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

My name is XXXX and I co sign on a car XXXX XXXX XXXX my friend filed bankruptcy on the car they charged it off and they still trying to makee pay I sent the request to XXXX and no answer I disputed it no answer
Product: Debt collection

I rented an apartment at XXXX XXXX XXXX FOR XXXX  MONTHS NEVER LATE BUT I HAVE HAD XXXX SUPPORT FROM MANAGEMENT FOR MY SAFETY-ASKED UPSTAIRS NEIGHBOR TO TURN MUSIC DOWN HE CAME TO MY APATMENT WITH HIS XXXX CALLED THE POLICE NOTING HAPPEN MUSIC STILL LOUD I AM A XXXX PATIENT STRANGERS SLEEPING IN THE HALLWAYS EVERY PROBLEM I WOULD LET MANAGER AWARE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OTHER PEOPLE WOULD PARK IN MY SPOT WOULD GET THEM TOWED BUT I DID NOT WANT ANY EMIMIES, I SENT THIS INFO TO MY LAWYER AND THERE IS A CLAUSE IN RENTAL AGREEMENT THE MANAGMENT DID IGNOR I HAD TO LEAVE I WAS SCARED THEY HAD XXXX  XXXX, XXXX XXXX NO ONE DID ANYTHING AFTER XXXX MEN SLEEPING INFRONT OF MY APARTMENT DOOR I HAD TO PUT A CHAIR IN FRONT OF MY DOOR FROM THE INSIDE OF APT.ICALLED FOR A SERVICE CALL FOR MY FURNACE ALOT  OF MOLD MAINTANCE MANSAID TO KEEP CLOSET DOOR CLOSED I COULD NOT DEAL WITH PEOPLE BANGING ALL HOURS OF THE NIGHT SO I LEFT THE APARTMENT. WITH NOTICE TO OFFICE.I TOLD OFFICE ALL PARKING LIGHTS ARE OUT NOTHING NEVER REPLACED LIGHT BULBS,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
AXXXX 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
Product: Credit reporting or other personal consumer reports

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/2023. XXXX on XX/XX/2023 and the other on XX/XX/2023 for the entire balance. However payment, didnt post to my credit card until XX/XX/2023, causing the 30 day late. Please see attached highlighted payment history from my XXXX XXXX transaction list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from TRANSUNION INTERMEDIATE HOLDINGS , INC . They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). 
Because the list of accounts below are not accurate. The high balance, last verified, date reported, date of last activity, date opened, closed date, and date of last payment is NOT 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.
Product: Debt collection

I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Checking or savings account

Robinhood closed and permanently banned my account and refuse to give me a clear explanation why, when I followed up, they didnt respond..
Product: Mortgage

mr. cooper mortgage company has taken incorrect amounts out of my escrow account for my XXXX XXXX 's XXXX as well as for my yearly taxes- as you might imagine, for way more than they were supposed to. 

I've contacted mr. Cooper via phone and chat now well into double digits and every time it's just more lies and deceit. My insurance company ( XXXX XXXX  ) threatended to cancel my policy due to lack of payment bc mr. Cooper didn't pay it out of my escrow account as promised. I contacted those XXXX and they told me we sent a check, oh well that its been a month and might bc lost. 

I kept getting jerked all around to departments without help. I was told that the payment was stopped and that they would send a new check. Finally, the check made it to XXXX in time before losing all of my insurance but then the first check is still lost. mr. Cooper refuses to cancel it and now my escrow account has a negative balance. They refuse to help of pay me the money that they stole from me. They haven't verified anything with me and just steal my hard earned escrow money. 

