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

Chrysler Capital along with its parent company Santander, utilizes unethical if not illegal practices in the way they misrepresent the handling of unpaid fees and charges. For example whenever I called to inquire about my bill, the representative would always quote the total amount due including unpaid fees and charges. It took a long time for me to figure out that paying the quoted amount did not eliminate the unpaid fees and charges. Once I realized what they were doing, I finally called to complain that the representatives are misleading the customers by making statements as follows : the total amount due including unpaid fees and charges is $ XXXX. They explained that I would need to make a separate payment specifying that it be applied to the unpaid fees and charges. But, the representatives dont explain that technicality when misrepresenting the total amount due. 
For example, I have attached the XX/XX/XXXX & XX/XX/XXXX statements. ( I couldnt find XX/XX/XXXX statement. ) In XX/XX/XXXX, I made the full payment including unpaid fees and charges. I noticed the unpaid fees and charges carried over into the next month. I called and protested the way the payment was applied. The representative tried to convince me to not payoff the unpaid fees and charges. After speaking to a supervisor, they finally broke the payment up to make sure unpaid fees and charges were paid. I wonder how many times this happened during life of the loan. 
My loan was originated XXXX of XXXX for {$16000.00}, with the final payment scheduled for XXXX of XXXX, which is this month. However, the current balance on the loan is {$10000.00}. I received a few extensions but not {$10000.00} worth of extensions. On Tuesday XX/XX/XXXX, I spoke to XXXX ID # XXXX and asked for copies of statements from the inception of the loan to the present. I was advised that they can only provide statements for the most recent 12 months. They are able print a history of payments but not the actual statements. 
I would like for a financial forensic accounting to be done on my loan. If its found that I have been overcharged as a result of this unethical practice, I would like to be compensated for these charges.
Product: Credit reporting or other personal consumer reports

Given the recent findings by the Consumer Financial Protection Bureau ( CFPB ) that Experian has allegedly conducted " sham investigations, '' I am particularly concerned that my dispute will be handled appropriately. I request confirmation that my dispute will receive a comprehensive and genuine review. 

Please acknowledge receipt of this dispute and keep me informed of the investigation 's progress. If the investigation confirms the disputed information is incorrect, I expect Experian to promptly remove or correct the information and send me an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company XXXX XXXX XXXX and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have mailed letters to XXXX, Experian, and XXXX several different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that once the consumer states the account is not theirs it is to be removed. Also valid proof of the account ownership is to be given as well. A 3rd party company can not speak for a person or consumer so responding with a automated response is violating the law. I noticed some added addresses not associated with me that popped up on my credit report and a late payment that surely never happened on my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report I found inaccurate information. The information is incorrect and needs to be removed.
Product: Debt collection

I have disputed this via the credit bureaus several times. I did not have an account with XXXX. Jefferson capital keeps updating the date on this account going into default to keep it valid from the statute of limitations.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against PennyMac Loan Services , LLC regarding their inaccurate credit reporting and mishandling of my mortgage forbearance and repayment plan. Despite my proactive request for forbearance and compliance with all agreed-upon terms, PennyMac misreported my loan status to the credit bureaus, causing serious harm to my credit standing. 

Details of the Issue : 1. I requested to be placed in a disaster forbearance plan, which was granted by PennyMac. 
2. PennyMac assured me that my loan would be reported as current while in forbearance and later transitioned me into a repayment plan. 
3. Despite following all terms of the repayment plan, PennyMac reported my mortgage as 90 days delinquent between XX/XX/XXXX, and XX/XX/XXXX. 
4. This contradicts the terms of my forbearance agreement and repayment plan and has damaged my credit standing without justification.
Product: Credit reporting

In XXXX I applied for a short term loan with my financial institution XXXX XXXX XXXX XXXX XXXX XXXX. I have been a member of this banking organization for 40 years. The application was not approved, due to a credit report received from Experian. Several visits to the credit union attempting to resolve this issue were unsuccessful. I was advised that this was an issue which I needed to address personally. I submitted a dispute on-line and a phone call but continued to get the same results. After complaining to my credit union again, they submitted a formal dispute to Experian, because they should have been listed on the credit report. Final results was on last week produced promising resolution. After three ( XXXX ) months of disputes, someone discovered the truth.
Product: Debt collection

After I started to dispute this account. I started recieving threatening text messages stating if I do settle they will seek legal action. Also when I had my account with them and when I needed to make payment arrangements I was being charged for the payment arrangement. 
They have also sent me letters stating Iam preapproved for store credit trying to trick me into contacting them. The amount they are stating I owe is way more then the original amount. It has been almost 7 years since I opened up this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The referenced accounts have been reporting on my consumer credit file in error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer Usa is under litigation. Nationwide class action lawsuit /settlement numerous of inaccuracies reporting Dates, Amounts, & actions to address the issue by me to the company and through the credit bureaus are attached.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX, herein referred to as CRA 's are required by law to properly investigate and correct any inaccurate information on a person 's credit report. However, the CRA 's have not fulfilled this legal obligation under the Fair Credit Reporting Act ( FCRA ). They have failed to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ), a government agency that oversees consumer protection laws, has filed multiple lawsuits against the CRA 's for violating previous agreements with the CFPB in relation to failure to ensure accurate credit reporting for tenants and has not adequately notified consumers about the outcomes of their disputes. 

