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

When I leased my vehicle 3 years ago, GM financial was nice enough to be the lender for my new vehicle. About a week after taking the vehicle home, I received a packet in the mail and set up automatic debiting of my account. The payment was made the same day for the length of the lease. We turned in our vehicle the 3rd week of XXXX 2017 about 2 months early ( we leased a XXXX before our lease was over ), and we were notified that the lender would send us a bill for the remaining months. The lender sent us a notice via mail that we would be receiving an end-of-lease packet with the final bill. On XXXX XXXX 2 017 another debit was made from our account, which was fine as I 'd imagine they 'd deduct that payment from the final bill. In early XXXX, I received a notification from my credit monitoring saying there was a late payment to GM financial. This made no sense to me because we were on automatic debit. Upon calling GM financial, they indicated we were always about 28 days behind on payment, which I have no record of nor were we ever told that this was the case. As far as I 'm concerned there was never a late payment that ever took place. The down payment was to include first month 's lease, and we set up automatic debit only a week after taking the car home, making an late payment impossible. They also had the wrong phone number on file and never attempted to send us a letter to correct it. As it stands this late payment is hurting my credit and from what I can see was no fault whatsoever to my wife and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I tried to access equifax.com because of possible fraud alert from my employer. The website rejected my attempt to create a new account because supposedly I have an account already established. Using my current email address I requested a new password, and I entered the access code they sent to my current mobile phone. Despite several careful tries the site repeatedly denied access because my info didn't match their records. 

Then I called their customer service, went through all the menus to get to the get-help-other, including giving my name, DOB, SSN, and phone #. This just got me to another automated message which said my info didn't match, and it hung up on me. Second try again didn't allow any way to request to speak with a live person. 

Next I returned to the website to try to email customer service, but this kept booting me back to the FAQ page.
Product: Debt collection

I was served by a server on XX/XX/year> I called on XX/XX/year> at XXXX XXXX  spoke to representative and asked for documented contact attempts, original debt varification, and itemized billing to include break down of debt. 
was told that they will release original creditor but nothing else. 
Informed them I should be allowed access to these documents, was told that they can not and will not release anything else to help me support my case against them.
Product: Credit reporting or other personal consumer reports

I have dispute this debt several time keeps coming back verified but the credit reporting agency can not provide how. Also the company is actively reporting and have yet to send me a response on my original wet ink signature of the application. I do not owe XXXX XXXX and do not have it. I want this resolved immediately. Deleting the false information reporting on my credit report so I can move on with my life. This has cause me damages such as adverse actions denials for a vehicle and loans to help myself and family. XXXX XXXX  sold debt to a debt collecting company and refuses to give me any information on this account.
Product: Vehicle loan or lease

Hello, I have a car loan with Ally Financial for my car loan, In the time that I have had the car which is a total of 15 months, if I am a day late with the payment I receive multiple phone calls a day and messages threatening for payment, I fell behind on my payments due to financial issues and called Ally on XX/XX/XXXX to discuss options on how to work out a payment arrangement and was told my vehicle was on a re-procession list and could be taken within the next few days. I took what money I had and with speaking to the customer service agent was told I could be put on a program to take 2 payments I was behind with and place them on the end of the loan and I could start making monthly payments without issues. I received the paperwork to be signed 8 days later in the mail and sent it back thinking all was fine like promised. On XX/XX/XXXX my roommate opens our door to our home to find a woman on the property taking pictures of the house, mailbox and my Vehicle a XXXX XXXX XXXX. She Said she was from Ally and was looking for myself and my roommate mentioned I was not home which was true. This woman did not belong on the property, nor asking questions or stating the matter of which she was looking for me to my roommate. It is against the Law and It needs to be said. I am very upset about this matter because I have done what is asked of me and I am still being harassed by a company that messed up their paperwork on their part not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a letter to get medical accounts removed that are in collections and have no updates. Also, they are not able to verify accounts that have medical information on them, so when they do an investigation where do they get this information from? Also I would like to have proof of this being verified and connected to me.
Product: Mortgage

Im having trouble with my bank trying to get them to move remove PMI but they will not even work with me if it wasnt for the PMI I could easily afford this house payment I am struggling at the moment and my bank refuses to work with me all they want to do is try to refinance the house which is impossible with todays interest rates
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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.
Product: Credit card

Im being denied to make a payment a payment on my credit card. Fifth Third Bank has been placed a hold on my account which causing an issue with me payments online or through customer service. I have no way of making a payment on the balance owed. They informed me to go to the branch and submit a check but I dont have checks to my payment checking account. When I asked to close the account since I cant use it or make any payments to remove the hold they refused to do so. How can I use a card that I cant make payments too?
Product: Vehicle loan or lease

I XXXX XXXX went into a consumer credit transaction with Chrysler Capital on XX/XX/2017 which a finance charge was involved. 15 USC 1605 defines a finance charge the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Chrysler Capital took cash. The finance charge is suppose to include insurance, but Chrysler Capital made me purchase insurance separately. The finance charge for this consumer credit transaction was {$7700.00} and Chrysler Capital charged {$43000.00} which is fraudulent. Chrysler Capital also didn't give me a right to rescind and under Truth in Lending thats a violation of 15 USC 1635. Chrysler Capital also sent someone to my residence to pick up the vehicle which is theft and sold it for {$19000.00} even though the finance charge was paid. Chrysler Capital took it a step further and sold my account to a 3rd party debt collector and placed negatives remarks on my consumer reports. Now I have a some debt collector who I've never done any business with is harassing me by mail and they too have placed negative remarks on my consumer report which is a violation according to the FDCPA. With the actions of Chrysler Capital it has really been a burden on me to provide for my family because I am being denied a right to credit from the negative remarks from Chrysler Capital.Chrysler Capital sold the account and continues to report it on my consumer report. I loss my business because the property Chrysler Capital took was a XXXX  vehicle which ruined my income and the stability of my finances.
Product: Credit reporting

EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

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

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I cant believe I need to wait for more than 45 days just to see that there is nothing Transunion done with this dispute. Am I being ignored? This causes me stress seeing that these accounts that isn't mine is on my report and damaging my credit. I patiently done a dispute with them but this is too much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting a collection on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

Using a making frequent payments to my account. Used it out of town and they restricted my account. Have been calling for 2 days and no one can tell me why just to wait for someone to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted transunion XXXX and transunion about a few inquiries that I did not authorize. Most came from when I purchased my car.But both of the companies told me to contact the companies individually, I have no relationship with any of these companies, and its their job to make sure everything on my report is correct and they have failed to do so even after I called to inform them.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or 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. Please remove the following items from my credit report, immediately : 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

I am submitting my third request to have fraudulent items to be removed again from my credit report. I have already sent in a previous CFPB report to showcase my claims being an identity theft victim. During that event, I noticed that included 4 incorrect and erroneously added remarks for XXXX XXXX  ( 2 cards ) XXXX ( XXXX card ) and XXXX XXXX  account ; all to be removed from my TransUnion, XXXX, and XXXX accounts. 
This would also include any and all removal of inquires on these bureaus as well. 

This is a matter that was previously handled after sending in a full FTC report, Police Report, FTC Identity Theft Affidavit packet ( which was notarized ), my full-color copy of my license, social security card, and an official FTC statement along with a copy of 609B to properly explain my protection under the law for an obvious act of stolen identity for accounts I have no familiarity around. 

This was all completed in XXXX of 2024, and added back again in XXXX of 2024, I called back into each bureau by phone to re-verify that they received these items along with my CFPB report. Each bureau confirmed and took their time well over the XXXX mandatory business days by law required to remove these remarks ( which ultimately worked again. However upon checking today [ XXXX XXXX, 2024 ] I have noticed that all these accounts were reinserted and should not have been after confirming that they were permanently removed by your group and the three bureaus after checking my credit report. 


I am extremely shocked and appalled that this will continue to happen. I request that these be removed immediately and compensated for the consistent and egregious reinsertion of these items from each credit bureau. This is negatively affecting my ability to refinance my home as rates continue to drop and making me spend unnecessary money on force-pulling my credit reports every month.
Product: Mortgage

We were with Owen we did a loan modification. Right before owen sold the mortgage they said we missed a payment. We didn't. but we paid the fees. the new bank also said we were late and kept charging us fees. We have paid our mortgage every month but our credit report says we are 30 days late since XXXX. I called my bank and they said we are not late and couldn't explain why our mortgage statement said we had XXXX due by the first. once they looked into it they said that they had sent investigators to see if we had abandoned the house. It makes no sense since we keep making the monthly payment due. and even after paying the extra amount they keep putting more on our bill, our monthly statement always has a large amount due every month. Currently my bill says I owe XXXX by XX/XX/XXXX. Now I cant even refinance my property because my credit report says I haven't paid my mortgage since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many times that it is past the legal time to continue to be reported on my report. In addition, the loans are discharged and I have consistently disputed with the Bureaus in order to get the loans removed from my credit file. They are clearly operating in fraud. These accounts must be removed from my credit file.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

A. On or about XX/XX/2023, I received an email from XXXX XXXX wherein she was attempting to collect the debt XXXX XXXX # : XXXX. I responded by requesting the items below to validate the debt. 1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt to the Original Creditor. 2. Proof that you are a legal debt collector in California. 3. A copy of the Bond that shows that you are Legally Registered in My State. 4. Copies of ALL Statements from Open to Close of this Account. XXXX XXXX has failed to submit the required documentation to validate this debt. However, they have submitted to the major credit bureaus they have validated this debt. XXXX XXXX XXXX didn't notify me of this debt before placing it on my credit report. 
I have disputed this debt multiple times with the credit bureaus asking them to provide the documentation XXXX used to validate the debt.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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

I have two closed accounts with XXXX  XXXX XXXX XXXX XXXX account number XXXX. A line of credit and credit card. I am still making payments on the accounts. I have never been late, not once. XX/XX/2023 I received a late payment for both accounts. The rep stated I was {$1.00} short on one account and {$5.00} on the other. My accounts are closed and I have to call in to make the payments, so if I was short it was due to paying whatever minimum the rep stated. When trying to settle this with XXXX I was told to dispute with the credit reporting agencies. I disputed with them and heard nothing back. The late payments hurt my report alot. As stated before I have never been 30 days late and with XXXX. I would like the late payments AND the remarks to be removed. Every payment should show paid on time, because it was.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies being reported on this account throughout all the credit bureaus.

I have attached my most recent credit report for your reference.

Please correct this and remove from my credit file.

Account status Date opened High Credit Date last reported Date last active Equifax is still showing payment history past date of last active, how?
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a consumer has asked the XXXX major credit reporting agencies to update the correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates XX/XX/2023, XX/XX/2023, XXXX, Equifax and XXXX have completely disobeyed FCRA, they have not removed personal information that needs to be removed immediately such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX. 
I am begging that you XXXX the following accounts XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. So, I am requesting that all of this inaccurate information and mistaken identity be removed for my credit report immediately.
Product: Debt collection

I have asked for this collection agency to validate this debt, they sent me a paper with a signature that is NOT MINE. I was not even living in XXXX on XXXX. This signature is fraudulent and forged. I am asking for them to IMMEDIATELY remove this collection from my credit bureaus which is negatively affecting my credit score.