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

My car loan was thru Wells Fargo Bank. I paid the car loan off in 6 months, when I traded the car to a car lot and purchased a SUV, because my husband had to have XXXX XXXXXXXX and was no longer able to get into the smaller car. 
The loan had gap insurance and a warranty service that was purchased with the car, but the service contract was for 72 months. since it was also paid off early, they owed me a refund from the insurance company. The insurance company sent the refunds to the car dealership where I had purchased the car and the insurance. The dealership paid me the warranty refund from the insurance company but said Wells Fargo would refund the gap insurance. I called them to ask when I could get my gap refund. I was told as soon as the insurance company paid them, they would send it to me could take up to 120 days. at this time, I did not know the insurance company had paid both refunds out on XX/XX/22. This shows the man lied to me and presented false information to me the consumer. Wells Fargo wrote a letter to the XXXXXXXX XXXX and said they were not to pay me, they would pay it to me, the gap insurance, so I went to Wells Fargo, got a run around about they had not gotten it, it takes a while thru the system, a man named XXXX was very rude when I called on the phone, He informed me I was on day 73, of their process, so I still had a while before they would pay me. I recieved a call from a lady named XXXX, she said she would check into and get back to me within 10 days and try to get this settled, Well it has been ten days and no word. I am over XXXX XXXX XXXX, I am XXXX, taking care of my XXXX husband who is XXXX XXXX XXXX. They have over XXXX XXXX dollars of my money and I am getting no where in getting it back. I have a letter to show proof it has been paid on XX/XX/22 Wells FArgo says they are not using our money, so if that is not the case then why are they not paying us since they were paid by the insurance company. It should not take 4 months to send us our money. They did not have to take it from the dealership since the money was not theirs to begin with, the dealership sold us the insurance, but for some reason the wells Fargo Bank took it saying they would pay us. Can you please help us get our money back. I know I could not b e 4 months behind if I owed them money now could I. Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX for {$870.00} - XXXX XXXX XXXX XXXX In - {$360.00} - XXXX, XXXX - {$220.00} - XXXX XXXX XXXX - {$1400.00} - XXXX - {$170.00} - XXXX XXXX - {$17000.00} - XXXX XXXX / XXXX All accounts ( There are like 5+ of them )
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that XXXX XXXX Account XXXX XXXX had late payments on an account that i was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that i have included in the screenshot inside this complaint in on the date of XX/XX/year> And XXXXPlease investigate and provide proof with statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late.Thanks! Please see screenshot attached :
Product: Mortgage

My Name is XXXX XXXX and I have a mortgage with chase my loan is XXXX and I lost my job and I fell behind on the mortgage. I am request assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, XXXX claimed to have no record of me having a credit card ( XXXX to boost credit ), XXXX had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since equifax went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on equifax, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..transunion had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. Credit Management Service 2. XXXX 3. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am making this complaint because there are multiple errors on my credit report I called the XXXX, XXXX, and Transunion but only XXXX was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. Experian, XXXX  and XXXX  removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at Experian. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. Experian sent me a letter asking for my drivers license and social security card, I submitted the information to them.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/year> XXXX  : XXXX SECURITY FREEZE
Product: Debt collection

On XX/XX/2022, after attempting to speak to a supervisor from XXXX at three different intervals, XXXX, a female that I didn't get to have her name, and XXXX while assured someone would call me back within the hour after speaking to XXXX, the other two agents informed me that " no supervisor was available today. '' I wanted validation of debt and breakdown of charges as this account was opened under fraudulent circumstances to which XXXX was made aware months ago. 
XXXX informed me that XXXX no longer owned this account and could not look at the lease agreement and advised me to contact Afni. 
I was not provided anything to prove that this was my debt by XXXX or Afni especially prior to reporting to the credit bureaus. 
It seems that XXXX bills for fraudulent third party charges, as well. 
The attached leases are NOT MY signatures, nor am I a junior as I am female.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act MIDLAND CREDIT MANAGEMEN has violated my rights for multiple accounts reporting on my credit. 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 also states a consumer reporting agency can not furnish an account without my written instructions.

