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

XXXX XXXX XXXX XXXX Finance Subject : Dispute Regarding Lack of Response to Notice to XXXX XXXX XXXX Dear Driveway Finance, I hope this letter finds you well. I am writing to formally address a concerning issue regarding my auto loan account with Driveway Finance. Despite my efforts to communicate and resolve this matter, I have yet to receive any response from your team. 

Over the past XXXX months, I have sent several notices to XXXX  concerning the disputed aspects of my loan. Each notice detailed the specific issues I have encountered, along with the necessary documentation to support my claims. However, I have not received any acknowledgment or response from Driveway Finance regarding these notices. 

The lack of communication is not only frustrating but also creates further complications in addressing my concerns. As a valued customer, I believe it is essential for your organization to maintain open lines of communication and to respond promptly to disputes. 

I kindly request that you confirm receipt of this letter and provide a written response addressing my previous notices to XXXX  by XX/XX/year>. If I do not receive a satisfactory response, I may have no choice but to escalate this matter further. 

Thank you for your attention to this urgent issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I received a letter on XX/XX/XXXX from MOHELA stating that my loans were in administrative forbearance due to a court hold on the XXXX income repayment plan with the following in the letter : While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. At that point, I had about {$5000.00} in accrued interest from before the forbearance. 
However, when the courts allowed other XXXX plans to proceed, my XXXX application was defaulted to the next acceptable XXXX  plan and my forbearance was extended while my XXXX  application was processing, with my current status shows that I am still in administrative forbearance until my application is processed. This should mean that interest is not accruing per their last letter. 
However, I received a letter from MOHELA on XX/XX/XXXX stating that Although no payments are due at this time, interest continues to accrue on your loan ( XXXX ) during the forbearance period. 
Upon looking into it, I believe the rules state that interest should not be accruing while I am in administrative forbearance, yet that was their last communication and my interest is currently at {$8500.00} as of XX/XX/XXXX. I attempted to call them today, XX/XX/XXXX, but after going through their automated system multiple times, the call ends suddenly without explanation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Dispute of Inaccurate Information and Unauthorized Hard Inquiries on Credit Report Dear TransUnion Dispute Resolution Team, I am writing to formally dispute several inaccuracies on my credit report, which have adversely affected my credit score by XXXX points. The specific issues are as follows : 1. Collection Accounts with Inaccurate Dates and Amounts : The collection accounts in question have inconsistent and fluctuating dates of last activity, suggesting an improper extension of the statute of limitations. Additionally, the reported balances are incorrect. This practice not only misrepresents the status of these accounts but also artificially prolongs their presence on my credit report.

2. Incorrect Reporting of Medical Debt : Despite providing evidence of continuous health insurance coverage with Friday Health and subsequently XXXX, a medical debt has been reported inaccurately. The reporting entity acknowledged my insurance coverage but failed to correct the erroneous debt entry. 
3. Unauthorized Hard Inquiries : My credit report lists five hard inquiries that I did not authorize. Upon contacting the companies responsible, I was informed that there is no record of my file, and despite sending dispute letters, no changes have been made. These unauthorized inquiries are unjustly impacting my credit score.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. I request the following actions : Immediate Deletion of Inaccurate Information : Remove the erroneous collection accounts, medical debt, and unauthorized hard inquiries from my credit report.

Provision of Purchase Agreement : Supply the purchase agreement for the alleged debt being reported, as I have not received validation of this debt.

Investigation Details : Provide a comprehensive explanation of how these inaccuracies were investigated and the steps taken to verify the information. 

Enclosed are copies of relevant documents supporting my dispute, including insurance records, correspondence with the reporting entities, and documentation of my communications regarding the unauthorized hard inquiries. I expect these matters to be addressed promptly to prevent further damage to my creditworthiness. 

Please confirm receipt of this dispute and inform me of the actions taken to resolve these issues. I anticipate your response within 30 days, as stipulated by the FCRA. 

