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

Purchased a car XX/XX/XXXX and credit acceptance corp was my finance company. Same purchased car caught fire XX/XX/XXXX. Went to the dealer I purchased from when the engine first started knocking and was sent down the street to another dealer that honors my extended warranty but to no avail issue was not fixed and by the next morning while driving the car back to the dealer it caught fire and almost killed my daughter and I had I not pulled over and exited the car when it started to smoke. After calling the dealer and telling them what happened I was told Im sorry to hear that but your own your own. Extended warranty told me they dont cover fire. I was sue by credit acceptance XXXX with no recollection since the court notice was placed on my door I used to live at but that is acceptable as being served in Maryland so of course they won the lawsuit. My wages have been being garnished since XX/XX/XXXX up until I lost my job XX/XX/XXXX and since the entire time the loan is still on my credit report as open and 180+ days late reported every month!!!
Product: Checking or savings account

Td Bank has disabled my XXXX account somehow since I change phone numbers Ive had to call about 18 times no one can help me I have called the main branch. I have called their customer Support that specifies for XXXX. They told me they would mail me checks and then they tried to charge me {$73.00} to expedite the checks.. They told me to use a different service I tried to use XXXX and they declined my XXXX transfer and they are just making it absolutely impossible for me to use my standard form of payment to pay my rent which is now a week late. I am devastated that no one can help me. Theres absolutely no one. That knows what theyre doing there and they can help. I am XXXX XXXX XXXX and the nearest bank to me since I moved is XXXX miles away, and they have actually told me at Td Bank to go into a local branch and when I tell them how far away it is, they say OK well go into the local branch these people do not care at all and habe offered no help whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX # XXXX Date opened XX/XX/XXXX and XXXX XXXX  XXXX # XXXX opened was opened XX/XX/XXXX HAVE 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: Vehicle loan or lease

The Insurance company determined the vehicle was a total loss due to a drunk driver causing the accident. XXXX valued the vehicle at XXXX with was XXXX less than it was brand new a year and a half ago. All payments were made on time and all maintenance was done. The leasing company decided that it was their appreciation gained in the car therefore they are entitled to 100 % of the insurance payout. Throughout the lease we would get the month to month payout and we would know the end of lease buyout so we figured the the equity in the vehicle that we paid already over the year and a half we were due at least half of that. We assumed all the risk, payments and maintenance of the vehicle but due to circumstances beyond our control ( an at fault drunk driver hitting us ) we lose 100 % of the equity and XXXX downpayment and now left with nothing because the lease company decided, denying us any ability to appeal that they are the lease holder and are entitled to 100 % of the value of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit I found three personal loans totaling {$53000.00}. through DEPT OF ED/NELNET that do not belong to me. I want them removed from my credit reports on XXXX and XXXX. They are n ot on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a hard inquiry from XXXX XXXX on XX/XX/2020 that I do not recognize. I would like this removed from my credit report. 

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

Wednesday XX/XX/XXXX I contact XXXX XXXX in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that XXXX XXXX tries to fix but failed miserably. XXXX XXXX has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting.

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

My wallet was stolen in late XXXX -XX/XX/2014 and a collection bill for XXXX , an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy Docket # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.
Product: Debt collection

American Education Services is calling me every day about XXXX missed payment, the XXXX payment. According to my bank records a check was sent to them on XX/XX/2015 and cashed on XX/XX/2015. They say they have no record of the payment. I contacted XXXX XXXX XXXX who verified that the payment was made on XX/XX/2015. XXXX XXXX XXXX has attempted to contact AES by telephone but received busy Signals. 

This started this past Friday, XXXX. I told AES that I was contacting my bank that they would be calling AES. I was told that they would call me " every day '' until payment was received, which sounds like harassment. Particularly since I have paid faithfully on this loan for years with no missed payments, and the payment that they are calling about is not even 30 days late. I told her that it wo n't do any good to call me every day as I am not going to pay something that I 've already paid and I 'm not doing anything until XXXX XXXX XXXX makes contact with them which will be Monday XXXX. She said that they would call anyway. 

I obtained their fax number to fax them copies of printouts from my account that show this bill was paid. However, there were Communication Errors between their fax and mine, so I US Mailed the documentation. 

