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

I just reached out today as i was creating this dispute they told me that i never updated my address when the address was updated
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention unresolved errors on my credit reports maintained by XXXX, XXXX, and Equifax. Despite my efforts to correct and update this information last year, the inaccuracies remain uncorrected. 

On XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, I submitted disputes and corrections to XXXX, XXXX, and Equifax regarding inaccuracies of Individual Living man name, old addresses, incorrect information charge off bad debt and vehicle was voluntary return to Dealer and Remove inquiries. As of today, these errors continue to appear on my credit reports, harming my credit score and financial well-being. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a responsibility to investigate and correct inaccuracies within a reasonable period, typically XXXX days. It has been over a year since I initiated the dispute process, and I have yet to see the necessary corrections. 
However, given the significant lapse of time since my initial dispute, I urge the FTC to investigate this matter and compel XXXX, XXXX, and Equifax to take immediate action to correct my credit reports. 

I request that the CFPB take the following actions : Investigate this matter and verify the accuracy of my credit reports. 
Direct XXXX, XXXX, and Equifax to correct the disputed errors immediately. 
Take enforcement action, as necessary, to ensure compliance with the FCRA. 
I have attached supporting documentation, including [ list attached documents, e.g., dispute letters, responses from credit reporting agencies, proof of identity ]. 

Thank you for your attention to this matter. I look forward to a prompt resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests for XXXX and Equifax to delete the inaccurate information in my credit file regarding XXXX XXXX XXXX account number XXXX. The Court approved a settlement on XX/XX/XXXX, which I am bound by the final judgment and the release of claims in the agreement : 1 ) Cease all efforts to collect deficiency balances from the class members 2 ) Update account records to reflect a XXXX balance on all accounts on which assessed a deficiency balance 3 ) Instruct credit rating agencies to delete trade lines with respect to their accounts. XXXX deleted this information in XX/XX/XXXX but then allowed XXXX to furnish the erroneous information in my credit file again without notifying me. Under FCRA it states that if the item is reinserted then the credit bureaus have to provide you with a written notice within 5 business days. The credit bureau must investigate any information you feel is incorrect. If the information proves incorrect, the agency must remove it from its files and, on your request, inform those who have received the information that it has been removed.The alleged audit or review did not verify the accuracy of the balances claimed were owed because XXXX did not evaluate whether fees were correctly assessed and did not perform a complete audit or review of the account for error. DISPUTE 1 ) XXXX modified terms of the contract without written notice : In XX/XX/XXXX an extension contract was established and was written to terminate on XX/XX/XXXX. Unbeknownst to me, XXXX altered the maturity date again to terminate XX/XX/XXXX. At the time of this agreement, the loan had 54 months remaining. XXXX added an additional 6 months to inflate the principal balance. DISPUTE 2 ) The account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when the account first became delinquent. The correct delinquency date is XX/XX/XXXX. DISPUTE 3 ) The Court ordered XXXX to refund back all the interest already paid that was above the amount a car-loan lender in Ohio can legally charge you or forebear all collection efforts. XXXX has not adjusted the balance and XXXX refuses to comply with the judgment order to delete this information from my consumer file. The monthly payments were {$450.00} and 25 % ( {$220.00} ) was applied towards finance fees. The reporting account balance and its entirety is inaccurate and as ordered should be deleted from my credit file. I also called them and they refuse to investigate it again.
Product: Mortgage

I am repasting my original complaint that was disputed and never resolved. The CFPB claims to be following up on this but it has never produced a response to my dispute. 

Describe what happened so we can understand the issue ... 
In XX/XX/2014, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account twice. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on one of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XX/XX/XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XX/XX/XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them. 
Consent to publish the description of what happened? Consent provided Which part of the mortgage process is your issue related to? 
Problems when you are unable to pay This is about Conventional fixed mortgage
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TRANSUNION will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX ( account number XXXX ).
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$12000.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00}
Product: Checking or savings account

On XX/XX/XXXX, my account was frozen. I was not notified as why then later that day I got an email saying my account was permanently banned because I did something against the user agreement they could not tell me what was the user agreement now that my account is banned, I was trying to get my {$2800.00} out but they said theyre holding it for 180 days and Im a single mom thats all the money I have. I dont have a job right now I dont know how to feed my kids and they said theres nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. 

To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. 

I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. 

If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a balance due of {$6800.00} on the XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about 30 inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XX/XX/2019 along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.
Product: Vehicle loan or lease

I got a loan for a used vehicle from VW Credit at the auto dealership XXXX XXXX in Utah. On XX/XX/2018 XXXX XXXX pulled my credit score and then did it again XX/XX/2018. VW Credit also pulled my credit score on the same day XX/XX/2018. I was not aware of these multiple pulls until I recently applied for a credit card and I could not get approved because of having so many hard inquires in such a short amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Lexisnexis on XX/XX/2020 to file a dispute for inaccurate information on my report ( such as : misspelled names, addresses and bankruptcy ). They did not complete the investigation within 30 days. I called back on XX/XX/XXXX to check the status and was told it was still within 30 day time frame for investigation and would be complete around XX/XX/2020. On XX/XX/2020 I had not received any investigation results and called customer service to report the non response and the rep told me that they could not print my paperwork so they had not been able to mail my results. They are in violation. I expressed in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. The rep stated that all info was suppressed and I would be receiving these results in the mail within 10 business days. I have not received anything in the mail removing the above inaccurate information I disputed on XX/XX/2020. I am asking that all inaccurate names, addresses and bankruptcy be removed from this third party Lexisnexis report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of m y Credit repor ts. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible
Product: Checking or savings account

I was unable to find a category relating to my issues as it relates to adding beneficiaries to my checking and saving account. 

