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

XXXX Wells Fargo had my truck repossed with only owing XXXX. On the whole loan. Did not realize it was XXXX  months behind they never called they never sent anything I never knew was in the middle of doing a sale of the house we had hit hard times and tried to call them and tell them they said it was okay I had very little left owing. This is a XXXX  XXXX XXXX XXXX truck come to find out they had it towed with a regular XXXX now the XXXX is not wanting to work there's also scratches on it. Also my passenger mirror does not want to open and close now come to find out I have a crack in the back driver side Rim that had to go have fixed and had to go by rims for the truck too called that day they just towed it XXXX minutes my soon to be XXXX XXXX paid for it right then, they wouldn't tell her where it was would not give her the stuff inside of it including her XXXX told her she had to make an appointment they wanted to keep that all weekend until Monday which made it extremely hard for her to move around I also had to fill out a paper and have it notarized that she was able to go pick it up this is her truck they were extremely rude and did not care they said they could do whatever they wanted so they had the truck from XXXX XXXX XXXX XXXX  and almost all day XXXX this is ridiculous this truck will be paid off early I think they were hoping that she would not have the money so they could have kept it and sold it and made twice the amount. They also made her pay a close to {$500.00} tow for a regular XXXX not a flatbed which it should have been towed on. That is it outrageous. This company is nothing but crooks.. please help..
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

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


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


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


Update the late payments from my consumer reports
Product: Debt collection

I received a debt collection bill from XXXX XXXX today. I called the company twice today to dispute the debt, and I asked for verification. The first time I spoke to XXXX. She abused and hurt me tremendously.  After disputing the bill and asking for verification, she made the following comments to me: The bill is for $XXXX, even though according to the bill, it is for $XXXX. Then she indicated that I'll receive more bills from them shortly. Then she hanged up on me.  She abused and overwhelmed me intentionally for no reason. I don't know why.  I called right back. This time I spoke to XXXX. She did the same thing. She abused me and hurt me intentionally. After requesting and getting the USCB record ID # from me, she said that in fact there are two bills, and that I'll receive more bills soon. Again, why she abused and overwhelmed me is something I'll never be able to understand and figure out. I called to dispute the debt and I asked for verification. However, she abused me and put me down. What these two young girls did to me are illegal, abusive and hurtful. I believe that not only the company is liable to me, but both these young girls are personally liable to me as well.  I'll not tolerate and accept abuse and torcher coming from two psychotic and irrational teenagers intentionally.  Both of them are personally liable to me for abusing and hurting me.   What they did was illegal and manipulative. They had bad intentions.  I recorded both telephone conversations. Please help me discipline this company and these two abusive representatives. Also, please help me receive compensatory and punitive monetary damages that I am honestly entitled to. Both girls abused and hurt me. Abusive collection practices are not acceptable and emotionally damaging.  Committing manipulation, lying and abusing me is not permitted by law. Right now, I am suffering, hurting and experiencing pain because of them.  I will not tolerate abuse coming from two teenagers. The appropriate  government agency should not tolerate it as well. Please  discipline USCB and both these psychotic and hurtful representatives. Thanks. I would appreciate it.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 any 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 of 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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ), XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

For the last two years my escrow has not been right and every time I call Sun Trust they say they are going to review and get back with me. Last month in XXXX I had to pay {$1000.00} more because they said escrow as low. In XXXX my monthly payment was suppose to go back to normal and that did not happened. I just called Sun Trust to find out they merged with BB & T bank but we were not notified. However ; this should not affect them giving me the information that I have been waiting so long for. In XXXX I paid close to {$9000.00} in insurance for my house but this year my insurance went down {$2300.00} and my mortgage payment still went up. The keep giving me the run around and I need someone that can clearly explain to me why this is happening. I need a copy of my escrow audit for a least the last 5 years so I can understand why my mortgage that has a fixed interest keep going up and down even when taxes and insurance go down. I have been a customer since XXXX and not once I have been late. My partner the other owner is a retired military and we can not afford all this that is happening with our payments specially now with the coronavirus and losing hours of work. I ask your help please. Thank you!
Product: Credit reporting

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Experian reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Experian can change the balance owed to zero ( XXXX ) and take the word dispute off my credit report.
Product: Credit reporting or other personal consumer reports

I'm trying to purchase a home and I realized that I have damages on my credit report from all 3 credit bureaus ; XXXX, XXXX, and TransUnion. I notice that some incorrect names and addresses are connected to inquiries, credit cards, and charge-off accounts that are currently reporting on my credit report and significantly impacting my score. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A. Section : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( XXXX ) 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 XXXX years. 

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

THESE ARE FRAUD INQUIRIES XXXX XX/XX/2023 TRUIST BANK XX/XX/2023 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with all three credit bureau 's and NCA regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from NCA stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these accounts removed from my credit report there are two different collection agencies reporting on the same account XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the same accounts. 

XXXX XXXX XXXX : XXXX  XXXX These accounts have been paid in full but are still reporting to TransUnion XXXX and XXXX
Product: Debt collection

Enclosed I have XXXX medical Bills that was file in our Bankruptcy Petition on XXXX/XXXX/2015, and we are still receiving debt collector letters. 

