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

Refusal by VYSTAR to reply, apply, or comply with XXXX XXXX XXXX related hardship despite online deferment hardship applied for in XXXX and followed up by chat, faxed & email contact. During what should be a deferment period we just made a payment of the regular monthly payment plus 25 % within 3 months of being in the eye of XXXX. Multiple efforts to ask Vystar to give us time to get up to date. Online chat in XXXX confirms 3 months deferment would be given to other consumers. Right away, in XXXX ; XXXX we brought insurance requirements up to date to comply, as the chat instructed. Instead our request, and XXXX request for written communication was ignored, fees were applied. The sole email back 2 months later ( which was the only contact ) falsely stated that proper notice was given to car owner. This is provably false and our documented appeals since have been ignored. Ultimately our modest used car ( used to commute to the families only job ) is apparently being repossessed. Within a couple of business days after initially filing a XXXX complaint ( which referred us to CFPB ) a business card of a XXXX company called to our family home in the XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What other action needs to be taken here instead of constant complaints against Experian? 

Do I need to find a resident agent in my state and sue for damages? Please advise what my next steps should be because Im sick of making these complaints and getting no relief. Maybe if a judge orders them to pay damages for all the things Im being denied for due to incorrect credit score reporting then they will get the picture. 

My credit score comes up as seriously delinquent yet I have zero missed payments, no collections and 2 late payments in the last 5 years. My accounts are ALL PAID AS AGREED. Where does SERIOUS DELINQUENCY come from? I will not take the almost XXXX point hit to my credit score from a late payment made 60 months ago ( that I corrected the day after you reported it ) and a seriously delinquent status on my report at the same time. This company is LYING by definition of what a serious delinquency even means. Additionally, I check my score EVERYDAY it is currently XXXX, yet Experian continues to report my score as XXXX. Please see the attachments. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 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 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 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 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: Debt collection

XXXX A company I never heard of is reporting that I owe a debt onXX/XX/XXXX. I believe it to be a fraudulent account and I would like it removed from my credit report please. 

On XX/XX/2022 i tried to dispute the account. Without reason it was not removed. 

I have upload a screenshot of the account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX XXXX : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear XXXX Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report : Creditor Name & the account : XXXX I would like to see my payment history this account. Can you please send it to me. I paid off i have a XXXX  balance. please look all 3 credit bureaus with different reporting this needs to be remove from my file and the credit bureaus it not reporting not accurately I wait your response, Thank you.
Product: Debt collection

I opened a XXXX credit card on XX/XX/XXXX approved for {$5700.00} Made a furniture purchase on XX/XX/XXXX for {$3700.00} XXXX on XX/XX/XXXX Product came damaged, we contacted the company the next day and they offered to exchange it. 
On XX/XX/XXXX XXXX scheduled appointment to pick and exchange furniture for the exact style undamaged but wouldnt get new items until XXXX. 
XX/XX/XXXX we received a single piece ( loveseat ) XX/XX/XXXX we received the remainder new set of furniture and it too was damaged. 
XX/XX/XXXX a third exchange for a single piece was delivered. 
After speaking with management and trying to get it right, we asked to fully return the product and they made arrangements to take all the furniture back to store. 
XX/XX/XXXX was original schedule date to pick up but changed to XX/XX/XXXX Management issued a full refund but somehow I still had a balance of {$130.00} that some how stayed on my account. The interest fees continued to grow. I spoke with XXXX from customer service and she was unsure why I still had a balance. 
I went to speak with the salesmen and Store Manager where I bought the furniture from. He ensured my balance was fully refunded. I explained that I am receiving bills that are racking up interest and late payments. 
I went back and forth with the store and customer service on this matter which was a long drawn out battle. 
My final balance was reported on my credit report at {$420.00} I then received a letter from TD Bank dated XX/XX/XXXX stating they received information regarding fraud. ( See attached Letter ) I then contacted TD Bank and explained that I am trying to understand why there is an amount of {$420.00} on my credit file and that no one has been able to assist me with this credit reporting. I received another letter from TD Bank dated XX/XX/XXXX from a XXXX XXXX XXXX and I have been calling her and all calls go to her voicemail. So I once again went back to the local XXXX store and received documents supporting my return of furniture. I compiled all letters, store reports, billing documents, etc. and sent it to TD Bank on XX/XX/XXXX via Certified Mail to XXXX XXXX. I have been calling the phone number listed on her letter XXXX and have no success in phone calls and no response to my written request.
Product: Credit reporting or other personal consumer reports

Upon checking my report I noticed a few evictions that I do not recognize
Product: Checking or savings account

I opened a savings account with Citi. I did make a previous complaint because they did not award to promised air miles but that complaint was resolved. I closed this account in XXXX, 2023. 

I have now received two XXXX forms for XXXX. XXXX for the correct amount of interest earned. The second was for an incorrect amount for the bonus promotion of XXXX miles. I know this is incorrect because my husband opened the same kind of account, never had a problem and received one XXXX form with both cash interest and an amount for the miles promotion. His single XXXX shows {$300.00} for the miles promotion. The second XXXX I received shows {$600.00} for the miles promotion. I explained in my phone call to Citi that once these XXXX forms were filed, the IRS will expect me to pay tax on an incorrect amount. Citi 's representative 's advice was to ignore it. Having worked in the business world, I know the only way to correct this is the submit ( to me and to the IRS ) a corrected XXXX form. 

