23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I bought a new car from XXXX XXXX of XXXX in XX/XX/XXXX and they got me financed through Consumer Portfolio Services ( CPS ). Later I found that they hard pulled my credit 10 times to get this deal to work. From the start XXXX was nothing but nasty to me. I decided for my first payment to send in my payment with a check instead of incurring a {$12.00} fee for paying online or over the phone. I sent it in plenty of time for the mail to reach them by my due date. The day after my due date I got several calls a day from them. When I did talk to a representative, things got so bad that I asked to speak to someone else. This person explained to me that a 3rd party processor receives the checks and until they have completed processing payments which could be XXXX to XXXX business days after they received my check that it would be considered late. Because of this they changed my due date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I verbally approved this over the phone and they sent me a letter that verifies the change. As time went on I 've received several letters from CPS stating that my payment due date has changed. I have XXXX letters in my records XXXX from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I did not ask for nor approve these changes. What they have done was extending my maturity date out a month each time which means longer loan term and more interest collected for them. The only time I have ever asked for an extension was XXXX/XXXX/XXXX which I called and asked for, they sent me paperwork, I signed and sent back for their approval. The last piece to this is the interest they are collecting. I noticed that I have been paying on this car for a little less than 2 years and my loan balance is not moving, and most of my payments they are applying to interest. I called the week of XXXX/XXXX/XXXX to speak to a representative on my interest and how they calculate how much is applied to each of my payments. She had told me that my loan is a simple interest loan with 16 % interest annually based on my original loan amount. She told me that my yearly interest amount is {$3500.00} which multiplied by 6 years equals {$21000.00} almost the same amount as my loan. Although on my sales contract it states that my interest for the life of the loan is {$12000.00}. That 's a big difference. There has been a lot of interest applied to my payments and hardly none to the principal. This company is a scam. They are harassing with their phone calls, nasty to me when I do talk to them, changing my loan terms by giving me a " courtesy due date change '' without my authorization and taking more for interest than what my finance contract states. These people are predatory lenders and they need to be stopped and the car dealers that are using them are not helping people with poor credit rebuild!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I havent received a response within 30 days, and yall are required by law to do so. Please investigate my disputes, please Thank you.
Product: Debt collection

I did a patient satisfaction survey and was dissatisfied with the care provider by the entire hospital staff. I received a call from the patient advocate and we discussed my experience and the patient advocate apologized profusely. I was informed that my bill will be written off. I was surprised to now see this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Date : XX/XX/2017 Amount : {$150.00}
Product: Mortgage

When converting an HELOC from draw period to Payback period, Wells Fargo changed the index and margin used to calculate monthly payments, Wells Fargo has not disclosed ( in written or verbal form ) that new index/margin even though I have requested written disclosure. Nor has Wells Fargo provided written proof that I accepted those changes.
Product: Credit reporting or other personal consumer reports

The Company in its investigation, blatantly has not acted in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Sallie Mae has violated my rights. 

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can't furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, 2024 ) since then this account has incorrectly been reported as a charged off account with a balance due. A charge off account should NOT have a past due balance. This inaccurate information is highly injurious to my ability to obtain credit. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX  XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, are all inaccurate items currently reporting on my credit report. I need all of these items as well as all accounts associated with this information to be deleted from my credit report immediately. My name is XXXX XXXX XXXX and my only address is XXXX XXXX  XXXX XXXX XXXX, AR XXXX.Thanks
Product: Credit reporting or other personal consumer reports

To whom it may concern, My rights as a federally protected consumer are being violated by XXXX XXXX, XXXX, Experian and XXXX by reporting a balance {$6400.00} on my monthly consumer credit report. XXXX XXXX  and the above consumer reporting agencies did not disclose information how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information. 

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any account balance information.

Please remove the reporting of my account balance information. It is personally identifiable financial information. 


Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

1. Inaccurate Payment History The following account is inaccurately reporting late payments, which I have never made. Please verify and correct the payment history : XXXX XXXX XXXX XXXX XXXX XXXXt # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S. Code 1681i ( a ), I am requesting that you investigate this matter and correct or remove any inaccurate payment history information. As part of this investigation, please provide me with documentation verifying the accuracy of this accounts payment history. 

