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

I had a XXXX XXXX account from XXXX  with an auto loan along with personal line of credit. I suspect I could be eligible for the settlement XXXX has agreed to due to everything listed in the settlement.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Experian to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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, credit repair services, or other personal consumer reports

Hello and greetings : I am a customer with XXXX XXXX. in XX/XX/XXXX/XX/XX/XXXX I  experienced difficulty and was advised by XXXX to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, XXXX was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with XXXX and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with XXXX and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to XXXX reporting me late on XX/XX/XXXX payment etc I began to contact XXXX. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the XXXX headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my XXXX XXXX accounts reported on my credit file. I am not late in XX/XX/XXXX nor after the written accord between XXXX collections and myself. 
I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to XXXX with all late fees paid as well. 
My thoughts is that XXXX should not be reporting me late and should be practicing due diligence pertaining to me account and XXXX credit reporting ... My question for this bureau is what do I do from this point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by XXXX and the whale verse small fish tactics??? 
Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect XXXX to reflect my timely payments and credit worthiness. XXXX has cost me enough duress and loss of enjoyments ; now my intention is to communicate to XXXX that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a payday loan from XXXX in XXXX Nd, The loan before this one was deposited before the date it was to be causing me to overdraft and fees. About XXXX in fees. This next loan came due and I could not pay it. Now they turned it into XXXX XXXX agency XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX but they didnt list it as XXXX but united accounts inc. I called XXXX XXXX and they confirmed it is XXXX. They put this on my credit report without sending a bill letter anything, Debt Parking. 
Now XXXX credit has sent it to XXXX XXXX to credit bureau of XXXX XXXX mn and the debt is listed as Credit Bureau of XXXX not correct. There reporting XXXX and that is against MN law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  my identity was stolen XXXX XXXX  refuses to close those accounts .... they are constantly calling and reporting on my credit and other peoples credit its fraud the police report was submitted
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

To whom it may concern, Chase bank charged wrongly overdraft fees, I have alert of low balance or unsuficent fee balance and always deposit immediatly to cover transactions if needed but Chase always changed the order and charged me overdraft fee anyway. when you call they said their per their guidelines they don't refund more then 2 overdrawft doesn't matter bank fault or not.

Taken {$34.00} from people is money just because you can is not Ok.

See attached documents. When Chase refund, they always find the way to take back what they refunded in first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Experian, XXXX, and XXXX dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed. 
They did in fact received my dispute information and I have proof of mail service that it was received from the bureau. You all believe them and now I will be filing a claim against you all. I have proof of service that my disputes were received.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX, on XX/XX/XXXX I go to the XXXX company to buy a XXXX  car that I saw on the website for {$21000.00}, the seller XXXX XXXX confirmed that that was the price, for the hour they brought me the XXXX XXXX car I went to work and on XX/XX/XXXX I went to pick up the contract, on XX/XX/XXXX I communicated by email with the seller XXXX indicating that he is not satisfied with the contract, he told me to please go to the store to explain, I went to the store on XX/XX/XXXX told me that there was an error, it was charging me USD XXXX for maintenance plan, that they would call the bank to fix this and send me the new contract. 

Days passed and I had no response for the e, XXXX, he sent an email to the seller and he did not respond, on XX/XX/XXXX I sent him a text message on his cell phone, I asked him if they had any answer, he told me that his financing The manager told him that it was already resolved and that the bank had already deducted it, that they did not have that document because it is a correction and that the bank has it, which is not true. 

I receive the account statement, monthly payment {$470.00}, I contact the bank and they tell me that the debt is for XXXX, you sent that agreement. 

It is not the first time that I buy a car with this company, this is the fourth car and obviously the last, I feel cheated and discriminated against for being XXXX, if you say a price on the web you can not charge USD XXXX XXXX more in taxes and others expenses They charge me for things that are not correct, they put XXXX dollars in maintenance plan that they have never charged me before in previous cars On the website it says a price and at the time of settlement they give you another, they do not know how to explain why the extra charges, taxes and services can not charge more than {$7.00} XXXX
Product: Mortgage