Additionally, they overpaid my yearly tax amount XXXX XXXX as well. I have letters proving the amount and they overpaid that w/o asking me before hand or verifying anything. They keep blaming XXXX XXXX and now the county- telling me that its my problem and figure it out with them. Meanwhile, my escrow account has a negative balance and I can't afford to pay for anything going forward because of them.
Product: Debt collection

Recently, I tried to apply for parent plus loan to help pay for my daughter 's college expenses. I was denied the loan amount because my car was repossessed from XXXX  XXXX  ( also known as BridgeCrest ). The car was taken and sold leaving a balance of XXXX. 
I requested a letter from this company to show that I have made more than 6 months worth of payments on this account. The company refused to return any communication and did not grant my letter. In addition, I notice that this account was forwarded to a legal collections account who has applied an extra XXXX to this debt. What? This is not my account.
Product: Credit reporting or other personal consumer reports

I disputed several inaccurate and unverifiable accounts with Equifax, including a mortgage with XXXXXXXX XXXX, a credit card with XXXX, and a derogatory account from XXXX XXXX XXXXXXXX XXXX which were reported incorrectly as late, open with a {$0.00} balance, or charged off. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy in the information they report.

After multiple dispute letters to Equifax, I requested that they provide the method of verification for each disputed account under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and the business name and contact information of the entities that furnished the disputed information as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). Equifax failed to comply with this requirement and continued reporting the erroneous information without proper investigation.

Despite my evidence proving the inaccuracies of these accounts, Equifax failed to remove or correct them. Their actions ( or inactions ) violate their duty to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a proper investigation and correct or delete inaccurate information once a consumer dispute is submitted. 

Examples include : XXXX XXXX XXXX : Listed as XXXX days late with inconsistent last reported dates across bureaus. This violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ), which mandates the deletion of unverifiable information. 
2. XXXX Credit Card : Incorrectly listed as open with a {$0.00} balance and inconsistent activity dates, violating the accuracy requirements under FCRA 1681e ( b ). 
3. XXXX XXXX XXXX : Reported as derogatory and charged off, yet no final resolution to the dispute is reflected, violating FCRA 1681s-2 ( b ).

Equifaxs refusal to remove these accounts despite their inability to properly verify the information as required by law continues to harm my credit score. Equifaxs failure to perform a thorough investigation is a violation of their responsibilities under XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. 1997 ), which requires credit reporting agencies to go beyond superficial checks and conduct a meaningful investigation when provided with substantial evidence of inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card works with XXXX XXXX They tell people to apply cause you have an excellent chance of acceptance and that it won't effect your credit and then run a hard inquiry on your credit and it's lowers your credit score. Many have complained of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have a negative account being reported on all three of my credit reports from XXXX XXXX. I have not had an account with XXXX since 2005. Their responses have been interesting. I requested validation of my debt and I did not receive anything with my physical signature. There is absolutely no original contract or paperwork. What they sent can be easily falsified and printed. This is not a validation of a debt. They gave me the run around. I requested proper validation twice with a response that they assume the debt is valid unless I do a third disputed letter. That's not how federal law works. I only need to send a request once. They also tried to give me the run around stating that they don't handle my account even though they're the ones reporting on my credit reports. It hasn't been very easy with them and at this point I am following my attorney 's instructions. I am reporting this to you, the CFPB, and the attorney general. I also request to get their Washington State 's representative 's contact information just in case I need to go to court. Thank you!
Product: Money transfer, virtual currency, or money service

At the beginning of XXXX, my roommate and I attempted to pay rent to XXXX XXXX using their promoted program " Flex ''. We sent the money, the money was taken out of the account, but was never transferred to XXXX XXXX XXXXXXXX now claims we never paid our rent for XX/XX/2023, despite being shown bank statements proving the agreed upon amount was taken out by Flex. We have made numerous attempts at contacting Flex to resolve the issue, but no response has been given. XXXX is threatening to evict us for not paying rent. We paid our rent, it's not our fault Flex didn't send the transfer like they were supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX. See Attached Documents. This corporation is in violation.
Product: Money transfer, virtual currency, or money service

I am encountering extreme delays using Coinbase. I was told that it would take 9 days to purchase Bitcoin from my bank account. This is quite a long time in the Bitcoin environment. All transactions that I have done that lost money from sending and receiving have gone through immediately. My last transaction, Coinbase added a 3 day delay, even though I have 2 factor authentication, which is supposed to protect my account. I see no reason for the delay except the company trying to gold the coins they are unauthorized to do. There is no response from the company. The say they need me to verify my identity... When I try to verify my identity, it always fails.
Product: Credit reporting or other personal consumer reports

I have been disputing with Experian for over a year now I have recently requested Experian to investigate accounts I believe that are inaccurate Experian has simply verified each account has accurate, I kept a copy and I will submit a copy to the cfpb, the very letter that I have submitted with various inaccurate accounts on them to be investigated. 