Today is Sunday and they have called twice. Both times I ignored the call because I knew what it was.
Product: Debt collection

Hello I did a report on identity theft. Gov was hey told me thats not good enough I did a police report they told me they need a lease from where I was living at the time of incident but however I was living with someone did not have a lease
Product: Credit reporting

I 'm filing this complaint because Equifax XXXX and XXXX has ignored my request to provide me with the paperwork that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are require to promptly delete all info which ca n't be verified. Please resolve this matter.
Product: Mortgage

I applied for a loan modification through Ditech XX/XX/XXXX and was told that it was approved XX/XX/XXXX I then started making the trial payments. I was told to expect the final contract papers XX/XX/XXXX. I have not yet received any paperwork to finalize the modification. Ditech has been reporting my mortgage payments in default since early last year. They have said that they are having a " system error '' and the system is not updating the modifications as it should so they are unable to even manually generate modification documents. Their rep says that she has been complaining but it is not getting fixed. Recently my car died and I had a huge amount of trouble securing financing due to the dings on my credit report and subsequently have not been given a good interest rate for the life of this loan which has cost me money. I have kept up the trial payments through XX/XX/XXXX, but would like this issue resolved and the modification made permanent and my credit report corrected. I have escalated it to HAMP, but still have got nowhere with Ditech.
Product: Credit reporting or other personal consumer reports

I am a XXXX  of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I requested that the company discontinue harassing me over the phone. I asked them to provide me their legal standing to collect debt in the state of Texas because they were not registered with OCCC or the Texas Secretary of State which they have to be. I requested verification and validation of the debt where they present me with proof that I authorized the debt and signed for the debt. I asked them for a contract that gave them the right to collect the debt on behalf of XXXX XXXX XXXXXXXX and they did not provide anything related to the information as I requested.
Product: Credit reporting or other personal consumer reports

I disputed these accounts with Experian because the collection agencies/creditors was unable to provide the requested information needed for debt validation for these alleged debts. Pursuant to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for these accounts which is negatively affecting my creditworthiness. Experian completed their investigation and the end results were that these accounts were " verified as accurate ''.

I am requesting a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Pursuant to the FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian is required to send me documentation of the procedure used within 5 business days of the completed investigation for determining the accuracy and completeness. 

*What certified documents were reviewed to conclude your investigation? 
* Who did Experian speak or interview regarding this account - employee name and time? 
*What was the date and time of this conversation and how long did the conversation last? 
*What number did you call? 
*How did you come to this determination that these accounts were " verified as accurate ''? 

Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Per the FCRA, you are REQUIRED to provide this information within 15 days or delete the negative accounts from my credit report.
Product: Student loan

I contacted XXXX XXXX today XX/XX/2019 in efforts to correct an issue with them adding negative remarks to my credit report in regards to my balance. i explained to the representative the issue who in turn was able to locate the origin of error. The representatives name was XXXX, Who gave ID XXXX. He was supposedly a supervisor. He was very rude and inefficient. Only after reminding him several times that He wasnt addressing my question did he actually begin to review the account in full to find the error. he said that my loans had been capitalized and this caused remarks of outstanding balance/increase to be listed. I inquired about what could be done next to correct the error and he essentially said that there was nothing I could do. When i explained that I wanted to speak to someone else he refused. he even said that he would not transfer me. I reminded him that this was not about him personally but my pursuit to get definite answers and solutions. XXXX continued to refuse to connect me with someone else. He even went as far as to say that he was the highest person the issue would go to and that there is no one else that could help me or resolve the error. I was angry and I did call him an XXXX. But only after respectfully requesting someone else while being overtalked and being told casually that what I was saying didnt matter
Product: Credit reporting

On my credit report is an entry for a credit repair company that I never used, had a deal with, or even knew existed. I do n't know where this came from. 
The company is XXXX XXXX XXXX and XXXX XXXX XXXX is collecting for them. 
They are trying to get me to pay XXXX and have put derogatory information on my credit report. I want this removed. I never had this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Services Account Number : XXXX XXXX accordance with the Fair Credit Reporting act 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 reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/2022 I paid off my XXXX credit card and had zero utilization. At that time I had a credit score in the range of XXXX on all 3 bureaus. However, as soon as I paid my credit card off, XXXX informed the credit bureaus ( although it was after they had already completed an updated report to the bureaus at the end of my billing cycle on XX/XX/XXXX ). On approximately XX/XX/XXXX, and again on XX/XX/XXXX, my scores on ALL of the bureaus dropped between XXXX XXXX points and the reason given was because I had a zero utilization rate on 1 of my credit cards. I have a mortgage, car note, credit cards and other mixes of credit that I have been paying timely and often more than is requiredyet the credit bureaus and their scoring algorithms have punished me for paying off a card that was subsequently given an automatic limit increase. So, now my score has been damaged all because I paid my credit card down to zero. I didnt close the accountI just paid it off. The bureaus wouldnt give me any other help or explanation other than to read my credit report thoroughlywhich I do on a weekly basis, so I didnt need them to offer that useless advice. Subsequently, I decided to increase my utilization rate to 3 percent in hopes that the new utilization would increase my scorebut NOit dropped it an additional 2 points, so Im absolutely and totally confused as to how the credit bureaus and scoring algorithms can drop a consumers scores when NOTHING changed on their credit history other than paying off the card. This makes absolutely no sense to me and it is as though the bureaus and their scoring algorithms are intentionally vague and convoluted in order to keep customers in debt. According to everything I have read, my score should not have decreased for paying in a timely manner, especially when there were no other factors involved. It is criminal how the credit bureaus and scoring algorithms are allowed to exploit consumers to keep them in bondage and paying outlandish interest rates.
Product: Credit reporting or other personal consumer reports

