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

My vehicle was financed through Exeter Finance on XX/XX/XXXX. It was repossessed on XX/XX/XXXX and I retrieved my vehicle out of repossession XXXX of XXXX. My registration was due to renew on XX/XX/XXXX. When I tried to renew my registration, the DMV informed me that Exeter took my name off of the title. I contacted Exeter multiple times starting in XX/XX/XXXX and they told me that I should have received a power of attorney letter right after my repo in XXXX to reinstate my name back on the title. I informed them that I've never received the letter. They said that another POA letter will be sent out but they kept sending the letter to my old address after I told them multiple times what my new address was. 
I finally received the letter around XX/XX/XXXX and sent it right back to them in which they received it the next day. ( This whole time I've been making payments on a car that wasn't legally my own ) They told me that everything should finally be cleared up and I should be able to renew my registration on XX/XX/XXXX. When I reached out to the DMV on that day, they told me that Exeter still didn't put my name on the title. When I called back, Exeter said that they still haven't processed. As of today, XX/XX/XXXX when I called back to check the status, the manager was rude and nasty stating that I shouldn't have had the car repossessed in the first place. ( I lost my job at that time, that's why it happened ) Exeter failed me over and over again, they failed to take accountability for what happened and its been an absolute nightmare without any resolve. As of this moment, the issue haven't been resolved and I am still unable to drive my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX  disputing a late payment on my credit card due to hardships. I asked them to make a goodwill adjustment as my credit balance is XXXX and I am a customer in good faith. They are reluctant to work with me as I have shown good stewardship as a cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, Equifax and XXXX letters to validate the accuracy of four bankruptcies showing up on my credit report. They sent back responses saying that XXXX validated them. I then asked XXXX to verify this information and they responded that they do not report any bankruptcies with me. I also received letters from the two courts stating they did not provide any information to the third party or credit bureaus. I then sent this response to the credit bureaus and they still say they have validated it with XXXX and will not remove it. XXXX consumer # XXXX and Case # XXXX dated XX/XX/2020, shows there is not a bankruptcy on me. I have been going back and forth with the bureaus since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to dispute a Bankruptcy that is appearing on both my XXXX and Experian credit reports. XXXX ( whom both of the CRAs state that they are verifying the information with ) is not listing a Bankruptcy report. XXXX has requested that both Experian and XXXX remove the information from my credit repair. Both CRAs state that they are verifying or certifying the information with the company that reported and they list XXXX. XXXX states to the contrary. 

If the above is not enough, how about the " error '' that's listed stating that my " spouse '' filed the Bankruptcy on my behalf. I have never had a spouse and this error in reporting should be more than sufficient to delete this bankruptcy from my credit report. 

The erroneous reporting is causing continuous financial injury. All documents are attached show the exhaustive measures used to try to resolve this issue with both CRAs, including Metro2 Compliance requests. Both Experian and XXXX fail to adhere to Metro2 compliance requests.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$640.00}
Product: Mortgage

I have one company attempting to foreclose on my home ( XXXX XXXX XXXX XXXX D/B/A XXXX XXXX ), and another ( SHELLPOINT, A division of NewRez ) trying to get me to continue paying them with ongoing mortgage payments, Even though another prior servicer XXXX XXXX XXXX XXXX has already been paid off in full for this loan.
Product: Debt collection

I paid the bill off in full. But its still on my credit reports. I have documents that it is paid. Its to choice recovery
Product: Credit card or prepaid card

ive sent full payment certified mail and return reciept. numerous of times to XXXX XXXX, and payment hasnt been applied to account, furthermoire it remains on my credit report, which hinders me from establishing good history. 

Ive also sent full payments to Capital One, and still nothing happened. im tired of sending payments and these companies arent applying to my account. 

XXXX XXXX XXXX XXXX is the last payment ive made to an organization, and theyve done the same as the others. I want my credit report placed back in good standing and to never do business with them again.
Product: Credit card

I have been discriminated against. The company is violating their own policies & agreements per the Securities Act of 1933 and Consumer Protection Act. According to their own documents they can not determine approvals based on fico or on assumptions of a consumer being able to pay in the future. They took my security without extending me credit and wont return it back to me.
Product: Money transfer, virtual currency, or money service

Coinbase.com is the exchange I used to buy the crypto-currency coin XRP. I stored my coins on coinbase.com and I used the coinbase vault feature to store my coins. I have been trying to withdraw my coins out of the vault, but they are stuck. 
The security feature has me approve my withdrawal through a primary email then secondary email. I click on approve withdrawal and I get sent back to coinbase and nothing happens. My coins don't get withdrawn. 
If I try to make another withdrawal then I get an error code that I have to complete my first withdrawal, even though the withdrawal cancels itself if I don't approve within 48 hours. 
So I am completely stuck and coinbase support isn't responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my permission, mortgage company pulled my credit on XX/XX/2021 to spy who I was going to use beside them, after I told them I didnt want to continue with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove the hard inquiries from Barclay since they denied my credit increases and ran my credit when it should have been a soft pull. I feel I was misdirected or mislead it has impacted my credit score a lot.
Product: Credit reporting or other personal consumer reports