These failures align with my personal experience. Despite providing evidence to support my disputes, the CRA 's have neither corrected nor removed the disputed items from my credit report. This inaction has caused ongoing harm to my credit standing. I am requesting immediate corrective action from the CRA 's to remove or amend the disputed accounts from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was XXXX.TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$150000.00}
Product: Credit reporting or other personal consumer reports

RECENTLY I PULLED MY CREDIT REPORTS BECAUSE I WANTED TO APPLY FOR A MORTGAGE AND REALIZED THAT I HAVE A PUBLIC RECORD ON MY CREDIT REPORT. I HAD A BANKRUPTCY BUT I NEVER HAD A BANKRUPTCY IN MY LIFE. I NEED THIS REMOVED IMMEDIATELY. I HAVE A RIGHT TO PRIVACY AS A CONSUMER AND XXXX, EQUIFAX AND XXXX ARE VIOLATING MY RIGHTS. I DIDN'T GIVE THEM THE CONSENT TO FURNISH THIS INVALID AND INACCURATE INFORMATION ON MY CREDIT REPORTS. THIS IS UNFAIR AND AFFECTING ME TREMENDOUSLY WITH THE BANKING SYSTEM AND THIS IS ALSO RUINING MY REPUTATION. I DEMAND THIS GET REMOVED NOW
Product: Credit reporting or other personal consumer reports

Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account.

Account Type : Home Equity Creditors Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. 

Thank you.
Product: Debt collection

On two different occasions less than a week apart, I was contacted by the same debt collection company ( RSH & ASSOCIATES , LLC ) trying to collect a medical debt from two different people to my email address. First communication was XX/XX/XXXX XXXX XXXX, regarding a debt for " XXXX XXXX ' for {$65.00}. the seecond one was on XX/XX/year> XXXX XXXX  for {$62.00} regarding a debt for " XXXX, XXXX ''. Further, the second email confuses the two different debts being collected, for different amounts and different people, as a pdf in the second email references the first collection amount and name, but the email text references the previously mentioned different name and amount.
Product: Payday loan, title loan, or personal loan

I took out a loan with Omni Financial in XX/XX/XXXX and it eventually went into a charge off status in XX/XX/XXXX with a balance of {$3500.00}. Every month since then they have been charging me all types of fees and reporting it to the Credit Bureaus to now my balance is up to XXXX. 


If the balance is was charged off how can they still add all of these fees to a loan. I have tried calling them but it only sends me to a collection agency that has been nothing but RUDE! I tried sharing I went through a XXXX  divorce and am XXXX XXXX XXXX from the VA. 

I am in the process of trying to purchase my first home and having this increase monthly with fees is damaging my credit score.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NOTICE FINAL Warning to stop engaging in Unlawful, Fraudulent, Extortion and RACKETEERING activities. You have violated my consuner right to privacy by FRAUDULENTLY gaining access to my nonpublic personal financial information without my consent or lawful authority.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
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
Product: Money transfer, virtual currency, or money service

XXXX through Wells Fargo took {$3500.00} from my account and deposited it to an unknown account without my consent.
Product: Money transfer, virtual currency, or money service

I been trying to link to bank want let me I call bank they say no issue call u guys let u know it wasnt the bank with issue not problem still havent been solved
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, there is some information on my consumer reports that I did not consent to.
Product: Debt collection

I received an invoice indicating that I owed {$6200.00} to XXXX XXXX  Acct number ending in XXXX on an acocunt between XX/XX/XXXX and today. I received this notice in the XXXX mail on XX/XX/XXXX. I have never borrowed from XXXX XXXX  or XXXX XXXX XXXX, the other creditor listed on their website. I believe this invoice/bill to be bogus and an attempt to scam a senior citizen. Until today, I have never received any form of communication from this company. I will contact them tomorrow but I can confirm I have never heard of this company and have never borrowed any money from the creditors they represent. This debt is not legitimate. This debit is not and has never been listed on any of my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had about XXXX in crypto in my account In the evening of XX/XX/XXXX my money was gone and there was XXXX Bitcoin The XXXX was an attempted charge on my debit card that thy fronted in my account but is denied because I dnt have those funds After dealing with my bank it seemed like my acct was compromised Coinbase keeps telling me about insufficient funds in my account to fund the XXXX Bitcoin purchase when ch was not me But still has not responded to where my XXXX dollars went Where and who stole my money
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was approved for a Covid 19 deferral of payment through XX/XX/XXXX. I have an email dated XX/XX/XXXX stating such. My mobile banking app reflected no payment due on XX/XX/XXXX, my due date, until yesterday. I have spent 5 hours trying to straighten this out with representatives giving me misinformation, hanging up on me, being rude, questioning my illness. Bank of America admits that they approved the deferral but will not remove the payment due. Its unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$9000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account : XXXX, XXXX, XXXX, XXXX. 

XXXX XXXX XXXX Accout XXXX is a closed account showing Inaccurated information it's not being reported with all 3 credit bureaus XXXX XXXX XXXX this is a collection account that is showing Inaccurated information it's not being reported with all 3 credit bureaus Is in vilation of 15 U.S. Code 1666B, 15 U.S. Code 1681 Section 604 A Section 2.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ct, XXXX, Tx XXXX XX/XX/year> MONEYLION INC XXXX XXXX XXXX, XXXX UT XXXX Account # XXXX ORIGINAL CREDITOR : MONEYLION INC Subject : Cease and Desist Request for Deletion of Collection Account Dear MONEYLION INC, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Credit card

Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.
Product: Debt collection

CONVERGENT is trying to collect a debt that is not mine. According to XXXX this acct was not opened with no date of birth or social under their no credit check program. my name is a common and and I also have a cousin with the same exact first middle and last name. I am requesting this to be removed because this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my Transunion report that I did not authorize. They are fraudulent. I tried resolving it with Transunion but they will not remove the inquiries. Ive attached a screenshot of the listed inquiries.