23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To my shock and dismay, I found inaccurate accounts on my credit report this evening, and Im baffled as to why theyre there. I regularly check my credit report, but this time, there were discrepancies that seemed to come out of nowhere. I even refreshed my browser, thinking it might be a technical issue, but the inaccuracies remained. Because of this, Im asking for a careful review of the documents Ive provided so that I can have peace of mind moving forward.
Product: Credit card or prepaid card

Barclay 's seems to delay posting of payments, perhaps to earn fees. This has happened a couple times, but they haven't charged me any fees ... until now. 

I mailed two payments onXX/XX/2021 : Check XXXX XX/XX/21 XXXX Check XXXX XX/XX/21 XXXX These checks should have reached them and been posted by the payment deadline of XX/XX/21. 

Today ( XX/XX/21 ), I received a statement incuding {$27.00} late fee and {$28.00} in interest. 

I feel like Barclay 's has intentionally chosen a payment address ( California - I'm in Illinois ) to maximize fees and interest. If they provided a closer payment address, payments would be subject to less delivery time variance. 

But I'm not convinced that is the only problem. I mailed both checks at the same mailbox at the same time. Yet they did not both post on the same day. So it appears that they do not necessarily post payments on the day they receive them. 

It all seems very suspicious to me. I do not feel that I should be penalized when I have mailed my payment 5 days before the due date.
Product: Vehicle loan or lease

I took a car loan from Gm Financial to finance XXXX XXXX XXXX. The monthly payment for the car note is {$430.00}. Everything was going well until I sustained injury from my work on XX/XX/XXXX. 

I notified GM Financial that I am not going to be able to pay the car note as usual due to my injury. As a result of this injury, I experienced a financial hardship. On some occasion, I opted out to pay interest only on the car loan. 

In XXXX XXXX, one of the car payment was returned by my bank. When I asked the bank why my check was dishonored, the bank explained what had happened, but, instructed me to resubmit another check in the same amount. That payment cleared the bank on XX/XX/XXXX. 

Subsequently, on XX/XX/XXXX, at around XXXX a.m.- XXXX a.m XXXX the car disappeared from my driveway. Early in the morning at around XXXX a.m, I called GM Financial to report of the missing car. The Customer Service Representative - named : XXXX ( XXXX ) informed that they are the one who repossessed the car because of non payment. XXXX told that in order to get the car back, I must pay XXXX, XXXX and XXXX XXXX, which is = {$1300.00}. As a result, on XXXX XXXX, I decided to pay all the money owed through XX/XX/XXXX = {$1700.00} including the XXXX XXXX transfer fees. 

On XX/XX/XXXX, I called GM Financial and spoke with XXXX XXXX XXXX XXXX, and pleaded with her to release my car. She said, that was not possible unless I pay a repossession fees of {$590.00}. In addition to that, she also demanded {$250.00} fees because the car is at the auction lot. 

All these happened amid harassing telephone calls and verbal insult on me. My response to XXXX was that she need to reconsider my financial situation and release the car to me so that I can have a means to go to work. She was adamant, and told me that they car is already on auction.
Product: Mortgage

My mortgage was being serviced by XXXX XXXX XXXX. It was transferred to Mr. Cooper on XX/XX/XXXX. I was notified by Mr. Cooper regarding the transfer. Since that notification I have been in contact by with Mr. Cooper by phone 9 times regarding a missing payment from XXXX and {$3000.00} in late fees assessed by XXXX. XXXX will not speak to my because I'm not their customer anymore. My mortgage has been on auto pay for years to prevent late pays. I never received any notices from XXXX. Each time I call Mr. Cooper the story changes. I was told at first this is a common problem when a company takes over servicing the loan and they had 60 days to get things corrected. My latest call to Mr. Cooper on XX/XX/XXXX they told me XXXX says I missed a payment 9 years ago and they have been assessing late fees each month because I'm a payment behind. They also said that I missed a payment in XXXX due to a broken stove that I had to replace. This is completely untrue. I have never missed a payment due to financial reasons. I have never received any notification of a missed or late payments from either company. I believe the auto pay which was recommended by XXXX gave the company the opportunity to charge late fees even though the payments were on auto pay. Which they said would avoid late fees. Mr. Cooper says they have a letter from XXXX that I was notified. I never received such a letter. I think it's possible both mortgage servicing companies are fraudulently charging customers late fees and missed pay charges.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX  XXXX  XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Debt collection

I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Payday loan, title loan, or personal loan

