23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX at the time of purchase I did not have a strong financial background in terms of a job as I was working part time for a retail company making {$10.00} an hour and was a XXXX XXXX XXXX. The car salesmen was aware of this, he asked me to provide my paystubs and student loan information as he will handle the rest on his end. I was only XXXX XXXX XXXX and saved up {$2500.00} from working I had no idea what I was doing but I was looking for a car to get me back and forth from XXXX  to XXXX XXXX for XXXX. In XXXX, I became XXXX  with my XXXX XXXX and had a difficult XXXX which required me to be out of work often, in result I was not making enough money to cover the $ XXXX monthly car payments. I tried discussing a payment plan with Santander Consumer USA however they were not inclined on making such a plan as they wanted a full payment. In result on XX/XX/XXXX the vehicle was repossessed, I did not have the money to pay the past due balance and the fees associated to obtain the vehicle again. When I called late XXXX of XXXX about the vehicle I was told the vehicle had already been sold and the final amount of the account will be sent to me. 

My last call to Santander Consumer USA was sometime in XX/XX/XXXX as I received a notice with a balance of around {$14000.00}, I inquired on why the amount was higher than what the vehicle was purchased and why they were attempting to collect on a balance of {$14000.00} when the vehicle was sold and funds were recouped from the loss of the sale. I did not receive a direct response but instead the call was forward to a department to discuss the situation however no one responded the call. When the account was placed on my credit in XX/XX/XXXX it was first reported as a repossession than in XX/XX/XXXX it was changed to charged off. I have been disputing this case with all three credit bureaus due to the egregious errors placed on my credit and the shady practices that Santander Consumer USA is participating in. Santander Consumer USA has placed on my credit file that {$7500.00} was written off and {$10000.00} is past due. How can I owe {$18000.00} on a vehicle that was not merely purchased for that price, I purchased the vehicle for around {$13000.00} and the vehicle was sold in under 2 months upon repossession. I never received documentation on how much the vehicle was sold for and I still do not understand why there is a balance of {$10000.00}. 
In XXXX, I received notification from the state of XXXX  that my account in question was eligible to have the outstanding loan to be waived under a court case that was ongoing. When I contacted Santander Consumer USA to discuss my account and it being waived I was told my account was not included in the waived account list. When I researched it further and contacted the hotline where account holders can obtain further information about the case I was told that my account is apart of the waiver.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my personal credit report(s) online in XX/XX/XXXX and saw where XXXX reported to credit bureaus TransUnion and XXXX  that I owed them $XXXX. I then spoke to XXXX  on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.Since speaking with XXXX, I continued to monitor my credit report(s) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to $XXXX. I requested “validation”, that was competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.XXXX responded on XX/XX/XXXX where they listed the account identifier (account number) as XXXX and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.After reviewing my credit report(s) for XX/XX/XXXX, I noticed a comment under the XXXX entry that stated, “Account closed at consumer's request and dispute investigation completed; consumer disagrees.” I wrote to XXXX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature. I received no response to date, and they have since reported that I owe $XXXX. The “Payment History” for this account starts at the month of XX/XX/XXXX and is marked “C” for collection. No other payment history is listed before XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was $XXXX. Prior to XX/XX/XXXX, XXXX  was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to XXXX and TransUnion as well on XX/XX/XXXX and XX/XX/XXXX to no avail.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 card or prepaid card

I filed a dispute on some transactions. 
{$51.00} -- XXXX XX/XX/21 During the investigation process, I expected a temporary credit to show up. This did not occur. Instead, the transactions were kept on the statement and interest has showed up. This interest was never addressed. Instead, a rude customer service representative with a number of XXXX conducted instances of rude obstruction ( XX/XX/21 ). 
{$29.00} -- XXXX XXXX XXXX XXXX  XXXX XXXXThis was never addressed even though I attempted to address this issue. The aforementioned rude customer service agent did not attempt to credit the interest that I shouldn't have received. It is within my rights to dispute transactions and not be charged interest on the transactions. They deliberately and fraudulently opened multiple disputes on the same transaction in order to close one of them without evidence and justify charging me interest. 
{$11.00} -- XXXX XXXX  XXXXXXXX XXXX  XXXX XXXXThis was never addressed even though I attempted to address this issue. The aforementioned rude customer service agent did not attempt to credit the interest that I shouldn't have received. It is within my rights to dispute transactions and not be charged interest on the transactions. They deliberately and fraudulently opened multiple disputes on the same transaction in order to close one of them without evidence and justify charging me interest.
Product: Credit reporting or other personal consumer reports

I have submited serveral disputes to Transunion via multiple disputing services and yet nothing has changed. These debts that ARE NOT MINE are still on my credit. I repeat these debts are not mine yet transunion has refused to remove these off my credit. I submitted disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Sure! XXXX the updated version of the letter without the signature line : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file. Specifically, I demand the immediate removal of the following items from my credit report : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1900.00} XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Amount : {$430.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$680.00} Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. I believe that the entries listed above are either inaccurate, outdated, or unverifiable, and therefore, they must be removed from my credit report.

Additionally, pursuant to 15 U.S.C. 1681e ( b ), TransUnion is obligated to maintain reasonable procedures to ensure that the information it reports is accurate. Given that the above-mentioned items do not meet this standard, I demand that TransUnion conduct a thorough investigation into these matters and remove these items from my credit file immediately. 