This has taken a toll on my credit score right around this time of me looking to purchase a home which is causing me major inconveniences! I know my rights as a consumer and I will use them! Absent validation, both your company and Midland Credit Management are in violation of Federal Law, for btu not limited to, continued collection activity on an invalidated debt pursuant to FDCPA 809. Validation of debts [ 15 USC 1692g ] ( b ). My suggestion is that you return this account to the previous collection agency and demand your money back, and/or compensation for time wasted pursuant to the Qualifying RECOURSE accounts provision of your purchase / assignment contract. Any information about these alleged debts that have been reported to the credit bureaus, I demand that you delete that information immediately, or I will have no choice but to take legal action against you for knowingly Furnishing on unverifiable information to the credit bureaus with the sole purpose of tarnishing my financial reputation. You have XXXX  days to remedy this matter.
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 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. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX {$XXXX} ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15USC 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

My credit report has a few errors, listing late payments that dont align with my typical payment pattern. Please correct these inaccuracies and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the XXXX credit bureaus since I first did a report. It has been over XXXX days and I would like these items removed.
Product: Mortgage

Over the past few months, I have made extra payments on my mortgage by including extra money with my monthly payment. Normally, when I would send extra money with a monthly payment, any money above my minimum payment would be applied to principle. In XX/XX/2020, I sent extra money, but this time it was used to make three minimum payments instead of going toward principle ( thus keeping my principle balance higher and forcing me to pay more interest ). This is also keeping my balance above the threshold at which I qualify to have my private mortgage insurance canceled. If all my funds had been applied to principle how I intended, my balance is low enough that my PMI should be canceled and the premium removed from my minimum payment. On XX/XX/2020, I sent a letter to the error department at TD Bank. I have only received confirmation of receipt, but the error remains. I called in XX/XX/2020 and the person on the phone assured me it would be taken care of. The error still remains. I should not have to pay any more PMI premiums. TD Bank is engaging in the practice of misapplying my payments to make me pay more interest and to keep me paying my PMI premium.
Product: Debt collection

I had run my credit report and I found out that I had a debt collection reported on my credit by seeing this I had send them letters explaining this debts is not correct that this debt was taken care when I had purchase another car and the lender had taken care of the debt prior to purchase a new car after which is already more that 6 years never had any information on this matter. So when I saw this I deiced to write a letter to them and to the bureaus which I also send a copy of the letters of respond by Ally on XX/XX/2020 I had send a registered certified mail to let them know what is this ( see attached document ) On XXXX XXXX Ally had respond me stating that they could not find any information regarding this account and they need more information from me which some of it I do not have since I do not have the car and the other information they have it on records since i am receiving respond from them and if I am in collection they should have all this information on file ( see attached respond ) On XXXX XXXX I send them a respond to there letter and I have not heard anything else. 
On the same dates as I send the above letter I also send the same documentation to XXXX  to see if any of them can correct this mistake
Product: Credit card or prepaid card

On or about XX/XX/2018, I, XXXX XXXX, went to a club in XXXX. When I tried to pay, my wife was notified by the Citi Bank credit card company.  My wife, XXXX XXXX, did not know I was there thus put an immediate freeze on the credit card. 
Due to that freeze on the Citi card, and once I made my wife aware it was me making the charge, we were unable to immediately release the freeze on the Citi card to pay my tab, so we used XXXX XXXX, a friend 's, credit card to pay the FULL tab. 
( Of which I have an email confirming the payment and communication with the bar manager, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas ). 

XXXX and I noticed a couple days later that our Citi credit card still showed the transaction as " pending ''. So we both called Citi Bank and discussed with them that the charge for the Club should not go through because 1 ) Our Citi card was frozen, and 2 ) we had proof ( in an email and with receipt ) that the payment was, in fact, made with another credit card ( XXXX XXXX ). So we submitted a formal dispute with Citi.

Citi recently emailed XXXX to say that they would not stop the payment to the Club. 
That is exactly why we are filing this claim. Our card was frozen and the payment was already made with another credit card, thus Citi should NOT charge us. 
We feel that Citi is taking egregious advantage of us.
Product: Credit reporting

I use XXXX to monitor my credit score. Recently I paid off many credit accounts. As I was monitoring my score I noticed that Transunion & XXXX were XXXX points apart when normally they 're only a fews points apart. Upon comparative investigation I notice Transunion dropped XXXX points and XXXX rose XXXX points. It appears the credit utilization algorithm Transunion is using, is different than XXXX. Transunion credit utilization algorithm portion appears to be wrong, because it took a single credit card account that I had 87 % of it 's credit used and counted it as if it were my total credit available, which appears to be the reason why Transunion lowered my credit score XXXX points. I find no other negative change that could have caused this. It not only dropped XXXX points, it also penalized me the XXXX points XXXX rose, which combined has cost me an accumulated XXXX points. I can find no other reason when I compared the two credit reports that could have caused these two changes on the same date. 