I am asking Experian to provide proof as to how they came up with each account being verified as accurate See documents in attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 



15 U.S.C States I have the right to privacy 15 U.S.C It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. 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.

15 U.S.C. 1681s-2 ( 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

I have repeatedly requested my signatures on the application of this debt. I keep asking how the debt was verified. I noticed that this company continues to re-age my account. They will not report it on my credit report properly.
Product: Credit reporting or other personal consumer reports

subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1681c-2 Dear Sir/Madam, I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) - XXXX XXXX XXXX XXXX - Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX  XXXX - XX/XX/2023 XXXX XXXX XXXX  - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( Original creditor XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( Original creditor : XXXX ) - XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of % E2 % 80 % 94I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier.Attached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.
Product: Credit reporting or other personal consumer reports

Please check the documents that I've sent. Please remove these inaccurate accounts.
Product: Credit card

I paid {$1000.00} on Suntrust personal credit card on XXXX/XXXX/2016 at the local branch. After I paid, the bank clerk gave me the confirmation numbers. Few days later, I received the confirmation letter on XXXX/XXXX/2016. However, I received the letter of rejected payment and charged me {$37.00} late fee. I called the credit card service and they said it was local bank 's fault. Therefore, I did visit local bank where I made my payment. Representative XXXX XXXX helped me to waive the fee through a conference call in her office. I received XX/XX/XXXX bank statement and they still have not cleared the fee. I called the credit card company once more they said they do n't have record so I have to revisit the local branch in order to remove the fee. I work XXXX to XXXX everyday. I ca n't visit twice due to my job schedule.
Product: Credit reporting or other personal consumer reports

I started receiving emails from a XXXX email stating that I needed to take action on my account. I had not seen these emails before as I have always paid my credit balance promptly. I also did not show a balance on my credit card. I contacted XXXX  customer service multiple times through phone and website customer service chat. I asked if the emails I was receiving were coming from a legitimate XXXX  email so ensure they were not a scam email. I send the email address and asked if it was a true XXXX email. I was told to ignore these emails as the email address was not from XXXX and that they would never send emails like these to customers ( I have attached screenshots of this conversation ). I did as they recommended. I continued receiving the emails but continued to be told to ignore them. I then noticed a decline in my credit score and upon my own investigation found that it was caused by my XXXX  account. I again called XXXX  and after a long phone call and asking them to dive deeper, they informed me that the emails were in fact from XXXX  and although my payments were on time, they were from a XXXX account. On the same call I changed the bank associated and continued paying all balances right away. I have attempted to dispute and request a credit correction from XXXX  twice and been denied each time.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed there were fraudulent accounts on my credit report. Please remove the fraudulent accounts from my credit report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX. The other two bureaus have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting
Product: Consumer Loan

I would like to report a lender ; CASHCALL INC. I took this loan in XX/XX/XXXX and they approved me for {$5000.00} when I originally only asked for {$2500.00}. They told me I could refund the rest of the money once I was approved. Then they made it extremely difficult for me to simply return the rest of the money ( I spoke with multiple representatives telling me different specifications ) that I ended up keeping it. Since then, I continued paying but I never saw the balance going down until I lost my job in XX/XX/XXXX and they are not willing to work with me in lowering the payment. They keep harassing me with the phone calls and offered to settle the debt for very high amount. I never noticed the interest rate was high or the terms of the contract. According to a recent letter, they send me, I still have XXXX payments left to meet the terms of their contract in the amount of {$370.00} each, which totals {$33000.00}. Finally, they charged off this account in XX/XX/XXXX and this is damaging my credit. They are now demanding to settle this account for a steep lump sum of money, which I do n't have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, 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.