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

American Credit Acceptance has repeatedly denied me a lower monthly payment even in the face of extreme hardships. They reverse my monthly payment of {$460.00} & its given towards the interest of the loan. Plus they add extra fees every month and before I lost my job I was paying my monthly payments on time & the company never reported it to the credit bureaus but since my payments have been late, they report it every month!! I put {$7900.00} down on this {$20000.00} car and have paid over {$10000.00} towards my car yet I owe more money than I did when I purchased the car!! I owe {$17000.00} as of XXXX XXXX!! Some of my payments I made have been stolen and theres no accountability for the blatant disregard of fraud!!! The site clearly states if your experiencing hardships they will help you but I dont qualify even when the car loan wasnt past due, I didnt qualify!! This financial institution has royally ripped me off!! How can I owe over {$17000.00} after 2 years of payments in the amount of {$460.00}?! Its a complete disregard when Im diligently trying to make a payment and pleading for a lower monthly payment and denied!!! The company repossessed my car on XXXX XXXX & after I paid all the fees plus the outlandish towing fees I couldnt pick my car up for an additional 4 days plus American Credit Acceptance is acutely aware when the car was towed off the property but states my car was towed on XX/XX/21!! The shady financial company & towing service are corrupt!!! They refused to rectify the false information!! I filed a police report the night my car was towed and sent the report to the financial institution plus the towing company and both companies refuse to make the corrections!!! Incomprehensible at the level of fabricating information these companies have displayed!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, for two months they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. This account has been closed for 5 years but it is still affecting my score. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  XXXX   XXXX   XXXX  have not received my credit report through the mail as requested. I just tried to request it again. I keep getting an interruption that my credit report has already been sent. I have not received my report in the mail as requested by any of the  XXXX  credit bureaus. Please help me get all   XXXX   of my annual credit reports.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WY  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I called the company XXXX XXXX about this inquiry, stayed on the phone for more than an hour and they could not find me in their system. 

Then I also disputed this with Experian but they won't do anything about this. 
I filed a report on CFPB on XX/XX/2023, which included a notice that there were 2 such inquires from the same company Ally Financial with 2 different addresses and BOTH of these were NOT mine as I have never had any relationships or applications with ALLY. 

XX/XX/XXXX -- I was informed and found that only XXXX XXXX  inquiry was removed -- the XXXX address. 

I just called Experian and one of their associates said they won't remove this item because its an Inquiry. This is WRONG. Its not my inquiry and its a violation of the law. 

I need that other XXXX XXXX  with the XXXX MI address removed immediately as well.
Product: Debt collection

I filed bankruptcy in 2007 and specifically added the loan for XXXX i even had to meet with the judge to get this discharges and the judges discharged it and yet the collection agency refuses to acknowledge it the keep harassing me and taking my funds out of my bank accounts as well as my tax returns.I have sent them copies of the bankruptcy but they refuse to acknowledge it
Product: Mortgage

On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from XXXX XXXX XXXX. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted XXXX XXXX XXXX   to be aware that my mortgage which is under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that Bank of America must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with XXXX XXXX XXXX they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

Bank of America/XXXX XXXX / XXXX XXXX XXXX   have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that XXXX XXXX XXXX as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report under the protections granted by 15 U.S. Code 1681c-2A. 
I recently discovered unauthorized or fraudulent accounts and/or inquiries on my credit report. These accounts were established or attempted without my knowledge or consent and are the result of identity theft. Specifically, the disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In compliance with 15 U.S. Code 1681c-2A, I have enclosed the following documentation to support my claim : A copy of a valid driver 's license A copy of a police report or FTC Identity Theft Report ( FTC Report Number : XXXX ) Under the statute, you are required to block the reporting of information that is the result of identity theft within four business days of receiving this notification and the accompanying documentation. I kindly request written confirmation that the disputed information has been blocked from my credit file. 
Additionally, please provide an updated copy of my credit report reflecting these corrections once the fraudulent information has been removed. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please contact me.
Product: Payday loan, title loan, or personal loan

Acct is past statue of limitations - debt was canceled with XXXX XXXX - reporting same debt twice on my credit report - only had one loan out with this credit did a refinance.
Product: Debt collection

On XX/XX/2019 an account from XXXX  XXXX XXXX XXXX XXXX for {$730.00} was opened but due to hardship from Covid-19 I reached out about payment options but nothing was extended to rectify this account. I reviewed my consumer report and notice it is reporting major errors. How can the account status report open/closed at the same time and it is showing late 120 days and it is now charged off? This does not seem right at all. 

