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

We purchase a vehicle with the company. And we wanted to trade the vehicle. And which tried to get another loan through them, which that was not and all for that they were willing to accept so we moved and Call the company. 
To volunteer surrendering the vehicle of which we were told that they would let us know if they were going to accept that so at which point I stated. Once you receive the autograph as well as the social security numbers on the instrument, which is the application, the Automobile is technically paid for, Of which the young lady stated via conversation that we were having that, they would in fact, state that it was a real possession. I said so you're going to lie and say that it's a repossession vs a volunteer surrender, and she stated. That's what would go on the consumer report of which they have in fact, we have received an email letting us know that a repossession agency. Would be reaching out to us Regarding the pick up of the vehicle, which is not an issue of the vehicle being picked up.However, the issue is lying about a repossession and we have proof as well as they do.All payments are up to date our next payment is not due until XX/XX/year> which is next year
Product: Mortgage

Finance of America sent a certified letter of the Estate of my Mother. XXXX XXXX XXXX. I am unable to obtain the letter because it requires a POA which I do not have and can not get because my mother is dead. I need the letter sent to me uncertified so I can respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputes errors for with my credit report pertain to a charged off account with XXXX XXXX both accounts opened XX/XX/XXXX and XX/XX/XXXX. Charged off accounts should Never be associated with any late payments on top of it a charge off account. 
While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Names XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXX Theses charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item IMMEDIATELY It is illegal according to FCRA section 623 it states that an account can be reported delinquent on the months that it is delayed but once an account is closed it can only reflect charge off or late up to the date that it closed due to this violation the account by law is required to be delete any information including the account from my credit report permanently I previously disputed the same errors with CRA TO INVESTIGATE THE FACTUAL ERRORS ON MY REPORT XXXX XXXX they properly researched the account errors and deleted the account from my file using the the FCRA LAWS THAT WERE VIOLATED BY XXXX XXXX XXXX and XXXX XXXX TransUnion ALL CRA SHOULD BE REFLECTING THE SAME BALANCE PAYMENT HISTORY AND THEY DO NOT OTHER FACTUAL ERRORS VIOLATES FCRA REGULATIONS I HAVE ASKED THE CRA XXXX XXXX TransUnion TO INVESTIGATE violations and THEY FAILED TO COMPLY with Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA XXXX and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I have also filed complaint with the XXXX  AND FTC IN REGARDS TO THE CONSTANT NEGLECT-ION OF MY DISPUTES
Product: Student loan

I HAVE BEEN DEALING WITH SALLIE MAE NOW NAVIENT WITH MY STUDENT LOANS EVER SINCE I ATTENDED XXXX XXXX IN XX/XX/XXXX-XX/XX/XXXX. NAVIENT STEERED ME TO A FORBEARANCE WHEN I GRADUATED IN XX/XX/XXXX BECAUSE I COULD NOT PAY THE $ XXXX  MONTHLY PAYMENT, SOON AFTER MY FORBEARANCE WAS OVER MY LOANS WENT INTO DEFAULT REALLY HURTING MY CREDIT, THEY THREATENED TO GARNISH MY WAGES. SALLIE MAE AT THE TIME MENTIONED TO ME THEY WERE GOING TO WORK WITH ME BUT ALL IT WAS AN INTEREST ONLY PAYMENT AND THE LOAN AMOUNT KEPT GETTING HIGHER AND HIGHER EVERY MONTH WITH THERE RIDICULOUS INTEREST RATES OF 10 % -12 %. STILL TILL NOW IT HAS BEEN ALMOST 10 YEARS OF PAYING AND I STILL OWE XXXX ON THESE PRIVATE LOANS. THE LOANS FROM XXXX I CALL THESE. I AM A VICTIM OF DEFRAUDED ON THESE LOANS AND A MALPRACTICE BY NAVIENT IN MANAGING MY LOANS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items and i want them to be removed from my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

On XX/XX/2018, I received notification from the credit reporting agencies that I had received a collection from American Express for non payment on a credit card I had no knowledge of. The collection reported on my credit file is around {>= $1,000,000} dollars, of which I have no knowledge of. I'm a victim of identity theft, please see attached ( 2 ) police report documents. The police reports explain everything I incurred during the robbery. I was robbed and my purse was taken from me violently. American Express has let someone explort my identity and as a result placed a derogatory mark onto my credit file. I've never done any business with this organization before. This has caused a major hardship due to me being a business owner and must retain good credibility. I pride myself on being viable and to maintain good credit health. This situation over the holidays has been troublesome at least. I would like something done about this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX # 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 an account without my written instructions.
Product: Debt collection

