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

Hi I am having problems With my loan car payment with XXXX XXXX I get confused With my loan payment when I get the new car from XXXX XXXX  I told to set up for me with Auto payment first couple months was ok after I lost my bank card and I get new replacement card i called XXXX to set up for auto payment my new bank card they Told me that they can do that because is not theyre poulice to set auto payment after I told them I am a XXXX person and I am not good setting up auto payment by myself and I will forget making payment on the phone because I have problem remembering after they refused to set up auto payment and then I start missing some payment and sometimes they call me and I am worry about to give my information to the wrong people scams then they start charging me late payment {$400.00} hundred dollar every time I missed my car payment I can afford that much late payment {$400.00} dollars and my intrest is very high can anybody help me because they destroy my credit they make my life very difficult I have another credit I never missed one time payment
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number has been compromised and there has been several accounts opened under my name and social since XX/XX/2022. Theres a XXXX XXXX, XXXX XXXX and XXXX XXXX  credit card under the social security number provided to me for which is fraudulent and needs to be removed from my credit report. Someone has been using my name, social and address and Ive been in the hospital since XX/XX/2022.
Product: Mortgage

This email is being sent with the hope of resolving a major issue that we currently have with a XXXX XXXX XXXX Back in XXXX of this year we ordered a new home through the XXXX XXXX XXXXXXXX. We placed an order for a home direct from the factory in XX/XX/2021. The home was delivered to the dealership at the beginning of XX/XX/2021. Both ourselves and our general contractor made it clear to this dealership that our property was not ready for delivery and set up. However the dealership went ahead and delivered the new home on our property XXXX of XXXX and it has been parked there ever since. It was only blocked up and left due to the fact that none of the utilities were available to be hooked up to yet. Just this past week our general contractor finally got clearance to install a sewer system. Just a few days ago Vanderbilt Mortgage called us and told us our mortgage is already due. We explained to him that the house is only parked on our property and that no installation has been done. Vanderbilt Mortgage then told us they were told by the dealership that the house was transported and ready back on XX/XX/XXXX, which was a obvious lie. The house is just sitting on our property. We were told by the dealership that once the house was completed and ready to move into, our mortgage payments would come 2 months later. The reason we chose to have a XXXXXXXX XXXX is because I work for a company that has purchased many of these homes. They are very high quality and well built homes. However this dealership has lied to us. They made the promise that once our home was ready and that we took the keys, the first mortgage payment would not be there until 2 months later. Now we're paying two mortgages because our current house is not sold yet and our new home is not anywhere near being ready to live in yet. Let me make it quite clear both I and our general contractor made it clear to the dealership our land was not ready for that home and we told the dealership to keep it there at their lot until our lot was ready. However Vanderbilt Mortgage has been told that the house was moved, set up and ready on the XXXX of XXXX. It would appear the dealership was in a rush to get it off their lot so they could have funds in their account. This is an obvious breach of our agreement with the dealership. We are wishing for your immediate attention into this situation. Again I must emphasize that we still have faith that this is a quality home but it's not in our possession yet so why are we paying for it already? It also must be noted we don't even have the keys or any access to this home. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds 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. Futhermore, XXXX  actions contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal Law and provides consumers with necessary proof of investigation. 
XXXX XXXX which is showing as negative on my report in the amount of {$1200.00}. 
I have disputed this is inaccurate and I was never made aware of this.
Product: Credit reporting

I tried to apply for a credit dispute and could not even see my report because when asked about possible loans on my report, I had no information of them and no memory of getting a loan. I 'm XXXX and it said that there were loans as old as 2011 that I had no idea about onb my report that I ca n't see.
Product: Debt collection

