23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. The vehicle was financed by Wells Fargo Auto Finance. 

This vehicle was included in the Wells Fargo Settlement that was advertised nationally. I received a check from Wells Fargo that was supposed to settle this account in full. My credit report was updated to reflect the account as paid in full. 

In XXXX of XXXX, Wells Fargo abruptly reposessed the vehicle. The person who took the car said they had no knowledge of the settlement. The next day, I called Wells Fargo and they also seemed to have no knowledge of the settlement. I have since received a bill for {$10000.00} for the remaining loan balance on this vehicle.
Product: Consumer Loan

I am currently purchasing a car, financed by Prestige Financial Services. The day before the due date, the persistent calls, text, and emails start. If I am late the emails become very rude, abrasive and threatening. When it 's brought to their attention the context of the email, the answer is, anyways it needs to be paid. Upon further investigation and trying to refinance the vehicle, I 've found out I owe XXXX on what the car is worth at the moment. The crude and inconsiderate tactics of this company alone makes a consumer not ever want to deal with them again. I have contacted the XXXX previously and the calls, text, and emails stopped for about XXXX months. Only to be turned over to another finance person and the calls and emails are more rude and threatening as ever. I was unaware that there is no grace period available on this loan, however, I always pay the bill monthly.
Product: Credit card or prepaid card

Convenience check returned for insufficient funds by credit union Being charged bounced check charges and refusal by Citibank to correct errors even though charging for transactions and balance Money has still not been transferred to my account
Product: Mortgage

On XX/XX/2017 I refinanced my mortgage and paid off Ditech Financial. I have still not received the refund of my escrow account. I have called several times and I have been told that the check was sent. Every time I call I get told the check was sent on a different date. So far I 've been told the XX/XX/XXXX the XX/XX/XXXX and the XX/XX/XXXX. Every time I call they get nastier and nastier and change their story.
Product: Credit reporting or other personal consumer reports

There are XXXX credit cards that are reporting to my credit profile with balances of {$8100.00} this account is being reported as closed. the second account was reported closed with a balance of {$8100.00}. the third and final account balance is reported as {$7900.00} and this account is closed. I have reached out for this accounts to be closed and removed from my credit profile as they are inaccurate and this is affecting my credit rating with these fraud accounts being reported I reacher out on XX/XX/2023. the company closed the accounts but did not delete them and refuses to delete them this is against the law no inaccurate information may be on my credit report. My email address is XXXX and my number is XXXX
Product: Mortgage

Guild Mortgage reported late payments on my consumer reports XX/XX/22 and XX/XX/22. They know good and well there's no such thing as late payments according to federal law, so they are violating my rights as a consumer. Delete these alleged late payments immediately-you have 7 days to do so, or I will be taking legal action. This is according to 15 USC 1666b-timing of Payments ( 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.
Product: Credit card

In XXXX I went to XXXX with my XXXX XXXX troop. We arrived on XX/XX/XXXX and left on XXXX on XXXX. On XX/XX/XXXX my troop was on a tour of the island. The tour guide told us to leave our bags on van since there was a high rate of theft on the beach we would be swimming with turtles. This was the only time my bag was not in my possesion. I believe during this time a couple of my XXXX  XXXX XXXX XXXX, my debit card and my Home Depot card were copied by the tour guide. After I got back home I saw charges on my XXXX XXXX XXXX  XXXX  and bank card ( these have been reversed by those institutions ) and then, in XXXX, I received a bill showing that someone had used my Home Depot card to purchase {$5700.00} in merchandise, mainly generators and electrical eqiopment, it also showed a credit for these charges. The P.O. has a name of a person not on my account. I do not own any property on XXXX nor did I give anyone permission to use my account. I called Home Depot and was told their system was down and that I could not make a report at that time. The next week I received a new card and since the statement had shown a credit on my account against the charges I thoght the fraud had been caught and corrected. Later, in XXXX, I received a call from a business in XXXX letting me know that their business account had been used to pay the fraudulant charges. During that conversation the employee there and I discussed a number of fraudulant transactions that had occurred to both of us during that time period. she shared that hotel rooms had been paid for with their business account under the name of the tour guide from my island tour. After speaking with that business I made a report with XXXX P.D. who told me I would have to speak to my local P.D. since the thefts occurred after I left the state. 