Equifax has once again placed a XXXX debt from XXXX on my credit report, lowering my credit score by XXXX points and causing actual harm to my health because I am now unable to qualify for the credit I need for a necessary XXXX XXXX. Regardless of your business relationship with XXXX, you must permanently delete them from my credit file and never again allow them to place XXXX debt on my credit report. Equifax removes XXXX for many months, and then suddenly, when I apply for credit with other companies, XXXX appears again. The debt was XXXX a year ago. Remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX XXXX. XXXX ( A ) ( 1 ) A person shall 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: Money transfer, virtual currency, or money service

I just trying to fix this problem with my ID getting stolen and tried to dispute my account and I didn't get any thing done and was mislead and they are not trying to let me dispute anything and I really don't know whats or how to do any financial stuff at all so I think they taken advantage of me if someone could contact me about this matter please thank you .... XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to XXXX, Transunion and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.
Product: Credit reporting

The item with XXXX XXXX was deleted from my Equifax credit report on XXXX/XXXX/XXXX and it was re-inserted back on my credit on XXXX/XXXX/XXXX. There was no reinsertion notification as required by law. 

Equifax, XXXX and XXXX FAILED to notate on my credit report that this item was in dispute per the FCRA. 

I 've been dealing with this issue for 2 years now and they reinserted the item back on my credit without notifying me within 5 days. 

They are in violation of the FCRA/FDCPA on the following counts : 1 ) Neither XXXX, Equifax nor XXXX, notated the item in dispute. Still current report is not notated. 
2 ) Equifax deleted item and reinserted back on my credit. 
3 ) Equifax did not notify me within 5 days nor did they send me any information at ANY time informing me of the reinsertion. 
4 ) XXXX failed to cease collection activity My last attempt to get this resolved was a certified letter tracking # XXXX sent to XXXX on XXXX/XXXX/XXXX informing them of the violations. 

I am asking Consumer Financial Protection to help me get this resolved, it 's been 2 years that I 've been dealing with this. My last resort would be to contact an attorney and file a lawsuit for all of their procedure violations. I hope it does n't come to that. All of this over a {$47.00} collection that was previously deleted. This item is the only blemish on my credit report. 

This company clearly has no regard for following ANY of the FCRA/FDCA consumer laws. 

Attached is several pages of my credit reports showing the item deleted on several dates as stated and then reinserted. Attached also XXXX reports from several dates where they failed to notate the item in dispute.
Product: Checking or savings account

I use a company called XXXX to pay my rent, it allows you to break your rent into XXXX payments, the first payment came out on the XXXX, the second XXXX XXXX in the amount of XXXX. I have verified with XXXX that they received the payment on this day. However I now have a XXXX payment pending at Chase in the duplicate amount of XXXX since XXXX. I immediately reported it to Chase. why is Chase taking so long to remove the erroneous transaction? Ordinarily I could be more patient but I have other bills that need to be paid. Will Chase cover my other bills while they do what they are doing? XXXX has said they received my payment already. What is Chase doing?
Product: Checking or savings account

XX/XX/2024 To Whom It May Concern : I am writing to express my concern regarding a charge I do not recognize, issued by BMO, to which I have not received a satisfactory response despite my multiple attempts to resolve it in person, as well as through telephone and online communications.

XXXX. Due to work commitments, I travel frequently. Upon returning home on XX/XX/2024, after an absence of XXXX months, I found XXXX letters from BMO in my mailbox. The XXXX  notification, dated XX/XX/2024, informed me of a payment delay on a loan, requesting a payment of {$35.00}. 

XXXX. On XX/XX/2024, I visited the BMO branch at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. There, I spoke with the employee XXXX XXXX ( XXXX : XXXX ). After explaining my situation and showing him the correspondence received, he searched his system and informed me of a {$750.00} charge corresponding to a personal line of credit, alleging the use of a check, which I denied, as I have never requested money nor received checks from said account. Despite his telephone attempts with the bank, only other contact numbers were provided. After about XXXX XXXX, he suggested I make a payment of the overdue amount to proceed with the claim, as he could not access more information in his system due to it being in collections. When I requested to make the payment in branch, he indicated it had to be done by phone. I requested some proof of my visit and disagreement with the charge, but he informed me that it was not possible. 

XXXX. I called the number XXXX XXXX XXXX, as XXXX XXXX had indicated, to make the payment using a XXXX XXXX XXXX account, accepting an additional charge of {$10.00} for the telephone service. 