Our bankruptcy case # XXXX XXXX District of Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

This company solicited my information and illegally obtained it by way of Michigan banks to coerce payment and tarnish my reputation to other banks. All the information they have is fraudulent and it has been obtained and used without my authorized consent. Chexsystems has furnished an entire report using my personal identifying information. Their federal violations and actions have hindered me from being able to open personal bank accounts and I have been denied consumer credit.
Product: Debt collection

I have filed several complaints as this item was included in a discharged bankruptcy in XXXX. Dyck Oneal continues to re-age, and refuse to remove this item. I have never had any direct dealings with Dyck XXXX and the original debt was a part of the discharged bankruptcy. My last complaint with CFPB was denied because they again claim it is not a part of a discharged bankruptcy. My XXXX  credit report showing it is on page XXXX of XXXX as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts on XXXX, Transunion and XXXX ( my consumer reports ), they have violated my rights 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions As well as the Truth in Lending act, I was never made aware of my right of recession from any loan or credit card I took out, which automatically makes the contract null and void.
Product: Vehicle loan or lease

I voluntarily surrendered the XXXX XXXX in question back in XX/XX/XXXX. When I surrendered the vehicle, it was supposed to be sold at auction and the balance reduced for to show that the vehicle had sold and then I would receive a bill for the remainder of what was due. I began this loan in XXXX at {$14000.00} and not the loan is pushing {$30000.00} though the vehicle has since been given back and sold at auction. I have reached out the Prestige Financial to correct the balance and settle the account to make payments and have been given the run around with refusals at every turn for assistance in reducing this amount so that I can settle the account and have it cleared from my credit report.
Product: Mortgage

I approached bank of america for a HELOC towards the end of XXXX. Following the underwriting process this HELOC opened in XX/XX/XXXX. 

As per the HELOC terms and conditions explained to me by the Loan Officer on a recorded line ( which I dont have direct access to at this point ), if I met the follwing 3 conditions, a discount of 1.5 percentage will be applied to my rate ( prime + .18 % ) : 1 ) I should draw down aleast XXXX USD at closing 2 ) Do not pay back any additional principal for 1st 4 months 3 ) Use autopay from my checking account to pay the HELOC dues I met all three of these conditions. A preferential rate, which was lower than the prime rate was applied for the first few months by bank of america. After six months these discounts were withdrawn and now I pay a rate of 8.68 % ( prime + .18 % ) on my HELOC balance, insead of 7.18 % discounted rate as per original agreement. 

When I enquired with bank of america they explain that my current rate of 8.68 % is inclusive of all the discounts discussed before closing. This was not the way the HELOC discount was explained to me during the sales process. Also when I request Bank of America for a copy of the signed agreement that reflects the applicable interests, they send me a PDF document online, that is corrupted and can not be opened on my computer. The HELOC details are below : Account number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( section 6 o 2 states I have the right to privacy ( 15 USC Section 6 0 4a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Template Requesting Deletion Your Information : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Complaint Details : I. Type of Complaint : XXXX XXXX XXXX XXXX. Company Name : [ Credit Bureau Name ] ( e.g., TransUnion, XXXX ) XXXX. Account Information : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX. Summary of the Complaint : I am writing to address significant inaccuracies in my credit report for the account above. These errors have severely impacted my ability to obtain credit, loans, and favorable interest rates, violating my rights under the Fair Credit Reporting Act ( FCRA ). Notably, XXXX has already removed this account from its credit report due to these inaccuracies and discrepancies. 

Discrepancies : XXXX. Account Status : TransUnion : Closed XXXX : Paid XXXX. Date Opened : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : TransUnion : XXXX XXXX : XXXX XXXX XXXX XXXX. Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX These discrepancies hinder my access to fair credit opportunities. 

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : Requires consumer reporting agencies to conduct a reasonable investigation of disputed information. The inaccuracies in my report demand urgent correction.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g : Ensures consumers have the right to an accurate credit report. The current discrepancies violate this right and hinder my ability to obtain credit.

3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibits false or misleading representations in connection with the collection of a debt. Reporting inaccurate information can be considered a violation.

4. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 : Aims to promote fair, transparent, and competitive markets for consumer financial products and services. Inaccurate reporting undermines this objective.

5. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 : Requires clear disclosure of credit terms to ensure consumers can make informed decisions. Inaccurate credit reporting affects these disclosures. 

Desired Resolution : I request the removal of this account from my credit report. Attached are a screenshot of my credit report and proof of XXXX removing this account for your reference. 

Attachments : Screenshot of my credit report Screenshot proof of XXXX removing this account Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I cant pull my credit report because they removed all my accounts off of my report. Please put moy open accounts back on my report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX did car loan for me, I had to pay payment on the XXXX of every month. So they put me down as missed payments on my credit report. I never missed a payment at all. I traded the car in when it was almost paid off, XXXX XXXX NEGLECTED to tell me that I could change my payment due date so the payments were always late. Most car loans have a grace period ( 10 days ) in which they can receive the payment, these people said that they do n't do that. I want that missed payments on my credit report taken OFF because the payments were not MISSED they were only LATE. I do n't have any paperwork or receipts to show the payments because I had a fire and lost a lot of my stuff. I hope you can help me because this is really stressing me out, I want to buy a home but I ca n't with my credit report.
Product: Credit card or prepaid card

I received a letter today from Bank of America stating that I applied for a XXXX XXXX XXXX card and a hard inquiry was made in my legal name, XXXX XXXX XXXX. I did not make this inquiry at all. I contacted the Bank and they started this process to have it closed down and also to remove the hard inquiry from my credit report. I additionally called experian and reported it to them as well. I began a 1 year alert program and they said that by filing out a police report or this site, I would be eligible for a 7 year alert program, which I would like, as this same thing happened to me a year ago.