I attempted toto make a report to Home Depot/Citibank but their online reporting system asks you to check the transaction that was fraudulant. Since the items showed thay were paid for 2 days later it would not let me make a fraud report on them. I had to choose the removal of the payment. all of the above information was included on that report. On XX/XX/XXXX I received a letter telling me that I had not proved fraud, and that I am responsible for all the charges on my account including late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  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

XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX. to inquire about a truck. I was working with XXXX XXXX. During our conversation, I explained that I only wanted my credit processed with Toyota and NOT with a Bank. XXXX the Finance Manager spoke with me about financing the truck, I explained to him that I only wanted my credit processed 1 time, to send it for approval through Toyota. XXXX said since it's a new truck the policy was only to process it for approval through Toyota. I told him NOT to process it through any other Banks. XXXX agreed to my terms. On XX/XX/XXXX I received an alert from XXXX showing that my credit was processed 2x 's on XX/XX/XXXX and another attempt was made on XX/XX/XXXX with a bank. The second attempt didn't go through because, of having my credit locked. I did NOT authorize my credit to be processed these many times! My credit scorXXXX took a XXXX decrease because of this. Also, XXXX gave me a sheet showing that my XXXX score is XXXX, which is incorrect. I contacted XXXX and they have confirmed the XXXX wasn't my score on XX/XX/XXXX. The paper that was given looks like someone typed that information in, it's not a credit score-generated document.
Product: Student loan

Spoke with Aidvantage on XXXX XX/XX/2023 to request information regarding my discharged loans.

I wanted to know why the loans were still active on my credit report. The loans are showing active balances and XXXX approved me for full loan discharge. On XXXX my loans are showing they stay for 10 years. I wanted aid vantage customer service to assist me in updating the discharge loan information to all credit agencies and I wanted to know when, how and who updated them last if at all. I was spoken to rudely and not given the information requested. 

I requested to file a complaint with aid vantage and the customer service representative said she would email me the paperwork to my email ( XXXX ) I have not received it as if this complaint filing. I also wanted to know why my loans were in the credit agencies cuz they never were in default status!
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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
Product: Credit card or prepaid card

This debt is for a Care Credit card issued from Synchrony Bank. It was agreed to supposed to be deleted from my credit report and is still there.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding the removal of fraudulently accounts with ( XXXX  XXXX account # XXXX {$5700.00} and XXXX XXXX  account # XXXX {$3000.00} ) that are reporting on my credit report stating its been VERIFIED and I want to know why! 

Despite my submission and requesting a METHOD OF VERIFICATION these accounts are continuing to report inaccurately after you claim to have verified it within 24 hours. I have reason to believe that Experian, Equifax, and Transunion failed to conduct a re-investigation which may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( a ) - ( b ), as highlighted in the CFPB 's recent administrative processing ( File No. 2025-CFPB-0002 ) against them for similar violations. Please explain to me how your agency has " so-called '' verified these accounts? How did you verify it? Who did you talk to in the creditors office, did you send them a copy of my findings along with my FTC report number XXXX, how did you sent it to them, did you fax, mail it, use the same mailing address and/or telephone number listed on the credit report that I have.. what did you do? And furthermore, what steps did the agency take to ensue the creditor actually investigated my dispute rather that just fraudulently tell you that its been verified. The FCRA says that you have to tell me within the required timeframe if I ask. So no more generic response I am asking for SPECIFICS on exactly how your agency actually verified these accounts that erroneously reporting on my credit report. If you can not provide it then shame on you because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable! I am requesting a METHOD OF VERIFICATION. Be aware that I am making a final attempt to have you clear up this matter. XXXX XXXX and XXXX XXXX  represents a very serious error in your reporting as these are fraudulent accounts that I never opened nor gave my consent to. I'm maintaining a careful records of my communication with you and request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law.
Product: Mortgage

I HAD A LOAN MODIFICATION XX/XX/XXXX AND AT THAT TIME MY BALANCE WAS {$91000.00}. AFTER THE MODIFICATION MY BALANCE WAS {$95000.00}.