Being a XXXX I have see these types of issues happen. I 'm curious, who checks the algorithms of these credit reporting software applications, similar to regular gas pump calibration tests? The consistence and accuracy of these applications that Banks are using to justify the rates they lend to consumers are directly impacted the fees. It would n't surprise me if there 's no one responsible for checking these applications that are helping banks to quietly charge consumers, illegally, higher than earned interest rates. In my case it 's XXXX points, which is the difference between Good vs Excellent credit rating. Depending on how much I borrow, this may have cost me higher than legal financing fees, ranging from $ XXXX to XXXX. 

It just so happens that my credit situation is nearly clean that allowed me to notice this discrepancy. 

Please check into this specific issue with Transuion, also inform me of how the government monitors the applications that generate credit reports on a regular bases to ensure there 's no tempering.
Product: Credit reporting or other personal consumer reports

Early Warning and XXXX  agency have inaccurate information that is discriminating towards my chance of increasing my credit line or moving forward with my credit needs in life
Product: Debt collection

Got a letter stating i owed a cell bill. I contacted XXXX and notified them i did not own this phone and this was part of ID theft. A short time later I received yet another bill from XXXX. I contacted them yet again to let them know that this was a fraudulent account. They ( XXXX ) told me i would have to obtain a police report which I did. Detective XXXX XXXX from the XXXX TN Police Dept., sent XXXX the copy of the police report. Sometime after that the fraudulent account was handed over to a collection agency in my name and put on my credit report. I have been fighting this going on several years now with no resolution to this matter. 4 years later I am still actively trying to get this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple request for XXXX to validate/verify a XXXX auto repossession appearing on my credit reports. I have advised the bank my identity was stolen while traveling. Additionally, I have provided documentation to support my claim i.e police reports, identify theft reports, leases, utility bills, etc. I've also mailed multiple request for All Executed Contracts and Documents on this account to validate/verify this debt and confirm the balance. Demanding that the bank either forward the requested documentation or immediately cease collection and remove this account from my credit file. 

To Date, I have received conflicting notices from both XXXX ( notice of repossession on XX/XX/XXXX ) and XXXX ( notice of insurance claim on XX/XX/XXXX ). These notices/documents suggest the vehicle was repossessed and involved in an accident on the same day. The notice from XXXX indicates an insurance claim was filed, as a result I received an incident report form requesting information. The notice from XXXX advised of the repo and the right to retrieve personal items. I have sent correspondence to both companies requesting all executed contracts/documentation to validate both accounts - vehicle and insurance. Yet, I have not received a response from XXXX. However, XXXX continues to forward generic letters assuring me the debt is valid without sending any of the requested documents to support their claim. Additionally, XXXX has sent 2 identity theft forms that require MN XXXX. I DO NOT LIVE IN MN. Therefore, i am unable to have the forms notarized. 

Finally, the XXXX letter indicates the vehicle was repossessed XX/XX/XXXX. It is now XX/XX/XXXXXXXX  was the vehicle sold? why is the debt still reporting at XXXX. Is this the deficiency balance? How much was the original debt? Simply - This companys practices are fishy!!! I have escalated these request to the governing authorities XXXX, 3 Major Credit Bureaus, MN Dept of Commerce, and NCUA. Unfortunately, XXXX continues to validate the debt with each agency with out providing me the requested documentation.
Product: Student loan

I have been paying my loans through XXXX XXXX  since 2015. Whenever I make a payment either through Credit/Debit, Checking/Savings Account or automatic payment ; there is a fee of 3.95 % of the payment, plus an additional {$1.00} fee for one-time or reccuring payments. None of my other student loan providers demand such fees and it seems unjust that this is required.
Product: Credit card or prepaid card

BJ 's issued a credit card unbeknownst to me. I went in person to BJ 's in XX/XX/2022 to tell them I was NOT renewing my membership for {$55.00}. I then got a bill for {$55.00} on a MasterCard that I never asked for. I went back to BJ 's in person to ask that the {$55.00} charge be removed and to close my credit card. The lady with whom I spoke said she would take care of it - clearly, she did not. I've been back and forth between BJ 's and Comenity Capital Bank all this time now with NO resolution. I've sent Comenity CB a letter via mail and BJ 's an email. I did see that Comenity CB has a lawsuit pending since XX/XX/2022 regarding credit card usage. All I'm asking for is that all the late fees/charges now totaling {$110.00} go away and that Comenity CB closes my credit card. This card was issued fraudulently as I was totally unaware it even existed. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXXXXXX XXXX Balance : {$28000.00}