I received a notice that my wages were going to be garnished ( from my employer who was served at his residential home! ) I called a credit counselor immediately after learning of the garnishment ( I had no idea where to start ). I was told only thing I could do was try to work out a payment plan. I called the office suing me.. I was told the garnishment had already gone through and there was nothing I could do ( they would garnish 25 % of my wages and thats that ). I explained this was the first time I was hearing about it and that I hadnt even lived in the state for the last few years and hadnt lived at that address for a lot longer.. they refused to work with me. So I reached out to the creditor, let them know I didnt recognize the debt, hadnt received paperwork, and was able to sign on to an account that had actual papers I could see pertaining to the account! Thats when I got really mad!! I have no recollection of the debt, the charges, and I feel like the creditor shouldve never opened this card because it wasnt me! There are charges from out of state that make no sense ( impossible for me to have purchased! ) Due to not knowing about this at all, I never had a chance to fight this! And they are already garnishing my wages.. I thought I had no other course of action but to let it happen. I am putting in a complaint here, I dont want this to happen to someone else because I didnt say anything.
Product: Credit card or prepaid card

A charge was made on a credit account that was already closed for inactivity. When I got the bill I sent letters advising the financial institution that the charge was fraudulent. 
The institution continued sending letters and masking phone calls and totally ignoring the letters regarding the fraudulent transaction and the billing on a closed account. 
When speaking with them on the phone they would tell me I had to report it to the fraud department. Then I would be put on old for long periods of time. 
They ae continuing to send bills and make phone calls. 

In an agreement reached by phone with their representative I paid the initial charge of {$99.00} to resolve the issue and close the account. I made that payment but the Commerce Bank is still sending me bills and calling me. 

I have never been successful in reaching their fraud department. Written communication will not reach them and when I'm transferred on a all I get put on hold and never get to talk to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # 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 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5400.00}
Product: Credit reporting or other personal consumer reports

rights. 


In accordance with The Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX # : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Reference # : XXXX Account Name : XXXXXXXX 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 Section 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter via certified mail to experian on XX/XX/2021 in reference to addresses that I never lived at, phone numbers that are not mine, and employers I have never worked at are reporting on my credit file. It has been over 30 days and I have not received any correspondence from experian in regards to removing this incorrect personal information. According to the FCRA after 30 days with no response items must be removed from my credit file.
Product: Debt collection

The date I received the letter was on XX/XX/2018 from Phoenix Financial Services.

The amount this company says I owe is XXXX.

It shows that Phoenix Financial bought the around from XXXX XXXX XXXX. I don't know who they are either.

Why are they contacting me and I'm not sure if my identity was stolen. Please assist.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding my inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C SS XXXX which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C SSSS XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB federal law and provides consumers with the necessary proof of investigation. These are the accounted that I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple accounts on my credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
After reviewing my credit report, I identified the following unauthorized accounts : Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : $ XXXX Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Status : Account charged off. {$12000.00} written off. {$4800.00} past due as of XX/XX/XXXX. Amount Past Due : {$12000.00} Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Status : Paid, Closed. {$470.00} written off. Amount Past Due : {$300.00} INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX INCORRECT XXXX : MADE IN XXXX XXXX XXXX These accounts were opened without my knowledge or consent, and I request that they be investigated and removed in accordance with the FCRA, specifically 15 U.S.C . 1681c-2, which provides for the removal of fraudulent entries. I am also entitled to a timely investigation, as outlined in 15 U.S.C. 1681i, which requires a response within 30 days of this request.
Product: Debt collection

Mid XXXX i went through a divorce and during that process debt was divided. This credit was to be paid by my ex partner. I attempted to resolve this issue once i was able to get a full time job towards the end of XXXX which shortly after was affected by covid.
Product: Credit reporting or other personal consumer reports