Accounts That Are Not Mine : XXXXXXXX XXXX XXXX Acct # : XXXX Under 15 U.S. Code 1681b, only accounts that are verifiable and authorized by me should be reported. Since these accounts are not mine, I am requesting their immediate removal. As part of your investigation, please provide documentation proving that I opened or authorized these accounts. If you are unable to do so, these items must be deleted from my credit report as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy in the USBK COURT XXXX XXXX OF OHIO Docket # XXXX and the accounts that were included in my bankruptcy were not removed and/ or deleted from my credit reports which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Here are some of the list i came across and any other more than 30 days old ... 
XXXX/XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am an identity theft victim and that I am questioning some records in my paperwork that may have been obtained via improper means. The data under scrutiny pertain to transactions in which I have neither made nor approved the acquisition of any products, services, or money. Remove from my credit report any information that is notable that resulted from a purported scam or extortion, assuming that no one will care in either case. 
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

Submitted the necessary documents on XX/XX/year>, I have received multiple conflicting information from transunion employees over the phone and by mailing about the status of my case/ request. 
On XX/XX/XXXX I spoke transunion they said the only way to re Submit my information was to file a complaint with cspb. 
Attached is all the documents I was told to resubmit.
Product: Credit card

I received a target credit card in the mail on XX/XX/2023 without my knowledge of this card being opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im at wits end. I have no idea what is going on over there at the CFPB. You claim Im not the one submitting it. This to me is crazy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. So Im submitting it again hopefully for the last time. TransUnion has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing it from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 
XXXX XXXX Date Opened : XX/XX/2005 Balance : {$0.00}. 

Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

I have had repeated calls for my brothers x wife, XXXX XXXX for an auto loan with Ally Financial in XXXX XXXX MO. I have on two occasions asked for my numbers be removed from the lists for this person. I am not a cosigner or a reference for this individual. I spent literally two hours on the phone and this company can not locate the calls made from a XXXX XXXX from XXXX. After expressing twice to not call and being assured two week ago that I will not get another call the agent calling hung up once I advised I will file a suit. This is not my loan and not my responsibility to take hours of my time to contact these idiots. Can the CFPB please help. I will add that i have a few voicemails as well that violates regulation F that occurred within a 7 day window.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account has been added to my credit report without my knowledge. I have disputed and provided a police report but the credit bureau keep reporting the account for XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX.
Product: Credit card or prepaid card

I am a victim of government shutdown. I need more time to pay my bills. I cant afford to make a minimum payment for a few months. 

I need to defer payments for six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Equifax regarding inaccurate information reporting on my credit report on XX/XX/2020. I asked for the information to be verified and updated. I have not received a response from Equifax.
Product: Debt collection

XXXX phone says I have a debt from XX/XX/XXXX, I was notified through XXXX XXXX that a company on XX/XX/XXXX that a company called XXXX XXXX bought from XXXX in XX/XX/XXXX. I have never in 6 plus years receive anything from either company of any debt owed. I have called XXXX and XXXX  and no help.
Product: Mortgage

XXXX XXXX Bank sold my loan to Shelllpoint mtg. on XX/XX/2021 but Shellpoint mtg paperwork is incorrect and shows XX/XX/2021. With this incorrect date Shellpoint mtg has sent me letters stating that they will foreclose on my home. Now they have the escrow balance incorrect and say that I owe them roughly {$18.00} when they owe me over {$2600.00}. I have filed numerous complaints on their web portal. I have called numerous times, and I am trying to refinance through XXXX bank but Shellpoint refuses to correct the loan transfer date and they refuse to correct my escrow balance. This is consumer fraud and there is no one to help me. I have been working on this since XX/XX/2021 and neither XXXX XXXX who sold my loan nor Shellpoint will do anything? I have also filled out a complaint on the FBI 's portal but no one has contacted me. 

I need help with this fraud.
Product: Credit reporting or other personal consumer reports

I filed a dispute on several accounts due to various reasons Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house and a car Experian violates my rights as a consumer, as well as federal laws. I would like all reported accounts to be removed corrected immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

hi I'm just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over XXXX months, I thought I would get a response from your company after XXXX to XXXX days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a notice from XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NJ XXXX. Attorny for plaintiffXXXX XXXX XXXX and file number is XXXX. Comenity Bank XXXX XXXX in the amount of {$570.00} plus costs now the balance due is {$720.00}. 
They are stating : IMPORTANT NOTICE- PLEASE READ CAREFULLY FAILURE TO COMPLY WITH THIS INFORMATION SUBPOENA MAY RESULT IN YOUR ARREST AND INCARCERATION.