Please provide written confirmation that these items have been removed, or that an investigation has been initiated in accordance with FCRA guidelines. If TransUnion fails to respond or provides inaccurate or incomplete information, I will escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) as permitted under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

I expect to receive a resolution within 30 days from the receipt of this letter, as required by law. 

Thank you for your prompt attention to this matter. 

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

Back in XX/XX/, XXXX worked in my family 's home to install Vinyl floors and everything seemed fine until they started calling me about an additional balance. Their policy is that they don't complete the work until you pay. So it is required that you pay before installation which, I did. My bank statement from the time shows several payments made to them. However, they still have on my XXXX account that I owe them {$830.00} which I do not. Before the sent the account to collections I spoke to a few people about it and was never provided a copy of a signed agreement nor a copy of an incomplete invoice. So this was removed from my XXXX and XXXX credit reports over a year ago. Now, I filed a dispute to remove it from XXXX but it was not removed nor was documentation to prove their claim provided. So, I'm reporting this because I don't owe that money and if they could prove I did I would have paid it years ago and they wouldn't have removed it from my other reports.
Product: Vehicle loan or lease

In XXXX of 2024 I received numerous collection calls and notices regarding the loan. The notice stated if there was no payment made before XX/XX/XXXX, the loan would be determined 60 days late. ( Please see attached printed email with XXXX date and the amount listed of {$910.00} ). 

There were payments after the date on the email. 

Regardless of payments made, I am still receiving notices for additional collection and 90 day activity on the account. 

The additional payments were not rejected and have been deducted from my bank. 

Bridgecrest has not applied the payments to my account, and the aging report for my ledger is incorrect.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus, Inc. appear in my credit report as a debt collector of a debt that I dont have.
Product: Payday loan

The amount Speedy Cash charged is absolutely more than the amount I paid. I paid the amount of the loan but balance is XXXX that amount. I advised them to verify but got no response. The account is now with XXXX XXXX XXXX XXXX IN
Product: Credit card or prepaid card

PLEASE REFER THIS COMPLAINT TO ( OCC ) OFFICE OF THE COMPTROLLER OF THE CURRENCY. There is a billing error on my account. The balance is reflected in a positive amount. I was also never given the disclosures specified in 12 CFR XXXX Treatment of credit balances. XXXX Treatment of credit balances. When a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to move money from XXXX XXXX  to XXXX XXXX XXXX. I had a Bank Check in the amount of over {$100000.00}. I wanted to put the money into a CD. The Banker did what he called a soft inquiry into my credit report and found a problem with my credit. 
I was concerned that that there may have been Identity Theft since I've never had a problem depositing money in any other bank. I also have no outstanding loans, no mortgage, etc. I did my own credit check through XXXX XXXX and my Credit Score was XXXX and I was provided the long form showing my credit cards and payment history. The remark on the form said " XXXX, you have excellent credit. '' I received a letter today from XXXX XXXX which told me nothing other than the consumer report they used to evaluate my application was Experian, Inc. I can not seem to get any information from Experian. It's impossible to contact them by phone. I did my own credit check through them and got about the same report as through XXXX XXXX. 

Your assistance in this matter would be most appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 sectioXXXX XXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX 


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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Mortgage

I got a call from AmeriSave the morning after I talked to my mortgage lender and acted like he was working with him. I proceeded to give him my information thinking he was with guaranteed rate. After telling him what happened he still proceeded to try and sell me. I then looked at my account realizing that XXXX dollars was taken out of my account for an application fee. I dont know where he got my information from in the first place to call me. I tried to get a refund but he is refusing and is also refusing me of talking to his supervior. I received the phone call on XX/XX/XXXX then realized what happened on the XXXX and try my hardest to put a stop to it he is still emailing me today.
Product: Checking or savings account

I have been using the XXXX app, which lends money, for over a year without issue. Now, all of a sudden, within the last month, PNC Bank has denied the ability to link this app to my account. I tried another app, XXXX, and it was also denied. This is making it impossible for me to get money I need to live on.
Product: Debt collection

I never received any communication from Credit Corp Solutions Inc., which is a violation of 807 False or misleading representation and 809 Validation of debts. I knew nothing until I received a summons for court
Product: Debt collection

Unhelpful employee. I called in regards to a dispute made towards the company which was deleted from my credit report. There are numerous amounts of calls received from multiple different numbers daily. They call and immediately hang up before I can get the chance to answer. When I call back I am put to an automated system to which I have to dial numbers to reach a representative. This is not okay and prevents me from answering other important calls and trusting other calls are from a reasonable company or person.
Product: Debt collection

I am a victim of identity theft which I reported last year. This debt was on my credit report and I reported as fraud. It was removed from my credit reports. The collection agency has once again added it back on my credit report! I never opened an account and have explained it multiple times to them. Please remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Correct amount owed should be {$7200.00} with 7 payments remaining. Ive contacted the creditor and credit bureaus on numerous occasions with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed due to XXXX XXXX XXXX XXXX XXXX has fell to correct the inaccurate late payment that being furnished to Experian, XXXX, and XXXX in regard to this account. I have made multiple attempts in trying to resolve this matter privately. I have shown XXXX XXXX XXXX XXXX XXXX the error in the reporting of this late payment, which they have fell to correct, which is a violation under the FCRA. This will be my final attempt in resolving this matter before filing a complaint with the XXXX for arbitration. XXXX XXXX  XXXX XXXX XXXX has defamed my character by placing this inaccurate information on my consumer report.