23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX of 2015 I called Ally Bank and was asking about a refinance due to a job loss. 
I ended up doing a skip a month. However the agent put in the wrong que so I got charged for the refinance charge. I did not realize the mistake until I received a call about a pass due amount, which I did not owe. I have spoken to the bank several times, they have acknowledged they made a mistake, yet they will not remove the black mark. They tell they are but it does not happen. Last month I was turned down for XXXX new jobs because my credit rating dropped XXXX points. In checking, I see now that Ally reported me over 60 days late for a car payment, which is not true, its their mistake that is showing the error. I have called there to get this corrected but they just are not doing anything. I do n't know what to do and I need your help. Ally knows the mistake is on their end, but the collections do not take the time to read all of the history. This is causing me much distress and I am loosing jobs, that I badly need because of their neglect. Can I sue them?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00}
Product: Student loan

I have a Federal student loan serviced with MOHELA. I have been placed in an administrative forbearance due to litigation related to the SAVE plan. I was previously informed that during this period, interest would not accrue and that my interest rate would remain at 0 %. However, on XX/XX/year> at XXXX XXXX, I received an email from MOHELA notifying me that during periods of forbearance, interest continues to accrue. 

I reviewed the accompanying document that was uploaded into my portal and it showed an interest rate of 0 % but an accrued interest of {$5700.00} across my five loans. As I previously understood and given my interest rate is 0 %, I believe this amount should be {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SYNCB Sales Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry XXXX must be removed from my account immediately. 

The reports has been pending for a while and Im waiting the response from the identity theft department.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing credit report I noticed a collection account contacted the agency they sent out a validation letter I responded within 30 days in writing requesting all information regarding this account received a call one week later from one of the callers I once again asked for account information and was told they did not possess any original contracts documents or proper information about the account and they would request it from the original creditors 7 months later still no proof and its still being reported to the credit reporting agencies I do believe that they are reporting in error and are violations of the FCRA
Product: Credit card or prepaid card

XX/XX/2023 was a tough day finding out as I was visiting a relative with XXXX my XXXX XXXX along with my personal belongings including my Vystar Credit Card. Fortunately XXXX was understanding and completely complied requesting that I obtain a Police Report. 

I contacted the XXXX XXXX police department and an theft report along with fraudulent use of my Vystar Credit Union ( They advise 0 % Fraud Liability ). After contacting Vystar at the local office going twice because they added more transactions to dispute then required. The branch manager advised to obtain a Police Report & FTC Fraud report and within 10 days you will have a provisional credit for the loss so it not going to effect my availability. I thanked her and about a week later fax Vystar credit union back office the FTC Report & Police Report information about 5 times as the gentleman at XXXX was having trouble. Nevertheless Vystar was faxed the legal documents that I was originally requesting to send. I need to note this is around 10 days after I originally disputed the fraud.

To retaliate against me because of being victimized by fraudulent charges and because of my age and handicap ; Vystar closed the credit card and revoked my debit card charging capability. 

According to the FTC While the issuer is investigating your complaint, you can withhold payment on the disputed amount and any finance and related charges. But youre expected to pay any part of the bill not in question, including finance charges on the undisputed amount. 

The issuer may not take action against you for using your rights. The issuer can tell the three nationwide credit bureaus ( XXXX, XXXX, and XXXX ) that youre challenging your bill. 

But the issuer cant take legal action to collect the amount youve disputed ( or finance charges ) may not close or restrict your account ( THIS IS WHAT VYSTAR CREDIT UNION DID ) cant threaten your credit rating or report you as delinquent may not require you to pay your full balance immediately cant discriminate against you if, in good faith, you exercised your rights under the law to dispute a bill If your bill has a mistake, the issuer must explain to you in writing the corrections that will be made to your account and remove all finance or other charges related to the error. This plus more falls under the The federal Fair Credit Billing Act.
Product: Debt collection