The debt collection company name is Trident Asst but the original creditor is from XXXX XXXX XXXX XXXX XXXX. I am doing what I need to get this account rectified but they are stating verified but no actual proof.
Product: Debt collection

This debt was for a chase card that my wife had. We fell behind due to medical bills so they sent us to a debt collector. XXXX XXXX XXXX they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.
Product: Student loan

My loans were switched from XXXX XXXX to Nelnet. Once that occurred, it took forever for the loans to transfer resulting in my credit being affected. Then I applied for the SAVES income driven repayment option. This has been processing for MONTHS. I keep getting automated emails that it is still in process, that they are behind and my account has been placed on administrative forbearance. Now my credit is once again being affected as my loans are now accruing more interest during this administrative forbearance. This is completely unacceptable for this company. I NEVER had issues with my credit with XXXX XXXX. This needs to be resolved. Is this even legal for them to drag their feel to continue charging us more and more interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

Financial Credit Network place a debt on my credit without properly notifying me never received a call nor a letter regarding a debt it just showed up on my credit was not afforded due process to to let the agency know I had health coverage and my insurance company should have been billed for this debt. I had a car accident in XX/XX/2019, the ambulance never asked if I had insurance and only asked for my social security number, the city never billed XXXX for the services according to XXXX as they should have, with my health care provider XXXX a year passed, and according to XXXX if they can not bill after a year ( not sure why the delay ) according to XXXX they have to swallow the bill. The bill was sent to collection since they did not exercise due process- the collection agency just placed on my credit never notifying me of any such debt, and refused to remove it from my credit unless I paid the debt of {$860.00}, that my insurance provider was suppose to pay. This company never called, never notified me just demanded payment for which I paid unjustly without due process of having 30 days to let them know that I have health coverage, my credit score went from a XXXX to a XXXX due this action. I am requesting a refund of my monies as this was unlawful and XXXX wrote a letter that I have full coverage ; this should have never been put on my credit when my insurance carrier was never billed in the first place.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries listed on my credit report. The following inquiries were not initiated or authorized by me and have been reported in error : 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 XXXXXX/XX/XXXX These inquiries are negatively impacting my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate or unauthorized. 

Desired Resolution : I am requesting that the credit bureau conduct a thorough investigation into these inquiries. If the companies responsible for the inquiries can not provide valid proof of my authorization, I expect these hard inquiries to be immediately removed from my credit report.
Product: Credit card or prepaid card

I am XXXX  XXXX with a Citibank credit card for 30 years. My credit score is XXXX, I have always payed on time. My current balance is {$5700.00}. Over the past 12 months, my interest rates have increased from 4.99 to the most recent whopping 18.74 % ( an increase of 4 points over the past month! ). 

I called Citi in protest and spoke with XXXX in the XXXX ID : XXXX, then a supervisor. They advised me to write and email to XXXX XXXX XXXXXXXX, etc. 

The REASON for the increase, on my XXXXXXXX XXXX  statement was as follows : " As of XX/XX/XXXX your credit score is XXXX. Credit scores range from a low of XXXX to a high of XXXX XXXX' NONE of the key factors that " adversely affected your [ my ] credit score '' are true. 

Further, per CITI, " if you have any questions regarding your credit score, you should contact the consumer reporting agency identified above ''. 

It's XXXX. What's WRONG with my credit score or my BALANCE!? 

I urge you to support XXXX XXXX low-earners like me, who pay on time, and who are being unduly punished by the Catch-22 between Citi and credit agencies . 

My son serves in the military, as did my beloved father, XXXX XXXX and XXXX XXXX in XXXX> Thank you for your service.
Product: Debt collection

1 ) Did not have services done that were charged by XXXX XXXX XXXX Paid XXXX XXXX  and was still charged
Product: Debt collection

American Credit Resolution inc. 
XXXX XXXX SR Account Manager XXXX Paid {$200.00} to this company because they were threating me. My wife thought she was paying a loan I requested but it was all a scam. How do I recover {$200.00}
Product: Credit reporting or other personal consumer reports

I didn't authorized the pulling of my credit and it was done without my knowledge
Product: Debt collection

Reviewed My  XXXX ,  XXXX , and   XXXX   report and say this collection from Conserve I have never had an account with Coserve nor do I owe the original creditor any money. I would need some kind of validation show how and why I owe this money.
Product: Vehicle loan or lease

