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

I purchased a new XXXX XXXX the day before XXXX in XXXX. I've been trying to pay off the vehicle since XX/XX/XXXX. On XX/XX/XXXX I was informed I overpaid by about {$390.00} and to not pay. I have repeatedly ask XXXX to fix the missing payments on my account due to a " glitch '' in XX/XX/XXXX according to them. 
I financed {$43000.00}, I have paid {$44000.00}. They're showing my principal balance is now {$11000.00} and my payoff is XXXX, which is absolutely incorrect. 
A few reps had some of it fixed but the after the last rep requested the account closed the principal jumped up over {$11000.00} as stated above. They also changed my per diem interest rate from {$0.00} to {$2.00} for no reason as well. That rate had slowly gone down while paying it off and the last person cranked it up again. I'm tired of accruing interest on an account that supervisors are showing should be closed. I want my title free of lien since I have in good faith paid it off.

I have supplied Kia with my bank statements and XXXX, who accepts their payments has contacted Kia informing that yes, every payment was received and processed correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XXXX or XXXX. 
In XX/XX/XXXX, I reached out to Equifax and XXXX  directly and sent them proof of the legal name change. I got some reports updated. In XXXX, however, I contacted my XXXX attorney because XXXX  continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX  in XX/XX/XXXX, I wrote a letter to XXXX   and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on XXXX  's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called XXXX  because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on XXXX  's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked XX/XX/XXXXto merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

When I applied for a Mortgage with XXXX  I was under the impression I was pre-approved for a certain amount with the income I provided to them back in XXXX of XXXX in the form of paystubs and other various information that was asked on the application and form the loan officer. After searching for a home and entering a contract ( XX/XX/XXXX ), paying my due diligence fee ( {$2000.00} ), paying an appraisal fee of {$550.00} ( XX/XX/XXXX ), Having the appraisal and home inspection done ( {$520.00} ). I was then told after calling the agent on XX/XX/XXXX that my loan application will be denied due to affordability off of the fact that one of my incomes is a paid internship. I then was told by this same agent orally that I qualify off of the paid internship money alone ( XX/XX/XXXX ) and I then explained from my other job that I get paid the same amount off of my normal working hours I just had not been working those hours due to the paid internship because I did not believe that would be an issue with the mortgage considering the internship is ongoing through XX/XX/XXXX. I was then told if I could show the next pay stub I get these hours that I had stated, on XX/XX/XXXX then that could be leveraged to get me an approval. After a few days, XX/XX/XXXX, I was contacted again and was told that I would now need to provide a document from my company stating the talked about hours, pay rate, overtime pay rate, full time start date, bonus pay structure and dates from who handles the payroll will need to be provided in order to use any of the information. I then asked why would this need to be provided as it is all listed on the paystub and and additional information has already been shown too them. A supervisor was then brought into the picture and I was further explained that this was coming from " upper management '' and would need to be provided. I then asked supplemental information and was greeted with less that sufficient information to answer my questions unless the question were phrased in a hypothetical manner from either agent. Then on XXXX XXXX I was contacted by my process with an abrupt statement that My loan was denied due to affordability without sending in any of the information I was requested to gather. I am now confused and out of almost {$3000.00} that all could of been avoided if sufficient information was pulled and or verified before the pre-approval was placed. Alternatively, no money should have been taken from the account unless verification was done due to the fact that this makes or breaks the approval odds and terminates loan altogether.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX got a copy of my credit report and recently disputed alleged debt with the collection through CFPB, the company failed to provide a CERTIFIED mail receipt with my signature showing if I got notify of the debt, failed to enclose on how much the debt collector paid for the debt, failed to enclose if they are registered to collect debt in the state, collection is not on any of. the addresses that are attached to my credit report that is also attached below with NMLS of registered states to collect on debt. Results as well.
Product: Debt collection

In XXXX 2015 I received a letter from a collection company regarding a bill for ambulance service with the City of XXXX. I offered to set up monthly payment arrangements of {$30.00} a month and the balance was {$250.00}. I gave them my banking information to debt my account each month for {$30.00} until the balance was paid. The agreed that this payment arrangement would avoid the account from being reported to the Credit Bureau ( s ). I never heard anything else from the collection company. I received an email that I had a change in my credit report and discovered that, despite our agreement, they reported the account to XXXX. I called the company and they were not willing to remove the negative reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  credit card is showing invalid information on my credit report. If you review the type of account, the date of last reporting, the legend of showing its CO on XXXX but NOT reporting on transunion or XXXX, and is outdated. The account has different addresses in which I have NEVER lived. 