I was sued by my wife 's father for money he loaned us in XXXX. I lost my job in XXXX when he sued. I did not go to court because it was not feasible. he Sued me in XXXX and was granted a judgement. XXXX XXXX hired a company Prospect recovery solutions. I got a call and he said I do not owe XXXX XXXX anymore but I owe him. I had no idea who this individual was. I asked him not to call me anymore. So he called my wife and contacted her by XXXX. Then he sent letters to the house, addressed to my wife. They are threatening letters. I am in possession of all. XXXX XXXX XXXX also contacted my Job. He talked to the HR Director XXXX XXXX and was asking personal questions about me. She did not answer any of those questions. I am very afraid because he threatened to come to my house. I have an attorney, to see what my rights are. He has pulled my credit report without my permission, he somehow knows what is on my tax return, and he has also reached out to my home town and has tried to cause disturbance there according to his letter that I have in my possession. I am afraid for my life and I hope someone can stop this indivdual.
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to see inaccurate accounts appear on my credit report with no clear reason. I regularly check my report, and this time I found unexpected discrepancies. I tried refreshing the browser, hoping it was a temporary glitch, but the incorrect accounts were still there. Im requesting a thorough review of the documents I submitted so I wont have to deal with this kind of worry again.
Product: Mortgage

I closed on my home in XX/XX/XXXX. At that time, I was told my monthly repayment would be {$2400.00}. I paid that amount every month, timely, as agreed. Just a year later, on XX/XX/XXXX, Wells Fargo sent me a notice that my loan payments would increase to {$3400.00} due to an escrow adjustment. That is over {$1000.00} more than my original payment- more than a 40 % increase! 

I submitted a qualified written request and notice of error with Wells Fargo on XX/XX/XXXX. They still have not provided me with an explanation. To the contrary, they have unilaterally granted themselves 3 extensions of time to respond to my request. Initially, they were supposed to respond by XX/XX/XXXX. I've called Wells Fargo several times to resolve this matter, but each time I am told they are still researching the issue. 

On one occasion, a Wells Fargo rep indicated that the increase was due to the tax on the property going from an undeveloped lot to new construction. That can't be accurate. This is NOT a conversion loan. Wells Fargo knew that this residential loan was for a newly constructed home. They extended the loan amount based upon the appraised value of a newly constructed home, not an undeveloped lot. Therefore, they knew that the taxes would be based on a newly constructed home, not an undeveloped lot. With this knowledge, Wells Fargo was responsible for calculating my loan payments ( inclusive of escrow ) on my new home. In fact, they were responsible for exercising good faith when calculating my loan payments to perform the ability to repay requirements as required by statute. Wells Fargo failed to act in good faith. Instead, they are pulling a bait and switch by offering a low monthly loan payment and then significantly increasing the loan just a year later.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}
Product: Debt collection

Account information XXXX XXXX account number : XXXX Balance due : {$450.00} Current creditor : LVNV Funding LLC LVNV Funding LLC account ending in : XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Original creditor account ending in : XXXX They keep sending me emails and various people to contact me to see what my income is and they keep wanting to know more information about me. Which I don't have to provide any details except what is needed in order to pay for the debt and at this current time I don't work and I apply to 3 jobs a week like I am supposed to and I still haven't got a job so that's not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I placed an XXXX order last year and tried for the longest to get my money back or a portion. I filtered out to have the whole HOUSE, and I found this. I thought it was a nice place, but it turned out to be a motel. I travel with a full, big-size XXXX XXXX, so when we leave her alone in the room, we request a home so there is no disturbance. Unfortunately, when we went there, you could hear literally everything through all the walls and doors. We didn't feel safe, and it wasn't what was listed in the description. I tried doing a dispute with the owner since we couldn't even stay one night, but she wouldn't provide any type of refund but only another location that's exactly like the one we are complaining about so she can " tend to our needs '' in this problem. After a long talk, she agreed to provide a small refund that was less than 30 % of what I paid but she never went through with it and ended up changing her mind and telling XXXX, no. I was I spoke with customer service multiple times stating that I was aware of the business but unfortunately, the listing was incorrect, and I would just like a refund. Afterward, they just declined everything, closed my case, and took my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing I owe XXXX when they have been paid, and the XXXX and XXXX accounts are preventing me from obtaining a car loan.
Product: Vehicle loan or lease

I purchased ( financed ) a vehicle in XX/XX/2017 and through the dealership, received a loan from Wells Fargo. Since then, I have been making monthly payments to Wells Fargo since I still owe money on the car. As a lien-holder, Wells Fargo has the requirement that in order to finance with them, you need to have full coverage insurance. I never had full coverage insurance and neither the dealership nor Wells Fargo informed me that I would need to. My car has since been totaled, but I still owe over {$5000.00} on it. Wells Fargo should have required that I have comprehensive and collision prior to allowing me to purchase the car. They are not requiring that I pay off the rest of the balance, despite their negligence in confirming that I had comprehensive and collision.
Product: Student loan