On XX/XX/2023, at about XXXXXXXX XXXX at the stand alone Huntington Bank in XXXX, Minnesota I attempted to add beneficiaries to my accounts. I attempted to do the same about a week before at the XXXX XXXX, Minnesota XXXX XXXX location. I was told that I had to provide the social security numbers of the names of the beneficiaries I wanted to add. I told the female worker that I would not provide that social security numbers as it's unnecessary. She then referred to the manager who was at the window next to me. He told me that it's a regulation of Huntington 's and the social security number is needed. He added that when it was XXXX it wasn't required but Huntington requires it.

I believe this is a violation of 42 USC 408a ( 8 ).

In addition, Huntington is swiping and or entering the driver 's license number when a guest is doing a transaction. I feel providing it should suffice.

I appreciate the help of the CFPB to look into these matters.

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit card or prepaid card

I have a XXXX XXXX credit card which I am unable to use. I have been paying {$100.00} a month for over a year but the amount owed never goes below {$700.00}. I have had several issues with Comenity Bank and I really can't deal with them. I'm XXXX XXXX XXXX and every time that I have called them my XXXX and XXXX XXXX elevates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Student loan

I submitted my third XXXX XXXX XXXX to XXXX on XX/XX/year> and they received it on XX/XX/year>. My application was denied on XX/XX/year>. 

In my application, I outlined new evidence confirming XXXX XXXX, XXXX told their students in writing they were beginning the XXXX XXXX process. I also provided evidence from a law suit against XXXX XXXX, XXXX detailing the XXXX XXXX process never started and XXXX XXXX, XXXX never contacted XXXX nor XXXX. The plaintiffs for the law suit won and were financially compensated. The evidence I provided clearly indicated XXXX XXXX, XXXX lied to their students, mislead them, and engaged in egregious misconduct. I explained the harm this caused me professionally as well as financially. By the time I discovered XXXX XXXX, XXXX would not be XXXX XXXX  it was too late for me to drop-out as I was so far in debt with student loans and starting over with an XXXX  XXXX XXXX would have created even further debt. 

The reason for my denial was vague and generic. Upon my second School Misconduct Application denial, I spoke to XXXX XXXX, Customer Advocate for XXXX, and she explained what I needed to include in my next application. I included all she requested and more. Based on the information she provided and the evidence I included, my application should not have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

False repossession and delinquent accounts plus a whole bunch of credit inquiries on my experian, XXXX  and XXXX which are not mine. I've been wasting alot of my valuable time just on the phone and disputing
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. 
: XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. DEPT OF EDXXXX Inquiries : XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 115 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 an account without my written instructions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- @ ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Receivable Management Services has begun sending me letters and phone calls about a debt related to XXXX ( XXXX ). The first time they called, I informed then that the debt was not valid and no legal binding contract was signed. They submitted a validation and returned back to me an invoice for less than XXXX XXXX  in euro dollars. However on their latest call to me on XX/XX/11, they attempted to collect over {$100.00} dollars. the conversion of XXXX euros to USD is roughly {$47.00}. Additional XXXX via email claims I owe them XXXX. However they shut off online access, and I have no way to reconcile how they come up with that figure, and RMS will not send me the accurate account history either. The account with XXXX was a pre-paid account and they continued to bill me and can not show how they come up with their figures. I must just trust what they decide to email back to me which is then different from what RMS wants to send back to me. When dealing with XXXX  directly, they suddenly demand i send it to them via wire transfer claiming i only owed them ( XXXX ). Then when i told them to get bent that i would never wire any company money, then the amount changes to XXXX. So do i owe XXXX, XXXX, XXXX ( invoice RMS sent me as " validation '' ) or their $ XXXX they told me on the phone Saturday? nobody has the right amount! 

Additionaly this all started because XXXX would not let me back into my account to ever cancel services. Something they are known as you dig into online reviews. So in the end, they stopped my online access, prevented me from canceling, sent me bills for services i did not want or need, submit the account to RMS for different debt amounts, fail to provide accounting records to review their claim.
Product: Checking or savings account

Citizens bank had messed up and the calculations of things taken out and the proper time line which caused fee after fee the whole amount of {$1700.00} is all fees and the sent it into collections.The fees also ate {$800.00} before it started collecting more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a collections account 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 : Also States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from anualcreditreport.com where it clearly states " During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, XXXX  and XXXX  are continuing to offer free weekly credit reports. '' I was unable to process it on line so I requested by mail. I received a letter ( attached ) that I had to pay because I have already received a report in the last 12 months.
Product: Debt collection

This store credit card was opened XX/XX/16 while I was a XXXX XXXX XXXX and I used it to do some car repairs. The balance owed is more than I ever agreed to and I dont agree all the charges are mine. I disputed this with the creditor and the debt collector multiple times but havent been helped and now their threatening me in court without verifying everything.
Product: Debt collection

They called my neighbor, whose telephone # I do not even know. asking for me. My debt has been all placed in a debt remediation program and all calls are to be directed to that agency.The name of the company is MCM. The telephone number is XXXX
Product: Debt collection

Third Party Debt Collector : PAYLIANCE Original Creditor : XXXX Transaction Date : XX/XX/2023 Amount XXXX Type of Transaction is a Check I don't know what this is : The original creditor is XXXX, an online Horse Racing Company. I have never bet on horses and I have never even heard of this company until now when a got a notification from XXXX XXXX that PAYLIANCE reported this on my credit. This a a fraud. It is apparent that XXXX neglected to do their due diligence. I have NEVER written a check to this company!