23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX  The theft was immediately reported to the finance bank and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank XXXX XXXX XXXX XXXX XXXX XXXX, And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's  error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have 0 % left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX XXXX XXXX yr, XXXX mos ) Term 41 months Payment History Last payment No Info Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Lease Responsibility Individual Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XXXX. XXXX, XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.
Product: Credit reporting or other personal consumer reports

My information was stolen via the infamous data breach. My credit has been impacted by these breaches since XXXX  to present day. None of the inquiries and reporting should be allowed to remain on my consumer report due to the fact that my privacy was breached and I can not confirm the validity of the charges listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX
Creditor : XXXX XXXX  Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX XXXX  TransUnion has deleted no inaccuracies
Product: Consumer Loan

We own a XXXX Buick Encore & the check engine light has come on for the second time. The tac meter is sticking & the gas pedal does n't want to accelerate. I worry that when i am trying to press on the gas pedal the car will just fly forward when I am trying to get it to go & cause an accident. The dealer can not figure out what it is??? Should this car be recalled for this? If any one else is having this issue??
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2023, to update some 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 Balance : {$300.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX  XXXX Balance : - XXXXI XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance XXXX {$30000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered a late payment entry that I believe is inaccurate. The entry pertains to a payments late, and I believe it violates the Fair Credit Reporting Act ( FCRA ) provisions outlined in Sections 15 USC 1666b, 15 USC 1681a ( 2 ) ( i ), and 15 USC 6802. As per Section 15 USC 1637b, I should have received information regarding my credit obligations at least 21 days before the payment due date. I am formally requesting proof that such information was provided to me within the specified timeframe.

Furthermore, I am invoking Section 15 USC 1681s-3, which outlines the obligations of furnishers regarding the reporting of information to consumer reporting agencies. I request a thorough investigation into this matter to ensure compliance with FCRA regulations. If its determined that the late payment entry is inaccurate or in violation of FCRA provisions, I request its prompt removal from my credit report.
Product: Mortgage

Sammamish Mortgage has an ad floating on XXXX showing a 6 % rate with {$0.00} origination fee for any loan at or under $ XXXX, 25 % down and a 800+ credit score.

I called for a quote with those exact terms, and they said the rate was 7.375 %. I also know its illegal to advertise rates and terms. 

I know others have complained about this and they continue to have these advertisements month after month and you arent doing anything about. Its a poor reflection on you guys and is horrible for the consumer when trying to budget for a home. Fix this once and for all.
Product: Credit reporting or other personal consumer reports

COMPLAINT In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my EQUIFAX credit report On XX/XX/year> 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 report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general 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 ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681 ( s ) -2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I submitted on XX/XX/2021 a letter, FTC report, and 15 USC1681c-2 block info. I have an identity theft with an account on my Consumer Report with XXXX Only NATIONAL CREDIT SYSTEMS ( ALLEGED ORGINAL CREDITOR ) XXXX XXXXXXXX XXXX. 

This agency is in violation of 15 USC 1681c-2. A consumer reporting agency should block an remove the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This account is still reporting on my account and they have all of the information that need and its been 6 days since they received the letter.
Product: Debt collection

I went to get a small medical checkup done. ( XXXX check up ). A few samples were sent to a lab. I never received the initial bill from the lab or doctor. This was in XX/XX/XXXX. I letter checked my credit and saw I had a collection account. 

I never received a bill, account overview, notification or anything from the collection agency. ( Collection Credit Services ). I have sent them multiple correspondences to explain the debt, etc. I have gotten no communication back. 

In that time frame, my insurance has since picked up their portion of the bill. Approximately {$400.00} of the {$740.00} bill. I'm currently paying the remaining portion directly to the doctors office. ( See attached bill, dated XX/XX/XXXX In closing, I have had 2 bills that were never sent to me ( original lab and collection ). The collection agency has not communicated with me once or given a detailed explanation. My insurance has since paid their portion ( They paid in XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

how were these accounts verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  according to 15 U.S.C. 1681 section 604 A section 2. it states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Received collection notice from collector ( Credit control ) after having Arbitration agreement with creditor ( XXXX )
Product: Debt collection

CREDENCE EXCELLENCE BEYOND BELIEF PROCESSED MY PAYMENT TWICE AND I HAVE BEEN TRYING TO GET THE REFUND FOR OVER A MONTH. I KEEP GETTING THE RUN AROUND AND HAVE PROVIDED PROOF AND STILL NO REFUND. THEY COULD BE PROCESSING DOUBLE PAYMENTS FOR A LOT OF ACCOUNTS. WHO KNOWS.
Product: Credit card or prepaid card

On XX/XX/ I visited an XXXX XXXXXXXX XXXX to get an examination done. After showing documentation of what I needed and confirmation that they would be able to provide the service, they failed to provide the service correctly and gave me incorrect paperwork. I needed this paperwork for a potential job which denied the form because it was incorrect. This forced me to visit a different XXXX XXXX XXXX on XX/XX/2023. I showed the doctor at this location what I was given and he confirmed that what I was given on XX/XX/2023 was nothing and no actual test was done. Essentially I gave my money to XXXX XXXX number one for no reason as they were not able to give me the paperwork I needed. 