Kind Attn : Office of Consumer Affairs, Equifax I am trying to dispute and view my credit report on your portal, MyEquifax.com and other portals like XXXX and XXXX All are reporting blank Equifax credit reports. 
My username on XXXX is XXXX You have messed up my credit reports, for which I sent disputes. I was monitoring my disputes online, but you decided to make it blank and unavailable to me. This is a malpractice. By what right have you stopped the online access to my own records?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate reporting by credit reporting agencies, which has led to denials of my applications for both home loans and credit cards. I have taken multiple steps to address the inaccuracies, including disputing the information, but the credit reporting agencies have consistently verified the disputed account without rectifying the errors.

Specifically, I have encountered discrepancies concerning an account labeled as " XXXX XXXX XXXX XXXX XXXX' on both XXXX and Experian credit reports. Despite my repeated attempts to rectify the situation, the reported account information remains inconsistent across these bureaus. 

I have disputed the accuracy of this account multiple times and provided evidence to support my claims. However, to my dismay, both XXXX and Experian have responded by stating that the information has been verified and is deemed to meet the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

One of the significant issues is the inconsistency in the " date opened '' field for this account. This inconsistency is not only misleading but also affects the accuracy of my credit history. Furthermore, I have noticed that the debt associated with this account is not being reported consistently across all three major credit bureaus, which further adds to the confusion and inaccuracies in my credit profile. Also the " date closed '' field does not display a date which is illegal according to FCRA guidelines. 

The inaccurate reporting of this account has had significant repercussions on my financial well-being. I have been denied home loan applications and credit card approvals due to the negative impact these inaccuracies have had on my creditworthiness. This situation has caused me immense stress and frustration, as I believe that my creditworthiness is being unfairly compromised by inaccurate information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter to ensure that the credit reporting agencies address these discrepancies appropriately. I urge you to investigate the inconsistencies surrounding the " XXXX XXXX XXXX XXXX XXXX '' account and ensure that the credit reporting agencies uphold their responsibility to report accurate and consistent information. 

I appreciate your attention to this matter and your commitment to protecting consumers ' rights. I hope that through your intervention, the inaccuracies in my credit reports can be rectified promptly, enabling me to pursue my financial goals without unjust hindrances. 

Thank you for your time and consideration. 

XXXX XXXX
Product: Debt collection

Was sent a letter in XXXX dated XX/XX/2017. Stated that my account was referred to branch manager for legal review. That they expected me to pay within 10 days of that date. Otherwise could result in direct garnishment plus legal fees. Please don't make legal handling necessary. I am on XXXX receive $ XXXX  month. This was a scare tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX College in XXXX, CA in XXXX. 
I unexpectantly received an overpayment by my college for my student aid-informing me that I now owe {$950.00}. ( now {$970.00} ) I was a single mom at the time-barely getting by-and health issues. 
I had to stop my studies because I could not pay this. 
It went to collections, I received letters offering lower amounts if I paid in full. 
I noticed on my credit report The Dept Of Education showed up as if I had been making timely monthly payments to them-every month. 
( I never received a loan-I only received the grant ). 
I recently diputed this-as my debt was there already past 7 years-even though it showed paid. 
I disputed with Experian. They denied the dispute. Then I see my credit report now says XXXX and that it will be on record until XXXX! 
I disputed twice afterward with Experian. I also called them as well with my complaint. 
My credit report shows that in XX/XX/XXXX my loan is in collection-when aside from everything else-the Cares Act alone-it should not especially be reported late for the month of XXXX. 
They just keep denying it-so I can be in default with them another 7 years! It shows a charge off-with being late and in collection, presently. 
I now call the number for the Dept Of Education loan default Customer Service ( after so much run around ) -after signing in-the system knew who I was-but wouldn't give me any more information than that. 
So when calling the default number-in order to speak to a rep-it asks me to enter my social security number-then tells me that they can't assist me-then tells me a website address-which says to call them! 
I am beyond frustrated. Because it looks like I have 7 years of a student loan debt-that I just defaulted on in XXXX, XXXX=my credit score dropped so much! 
This is very unethical-as basically they are just trying to start the " loan '' all over again. Please help remove this off of my credit report. 
No one will even speak to me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX repeatedly ignored requests to remove the inaccurate remark for my account in Descriptor # 1 that states " Consumer disputes after resolution ''. I am not have not disputed anything after investigation and have requested that the remark be removed but no one responds. The credit bureaus removed it only for the mortgage company to repeatedly report it each month even though this is false information. It should be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