XXXX. Unsatisfied with XXXX XXXXXXXX XXXX response, I also filed a claim on BMO 's website, detailing my experience at the XXXX and XXXX XXXX. 

XXXX. On XX/XX/2024, I returned to the same branch to follow up on my case, speaking again with XXXX XXXX. When asked about progress, he indicated that there were no new developments but that he would now make a report in the system for me to sign, which I did. When I requested a copy or report number, he indicated that he could not provide it, claiming that this is the established procedure. 

XXXX. The response I received through BMO 's website informed me that I should proceed by telephone. Upon calling the number XXXX XXXX XXXX, after several attempts and without finding a specific option, an employee identified as XXXX ( employee number XXXX ) informed me that, although he did not see any claim registered under my name, he could not process a new one as I supposedly had already made one with XXXX XXXX. He suggested I contact him directly, regretting he could not offer more help.

Given this situation, I respectfully request your intervention to resolve this matter, ensuring that my rights as a consumer are respected and the unrecognized charge is properly investigated. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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  USDOE/XXXX XXXXXXXX XXXX XXXX USDOEXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the following XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me. They should not be on my Transunion credit file.
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts. I have never been late, but they are erroneously reporting me as such.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 my 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 XX/XX/2022 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 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

I am writing to complain about the lack of customer service and proper procedures from Chase Bank. I have had and maintained a checking and savings account at this bank for several years. On last week, I tried to obtain an online personal loan, the company contacted me and told me I was approved, they needed my routing number and account number in which I provided, they told me how much would be deposited into my account, later that day they called me and said my bank would be sending me a passcode and to give them the passcode, I did and they claimed they deposited {$240.00} into my account, I informed them that no they did not. They were able to get into my account and make a fraudulent claim, that's how the passcode was sent to me. When I figured out what they did, I called Chase immediately to report it, then I called the company at XXXX. I told them not to contact me again and that I was calling my bank, because this was fraudulent. They were trying to get me to withdraw the {$240.00} and send to them from XXXX or XXXX, I told them I was reporting this to the police and to my bank. Someone how they were able to get into the banks system telephonically and fraudulently portray me as if I was making a fraud complaint about some funds that I had already received from the bank a couple weeks earlier. I contacted the bank immediately, at the time this happened, I only had about {$160.00} in my checking account, but when I checked it, it had a balance of {$400.00} and I told the bank that the balance was incorrect and I explained what I figured out had happened, someone was trying to scam me. I instantly called the bank to inform them and the very next day, they changed my telephone password and I felt like the matter was resolved. I tried to withdraw some funds for my personal use and could not, I called the bank and was told there was a restriction on my account and that the bank was closing my account. They would not provide any details as to why am I being punished for fraudulent activity that I reported regarding my account. I never withdrew the funds, no explanations were given and I feel as if I'm being treated unfairly and possibly damaging my credit by Chase closing my account due to no fault of my own.
Product: Debt collection

We have continually in writing asked for an itemized list of charges that supports the amount attempted to be collected. The itemized information given by A.R. Audit services from XXXX XXXX shows a total owed of {$3200.00}. A.R. Audit services is attempting to collect a principal balance of XXXX, along with interest and fees of {$160.00}, for a total of {$7000.00}. We have spoke with XXXX XXXX the original debtor of this account and they encouraged me to supply my own supporting information from my XXXX account documents. After completing this in writing, and over the phone A.R. Audit Services continues to try to collect the {$7000.00} without supporting documents. We would like to end this harassment and fairly settle our debt owed, but the actions of A.R. Audit Services and their attorney XXXX XXXX have prevented us from doing this.
Product: Credit card

My credit card payments with Barlcays are set up to automatically be done a week before the payment due date each month, and I have done this for several years and always paid in full. There was a delay in transferring funds to the account that the payments are withdrawn from, and this led to an {$29.00} overdraft fee on XX/XX/year>XXXX  for the credit card payment of {$2600.00}. The payment was automatically re-attempted and went through successfully. I contacted customer service regarding waiving the {$29.00} overdraft fee especially since the payment is still not due until XX/XX/year>XXXX  and I have been a customer in good standing for several years with a high credit score. The charge is unfair for a payment that is not even late and disrespects the customer relationship, and they said they can not do anything, which I find hard to believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXXXXXXExperianXXXXXXXX after I purchased a credit report with XXXX XXXX dated XXXX XXXX After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Accounts : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}, on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please update these negativity IMMEDIATLY.