On XX/XX/XXXX my car was stolen! and I reported the car to the police after really realizing that it was stolen, I started my report with the insurance, where I also reported this problem with the bank, they told me that there was no problem, I should tell the insurance to send the information to be able to account in retention and thus avoid damaging the credit due to collections. I did the same thing. It turns out that later the insurance gave me all the information and I even communicated with them! also with XXXX XXXX XXXX or XXXX XXXX XXXX... the case that took a long time and XXXX or XXXX continued to charge me the monthly payment the same as if I had an Auto even though they already knew it was a total loss! and that affected my credit quite a lot. I called and they said that they don't care that I had a contract and that I had to fulfill it, but it turns out that the insurance company repeatedly told them that they were going to pay them, I even have gap insurance. and now after the insurance sent the check for the part that corresponded to them, XXXX or XXXX stopped receiving that part that they already received and after they would call XXXX to eliminate the remainder, neither XXXX nor the other, they continue to make late payments to my bureau credit illegally. since the deductible was even paid to them of XXXX usd plus XXXX or so that the XXXX insurance sent and I still do not see that neither the dealer or XXXX or XXXX has done the process of paying the remainder where the extended warranties that I have are supposed to be extras to the car after the accounts are already paid, they should cancel them and I would receive a refund even up to the last month of the payment because the car was already stolen. Now I call them and they act crazy, they agreed that once XXXX will pay their part I could go to the dealer to get a new car, I understand that by law they have to give me another car and a new contract, and I just went to the dealer and you know that they even told me They asked for a down payment of XXXX and a payment much above the normal, the regular payment for the lease does not exceed XXXX XXXX down payment and they want the dealer XXXX usd and a payment of more or less XXXX usd that is unfair and absurd
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to XXXX Equifax and XXXX. Transunion is the ONLY one who complied. Equifax and XXXX have yet to respond or comply with my section 609 request as of today X/X/2017. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.
Product: Debt collection

I am a victim of identity theft and i mailed this letter to the company and i went on the company website to send this letter. and when i did. i was violated because i am sending a cease communication and the ONLY way for me to submit the email was to consent for communication. and there was NOT an OPTION to opt out on ALL COMMUNICATION with the COMPANY. 

XX/XX/2023 CREDIT CONTROL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX Dear CREDIT CONTROL LLC, I am responding to your contact about a debt you are attempting to collect. You contacted me by PHONE, on XX/XX/2023 AT XXXX XXXX  XXXX and MAIL dated XX/XX/2023. You identified the debt as XXXX XXXX XXXX. 
Please CEASE all communication with me and with this address about this debt. 
Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

AAFES ( Army Air Force Exchange Services ) has incorrectly reported my payment status on my credit report for the past 4 years. AAFES states my late payment status was reported due to the minimum payment not being accurate. AAFES never notified me that there was an issue and refuses to correct their mistake, the lack of communication, that led to the faulty reporting. I have reconciled account problem with customer service with no issues, but the credit reporting department refuses to come to any sort of amicable resolution on the matter.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

All credit reports need be updated. XXXX  XXXX and Experian. On XX/XX/2018 A lender told me that XXXX XXXX on my XXXX report.
Product: Credit reporting or other personal consumer reports

There are inaccurate reporting on my report. 

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

This account was created in 2016 and needs to be removed from my report. This company has inaccurate information and no right to report this account on this apartment complex. 

This was a university apartment shared by 4 people which the complex was mismanaging accounts and reporting inaccurate information.
Product: Credit card or prepaid card

I observed on my credit report that there was an account on Capital One that I did not opened. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF I contacted Capital One and sent them several letters with police report and have not received a response since. I spoke to their customer service and was kept being transferred over to different departments. This unauthorized fraud account with Capital One is severely effecting my life. I can not get a rent an apartment and I have been rejected from employment because of this. My credit is very good except for this fraud account reporting in credit report. I have disputed it with the credit reporting agencies as well.
Product: Debt collection

I 've already emailed Conns 's about not contacting via my cellphone any longer. They will cal repeatedly while I am working and during other personal times. I asked them already to stop contacting via my cellphone but just today they have contacted me 3 times about making a payment that 's only a couple of days past due. I 've tried blocking their numbers but they continue to change their auto dial numbers to get through this.
Product: Credit reporting

ACCOUNT IS NOT MIND INCORRECT INFORMATION COMPANY NAME XXXX