I gave this information to bank of america and they denied my claim.
Product: Vehicle loan or lease

Looks like on XX/XX/2015 a loan for a car was made. The person who has the car I have never laid eyes on and I keep getting the bills to pay for this car. My name is XXXX XXXX XXXX and the name on the loan is not how my name is spelled or pronounced. I never gave permission for my credit to be checked and the loan is showing up on my credit report. The person has now moved and I am having to pay for a vehicle that I do not own and that is not fair. It is showing according to the company that I am the buyer and the other individual is the co-buyer. Like I say I have never seen this car or the person who is showing as co-buyer. This needs to be fixed. I am very upset about this. Want this removed from my credit report since I have no idea of the person or the car. The finance company is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Billing Act ( FCBA ), I am not liable for unauthorized transactions or accounts opened fraudulently in my name. Since I did not open this account, I request its immediate closure and removal from my records. 
XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ) Blocking of Fraudulent Information The FCRA requires that fraudulent accounts be removed from my credit report XXXX  must block and remove all fraudulent information related to this account and provide written confirmation within XXXX ( XXXX  ) business days as per FCRA regulations .

XXXX. FCRA 611 ( 15 U.S. Code 1681i ) Right to Dispute Inaccurate Information I formally dispute this fraudulent account and demand that this XXXX account is removed from my credit report.
Product: Debt collection

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.
Product: Credit card or prepaid card

While my wife was shopping at a XXXX store, a girl approached her asking if she had interest in applying for a XXXX rewards credit card. My wife does not handle the finances and has little interest in how credit works and what effects credit scores. From what the girl described to her, my wife thought that I would be interested in the card. My wife asked if she could have information mailed to me about the card to see if I were interested. The girls said yes and asked for my personal information. Without my wife 's knowledge, she was applying me for the card. Not simply sending me information. Now I have a credit card I didn't want and a credit inquiry on my report that I really didn't want. I contacted US Bank, and they said they can close the account, but had no way to get the inquiry off my credit report. This is unacceptable as I did not authorize this inquiry and the girl at the XXXX store was extremely misleading to my wife. This is extremely predatory behavior to consumers who do not fully understand how credit reporting works and how credit applications effect your credit report. We are in the process of a mortgage application to buy a new home and this inquiry in the middle of that is the last thing in needed. I don't see how US Bank can not simply file a report with the credit bureaus undoing the credit inquiry. This predatory practice of baiting consumers with promises of " discounts '' without explaining the credit application process and how it can effect a consumer 's credit is extremely immoral. The fact that it wasn't made perfectly clear to my wife that she was applying me for a credit card resulting in a hard inquiry should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to XXXX, XXXX, and Experian about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX I have no knowledge of this account
Product: Credit reporting or other personal consumer reports

I am writing to address several concerns regarding errors I have encountered with the credit bureau. These issues include inaccurate account listings, unauthorized inquiries, incorrect credit reporting, billing discrepancies, and accounts that are not mine. 

I kindly request your assistance in resolving these matters to safeguard my financial stability.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX  XXXX {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN TRYING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SOMETIME NOW AND I HAVE HAD NO HELP OR RESPONSE FROM THE CREDITORS OR CREDIT REPORTING COMPANIES.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and never ever in any way sign an agrement on. A legal contract is signed by the parties and I did not participate in any of it. More so they didn't folow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I am entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Checking or savings account

Ocean First Bank in XXXX, New Jersey, repeatedly gave out my account balance to a number of people who deposited into my account. The account balance was given to these people without my consent, and provided on the deposit receipt, without verifying that the depositor was the account owner. I feel this is a violation of my Financial Privacy. When I made a complaint to the bank, requesting that they respect my financial privacy and not give out my account balance to people who do not own the account, they closed my account without explanation. I then spoke to the Vice President of Banking at the branch, and was not offered a resolution, simply told that they were closing my account without providing a reason why. The account closure happened not long after the complaint about the account balances being released by their staff, so I expect the two are related.