I have entered only one account number. However, the second XXXX shows a completely different account number which can be read on the uploaded document.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : $ {$11000.00} XXXX XXXX  XX/XX/2022
Product: Debt collection

Paid my XXXX loan off after 4 years of payments. Took every last penny in my account. Thought I was done with these XXXX. Then the following month Great Lakes withdrew my monthly autopay amount of {$590.00} out of my account. I called and the extremely condescending representative informed me that, despite paying off the loan I still needed to turn off autopay. Ridiculous! What other loan servicer requires that? To make it more absurd, you cant turn off autopay online once you are done making payments. Great Lakes informed me that they couldnt refund my payment for 45 DAYS! It took every spare penny to finally reach my goal of being debt free, how can I pay my rent this month? I bet that the majority of people use autopay and many of them dont realize they need to cancel after paying off the loan. If Great Lakes is holding on to an extra payment for all those people for 45 days they are earning some serious interest. Its criminal and sad. I guess they have the federal government feeding them customers so what do they care if young people trying to repay student loans get XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct this erroneous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, particularly regarding the following accounts : The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame. 

XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against XXXX Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Wells Fargo charged me XXXX XXXX dollars over a 10 year period in false overdraft and no sufficient funds fees. I had finally had enough of their false and double charging my account in XXXX or XXXX and closed my account. They tried to send me a check for XXXX dollars which was far, far less than than what I was owed. I called them requesting they reevaluate what they owed me. I left message after message and they never returned my call or sent the information. I tried to update them with a new address thinking maybe they'd attempted to contact me and didn't have the right address on file but they never got back to me. This amount is maybe in the XXXX of XXXX  of dollars. I need to see my bank records and I need to update my address with them and then receive a that money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from XXXX XXXX has been listed on my report without my authorization, and upon reviewing the matter, I believe that Experian has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check from the US Department of the Treasury, it was placed on hold. The following morning, I awake to find out that the check was released, so it was a good day. I go about my day to pay some bills and what not, my debit card gets lock, it was still early but the chat function was open so I chatted got the card unlocked processed to try to pay a bill again, card locked again, chatted again, card unlocked, I was able to pay 2 bills before the card was locked again. Chatted again, unlocked again, tried to pay another bill card declined, This time I called, the XXXX  said everything was fine there were some fraud alerts she cleared them and said everything was fine. I go try to pay for something else and once again it was blocked, I called again and the XXXX  advised me that it was due to a check being deposited in my account, i asked her what was wrong with the check she said it was fraudulent and i asked how, she said because the note line didn't have my name in it and it had 'XXXX  XXXX XX/XX/XXXX tax return XXXX ' ... which did not match my name and sent over a fraud request, well in the process the are closing my account and send the check back to the IRS due to it is a fake check, so she hung up on me and i called back and then she advised that an outside bank started the process by contacting them saying the check was a fraud, i then called the Bureau of Fiscal Services and was advised by a XXXX that was the memo line and the check in fact a good check. So now I have no money on the first of the month to pay bills or feed my family not to mention i am going out of town Saturday and they keep telling me 3 days for a resolution. I have no food rent is due and because the XXXX did not do her due diligence of checking/verifying the check I am in danger of losing my home car and not to mention my kids are hungry and I was going grocery shopping. No one at the bank can give me a straight answer, you can't talk to anyone outside the call center and they will only switch to other XXXX  that will give you the same spill... I don't know what else to do or who to turn to. I have cried and cried and no-one at that bank is concerned or is trying to help me. I feel like I was singled out because of the amount of the check ( XXXX ) and who I am, a XXXX woman that got angry about her money...
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was paid off on XX/XX/XXXX they are reporting loan still active and late for XXXX. I have made four calls and disputed with all three credit agencies. Still showing active and late payment. Today the denied us for a new loan for another vehicle. I have hit road block after road block with this issue. 

Company is Ally auto
Product: Credit reporting, credit repair services, or other personal consumer reports

There are derogatory remarks on my three credit reports as reported by phh from XX/XX/XXXX to XX/XX/XXXX. This property was taken by the state of new jersey, court order attached in XXXX and i have a contract signed with phh so those months being late is INCORRECT. Yet another mistake that this terrible company refuses to fix. Class action lawsuit
Product: Credit reporting or other personal consumer reports

With Equifax my report has been incorrect for about 3 years. It shows a blank account every time I check. I have called enough times to be declared legally insane. Not only have I been told on countless occasions that they will advance it to their technical team, theyve reverted it and put information that was incorrect on it multiple times over the past 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act 15 USC 1681 section 602. It is imperative that Consumer Reporting Agencies uphold this responsibility to the consumer and respect their right to privacy. The lawful right to keep my information private in accordance with 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of the customers non-public personal information. ( XXXX XXXX, Midland Credit Management, XXXX XXXX ) are considered financial institutions under that title. In accordance with 15 USC 1681 section 604 stating that In general subject section ( c ), any Consumer Reporting Agency may furnish a report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX, Midland Credit Management, XXXX XXXX  ) Furthermore I did not give consent to the financial institution and the Consumer Reporting Agencies XXXX, and XXXX and they absolutely did not have my written consent. XXXX and XXXX ( XXXX XXXX, Midland Credit Management, Portfolio Recovery ) whether it be implied, verbal, written or otherwise is hereby revoked. According to15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose non-public personal information to a non-affiliated 3rd party unless the consumer is given an explanation how the consumer can exercise the nondisclosure option ( XXXX XXXX, Midland Credit Management, Portfolio Recovery ) never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no Consumer Reporting Agency may make any consumer report containing the following items of info Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts would be adverse items that are being reported without my consent which is against the law. 15 US Code 1681s-2 ( A ) ( XXXX ) A states A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person has reasonable cause to believe that information is inaccurate. 15 USC 1681 e states Every Consumer Reporting Agency shall maintain reasonable procedures designed to avoid violations of sections 1681 c of this title and limit the furnishing of consumer reports to the purposes listed in 1681 b of this title. Unfortunately, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time I am opting out of your reporting services