mobile phone statements, bank statements, and more, they have never, never been able to verify my identity. I have repeatedly postal mailed packets of information that is museum quality documents. I have uploaded those documents to their websites. I have spoken on the phone with their staff. Born in the USA, I speak fluent English and have fabulous communication skills. I am not able to unfreeze my credit report since I don't have the PIN that was issued to me more than 10 years ago. I am not able to remove the inaccurate information on my credit report. Wrong names and misspellings of my name. Addresses that are more than 7 and 10 years ago. Refusing to allow me to update my personal statement of fraud alert. I have complained for years, and nothing has been done to get this issue resolved. I am still not able to get a copy of my credit report or remove incorrect information. Fake debts stayed on my credit report for about seven years, and then left. Currently, there's no fake debts, but much false personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a repo with XXXX XXXX  that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.
Product: Vehicle loan or lease

I have contacted Santander Consumer USA numerous of time regarding my account. I purchased the XXXX XXXX XXXX XX/XX/XXXX. I purchased the car for {$10000.00} ; I made a downpayment of over {$2000.00}, with monthly payments set for XXXX each month. I have had the car 4 years and the balance is more than what I purchased it for. Every payment that I have made went toward interest. The fees were so ridiculous that I had to send in a money order each month to avoid paying an additional fee for using my bank card. I then came into the problem with them saying they have n't received my payments, I ended up having to pay twice for the same month. I then started to making he payments with my card to avoid the problem of them saying they never got the money order, but I was n't able to continue paying the additional fee for using a card. So I sent money orders and they said they did n't get them, but this time I did n't know until I looked at my credit report. it shows that I am past due almost {$2000.00} for 120 days. They did n't call me not 1 time did n't send any letters. I called Santander numerous of times, they basically said there is nothing they can do. That they recently lowered the fee amount for making card payments but regarding the interest and fees I am responsible for those, that my car is up for repossession, and the amount has to be paid in order to remove the repossession order. I called back today XX/XX/XXXX I asked why have n't I gotten any letters, calls, or emails regarding the missed payments. The representative told me that in XX/XX/XXXX my account was sent to XXXX XXXX XXXX and all communications was stopped. They removed my online statements, so therefore I am unable to see what is actually do or anything the information that my online account shows is from XX/XX/XXXX. I called XXXX XXXX XXXX I spoke with one of the lawyers who told me they no longer represent Santander due to the predatory loan practices, they have n't representative them since XX/XX/XXXX, and they do not have any information regarding my account in their system. They never even received any thing from anyone with my name and social. This is ridiculous, Santander is a liar, and a scammer. I will attach the last statement that is on my online account, along with my payment history.