I called several times onXX/XX/2019 to complete my loan payoff and receive my title and lien release. I was told that I would not receive my title until at least a minimum 17 days but it could be 20-25 business days ... easily more than a month from now. I explained to each individual ... including an individual who identified himself as the floor supervisor and gave his name as XXXX XXXX ... that Illinois law REQUIRED them to release and return my title within 24 hours after payoff. Each individual I spoke to refused to acknowledge law an just repeated their in-house protocol.
Product: Debt collection

XXXX car sales took a loan out for a car purchase. I DIDN'T KNOW THAT I GOT A LOAN FOR THE CAR! NEVER GOT A CAR EITHER! 
XXXX then proceeded to accuse me off damages from a rental car I rented on a different occasion. This was all turned to the credit bureaus effecting my credit score. Also I got turned over to collections to add to it. I am owed for refunds that the damage recovery unit is not working on. XXXX from renting any longer ...... 
Credit is not good I CANT GET A CAR STILL A YEAR AND A HALF LATER. I AM DEMANDING THESE COMPANIES TO HAND OVER COMPINSATION!! I have no idea to do about my son and I getting a house. Not sure what to do about us another car!!! Please help me and my son back to the life of " normalcy ''. I don't have credit worth amounting to dirt. 
XXXX XXXX XXXXs continuing to do a loan appiin my name because I get denied letters often.
Product: Debt collection

I have 2 portfolio recovery collections accounts that were XXXX XXXX  accounts that I had removed months ago after disputing them Because they were not my accounts and recently they were added back to my credit and Ive talked to portfolio recovery and let them know that they were not my accounts.

One account is in the amount of {$550.00} XXXX XXXX The second XXXX XXXX is {$370.00} Its also a XXXX XXXX XXXX   account in the amount of {$1700.00} in which Ive been disputing for years and a XXXX   department store account in the amount of {$380.00}.

These accounts were opened by someone else using my info around the same times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect CURRENT ADDRESS : 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 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 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 Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

TD Bank NA ( XXXX XXXX Visa credit card ) debited my XXXX XXXX checking ( XXXX ) account {$7000.00} for the auto pay on XX/XX/2020 when my statement balance was XXXX ( I had previously paid it online to ensure I wouldn't go above my credit limit ). My XXXX  account went negative as a result and I was assessed a {$35.00} overdraft fee which TD Bank NA refused to pay. They also refused to electronically reverse the auto pay by crediting my XXXX account for that amount which had already been paid. I complained about this to phone supervisor XXXX ( ID=XXXX ) who refused to credit my XXXX XXXX card for the {$35.00} overdraft fee OR to reverse the {$7000.00} autopay by crediting my XXXX  account for that amount Copy/paste from credit card website : If we do not complete a transfer you authorize on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages to the extent required by federal law. 

For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance. 
http : //docs.tdcardservices.com/pdfs/online_servicing_agreement.pdf
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I verified with all three reporting agencies my address, name, and that this XXXX XXXX was NOT mine. XXXX removed it on my XX/XX/XXXX credit report as well as 3 closed accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX because they were all paid off at 100 % in good standing. I sent copies of the payoffs and even my lease showing that the XXXX account was at a location at which I never lived. I was also a victim of the Equifax data breach. All of these things have been verified over and over. I am literally losing my patience.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I attempted to obtain my credit report from Equifax through XXXX. However, I received no report. Instead, the screen displayed only a blank page under the Equifax logo where the credit report was supposed to appear. 

Despite multiple attempts to obtain the report, Equifax has informed me that the report has already been provided. As a result, I have not received the credit report to which I am legally entitled under the Fair Credit Reporting Act ( FCRA ). Additionally, this issue has resulted in one of my legally permissible requests being considered used, despite not having received the actual report. 

Furthermore, in correspondence with banks, I have been provided with specific credit score and credit report details, indicating that such information exists and is accessible to financial institutions. This discrepancy underscores that my credit report is available to banks, yet I am unable to access it. 

I am attaching screenshots of the blank screen and the agencys response asserting that the report was provided. I request that the CFPB investigate this matter to ensure compliance with the FCRA, facilitate the provision of my credit report, and address the issue of the unused request. 

