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

I PURCHASED A XXXX XXXX XXXX on XX/XX/XXXX, I GAVE A {$10000.00} DOWNPAYMENT. ALSO MADE XXXX PAYMENTS OF {$1000.00} & XXXX PAYMENT OF {$1100.00}. ON XX/XX/XXXX SAID VEHICLE WAS TOWED, WENT TO XXXX XXXX  TO INQUIRE, WAS GIVEN A XXXX  INVOICE & LOCATION TO GO RETRIEVE VEHICLE. PICK VEHICLE UP XX/XX/XXXX ( FEES {$350.00} ). 
ON XX/XX/XXXX XXXX  HAD VEHICLE TOWED AGAIN ( SAID XXXX XXXX WAS STOLEN ). ON XX/XX/XXXX WENT TO TOW COMPANY SHOWED PROOF OF OWNERSHIP ( LICENSE, INSURANCE, REGISTRATION & VERBAL PERMISSION FROM CAPITAL ONE AUTO FINANCE PRESIDENT, XXXX XXXX, XXXXXXXX XXXX XXXX ) AND I RETRIEVED VEHICLE AGAIN ( FEES {$190.00} ). ON XX/XX/XXXX SAID VEHICLE WAS TOWED AGAIN ONLY THIS TIME XXXX XXXX POLICE PICKED UP VEHICLE AND THE DEALERSHIP HAS PUT THE VEHICLE BACK UP FOR SALE. THEY ALSO SAID MY LOAN WAS A FRAUD BECAUSE OF A CO-SIGNER ON THE LOAN THAT I DID NOT ADD NOR DO I KNOW OR HAVE NEVER MET IN MY LIFE AND ON TOP OF EVERYTHING ELSE I HAVE A COPY OF MY CONTRACT AND THE SIGNATURE IS NOT MY SIGNATURE AS WELL. MY SIGNATURE WAS INFACT FORGED.
Product: Credit card or prepaid card

I received 2 emails on XX/XX/19 one at XXXX the second at XXXX. These were sent to my work email. They are from Synchrony Bank stating that a trial deposit has been successfully made to your Amazon creditbuilder account. it came from Synchrony  Bank<XXXX> and the content says Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX. 
This is an unmonitored email box. Please do not reply to this email. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 
I do not have a Synchrony bank account nor do I have an amazon credit builder account. I very rarely use my work email unless its for work purposes so this email immediately stood out.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX  XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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: Debt collection

I Called To Get More Information On A Debt Through XXXX XXXX. I Was Wanting To Pay Off An Account And Get The Information Deleted Off My Report. I Spoke With A Lady Agreeing That This Could Happen. So On XX/XX/XXXX I Paid The Account Off But Now XX/XX/XXXX The Account Is Still Listed On My Report
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a false and damaging delinquency reported on my credit file by XXXX XXXX. This incorrect reporting has caused my credit score to plummet by XXXX points, an extreme and unjustified penalty that is severely impacting my financial standing. 

The Delinquency Report is 100 % Incorrect This negative report should never have been made, as my student loan is in deferred status until XXXX following my enrollment in school in XX/XX/XXXX. I have consistently maintained an excellent credit history and payment record, and this egregious mistake is tarnishing my financial reputation due to no fault of my own. 

Additionally, I never received any phone calls, letters, or other forms of communication from XXXX XXXX regarding a late or missed paymentbecause none ever existed. If there had been any issue with my account, I would have promptly addressed it. Instead, this erroneous report was made without any prior notice, which is completely unacceptable and raises serious concerns about the accuracy of the information being reported. 

Immediate Action Required Upon discovering this blatant error, I contacted XXXX XXXX on [ Date of Call ] and spoke with XXXX, who confirmed that my account is in good standing and on deferred payment status. She acknowledged that the delinquency was incorrectly reported and assured me that she was submitting a ticket to correct the mistake. However, she also advised me to dispute the matter directly with the credit bureaus to ensure a faster resolution. 

Given the severe and unjustified damage this has caused, I am demanding the following immediate actions : A full and expedited investigation into this inaccurate delinquency report. 
The immediate removal of this false delinquency from my credit report. 
A full restoration of my credit score to its rightful standing before this mistake occurred.