Sincerely,
Product: Credit reporting

Requested an investigation because of inaccurate information on my credit report. In the dispute I requested that the information be deleted. I made this request on XX/XX/2016. Equifax received the letter on XX/XX/2016, USPS Tracking Number XXXX. I just received a response today. The response was in reference to a second letter that I sent to them. Per the FCRA all items are be deleted if the investigation was n't conducted within 30 days.
Product: Credit reporting

I have an existing investigation with CFPB number XXXX I have received an email reply from Equifax with a new case number XXXX When I try to log into Equifax website to view the results or the status of the dispute, I am not able due to incorrect information and no access There is no information on the Equifax website on how to contact them, email or phone I would like to get some clarifications/answers : 1 ) With all the complains against this company, why are they still allowed to do business in the United States 2 ) Why is this company allowed to report on persons credit with the wrong information 3 ) Who do I have to contact or how do I get to have this company stop reporting on my credit and history, since the information provided is incorrect and of no help to my credit report and/or history
Product: Credit reporting, credit repair services, or other personal consumer reports

I have viewed my credit report and noticed inquiries that I did not do. I have written to each bureau numerous times and they have not removed these unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Net credit is not providing update information to my credit report. Net credit shows a different balance on website than on credit report as well as payment history is not updated. I have previously dispute this item with the credit bureaus with no assistance, information is coming back verified each dispute. diverse which is showing in my credit report has no information on my credit file.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Experian, XXXX, and XXXX were all sent Factual dispute letters. Since that time no correction has been made.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX ) ( XXXX XXXX ). Please investigate and provide Proof with statements showing that these payments were late.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with SELF LENDER. I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.
Product: Debt collection

I received this letter about a medical debt to XXXX hospital for a visit that took place on XX/XX/2014. For a debt of {$60.00} on a {$820.00} balance reduced to {$9.00}. I am up to date with payments for XXXX Hospital because I am still a patient. 

Also I just received this letter in the mail today and I know its a scam so Im sending this info to your agency.
Product: Credit card or prepaid card

Recently opened a new credit card, and they went through double verification to process the account. A week later, they have an error code that was not consistent with the account closure. Stating that there were returned payments. No payment was made. And the due date is not until XX/XX/XXXX. 
Furthermore, they then " said my documents were not valid '', when indeed they're. 
Moreover, my privacy was violated, and a major banking error occured -- which has violated my rights as a consumer and protected class. I feel very much victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my credit report many times they never fixed the account and they always lower my score.when I use the credit card I pay the all the palance they never report that sometimes it takes them more than a month to do that and after I dispute that plus when I charge something anything on the credit card it goes on my report the next day they always ask for money to raise your score thats not right
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding Chase Auto. They placed an unauthorized inquiry on my XXXX credit report on XX/XX/XXXX, This was not authorized by me, i was not contacted as is required on my Victim Fraud Alert. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX& XX/XX/XXXX 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX drive time added a credit inquiry to my report that I didn't authorize. I've never done any business with drive time. I've asked them to provide me with documents with my signature and they failed to do so
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  {$6200.00} opened on XXXX XXXX, Account name : XXXX {$1400.00} opened on XXXX Account name : XXXX XXXX XXXX XXXX opened on XXXX, has violated my rights. 

I looked at my 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 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-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: Credit reporting or other personal consumer reports

Notice to agent is notice to principal notice to principal is notice to agent You replied that the alleged late payments you furnished as late was verified but my previous dispute did not ask you for validation. I outlined how a late payment can be late on my previous complaint! 
I am requesting pursuant 15 USC 1681i ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( B ) Contents ( iii ) a notice that, IF REQUESTED BY THE CONSUMER A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION shall be provided to theconsumerby the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. when disputed information can not be verified is to delete that information. I previous asked for this information and you did not provide it. That is a violation according to the law. Please reverse all late payments if can not provide me with the requested description. HOW DID YOU verify that each periodic statement was mailed or delivered 21 ( as per 15USC 1666B ) days before the due date including all information required by 15USC 1637B ALONG WITH THE NEGATIVE INFORMATION NOTICE was mailed or delivered to the consumer prior to reporting a late payment!
Product: Credit card

