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

Exeter Finance LLC forged my signature on the Truth in Lending Disclosures. I received in the mail. My name is XXXX XXXX XXXX. 

I never signed or agreed to nothing on the Truth in Lending Disclosures. 

XX/XX/XXXX  I requested the TILA information in person with the Finance Manager. 

Now Exeter Finance LLC has forged a signature of XXXX XXXX and I never saw this contract about TILA. 

I always sign any documents with my government issued ID name XXXX XXXX XXXX.
Product: Student loan

I received and completed the loan discharge because of the predatory nature of the school and all accounts of pressure for loans and false claims the school had. I provided copious documentation on the school including personal documents and got back a denial with no actual reason for the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. these hare inquiries are hurting me for getting approved. i already reached out to the credit bureaus about this multiple times they keep violation my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have no purpose to be on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 the IRS deposited my XXXX XXXX XXXX to the wrong checking account. I did not provide the account number to the IRS that was used to send the money to. The IRS previously deposited my first XXXX to the correct account. I requested the IRS research my payment because I never received it, and they provided me with an account number for a checking account at USAA that I am not a signer on and do not have ownership of. I contacted USAA to have them research the payment and provided them the account number to which the payment was deposited via the XXXX clearinghouse network. USAA confirmed that I am not a signer or owner of the account and that the payment was credited to this account ( account # XXXX ). USAA initiated a formal internal investigation and despite knowing that the payment was credited to the incorrect account, responded to me with a letter saying they were unable to correct the error. XXXX rules of XXXX transactions require that the sender include the name of the beneficiary. Even though the receiving institution is not required to manually verify the name at the time of posting, when USAA was investigating my dispute, they should be able to see that the payment is for my benefit and that my name is attached to it, as well as being able to see that I am not associated with the account the payment was deposited to. USAA however refuses to correct this error and credit my account in accordance with the XXXX rules and the original intent of the credit request from the IRS.
Product: Credit reporting or other personal consumer reports

I have inaccurate debt on my TransUnion account that is only on Transunion and not on XXXX nor XXXX which is clearly violating the f.c.r.a 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. I dont have XXXX  XXXX account I have previously asked for the original contract with my signature validating that this is my debt which hasnt been given to me in a timely fashion. I have also contacted the XXXX  about this situation.XXXX  XXXX XXXX  the company has sent letters stating the debt is validated however, I have not got a diagnostics or explanation to how the investigation was had to get this determined. They are also violating my right with the f.c.r.a 15 U.S. Code 1681i that states item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller so i need these items temoved immediatly thanks in advance
Product: Debt collection

XX/XX/XXXX : -Contacted Zwicker and informed them of the 7 months previous company XXXX refused to accommodate me. Informed them of my needs and desire to take action against XXXX to remove inappropriate derogatory marks on my credit report. 
XX/XX/XXXX : -Received info on account via snail mail. Couldn't log in using the account number and sent a follow up email with a screenshot of the error asking for assistance. 
XX/XX/XXXX : -Asked again via email for assistance to address my outstanding debt. 
-Received email back with the note that the debt was sold to another creditor, with an offer to provide more info but no actual info and no explanation for them ignoring me for 3 months. My guess is that they knew XXXX wildly violated the XXXX and they didn't want anything to do with that. However, they still denied me accessible communications the entire time they were involved. 

Meanwhile, this ENTIRE time, I've had the money to pay off the full amount. I have just been continuously and repeatedly denied basic accessibility. This wasn't an issue when XXXX XXXX was servicing the loan themselves. I purposely tested their site for accessibility before choosing them for my personal loan.
Product: Credit card or prepaid card

Opened Bank of America secured card in branch XX/XX/XXXX and put down {$99.00} deposit ; was told by employee opening account that the deposit would be returned and the account would become unsecured no later than XX/XX/XXXX. Account has since remained secured and deposit had yet to be returned to me. Despite multiple attempts to get the issue resolved ( including in person at branch, via the app, and over the phone ), customer service continues to tell me theres nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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

This complaint serves as a follow up request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 -- -- -- -- -- -- TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Please see CFPB complaint XXXX which has been closed and still unresolved with Ditech. The letter that you received from Ditech is a total lie. I have received NOTHING from Ditech except 2 certified collection letters on XX/XX/2019 and 2 of the same in direct mail threatening foreclosure. They HAVE NOT posted my {$15000.00} as a payoff and still show that I owe over {$12000.00} as a balance on the account with them. They have stolen from me for 19 years including collecting mobile home insurance payments that they did not forward to my insurance company and that I again had to come out of pocket to pay to keep my insurance from lapsing. I have my payment history from my insurance company and DItech showing that they collected ins. payments for a year and 4  months and did not pay my insurance with it. The title that they sent to you IS NOT released and these papers that they sent to you are JUST COPIES of my original contract and NOTHING more. They refuse to talk to me and have NEVER tried to to the right thing regarding this settlement agreement. THEY STILL are fraudulent pulling the wool over your eyes as they have always done to me and many many others customers who are filing suit against them as well. The whole company is nothing more then a bunch of crooks who has stolen my life savings from me this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a home loan with ( LAKEVIEW LOAN SERVICING LLC ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. 
this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from lakeview and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. 
letter hence attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The data breach by Equifax was known to them since at least XX/XX/XXXX.  No one has been informed of such a terrible breach until TODAY! Equifax is also making individuals check to see if their information may have been stolen, and in said signing up with Equifax are making us waive our rights to legal arbitration. There MUST be better security on their end along with reparations for those of us whose lives and credit may now be shattered! The usage of another website NOT even sub-domained by Equifax to check to see if we have been possibly breached is shady, and can, probably will be duplicated to con even more people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open credit card account with XXXX XXXX XXXX and I have not been late on payments on this credit card ever since I applied for it on XXXX of XXXX. On XXXX of XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, XXXX XXXX XXXX XXXX XXXX XXXX have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, XXXX XXXX XXXX have decided to close the account on XXXX of XXXX. 
On XX/XX/XXXX, I reached an agreement with XXXX XXXX XXXX to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. XXXX XXXX XXXX did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

SADLY, ONCE AGAIN EQUIFAX DID NOT FULFILL THEIR FCRA 611, 15 U.S.C.1681i, REQUIREMENTS FOR REINSERTION OF PREVIOUSLY DELETED MATERIAL, SEE BELOW EXPLANATION : XXXX XXXX  XXXX # XXXX : THIS ACCOUNT WAS REMOVED ON XX/XX/2021, by EQUIFAX XXXX BUT THEN REINSERTED WITHOUT GIVING ME A 5 DAY NOTIFICATION OF REINSERTION AND WITHOUT FURNISHING PROOF OF CERTIFICATION OF INFORMATION. 

XXXX XXXX XXXX # xxxxxxxx XXXX : THIS ACCOUNT WAS REMOVED ON XX/XX/2021, by EQUIFAX, BUT THEN REINSERTED WITHOUT GIVING ME A 5 DAY NOTIFICATION OF REINSERTION AND WITHOUT FURNISHING PROOF OF CERTIFICATION OF INFORMATION. 


THIS IS THE 2nd TIME EQUIFAX IS VIOLATING FCRA 611, 15 U.S.C 1681i RULES.

AND THIS IS CAUSING ME HARM AND FINANCIAL DISTRESS. 
I AM VERY DISAPPOINTED IN EQUIFAX.
Product: Credit reporting or other personal consumer reports

XXXX credit card has failed to inform Experian credit reporting Bureau that my credit card account was closed when I filed bankruptcy in XX/XX/year>. I need for XXXX credit card to contact Experian and to indicate to Experian that this credit card account was closed XXXX years ago and that is no longer open. XXXX credit card needs to add a remark onto their account on my Experian credit report saying that my account was closed in XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Card is not mine, I never applied for it. Card belongs to spouse and are currently separated. I would like proof on where I applied and signed for that card.
Product: Debt collection

Someone Kept the electric bill in my name after I moved out in XX/XX/XXXX. I called XXXX XXXX in XX/XX/XXXX when I tried to put a bill in my name and they tell me I already have an account to shock me more the bill was over due and over 4,000 dollars. From my understanding they sent over someone to shut it off and could not get in the house. I am now in debt over 4,000 because someone was using my name for this address. This is not my debt. How do I dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and maXXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( Experian, XXXX and XXXX ) have not responded back to me about my investigation. I sent a letter stating XXXX XXXX XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. XXXX refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report first premier {$640.00} first progress {$150.00} discover {$530.00} XXXX {$1200.00} target {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown inquires on my credit report that I don't recognize. I'm a potential candidate for fraud and ID thief please remove the following inquires listed below. 

XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX this XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander claims that there were late payments for 3 months. No payments were ever made late. Santander corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and Santander with no change. Santander has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.
Product: Debt collection

Apparently someone used my SSN and name to gain a loan. This loan was provided without my authorization as I required whenever my credit credit is checked. A collection agency XXXX is trying to collect payment on this debt that is not mine. I contacted them and the company who provided the loan and also provided a police report to the collection agency. I received a second letter saying the debt is valid and and verification of the debt with a copy of an agreement. The names on that XXXX LA agreement are not mine. Agreement is attached. XXXX Louisiana is associated with Citizens Bank for the loan. I again called XXXX who seem to think this is still my debt. I called Citizens One and spoke to a supervisor who said she was sending it to the highest level for them to contact me. They have not done so. My concern is that this will affect my credit score. Furthermore I am taken aback by the fact that my name and SSN is enough for this lender to decide to provide a loan without my required authorization and then attempt to hold me accountable. The bank should be held accountable for my inconveniences caused by their poor loan practices.
Product: Credit card or prepaid card

I applied American Express Delta Gold card with a promotion bonus of XXXX by a referring Iink. I confirmed with its representative on call about the promotion bonus in early XXXX before I started to use it. I was told very clearly I could get the bonus after I met the purchase requirement. However I did not received the bonus after I met all the purchase requirement within 90 days. Then I contacted the American Express by online chat. I contacted them many times. They told me they needed 60 days to finish the investigation to find the recording between I and the representative. 

I have contacted them again today and they admitted that the representative shared the incorrect information with me. But they said they would not take any responsibility to its agents ' mistake regardless the fact I confirmed with the representative about the bonus. Just sorry and apology. I spent so much time on this issue which made me disappointed and felt to be treated as nothing by the their costumer service. I hope you could review the recording and the chat history between I and American Express. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all  documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017