Initially I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. When I saw the email that she sent I called her, she explained that her call was because I was late with my payment. I asked her to give me a little more time because I was certain that I had made a payment sometime ago because the loan didn't actually mature until this year. I then emailed her and told her that I needed to know how much I was responsible for and when was the due date of the loan on going, as I never received any information. She gave me website address for University account services LLC a company that deals with their loan collection. We never received the terms of the loan the due date and now they are expecting to not mention that I paid {$250.00} on the account two years ago. I think that their business practices are not very good for communication and sketchy at best.
Product: Vehicle loan or lease

I am a business owner for XXXX XXXX XXXX with 6 employees, I am married to a US citizen and I have a legit employment authorization issued by USCIS and a SSN and waiting for my XXXX XXXX, I worked over $ XXXX last year. I recently added 2 trucks to my fleet and I needed 2 more trailers so I applied for loan from SHEFFIELD FINANCIAL with a credit score of XXXX to which I was denied for not having a XXXX XXXX even though I have authorized XXXX XXXX and I feel like this is discrimination because I qualify and I am even willing to put any collateral down but they did not accept.with this I want to know how best this can be solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called and tried to dispute hard inquiries that were unauthorized on my credit file. I was told by the representative I spoke to that he would be able to remove them. We went through the hard inquiries together and he said they would be removed in 24 hours. The hard inquiries were not removed. 

I called again XX/XX/XXXX I told the rep. what had happened when I called the last time and she said she would be able to help me remove the unauthorized hard inquiries and we went through the process, she said they would be removed in 24 hours and they are still on the credit file. 

Here are the fraudulent hard inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX I have not filed for any credit cards, or car loans in the last 4 years. I believe i am a victim of identity theft as there are several accounts on my credit file that I have disputed already - the disputes are in the dispute process. I filed a police report with the city that I live in and I have attached proof as well as the incident number
Product: Debt collection

This is in reply to companys rely the company says they talked to me in XXXX of 2018. The company should be able to show proof of this interaction! Recording of this phone call proof of payment statement by law it is my right to receive these statements the company should be able to provide original signed statements of these transactions form the courts reporting payment history and any other proof supporting their statements!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, Security Finance, in XXXX, Al, performed an unauthorized hard inquiry pull on my credit. When contacted and questioned about this issue, they advised they pulled my credit because my payment was late and they had an outdated phone number for me. I told them that wasnt a reason to pull my credit, as they had my email and failed to try to reach me there.. they then gave me the number to their customer relations department for further assistance. I called that department and they advised they could pull my credit if my payment was 30+ days late, which I confirmed it was only 19 days late when they pulled my credit, and I had already scheduled the payment to be paid online. The agent with the customer relations department escalated the unauthorized pull to a supervisor and I havent received an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of XXXX XX/XX/2019, from bank I have never heard of. The reason for reporting was account abuse the amount of the charge off is {$240.00}.
Product: Debt collection

XXXX XXXX XXXX has been attempting to collect a debt, for which I claim no liability associated, regarding an account from XXXX XXXX where the last payment made was before XX/XX/XXXX. Official correspondence from XXXX XXXX shows that the number I had held previously with them was likely sold to another customer based on a collection attempt from XX/XX/XXXX. The final collection attempt from XXXX XXXX was on XX/XX/XXXX. 

My most recent credit reports show that Jefferson Capital has reported the start date of the debt as XX/XX/XXXX which is incorrect. 

Based on the Arizona statute of limitations, this alleged debt would have expired six years after the final payment ; either on or before XX/XX/XXXX. It has also been over seven years since XX/XX/XXXX. As such, I am requesting that XXXX XXXX XXXX stop their collection attempts and remove the previously aforementioned collection from each of the credit reporting bureaus ' records.
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. 

U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX U S DEPT OF ED/GSL/ATL : XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX I looked at my experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer reporting it shall follow reasonable procedures to assure maximum possible accuracy of the of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 information, other than records of convictions of crimes which antedates the report by more than seven years.

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 the believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is unlawfully placing redundant data in the comments section on my Credit file. 

It is unfair and it is junk data. 

I demand that you delete this XXXX account from my credit file because XXXX keeps violating my rights. 

View the attached document- clearly junk data A the account already says charge off - they dont need to say it again in comments- They have done this for years and the NC DOJ wants to see my report. 

If XXXX is still on my credit reports when I wake up on Tuesday morning I am reporting XXXX to the NC Bar Association, and the NC Department of Justice.