Attachments : Screenshot of the blank screen received from Equifax. 
Correspondence from Equifax stating the report was provided.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Credit reporting or other personal consumer reports

Please refer to the attachment pertaining to Equifax data breach
Product: Credit card or prepaid card

I was charged on XX/XX/XXXX, {$230.00} XXXX XXXXXXXX XXXX, I was notified by AMEX through a text and immediately of potential fraud. I told them I did NOT make this charge and they assured me the charge was declined. Now I was charged and It was 100 % unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I AM A VICTIM OF IDENTITY THEFT! I have submitted my personal information as well as the Identity Theft report # XXXX from the FTC to your bureau. I am in total disagreement with your investigation response. The incorrect items listed still appear on my credit report, even after your investigation. I would like these items IMMEDIATELY REMOVED and for good cause. These inaccuracies are highly injurious to my credit rating. The following are inconsistent and incorrect and have been deleted by XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  # XXXX This is the information that is inaccurate on each account listed above. Open Date Closed Date Date of Last Activity High Balance * Please delete all non-account holding inquiries that are over 30 days old. * Please add a Promotional Suppression to my credit report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. Please provide The names and business addresses of each individual with whom you verified the information above, so that I may follow up. The date you contacted the individual furnishers of information. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address, or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for Capital One. This was a fraudulent inquiry and was NOT done by me. 

This ( Hard Inquiry ) is showing on my XXXX Credit Report AND on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX and XXXX multiple times. I have called Capital One multiple times. I have sent a letter & a follow up letter to Capital One. All of these efforts were made to report fraud and to have the hard inquiry from Capital One from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 

Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for XXXX. This was a fraudulent inquiry and was done NOT by me. 

This ( Hard inquiry ) is showing on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX multiple times. I have called XXXX multiple times. I have sent a letter & a follow up letter to XXXX. All of these efforts were made to report fraud and to have the hard inquiry from XXXX *removed* from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 


Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for XXXX XXXX XXXX. This was a fraudulent inquiry and was done NOT by me. 

This ( Hard Inquiry ) is showing on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX multiple times. I have called XXXX XXXX XXXX XXXX multiple times. I have sent a letter & a follow up letter to XXXX XXXX. All of these efforts were made to report fraud and to have the hard inquiry from XXXX XXXX  *removed* from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 

On XX/XX/XXXX I implemented a Freeze and a Fraudulent Alert on all of three credit bureaus. 

There were other fraudulent hard inquiries ( including XXXX from XXXX ) that were also on my XXXX credit report ( along with the ones above ) but XXXX was GREAT and removed ALL of the hard inquiries very quickly. 

I have already spent hours and hours on this since XX/XX/XXXX. 

I am writing to ask for your help to please have these three ( 3 ) fraudulent hard inquiries removed from my credit reports. 

Thank you!
Product: Vehicle loan or lease

XX/XX/XXXX- I leased XXXX XXXX XXXX 2016, Representative XXXX showed me the car with all the features but gave me a different one without any features. The one I brought home had only the basics and it was the same car. When I brought this concern to the supervisor and also to the few more representatives working there, they didn't address the issue. So, I managed to pay the whole lease even though it wasn't the car I picked. I was told that representative who sold me the car had been terminated because he cheated several clients. 

At the end of the lease XX/XX/XXXX, I emailed the company multiple times because I wanted to purchase the car and no one showed any interest. I was also at the dealership because I wanted to purchase the same car or maybe another car XXXX  XXXX, 2016 which I really liked. They said, someone will call me soon and no one ever reached out to me. I received a statement saying that I owe company {$1200.00} because the termination fee and I scratched the door. When I returned the car they actually inspected the same day and there wasn't any scratches. Also, the termination fee was never mentioned to me when I leased the car. I paid the whole lease off so I am not sure, why they want me to pay more money. I am an XXXX student and I have a lot of student loans to pay off so please help me out in this situation. 

Thank you, XXXX
Product: Debt collection

Eronneous charges from XXXX XXXX is {$160.00} on collections from XXXX XXXX. The charges are not accurate and is not associated with my service. The collections is posted to my credit by the company noted below : Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 've tried to contact them numerous times without response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported negative on my credit report and I requesting it be removed.
Product: Debt collection

Harris & Harris continues to robo-call me to tell me I owe a debt that I paid on-line on XXXX/XXXX/2014. I have phoned them TWICE with my confirmation number proving payment and asked them to stop calling me. Yet I get one phone call a day from them. Yesterday I received a letter from them telling me that they are reporting me to the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

The company Barclays Bank, put an inquiry on my credit bureau report on XXXX XXXX with no authorization from me.. I didnt apply for anything from them. XXXX XXXX XXXX XXXX  XXXX