According to 15 USC 1681 s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have NO respect for the law Someone needs to hold them accountable for this The credit bureaus keep them disrespecting laws. I showed them multiple times of how they are violating laws are violating the fair credit reporting act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete the accounts that are NOT reporting correctly According to 15 USC 1681b ( 1 ) the credit bureaus dont have NO written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish information regarding the information relating to a consumer reporting agency if -- - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is in fact inaccurate I can go on and on about this Someone needs to hold them accountable for this.
Product: Credit card

Dear THD/CBNA,/ Cfpb team ; I am writing to express my deep concern regarding the inaccurate reporting of my account on my credit report. Upon reviewing my report with my loan XXXX over the weekend, I was alarmed to find late payments recorded for XXXX and XX/XX/year>. 

I am unsure how these late payments occurred, as I believe I made my payments on time based on the statements I received. It is possible that there was an issue with receiving or processing my monthly statements. 

I request the immediate removal of these late payments from my credit report. Given our previously positive relationship, I also ask for a refund of any late fees that were assessed due to these errors. Additionally, I believe I have been billed incorrectly under the provisions of the Fair Credit Billing Act ( FCBA ) and other relevant statutes ( 15 USC 1666b, 1681i, 1692g ). 

I urge you to correct these inaccuracies promptly. I would prefer to resolve this matter without further delays or complications. I appreciate your attention to this issue and look forward to continuing our positive relationship. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the 3 CRAs for failing to follow FCRA laws and protocols, reporting countless inaccuracies on my report and furnishing my private information on a public record! The accounts at the bottom are at question : Experian 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  Also I have filed multiple disputes and have not received any documentation pertaining to my situation, which is also breaking Consumer Law Codes
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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: Credit reporting or other personal consumer reports

I asked for copy of the signed agreement and the lady hung up in my face and she said talk to there lawyer. How could I talk to there lawyer when I dont know who the lawyer is when she hung up in my face. Also she lied to the court about the amount I had left to payoff and the amount I was paying a month.. The XXXX reported false information my payment a month was {$320.00} a month. She lied and said I was paying {$420.00} which is incorrect. Now this company is garnishing my check every week almost {$200.00} when I can barley take care of my family because the company lied. Not only is this lied they so my information to a third party which was in the contract not to do. I have a charge off on my credit report for this company. Meaning they sold this account to creditor and this company has been paid for this account. But also this company tower loan is having my check garnish and getting paid twice. I paid my account down to {$2000.00} and now they tell the court I owe {$9800.00}. How is that portable. This company is money laundering. I have paid this company over {$2000.00} in garnishment so far. Charge off mean that the company has been paid for that account and this company has lied about the amount being paid monthly to the payoff amount which was {$2000.00}.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of a dent they claim I owe. XXXX XXXX did not send me verification of the debt that they were attempting to collect in their response letter. However, on XX/XX/XXXX I received an alert on my XXXX  report stating that my address has been updated to a CA address. Upon further investigation it was found that XXXX XXXX had made the update to my file. I have never lived in CA, nor do I plan to move there. If I had not caught this error, XXXX XXXX would have been able to claim that they were sending me correspondence to this address and I just didn't respond, which in turn could have resulted in my owing the debt by default I suppose. Therefore, I'm positive that their adding this address was a violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  pulled a HARD inquiry without my consent, XXXX of XXXX they had my consent bur in their harassment of me they keep pulling hard inquiries damaging my credit.
Product: Student loan

I've called NAVIENT, and soon after I ask a question, the customer service representative hung up on me. -- I recognize your agency does not care about this, but I do. Since I feel NAVIENT is already not addressing my needs, having its customer service agent hang up on me adds insult to injury.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in viola<on of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge O : XX/XX/year> Amount : {$170.00} Under the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my report. 

I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. 
Please provide me with a written explanation of the results of your re- investigation and action taken to rectify the inaccuracies. 

I expect a prompt response within the required 30-day timeframe as mandated by law. Failure to comply with the Fair Credit Reporting Act may result in further action being taken. 