Used my XXXX XXXX to pay for a storage rental unit as I had done XXXX separate previous times in the immediate year prior XXXX at XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX 
For reasons unclear, new employee at XXXX XXXX ( XXXX ) decided to refuse me entrance to said paid-for unit while claiming her/their right to keep my money. 
I spoke w XXXX  customer service who referred me to this location 's District Manager XXXX. He assured me all was Ok and sent me back to the facility location. I was still denied both access and my money back. 
Disputed w XXXX XXXX timely. Decision was made in 1 day! Representative claimed company had the right to keep {$29.00} admin fee since contract said amount was non-refundable. I argued they could fraudulently rent the same unit XXXX per day then but never allow anyone to take possession while still making {$290.00} per day. Redcard rep said that didn't matter. I also pointed out they kept my {$1.00} rent promotion as well. She said that was my fault, too. 
I said I wanted to appeal. I was told they could only reopen the dispute. Days later the same rep called and told me the dispute was being closed and I lost. 
XXXX XXXX stole from me. I paid for a good or service I was denied AND they still kept my money. 
XXXX failed to follow federal law to ensure I was protected from an unscrupulous vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error XXXX my credit profile that is really causing mea lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me.My legal and full name is XXXX XXXX XXXX please DELETE any other variation of myname ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 
I amemployed at XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrityof my profile. Please delete the following fraudulent addresse : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

I was attempting to buy a shed from an online retailer ( https : XXXXXXXX XXXX  ). The charge was from XX/XX/XXXX. The merchant is " XXXX '' and the amount is {$590.00}. Within minutes after the transaction went through, I realized that the website was illegitimate because I didn't receive an order confirmation email and I attempted to contact their customer support ( which does not exist ) and realized what happened. 

I immediately ( on the same day, minutes later ) contacted Chase while the transaction was still pending, to catch and cancel it as quickly as possible. The Chase representative I spoke to mistakenly opened this incident as a fraud investigation, when it should have been classified as a dispute. The fraud investigation closed and found me liable because no fraud was committed and told me it should have been opened as a dispute case from the beginning. 

From that point on, Ive had a very poor experience trying to figure out the next steps. Ive called Chase several times for next steps and have received conflicting and confusing information from the support representatives, which has caused this process to be lengthy. I spoke to a supervisor of disputes recently and they had said they opened a new case which was to be a Chase liability case since dispute was no longer possible. Then on XX/XX/XXXX I called again to follow up and was informed that I need to upload a letter to begin this process. Ive also been made aware that typically this dispute must happen within 180 days, but due to the communication and other issues Ive experienced with support, I'd like this situation to be considered as an exception and for this charge to be re-evaluated as a dispute. 

In mishandling this dispute, I believe Chase has violated the XXXX Credit Billing Act. 

Thanks very much, XXXX XXXX
Product: Mortgage

Due to improvements in my home, we obtained a BPO to assess the current value. The lender charged us {$150.00} for this BPO The BPO stated that the home is worth {$710000.00}. 

The current value of the loan is {$460000.00}. 

This puts the LTV at 65 %, well below the 78 % threshold. 

Fay Servicing has been unable to remove the PMI in accordance with our request over a period of six months due to outdated and archaic systems.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$390.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXX Balance : {$340.00}
Product: Credit card or prepaid card

On XXXX XX/XX/2020, I made a transaction of XXXX on my Amercian Express Card. 
Due to Covid, the airline changed flight at short notice which was not acceptable as the destination city was in lockdown. 

On the XXXX XX/XX/2020, XXXX XXXX ( The Merchant ) agreed to refund me the total amount of XXXX and this was confirmed in the Final Determination set out by the Aviation Dispute Resolution on the XXXX XX/XX/2020. 

I have still not received any refund despite my filing a dispute with American Express and filing a XXXX Claim. 

I have provided sufficient documentation but still Amercian Express have failed to give me a due refund.
Product: Debt collection

XX/XX/2022 {$990.00} Spring Oaks Capital LLC Company never reached out. I never received any letters. I saw this on my Credit Report when trying to get an apartment. I don't know where this came from
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Duplicate Account Information on Credit Report Transunion, this account is also in the COLLECTION. On XX/XX/XXXX, I obtained the result of my reinvestigation inquiry of XX/XX/XXXX, XXXX, for the account XXXX XXXXXXXX You failed to reinvestigate this account properly, on XX/XX/XXXX, this account was posted on my consumer report as collection from another institution. This inaccurate information is falsely manipulated. You failed to reinvestigate this account properly and your neglect has violated my rights. Enclosed are copies of relevant documents to support my claim, including statements from both institutions and my identification documents on this CFPB complaint of today XX/XX/XXXX. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the account duplication and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX