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

I had a loan for a XX/XX/XXXX XXXX XXXX that had multiple issues with the transmission. I had the car repaired multiple times under the recall that was issued. The car would automatically downshift into first gear when while traveling and often on the highway. This almost caused an accident more than once. The car was not safe to drive. 

I went to the XXXX XXXX XXXX dealership where they replaced the transmission twice, serviced it at least twice with computer updates and so on but the problem persisted. The service manager continuously fought with me about the car and kept refusing to fix it. He told me that the car had already been fixed and that the campaign was expired due to having 100k miles on it. I showed him the letter that XXXX sent to me and he still continued to argue with me. He made me call the XXXX hotline where he got into a heated argument with the woman on the phone who told him that the car was still covered and that they had to fix it. 

He begrudgingly ordered the parts and said that it would take 4-6 weeks to get them because I was now on the bottom of the waiting list. During that time I had a XX/XX/XXXX and was unable to drive. I called and explained that I was trying to work out a way to get the car to him. He gave my parts away to another customer and after trying to work with him I got no where. 

I tried to trade in the vehicle to another dealership ( XXXX XXXX ) and after them test driving it they said there was something seriously wrong with it and there was nothing they could do for me. 

I needed a safe vehicle to drive and since I couldn't get any where with anyone on this XXXX, I told the bank to come get it because I couldn't afford to pay for 2 vehicles. 

The car is still tied up in a class action lawsuit with XXXX XXXX.  However, the car is still damaging my credit and I need to get this resolved.
Product: Debt collection

IC System is trying to collect on an account that has been paid directly to the creditor ( XXXX ). I have no business dealings with this collection company. I had never received any correspondence with IC System until I started disputing their claim and received a letter after my attempt to dispute with the Bureau 's. I have not given a company above written consent to contact connection with the collection of any debt. I have no known relationship with the company I. C System in regards to a XXXX account. They are trying collect on a debt not owed to them whatsoever.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I AM WRITING TO REQUEST VALIDATION OF THE DEBT REFERENCED ON CREDIT REPORT AND YOUR LETTER DATED XX/XX/XXXX, WHICH I RECEIVED ON XX/XX/XXXX. UNDER THE FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ), I HAVE THE RIGHT TO REQUEST PROOF THAT I AM RESPONSIBLE FOR THE DEBT YOU ARE ATTEMPTING TO COLLECT. 

FIRST PROGRESS XXXX {$240.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1800.00}. IN ACCORDANCE WITH THE FDCPA PLEASE CEASE ANY COLLECTION ACTIVITIES UNTIL YOU HAVE PROVIDED PROPER VALIDATION OF THIS DEBT. 

I INFORMED CREDIT BUREAUS OF IDENTITY THEFT VIA PHONE AND REQUESTED THE CONTRACTUAL OBLIGATION TO THESE ACCOUNTS TO VERIFY MY SIGNATURE. I ALSO DISPUTED THESE ACCOUNTS WITH EXPERIAN AND XXXX MULTIPLE TIMES AFTER MULTIPLE DENIALS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reported that credit acceptance reported delinquent payments knowing that the title holder XXXX XXXX XXXX XXXX XXXX XX/XX/2020 and the car was in the process of a total loss claim. I couldnt do anything because I didnt have title account information or anything. Credit acceptance agreed to remove the negative information on my credit report and as of today it remains. All money that was owed after insurance claim was paid to credit acceptance
Product: Debt collection

I have received several calls from XXXX, on behalf XXXX, regarding a student loan that I cosigned on behalf of a younger sibling. They had called several times throughout the day and weeks from various numbers including ( XXXX ) XXXX. 

When I finally answered, XXXX, the first representative, didnt identify herself or the agency. Instead, she began to ask me for my ssn. I asked for information before providing any personal info and eventually felt comfortable enough to provide the last 4 digits of my ssn. XXXX indicated that there was an opportunity to remove my name from the loan altogether through a settlement of about {$8000.00}. When I asked for written documentation regarding that settlement she refused to send anything in the mail or by email. 

After several requests to send written documentation of the settlement offer by email or mail, the representative indicated that failure to pay would have implications on my mortgage and other financial obligations. At that point, I explained to her that I understand my rights under state and federal law and that I believe her communication was inappropriate and may be in violation of those rights. 

The representative continued to speak over me and would not listen. She refused to provide any written documentation to me. The representative continued to indicate that certain actions will be taken if I had not provided payment account information to preserve the settlement offer. 

Once again, I asked her to provide written documentation regarding the settlement offer and possible payment plan but she refused. At that point, I told her that because she could not provide any additional written information I would hang up and would file a complaint. 

Within about an 1hr, I called the number again to get the full name of the representative and a mailing address. The second representative, XXXX, told me that she had no record of my previous call. When I pressed her for information, she said that she overheard the call. Because she lied about the recording of the previous call, I ended the call. 

I do want to remove my name as co-signer of the loan and, depending on the terms and other factors, am willing to enter into a settlement and/or payment plan. But the representatives withheld information, made threats, and several misrepresentations. These calls were around XXXX and XXXX on XX/XX/2018. 

So I am filling a complaint but would also like some guidance. My contact information is above. 

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

SATURDAY XX/XX/2019. 

I HAVE REQUESTED MY ANNUAL CREDIT REPORT SEVERAL TIMES AND XXXX   IS THE ONLY AGENCY THAT RESPONDS, ( SO I MUST BE DOING SOMETHING RIGHT ) NOT EQUIFAX AND NOT XXXX 

THE LAST TIME I REQUESTED MY REPORT WAS VIA THE XXXX NUMBER FOR REQUESTING REPORTS ON ( XX/XX/XXXX ). XXXX RESPONDED SAYING THEY HAD ALREADY SENT ME MY YEARLY REPORT AND THAT IS CORRECT, ITS THE OTHER TWO AGENCIES WHO HAVE NEVER REPONDED.
Product: Credit reporting

Bankruptcy was removed from credit report and then reinstated without my knowledge and Equifax did not send me out any notice before attempting to reinstate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX Account # XXXX has XXXX XXXX XXXX Account # XXXX violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have made contact with National Credit Adjusters several times about the reported debt in my credit files. On XX/XX/2018 National Credit Adjusters agreed to remove this debt from all of my credit reports. It is now XX/XX/2018 and the debt still remains on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was compromised. I can't do nothing with my credit because somebody stole my Identity. I have attached all my documents. My ID, Social, and filed a report with the FTC. I have listed more accounts that are fraudulent due to the fact that the FTC only lets you put 5 which I have more than. I would appreciate if you remove this fraudulent information on my report immediately. XXXX  Bless you and your family in these horrid times. I have one life to live. I don't want to waste time moving on with my life because somebody stole my Identity. I hope you understand. This is not the first time is submitted a complaint to Experian. They are playing with me saying that I am not the one and I'm a credit repair company which I'm XXXX not. Help Me CFPB!
Product: Mortgage

Dear CFPB, I am tired and sick of Fay Servicing playing games with my home as well as my family, for the past 8 months now Fay Servicing made me apply for a loan modification over 6 times. 
Every single time that i get assigned to a representative all they keep telling me is that because of my history the investor of the loan feels that i do not deserve a loan modification. 

keep in mind this is one of those bad loans that Fay Servicing issued from the last recession which it was an adjustable rate with minimum payment and an outrageous interest rate of almost 7 %. 

After 5 months waiting for Fay Servicing to finally listen to my request, Fay Servicing assigned a representative by the name of XXXX XXXX phone number XXXX who first told me based on her review i still didnt deserve a loan modification and it was better for me to loose the house. 

XXXX XXXX phone number XXXX made me so up set since i had never missed a payment until this economic hardship began and it was not fair for hero to tell me i didnt deserve to keep my home. 

i requested for her manager which never returned my call but 2 weeks later i received a loan modification agreement showing an approval of a higher mortgage payment almost 3 times higher that what i used to pay plus only for 3 months. 

So i reached out Fay Servicing - XXXX XXXX phone number XXXX who told me that i was lucky to get that approval since my investor still didn't believe i deserve to keep my house. i told Fay Servicing - XXXX XXXX phone number XXXX that i didn't appreciate it her opinion since i was the one paying the mortgage and she had no knowledge how hard i worked to buy this home. 

After numerous calls and messages to the manager of Fay Servicing - XXXX XXXX phone number XXXX finally got a hold of XXXX XXXX XXXX XXXX. XXXX who told me that if i wanted help to keep my home ill have to resubmit all of my documents all over again. 

So i did i faxed and email all my documents all over again, after almost 2 months XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX told me that because my application showed that i was affected due to the current economic pandemic. the investor of my loan approved a deferral for only 1 month yes you heard right only 1 month. 