Thank you for your attention to this matter. I look forward to a timely resolution and the removal of the inaccurate account information from my credit report. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit reporting agencies have been submitting false information entirely. As of XX/XX/year>2024, I noticed discrepancies throughout my report. Inaccurate reported has been posted to my account. As I scroll through each account, there are plenty inaccuracies that can not possibly be considered me, such as : address, account balance, phone numbers, and some reports are blank. 

Some of these accounts have been reported in the past, but I never took the time to actually get a copy of my credit report. Documentation such as debt verification and validations have all been mailed through certified mail with a return to sender receipt and nothing has yet to be removed. 

Imaging seeing opportunities that you are ineligible for due to inaccurate documentation. I deserve better, but instead inquiries can pile up if you ever need assistance. Imagine having accounts proven not belonging to you or being inaccurate ; it starts a XXXX and paying debts not needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2022 and I check my emails everyday and today I received an email saying I applied for an avant credit card when I know I did not iam trying to fix my credit not add more to it I seen on my XXXX account that different individuals are usen my information from me using unsecured sites I wrote avant and they have not got back to me I contacted numerous sites that has used my social security number and I'd number and they don't even live in the same state as me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/21 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 60 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  and XXXX  you have given me.
Product: Credit reporting

its Equifax again. i had student loans with XXXX that i made a complaint with the CFPB a few months ago. After my complaint was finished with XXXX, they reported the corrections to the CRA 's XXXX and Equifax. i looked on my credit report a week later and both XXXX and EQ had updated with the correct info on my XXXX XXXX accounts. a month or so later i looked at my credit report again and XXXX had he same corrected information listed yet when i looked a my EQ report the old wrong information was reinserted back on my file. i called about this but nothing was done. Being a disabld veteran im continually exhausted with all the corrections i have to fight with EQ. they need to be fined or sued. ive called a few times, but always get overseas call center that do nothing. the XXXX XXXX accounts were updated because my student loans were forgiven. because of being XXXX. EQ needs to reinsrt the correct info on these accounts. the latest status is paid as agreed. Im sure i will get the runaround because EQ always does they will say that they will dispute with XXXX. im not disputing XXXX its EQUIFAX. EQUIFAX IS THE PROBLEM. IF THEY DO NOT CORRECT THIS IN TEN DAYS I WILL SUE THEM FOR CONTINUALLY REPORTING FALSE INFO THAT THEY KNOW IS INCORRECT. IM SICK OF IT!!!!!!! 

Also when you dispute an account with EQ they leave in the remarks that consumer disputes account resolution forever and never takes it off the report. So if you disputed something last year its still on your report as being disputed. this is problem when buying a house because the lender does not know if the account is being disputed or not. im trying to buy a house. EQUIFAX DOES NOT CARE THEY DO WHAT THEY WANT. THE OTHER CRA 'S ARE FINE BUT EQ IS ONE OF THE WORST COMPANIES IVE EVER DEALT WITH. i also have some documents to upload that shows the corrected report then back to the old wrong report
Product: Debt collection

I was contacted by National Credit System from XX/XX/2019 to XX/XX/2019 in attempt to collect a debt of {$2000.00} from XX/XX/XXXX and was told if I didn't pay, this will be put back on my credit, after it was disputed and removed off last year. I also was told that my credit would be damaged and I wouldn't not be able to own a home or rent anything.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Reported on Credit Reports Account # XXXX XXXX I formally wrote to dispute inaccurate information being reported on my credit file by Progressive under my rights afforded by the Fair Credit Reporting Act ( FCRA ). The first letter is to Experian Upon reviewing my credit reports from XXXX, XXXX, and TransUnion, I discovered that the above-referenced account is inaccurately reported as an open collection/charge-off with a past-due balance of {$270.00}. This reporting is incorrect and violates FCRA XXXXection 15 USC 1681e ( b ), which mandates that credit reports must ensure maximum possible accuracy.

I have taken the necessary step of sending certified dispute letters to all three credit bureaus to address this matter. I am also requesting that you investigate this issue promptly and take corrective action to ensure that the information reported to the credit bureaus is accurate.

As part of this investigation, I request the following : Verification of the account 's current status with supporting documentation. 
Correction or deletion of the inaccurate information from my credit reports. 
A written confirmation that the necessary corrections have been made or an explanation if further information is required. 
This error is negatively affecting my credit profile, and I kindly ask for your expedited assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Greetings! I am submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.