The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus report only verified and accurate information. As this delinquency can not be verified because it is simply false, I expect a prompt resolution in accordance with FCRA guidelines.
Product: Debt collection

What is the statue of limitations on collecting a debt? My debt is about 9 years old.
Product: Checking or savings account

I filed a complaint with the CFPB with this issue before but sadly Bank of America doesnt want to refund my money they want me to drive from XXXX California back to XXXX XXXX NM to talk to the bank manager about the mistake that Bank Of America made by putting {$200.00} cash into some one else account and refuses to do anything! when Bank of America investigator calls me every time she does I was at work. Until today XXXX XXXX,2017 an she read me a scrip and every time I complained she would say I understand and go back to the scrip this is not good customer service! I want my money {$200.00} cash back if they refuse to give it to me 1 more time I will sue Bank of America in Small Claims court for being negligent. If we go that route I will be asking for {$35.00} in late fee plus interest and court costs. I 'm tired of Bank of America thinking there above the law because there a big corporation. They need to be held responsible for there actions!!!!
Product: Mortgage

Mr Cooper home loan company refuses to take my payment over and over after we took a covid 19 payment forerance XXXX I started back on payments in XX/XX/XXXX where they would only take a portion they told me only of XXXX of regular payment amount which was XXXX my loan payment is XXXX normally so that's what I did for three months on time. I was told after 3 payments this way they would work with me and refinance to terms for covid 19 relief. I was then given papers to refinance my home in a 40 year loan vs my 20 year loan at same rate which is higher than average interest rate and I didn't want a different amount of years in loan we are already in. I was told by the legally they won't refi my loan or any other servicer for 12 months. My husband is XXXX and I'm XXXX on ssdi since XXXX. I then was very upset they told me this was all they could do and I need to sign it I did not I wanted the amount to be put on back end of loan only or refinance with options for terms and less interest charges. I was very upset and made calls to an Mortage loan office that I have used in the past and was told how they can't do what they are they durning this time gave me no access to online loan details nor was any of my calls going through. I got through to a division of Mr Cooper that deals with issues with consumers and I basically told them you are lying and giving misleading and inaccurate information and making me feel I have to do something that is not what I see nor read about on covid 19 Mortage relief per the government. I was after hours of research able to find out that I need to go to my original payment amount and pay 3 payments on time and I can refi with a FHA or Va loan. My husband is also a veteran but we have a conventional loan at this time. So after knowing this had to call back Mr Cooper stated all the information I had learned telling them how fraudulent there are being and how unlawful there practices are being because again they would not take my payment finally got a representative from Mr Cooper to force my original loan payment for 2 months XX/XX/XXXX and XX/XX/XXXX. I said I would call re the XX/XX/XXXX just to confirm what date to process payment and they didn't want to take it again with out full amount due including payments missed from covid 19 relief or nothing again had to spend hours being transferred to person to person when someone forced payment through.. this has been very stressful and time consuming I feel like I've been lied to over and over for there benefit reguardless of the law please help I would like to get into HUF program when available for the past Mortage and to be given truth from these companies and help not taken advantage of for there own financial gain...
Product: Credit reporting, credit repair services, or other personal consumer reports

On the day of XX/XX/2022 Sent of letters to XXXX, XXXX, Experian requesting that the inquires be removed by FCRA act. 
Have made multiple phone calls to the companys because the information is not correct on the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute an entry on my credit report regarding an account with XXXX XXXX  XXXX. The account in question has been charged off and has an account number of XXXX. 

I also want to dispute an inquiry on my credit report dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. 

I believe that these entries are inaccurate and/or incomplete and do not reflect my credit history accurately. I request that you investigate these entries and provide me with the results of your investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I also have the right to request that the credit reporting agency remove any information that can not be verified. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Im using chime the Internet bank and have had no problems for almost 2 years that Ive been using it. I changed states at my job and became employee versus a contract with but with the same employer so no change in the information provided to time and information coming from my employer. Recently they change their gas authentication verification engine from plaid to atom and now my direct deposit which was issued on XX/XX/XXXX and usually shows up to days early so I would have shown up on XX/XX/XXXX has not shown up yet and its now almost a week later. Every time I call I get the runaround It is still processing and we cant tell you anything about it. And they also its allude to the fact that I need to verify information on my side which Ive done and there has been no change on my side or with my employer.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX Balance {$3800.00XXXX XXXX XXXXXXXX Balance {$7900.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to all XXXX, XXXX, and Transunion regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report 1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal government name. 

2. My last employers was XXXX any and all other employers on my credit report should be deleted as I do not work for them. 

3. My current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit should be deleted as they are not deliverable to me by the United States Postal Service XXXX
Product: Money transfer, virtual currency, or money service

Dear Team, I have a long standing relationship with PayPal and have been using that account for all my transactions ( Pretty much all online ). lately since the beginning of the year 2018 I had established relationship with Mrs XXXX and Mrs XXXX via PayPal and engaged their specialized services. I was rest assured about my money coz its PayPal protected and I was confident because PayPal has all legitimate sellers and buyers and they protect against any delays or issues in the transaction.