XXXX evrthing seem good my cell phone my XXXX went XXXX  and started acting funny didnt make much of it so I lefy iy alone and it seemed to me I would have to nuy a anew XXXX XXXX move all my accounts my XXXX and other information was counterfitend and then use against my will here is the result of this XXXX move XXXX XXXXXXXX XXXX XXXX  XXXX XXXX
Product: Student loan

My name is XXXX XXXX XXXX, The companies involved are the XXXX XXXX, Climb credit, and XXXX XXXXt. 

I signed up for a coding bootcamp at the XXXX XXXX  and got approved for a loan for tuition from a third-party company that's associated with the XXXX XXXX, called Climb credit. The tuition/ loan amount was XXXX. I was told by the XXXX  XXXX  that you are not liable for the loan if you don't take the classes and have fully withdrawn from the course. 

I withdrew from the course as I had not attended any classes or did any course work and was expecting that to be the end of it. However, a few months later XXXX  connect emailed me saying that they would start deducting from my account. I called XXXX to dispute that I had already withdrawn and that the loan was never used and should have been refunded. XXXX  connect replied that the XXXX  XXXX  has never sent us an update on your withdrawal, and to contact the school again. 

I contacted the school again and was directed to the XXXX XXXX XXXX  team. Whom of which they replied that I had not been fully withdrawn from the course and needed my signature again. I signed the new withdrawal form and waited the XXXX  days that the refunds team asked for to process the withdrawal and the refund. 

A few months later XXXX  connect emails me again about my numerous late fees and how after XXXX  days of not paying them my credit will be affected because I have not sent in the monthly payments for the loan. I called and disputed again, and their response was that the initial lender Climb credit is still processing that refund under their portal and that they can not cancel the late payment emails. 

I am vastly tired of being ping ponged back and forth between these XXXX companies and assume that something fraudulent is happening.
Product: Debt collection

Between the dates of XX/XX/XXXX and XX/XX/XXXX I have several delinquencies on my credit report doesnt tell me the original owner. All the companies are third-party so my information was sold to a third-party company which is illegal and when they call, they ask for me to update my information which I dont have to do because they should have that information if this credit belonged to me which it doesnt And I need this removed and I asked him. How did yall get my information and they tell me they cant the disclose that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and let them know I have never had their services. XXXX is asking me to verify my address for the time the account was open.
Product: Credit reporting or other personal consumer reports

My student loans were paid in full by the Biden-Harris administration . This still reflects on my credit report as owing. 
Mohela XXXX Department of Education Servicer ) balance forgiven {$98000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

my upgrade account is reporting late in the month of XXXX and XX/XX/2020. This is incorrect, i was never late this is the 2nd or 3rd time this has happened. This is extremally hurtful to my ability to gain credit, car insurances loans and lines of credit.
Product: Checking or savings account

Fraudulent transaction made via joint Bank of America checking account that I share with my XXXX year old mother. Basically, they hacked our on-line account and sent {$3000.00} total in fraudulent XXXX transfers to two individuals I do not know. I reported the incident immediately but after investigation, the bank refused to refund the unauthorized and fraudulent transfer of money after the account was hacked. The actual date of the illegal activity was XX/XX/2020. Two transactions were made of {$2500.00} and {$500.00} for a total of {$3000.00}. A third transaction was in progress when the account was shutdown. According to the bank online security, it did not complete. I immediately froze the account and went to the bank a few days later to open a new account. They informed me that the money would be refunded after the investigation was completed. Apparently, someone walked into a XXXX store in XXXX XXXX, NY ( I live in Florida ) and were able to change my security information without my knowledge or consent. They were able to hack my XXXX information, change the type of phone I own and MEID code of the phone and then proceeded to change my online information for BOFA and hack my on-line account to make the illegal transfers. Since BOFA uses your personal phone to send the security code when logging on, once the cell information was transferred to another phone not owned by me, it was easy to make the transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX US DEPT ED XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; XXXX XXXX  XX/XX/XXXX.