XXXX XX/XX/year> : Closed on Assumable XXXX  XXXX  with Freedom Mortgage ( FM ) XXXX XXXX XXXX XX/XX/year> : Online account access created and updates were made to the account online. 
XXXX XX/XX/year> : Online account locked by Freedom Mortgage. I contacted FM to verify the reason for the account being locked and they stated that Assumable Loans have information from the previous owner and they were updating their database to remove the info and allow access, but I would need to be patient and access would be restored. 
XXXXXXXX XXXX  : Online account access restored for Assumable Mortgage. I was able to complete updates to profile and view documents online. XXXX to online account was functional for approximately XXXX months. 
XXXX XX/XX/year> : Attempted to access online account to verify information. Unable to login to account, as it appeared access was removed once again. 
XXXX XX/XX/year> : Contacted FM to inquire about getting online access back. Advised by FM that online account access is " not allowed '' for Assumable Mortgages. I informed the customer service rep that I had access reinstated in XXXX after the account being previously locked. XXXX stated that I " will NEVER have online access again for the duration of the loan ( XXXX more years ) '', since I have an Assumable Mortgage. Requested a policy letter from FM or a law stating this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023 I'm receiving an error at XXXX when trying to get my credit report online. This has been on ongoing issue. Congress has established the consumers should be able to get a free annual credit report ( and through 2023 actually more frequently than annually ) and not have to jump through hoops requesting it via snail mail ( i.e., USPS ).

I am looking for resolution to get the report via the website, and not via USPS. 

Below is the error message I receive : ************************************************************************************************** experian. 

We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I wish that the following items be updated or deleted. This incorrect information are affecting my Credit Record and Score. Please verify the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

On XX/XX/year> a mysterious charge appeared sandwiched in between some XXXX purchases XXXX XXXX XXXX XXXXXXXX for XXXX. The number provided is disconnected and Ive never heard of this store. XXXX I believe added this fictitious charge but I cant prove it. Only XXXX and XXXX XXXX had this card number so its definitely XXXX of them. I can not talk on the phone right now due to medical issues with my throat. Ive sent them a letter that they ignored. In that same letter I explained my trouble with XXXX but this complaint isnt about XXXX but rather the XXXX charge for XXXX. Can someone help me get my money back?
Product: Credit reporting or other personal consumer reports

My credit score is far off and have not been updated in months I been getting turn down due to incorrect score equifax need to fix my problem asap or legal actions will follow
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I took out a home improvement installment loan with XXXX XXXX XXXX to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XXXX my business failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with XXXX XXXX. and they charged off the remaining amount of {$6500.00} in XXXX of XXXX. In XXXX of XXXX I applied for a home loan to purchase a new house. I was denied and told I had credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. 
I called and found that XXXX XXXX reported to the credit bureaus the home improvement installment loan, but the XXXX report FALSELY labeled the loan as a Real Estate Loan/Mortgage loan. I asked XXXX XXXX to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' They apparently ignored the letter and nothing was changed. ( see attached response from XXXX ) This error will prevent me from qualifying for a home loan for 4-6 years!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i sent in my Dispute to Experian using USPS certified mail XXXX. I requested that Experian provide proof of investigation and proof of negative payment status for the following accounts showing on my credit report : XXXX XXXX  Flexible spending credit card with account # XXXX XXXX XXXXXXXX XXXX XXXX with account XXXX XXXX XXXX Charge account with account # XXXX Experian responded that accounts were updated but all information remains the same on my credit report. Experian also DID NOT provide proof of investigation and proof of negative payment status for the following accounts listed above. I request that these accounts be removed from my account immediately The FCRA requires credit reporting agencies to report accurate and complete information. Under the FCRA, these agencies and the entities that provide them with credit information ( like lenders ) are responsible for correcting inaccurate or incomplete information in your report ( 15 U.S.C. 1681e ( b ) ).

If a consumer disputes the accuracy of information in their credit report, the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is inaccurate ( 15 U.S.C. 1681i ( a ) ). If the information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted.

Entities that provide information to credit reporting agencies ( furnishers ) must also ensure the accuracy of the information they supply. If a consumer disputes the accuracy of this information, furnishers are required to investigate the dispute and correct any inaccuracies ( 15 U.S.C. 1681s-2 ).
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXXI Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX UNI Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX UNI Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXXXXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

BARCLAYS BANK/BAN REP XXXX
Product: Credit reporting or other personal consumer reports

I mailed out a ftc report regarding XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Which explained the identity theft and account take overs to equifax XXXX and XXXX XXXXXXXX states that the information i mailed came from a 3rd party when it was I that mailed the documents with the written request to block those accounts. Equifax states they never received the documents.
Product: Credit card or prepaid card

I applied for a care credit card and received their card.I used the card for my cat. My cat did not make it. Then I got a senior cat and took her in for dental work. The bill was over {$900.00}. The c/o was accepting my payments and then started raising them.I started paying {$50.00} dollars a month which they accepted.They were adding interest and I was not able to pay more.This happened in XXXX. I made mistake.I have had to block their number, but they send me daily voice messages. I sent them a letter and a payment of {$50.00} on XX/XX/XXXX and it has not reached my checking account. I have paid every month. I will send a copy of their letter I received in XXXX. Thank you, XXXX XXXX
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Requested to verify the debt with my wet sugnature, requested 1099c