Nature of service I had with both Mrs XXXX and Mrs XXXX was time sensitive and results were 100 % assured and due to issues with initial estimates they had asked me to pay more over the period of last 10 months and as I was really in need of the service to work I did comply with them. 

But my patience wore off and now am at the end of the rope. the service was due way back in XXXX but it kept getting extended out. my last payment towards this service was made in the month of XXXX and I lost all hopes of getting this to completed. Thus I reached out to Mrs XXXX and Mrs XXXX to reach an amiable solution but they were unresponsive. in despair I reached out to PayPal but apparently they can not go beyond 180 days. which I was neither aware of nor feel its appropriate coz its for the same service. 

Thus I request PayPal to look into this matter as the transactions were for same purpose and spanned across 10 months due to the nature of the service and it was done to same 2 people and now I did not get the intended service. the total transactions are 36 and total amount transferred {$8000.00} Thank you
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am in the process of getting pre approved for an home and while going through my credit report I noticed several accounts that are closed and still reporting. I have a XXXX  XXXX account that was settled and paid in total amount of {$350.00} on XX/XX/year> and was told by XXXX it will stay on my account for XXXX years. I tried to dispute with all 3 credit agencies with no luck. I have XXXX accounts with XXXXXXXX XXXX XXXX that started reporting in May of 2023. The amounts for the XXXX accounts are {$410.00} and {$3100.00}. I called XXXXXXXX XXXX where they told me there was no account on file attached to my name. When I disputed the accounts were not removed. According to the XXXX XXXX XXXX law, there should not be any damages on my report. This is a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal and private information was stolen. Two of my credit cards were stolen by a perpetrator pretending to be me. This perpetrator maxed out both of my cards and left me with XXXX  of dollars in debt and a very low credit score. The accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I have been going back and forth with Citizens Bank for XXXX weeks now. They paid out half of the checking/savings account bonus ( {$300.00} of {$600.00} ). They said I did not qualify for the other {$300.00} because my account was opened last than 6 months after my previous account was closed, but this was not the case. The account was opened on XX/XX/XXXX and my previous account was closed on XX/XX/XXXX. 

On multiple occasions I was told I would hear back from someone in 2-3 business days, and I have yet to hear back from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

First complaint- I applied for a loan online at https : //www.checkngo.com/apply-now/ on XX/XX/XXXX. I got an email to take my verification documents into the branch on XXXX and XXXX in XXXX Ca. I did so on XX/XX/XXXX. When I get into the branch the teller is asking me application questions all over again. I told her that I had already completed the application online. She stated she needed to ask me the questions again. So she looks at all my documents and then I get a notification from my credit monitoring service that she ran my credit again. I asked her why she did that when my credit was already run on XX/XX/XXXX when I applied online, she stated she had to. I told her I did not give her permission to run it again. 
Second complaint- when the teller entered my banking information for the auto payments she entered the wrong checking account and not the account I specifically told her to take payments from. The first payment came out of an account I did not give them permission to pull from and it overdrew the account, for which I was charged a {$29.00} fee for. 

Third complaint- The account has never been paid 30 days late. But in XXXX XXXX I get a notification that Check N Go/AXCESS FINANCIAL is reporting the account as 30 days late as of XXXX. I called the local branch and spoke with XXXX the manager and was told to contact corporate at XXXX. Corporate had no idea what I was speaking of but took a message and said someone would get back to me. I never heard from them again. Then XX/XX/XXXX, I get another notification saying the account was reported as a charged-off account. I called and spoke to the local branch again and was told they call the district manager about the reporting and get back to me. No call back from anyone. So I disputed the account and the outcome was the status was changed to an open account but they did not correct the payment history. So I disputed it again ; results pending. 

Because of the incorrect reporting, I was not able to apply for a lower interest loan to pay off this unconscionably high-interest loan with Check N Go/AXCESS FINANCIAL, My credit score decreased because of it and they are violating my rights as a consumer in many ways as read in this complaint. They have falsified the notes on my account saying they have called me every day this month and sometimes twice a day when they have only called me twice in the last 30 days. Both times they spoke to me about late payments never about my complaint about their incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went car shopping and got a preapproval from XXXX XXXX XXXX XXXX. The lady that helped me at XXXX XXXX XXXX in XXXX, CA insisted on running the credit again on their end and ran it 3 more times that same day. 

She said it would count as 1, but I have 4 hard inquiries that day. 

To top it off, they didn't even have the vehicle in stock that I wanted. They lured me in saying they had it in the back only to come back and say they had sold it, after running the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't 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 719XXXX 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 XXXX 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 us 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 XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.