Again i asked for the manager Fay Servicing - Manager XXXX XXXX phone number. XXXX who never even bother to return my call about this concerning outcome. 


i feel that XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX keep playing with my home so i can just walked away and loose my home. 

this is not fair that XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX keep telling that i do not deserve to keep my home. it is ridiculous for them to even judge me because of background and race. 

please help me, all im asking is for help to keep my home.
Product: Debt collection

Just yesterday, I had seven calls during the day from Ally Auto. Yes, I understand I owe a payment. You have left me a voicemail message. I will respond to it if I stop getting six other calls throughout the day. They change the phone number they are calling from, but it is the same company. Today, I have had five already. On Sunday, they started calling at XXXX On a Sunday. Call one time per day, leave a message. That is how fair collection is supposed to work. Not harassing someone with more than 15 calls in less than 72 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 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: Credit reporting or other personal consumer reports

I am writing to dispute the presence of an account on my credit report, specifically with reference to Capital One, Account Number : XXXX. The details of this account are as follows : XXXX : Account # : XXXX Account Type : Revolving account Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$4000.00} Credit Limit : {$3800.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account # : XXXX Account Type : Credit Card Account Status : Closed Date Opened : XX/XX/XXXX Balance : - High Credit : {$4000.00} Credit Limit : {$3800.00} Payment Status : Paid, was past due 60 days Last Reported : XX/XX/XXXX XXXX : Account # : XXXX Account Type : Revolving Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$4000.00} Credit Limit : {$3800.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I am disputing the presence of this account on my credit report because it has been paid and closed. As per my records and the information provided in the credit report, the account was settled and closed by my request. However, the report suggests a discrepancy in the status, implying that the dispute investigation was completed, whereas I maintain that the issue remains unresolved. 

Additionally, there is a consumer statement indicating that the account is in dispute. I request that this statement be removed as the account has been settled, and there is no ongoing dispute regarding its status. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Mortgage

Our loan originated in XXXX then we had difficulty paying and went in foreclosure XXXX XXXX. 
We fought and won the case and it was dismissed XXXX XXXX and an adjustment to the terms was made XXXX XXXX. Then we filed chapter XXXX bankruptcy in XXXX XXXX and was discharged XXXX XXXX, XXXX with a legitimate reaffirmation agreement and it lists specific terms of repayment. In XXXX we were told that we were delinquent on our payment when I had just made the monthly payment. I went through several days of this and finally was told that we owed {$36.00} principle and that none of our payments was being applied to the final payment due to deferred interest on the account. Until XXXX XXXX no payments were reported on the three credit bureaus then 3 payments were reported as on time then XXXX XXXX through XXXX XXXX it shows that no payments were made making us 150 days past due. We made a settlement payment on the deferred interest of {$6000.00} and they lost the check. I have emails from a rep stating as much as well as a delivery confirmation. So no payment was made in XXXX XXXX due to it being lost. I feel that we should not have had the deferred interest due to the reaffirmation agreement. I do admit to being late on payments over the years but I always got caught up. The added interest should not have added up to {$10000.00} which I believe is the interest that accrued during the foreclosuretime. Also after the affirmation the company said that my name was not listed on this loan and it is clearly on the original document the adjustment that was made prior to the foreclosure dismissal and the reaffirmation agreement. They would not talk to me about this loan for several months until we lost our home to a fire in XXXX. We could have negotiated a settlement in XXXX even though I am sure that we did not owe this deferred interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. On XX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. OnXX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... XXXX, XXXX, Equifax, XXXXXXXX XXXX removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of Investigation. 

This are the account that I've marked as inaccurate : XXXX XXXX Pro Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - SummaryEquifaxXXXX Last Updated Equifax XXXX Pays account as agreed XXXX XXXX, Paid or paying as agreed XXXX Payment Status Current account/was delinquent 60 days past due date XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - closed - SummaryEquifaxXXXX XXXX XXXXed Equifax XXXX, Pays account as agreed XXXX XXXX, Paid or XXXX as agreed XXXX  XXXX Paid account/was delinquent 90 days past due datePayment XXXX  Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Accounts - negative accounts - SummaryEquifaxXXXX  Last Updated XXXX, Pays account as agreed XXXX XXXX, Paid or paying as agreed XXXX XXXX Current account/was 30 days past due date XXXX times XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Accounts - XXXX accounts - SummaryEquifaxXXXX  Last Updated Equifax XXXX, Pays account as agreed XXXX XXXX XXXX XXXX XXXX XXXX as agreed XXXX XXXX Current account/was 30 days past due date XXXX times Credit Inquiries Credit Inquiries XXXX SummaryEquifaxXXXX XX/XX/year>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

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and  Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.