I submit this complaint today to notify you that I have been a victim of identity theft. Upon researching the process to remove fraudulent items from my report, I discovered that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file an identity theft report. As per FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. Enclosed are the documents to assist in the removal of erroneous information currently posted on my report. The following is a list of items that do not belong to me or were opened without my permission : -- -- -- -- -- -- -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 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 According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to investigate my dispute of false information reported on my consumer profile. I have sent written notices disputing both the debt with the original creditor ( XXXX XXXX XXXX  ) as well as the collection agency who has purchased the debt ( XXXX XXXX XXXX  ). I do not owe either the original creditor or the collection agency who has been attempting to collect this debt from me. The original account was not authorized by me and when I filed disputes the Credit Bureaus did nothing, eventually the account charged off and now the collection agency is ruining my credit history by reporting this information. Furthermore, the credit Bureaus were notified of this dispute, but my account remains unmarked with any dispute status. This is a violation of my consumer rights under the FCRA and FCDPA. I have the right to an accurate and true credit profile. My complaint is against the Credit Bureaus for their failure to investigate. I have filed additional complaints with the FTC, see attachment for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I made 99 payments to the Santander Company of {$290.00} a month. The sale price for the car was XXXX. Paid {$29000.00} at which Santander said 55 % went towards interest. 
In approximately XX/XX/2011 they repossessed the car a XXXX. Received no communication until now. Have no idea how much they sold the car for. Recently we checked my credit and they charged it off and they say I owe them {$6000.00}. How can that be when I paid them {$29000.00}? I need for them to at least take the negative comments off of my credit reports. I believe that paying over 55 % interest is illegal. I would advise anyone not to get a loan with Santander. They say they will clear my credit if I settle with them for {$2100.00}. Can you believe this?
Product: Debt collection

On XX/XX/XXXX this debt was opened and put on my credit report for {$5400.00}. Thus us not my debt I was given a document from the original creditor with a {$0.00} balance XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} Which are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting or other personal consumer reports

Subject : Request for Thorough Review of Credit File and Addressing Inconsistencies Dear Credit Bureaus, I am writing to request a thorough review of my credit file and address inconsistencies that I have identified in the information reported. I have previously requested verification of the information, and although you have confirmed its accuracy, upon further examination, I have discovered several discrepancies that need to be addressed. 

One major concern is the inconsistency in my addresses. I have noticed that there are multiple addresses listed on each of the credit reports, none of which are consistent with my actual residential history. I have only lived in XXXX different places throughout my entire life. Firstly, I resided at XXXX XXXX XXXX XXXX until I was around XXXX XXXX XXXX. Then, I lived at the XXXX XXXX from the age of XXXX until I was about XXXX. Currently, I reside at XXXX XXXX XXXX XXXX XXXX XXXX, as I have recently moved. It is crucial that my credit file accurately reflects these addresses [ [ 5 ] ] Furthermore, I have observed discrepancies in the reported dates and amounts associated with certain credit-related information. It is imperative that these inconsistencies are thoroughly reviewed and corrected as necessary. The dates and amounts should align with the accurate and verifiable data to ensure the integrity of my credit file [ [ 1 ] ] According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to maintain accurate and up-to-date consumer credit information. Section 605 ( b ) of the FCRA outlines the requirements for the disclosure of adverse information, including the dates, original payees, and amounts of any checks that form the basis of any adverse characterization of the consumer [ [ 1 ] ] Additionally, Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that consumers have the right to request a thorough investigation of their credit file and have any inaccuracies corrected [ [ 3 ] ] I kindly request that you conduct a comprehensive and meticulous review of my credit file, addressing the inconsistencies in addresses, dates, and amounts as mentioned above. Please ensure that all the information reported accurately reflects my true residential history and financial transactions. I also request that you provide a written response detailing the steps taken to investigate and rectify the identified discrepancies within the timeframe mandated by the FCRA [ [ XXXX ] ] Thank you for your prompt attention to this matter. I look forward to a thorough review of my credit file and the subsequent correction of any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Capital One requested a hard inquiry of my XXXX and XXXX credit reports on XX/XX/year> and they were given. However I did not try to apply for a credit card, loan, etc. with Capital One so I believe someone else did with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}