I THEN HAD TO GET ANOTHER MODIFICATION IN XX/XX/XXXX. AT THAT TIME MY BALANCE WAS {$96000.00}. AFTER THE MOD MY BAL WAS {$100000.00}.

I CAN NOT SEEM TO GET A EXPLANATION AS TO HOW MY BAL INCREASED FROM XX/XX/XXXX AFTER THE FIRST MOD TO XX/XX/XXXX B4 THE SECOND MODIFICATION. THIS REALLY DOES NOT MAKE ANY SENSE TO ME. IN 6 YEARS I PAID MY MORTGAGE THERE WAS ON A TIME IN XX/XX/XXXX THAT I FELL BEHIND BUT I STILL MADE PAYMENTS. OTHER THAN LATE FEES AND INSPECTION FEES WHICH SHOULD NOT HAVE CAUSED A INCREASE IN THE BALANCE TO THAT EXTREME I DONT UNDERSTAND WHAT HAPPENED.

I HAVE TRIED TO OBTAIN A PAY HISTORY AND AMORTIZATION SCHEDULE. I HAVE TRIED TO GET CUSTOMER SERVICE TO GO OVER IT.

I REALLY FEEL AS THOUGH I HAVE BEEN ASSESSED SOME LARGE AMT OF FEES BUT I CAN NOT CONFIRM WHAT IS CAUSING MY BALANCE TO BE SO HIGH THIS LOAN STARTED IN XX/XX/XXXX WITH A BALANCE OF {$98000.00}.

PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX that reports on my credit report is reporting an Incomplete Account Number of XXXX This Inaccuracy was recently disputed for the first time for this specific reason and mailed out on XXXX XXXX and Delivered XXXX XX/XX/2020. USPS Tracking # XXXX. Therefore the dispute summary dates below are FALSE quoted from EXPERIAN 's response of XXXX___ >>They had responded and " verified '' that the disputed information was accurate as reported. The dispute result summary was sent to you on >>XX/XX/2020, XX/XX/2020 and XX/XX/XXXX, XXXX<<To help protect against fraud, we do not display complete account numbers. For the same reason, many credit grantors do not report your exact account number on the personal credit report<<___Therefore both parties are in Violation of the Fair Credit Reporting Act section 609 by not reporting 100 % accurate information as legally required per the FCRA.I request this account to be removed from my report for FCRA Violations .
Product: Student loan

When trying to get information about the repayment terms of my loan information through Navient it has been very unclear and often inaccurate. My loan was in enrolled in a modified payment plan of interest-only payments until  XXXX  of  2017 . At that time I received a letter stating that the payment was going to change in  XXXX  from {$60.00} to {$230.00}. I started making payments in  XXXX  and waiting for a new schedule of payments that I requested on  XXXX   XXXX ,  2017 . I never received a new schedule and then received an email in  XXXX  stating that my account was past due because my payment had changed to {$310.00}. I then called again to get a schedule of payments and have yet to receive accurate information regarding the repayment plan. Every month the amount due has changed and I have no way of knowing what it will be from month to month. I have tried countless times to get the correct information, however most times that I speak with them the customer service representative ca n't even follow the payments made and what is actually due. Navient 's on website is confusing and not consumer friendly. This is the sort of information that should be available to a borrower through their acccount.
Product: Credit reporting, credit repair services, or other personal consumer reports

! FRAUD ALERT! XXXX XXXX XXXX / XXXX account opened without my knowledge in XX/XX/2022. Noticed and disputed XX/XX/2022 XXXX, XXXX and Transunion. Attempted to contact XXXX XXXX, XX/XX/2022 - Robo answering service is suspicious - requires input of personally identifying information with no option to speak with a live representative. Disputes have not resulted in the removal of this account from my credit report. I did not open this account. Identity theft. Do not extend new lines of credit.! FRAUD ALERT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX after reviewing my XX/XX/XXXX statement and noticing numerous XXXX charges, I reported fraud to both Capital One and XXXX. On said date Capital One issued temporary credit. Thereafter on XX/XX/XXXX, XXXX agreed with fraud claim and refunded all XXXX charges in the sum of {$2800.00}. On XX/XX/XXXX, I advised Capital One that the money was refunded and advised them to remove temporary credits and refund the balance owed to me as I previously paid Capital One in full and had a zero balance on my card. I was told it would take 7-10 days for me to receive a check. It was not until XX/XX/XXXX that they made credit adjustment. It has now been over 3 weeks since I requested refund and I still have not received it. Not only are they keeping money rightfully refunded by XXXX. XXXX but they have issued a freeze on my account and I do not have access to my XXXX credit limit. When I inquire they state the investigation is not complete which is completely unfair since I timely paid all my monthly charges and they have also received a full refund of all the charges from XXXX who found that my XXXX was compromised through no fault of my own when I purchased a new Apple XXXX in XX/XX/XXXX. Capital One is wrongfully withhold my refunded funds as well as keeping a freeze on my credit card which had a zero balance and has been paid timely monthly for several years. They are prohibiting access to funds which are rightfully mine through no fault of my own. XXXX properly investigated and determined the charges were not valid and issued a full refund.
Product: Mortgage

I have experienced extremely poor service. The first instance was difficulty in securing an appraisal, this process was delayed which resulted in jeopardizing my ability to complete an inspection within the 3-week window of having funds transferred to escrow. Next, I have received multiple conflicting and inaccurate closing disclosure documents. The first is dated XX/XX/20 where I noticed that the sales price of the home was incorrect. The second dated XX/XX/20, inaccuracies were detect by me that included the loan amount. Finally, another disclosure was issued XX/XX/20 where the mistakes appear to be corrected however I feel extremely uncomfortable working with this leader following the blatant negligence. More importantly, on Friday XX/XX/20 I spoke to a manager regarding my concerns that these errors will result in delaying the close of escrow as well as my document timelines. To which I was assured that the closing disclosures would be corrected the same day and resent however this did not occur. Also, a nominal fee reduction was discussed and is not reflected on the XX/XX/20 disclosure. Escrow was expected to close XX/XX/20 however due to this company mistakes, I am at risk of my rate lock expiring and losing my {$3000.00} escrow deposit.
Product: Credit card or prepaid card

An AVANT credit card was opened in my name on XX/XX/XXXX. Three charges were made on the card : XX/XX/XXXX, XXXX, XXXX New Hampshire, {$400.00} XX/XX/XXXX, XXXX XXXX, XXXX Massachusetts, {$50.00} XX/XX/XXXX, XXXX XXXX, XXXX Massachusetts, {$46.00} A new address was added to my credit report on XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Ma. XXXX I have never lived at this location. 

I did not open this card. I live in Florida and I did not make these charges. I never received a bill or notification about the charges from AVANT. I became aware of the fraud when my credit score started to plummet. I contacted AVANT and asked for a paper statement to be sent to me and AVANT refused. I obtained the information above through numerous phone calls and by pulling a credit report from XXXX. I have opened complaints with XXXX and XXXX and AVANT. AVANT has closed the account and reported to XXXX that I am responsible for the charges. I called XXXX and they opened another investigation.
Product: Credit reporting or other personal consumer reports

XXXX account XXXX derogatory trade dated XX/XX/year>. 

Violation of Fair Credit reporting act 15 USC 1681 section 602, Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. This is backed by 15 USC 6801 which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it verbal, no non verbal, written or implied may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that they are reporting without my permission. They are acting in violation of the law. Further 12 CFR 1016.7 states that a consumer has the right to opt out at any time. I am opting out officially and lawfully on the record.