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

I have an account with XXXX, a XXXX XXXX XXXX and they advertised a credit card with no hard inquiry, thats the only reason I applied and now its an inquiry in my credit. I contacted customer care and they never responded, needless to say it was XXXX XXXX  that ran my credit and I got denied anyway. They lied I have the screen shot that says while they couldnt open a credit account for me, rest assured my credit was not impacted .. but yes it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING FRADULENT ACCOUNT ON MY CREDIT REPORT IT NEEDS TO BE DELETED ASAP CUSTOMER SERVICE IGNORES ME I NEED HELP
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get the credit bureaus to fix my personal information since a year ago, but they are not updating my personal information. I faxed, Called and Sent out letters, they still did not updating anything. Please help me out.
Product: Bank account or service

I opened a bank account with them several years ago. I asked for help by email regarding my account to update and either close it or use it. I have not heard back from them by email or phone as I do recall giving them this information a week ago. That may be why I left them do to lack of communication skills. I never deposited funds in the account that I am aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today, XX/XX/XXXX, I received an alert from Experian, stating that a new account was posted to my credit report, with a COLLECTION status. The collection agency name is Diversified Consultant, I`ve never heard of this company, nor do I OWE them any money. The post stated that I owe them {$300.00} for account # XXXX, a XXXX XXXX account, which supposed to have been opened in XX/XX/XXXX. I did not have a XXXX XXXX account in XXXX or any previous months. Apparently, this is an account which was recently sold by XXXX XXXX XXXX, of which I disputed on XX/XX/XXXX,  thru your agency and was removed /closed on XX/XX/XXXX. And furthermore, I was never given any notice of delinquency by this company. ALSO DIVERSIFIED CONSULTANT HAVE NOT VALIDATED THIS ACCOUNT, BEARING MY SIGNATURE AS REQUIRED BY THE FDCPA CODE SECTION 807-8. I DIDN`T HAVE ANY NOTIFICATION PRIOR TO THE ALERT FROM EXPERIAN, TODAY., WHICH IS ALSO A VIOLATION OF THE FDCPA AND FCRA. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY NOR HAVE I SIGNED ANY CONTRACT WITH THEM.
Product: Debt collection

On XX/XX/XXXX I received a notice of collection from Wakefield and Associated ( acct # XXXX ) in the amount of {$1000.00} indentifying the creditor as XXXX XXXX  XXXX XXXX. 

In calling Wakefield to discern what this collection bill was for, I was informed that this was for medical services provided to me in XXXX. While I have acknowledged that I have received medical services, some of which have been ongoing, I have no invoice, statement, or bill from this specific situation. 

I then called my health insurance company ( XXXX XXXX ) and spoke with a representative ( XXXX ) who said this was most likely from an ambulance ride to the ER that was required. They had not received a finalized bill from the provider and could not determine the amount that I was responsible for or what they would be covering. She said that I needed to contact them once I had received the bill and they could advise on how much I should be paying out of pocket. 

We attempted to call XXXX XXXX XXXX and request the invoice be sent to us directly or to the insurance company and advised I would not be paying any amount until I had an invoice from them for the services. They promised to send that to us on XX/XX/XXXX and on XX/XX/XXXX we still have not seen any invoice. I contacted my insurance company and they also have not seen any invoice. 

I called and spoke with XXXX at the XXXX  XXXX today ( XX/XX/XXXX ) and she advised me that they could in fact, not provide me with a copy of the invoice any longer as it was moved to the collections group. She verified the amount for me ... .. But she said there were multiple attempts to send to my address, and I confimed my address, yet I have not received any of these notices. I requested today if she would be able to email me a copy of the invoice and again was told no. 

She advised I would need to contact the collections group. I told her that we had already contacted them and they also were not able to furnish a copy of the invoice, only the total. At this point, I am planning on paying the amount as I believe I owe and I have very good credit and do not wish for this to be a continued problem. That said, the inability for either the original billing party to provide an invoice to match the payment due or of the collections companny to furnish same, is concerning and frankly I don't see how that practice should be allowed as there is zero protection for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the numerous times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 I mailed out letters to all 3 credit bureaus that prompted them to respond within 30 days. Inside the letter was proof that there is incorrect information being reported on my profile and a request to have deleted if not validated within the legal time limit. 

On XX/XX/2022, I mailed out letters to all 3 bureaus stating that I did not receive a response and again to remove the error and incorrect information being reported. 

This is BEYOND the time frame allowed for them to respond, this is devastating to my credit profile and is preventing me from purchases.