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

I have a loan with XXXX/Toyota financial. I have had this loan since XX/XX/XXXX. I am XXXX XXXX military and I set up an allotment for this loan. Since XX/XX/XXXX this loan has never been late. I have not stopped the allotment or changed the allotment. The payments have been coming out on time. All of the sudden for the XX/XX/XXXX payment XXXX sent me a text ( no phone call ) XX/XX/XXXX stating that they have not received a payment. I pulled my XXXX and called. I explained to them that this allotment has been ongoing for 5 years and I have not stopped or changed the allotment. On my LES it shows where the allotment came out. The personnel in military sales would not even speak with me. They spoke to me through a representative that put me on hold to contact my finance office. XXXX basically blew me off. Then I called back and asked to speak to a manager I spoke with XXXX agent ID XXXX she said she would look into it. All of this happened XX/XX/XXXX. I still have not heard from XXXX. I called back XXXX XX/XX/XXXX and was told that I could not be transferred to XXXX. I also contacted my finance office and as I already knew they showed me where the payment was sent to XXXX. XXXX has my money and is saying I have not paid.
Product: Mortgage

Mortgage Loan # XXXX I filed a Bankruptcy partition in the Bankruptcy Court XXXX District of Alabama in XXXX. Included in the filing is a mortgage that was financed by Countrywide/Bank Of American. I later filed a Deed In Lieu of Foreclosure on the home in XXXX. My Bankruptcy docs state ( in error ) that I requested to retain and reaffirm the mortgage ; Although I did intended to retain the house it was not my intention to reaffirm the debt. 

Note : In XX/XX/XXXXthe mortgage was indeed discharged and NOT reaffirmed by BOA. 

I am currently in the process of applying for a new mortgage and the Lender has requested that I provide proof that the mortgage listed on the Bankruptcy was indeed discharged and not reaffirmed. I recently contacted the Bank of America regarding this matter and a representative in the Bankruptcy department ( at : XXXX ) confirmed that the mortgage was discharged/not reaffirmed in XXXX. 

I requested that they provide me with documented proof of the discharge in order that I could provide it to the new mortgage lender, the BOA representative refused my request and stated that they could not provide or furnish me this verification that they had on record. This makes absolutely no sense. I provided and they confirmed my identity and still refuse to honor my information request.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history with 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 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 ( MONTHS REPORTING 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. 


EQUIFAX 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXXXXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and i noticed there were in inquires and a account XXXX XXXX XXXX which i did not apply for or give authorization to so i called the CRA and bureau and asked to get them removed because i did not apply for this account and it does not belong to me and they both told me they can not remove it even understanding the circumstances which violates my consumer rights under XXXX XXXX XXXX ( c XXXX Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) information regarding inquiries ; except as provided in section XXXX XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and i want these items removed ASAP because it had a negative impact on my report the inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 I received a collection notice from Grant & Weber , Inc collecting on behalf of XXXX XXXX, XXXX, a physician from whom I have never received services. I sent a letter dated XX/XX/2018 requesting validation of the debt. I never received debt validation nor a response to my letter at all. I gave the traditional 30 days to respond and they did not. Instead, on XX/XX/2018, Weber & Grant , Inc reported this debt as a collection account to XXXX, thus damaging my credit, with no proof of validation of the debt prior to reporting. My letter to them is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well.

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate incomplete Credit information. According to the fair credit reporting act section 609A1A who are required by law to verify through physical verification of the original signed contract any and all accounts that you post on my credit report otherwise anyone that is paying you for your debt probably fraudulent. I demand to see verified proof. If you fail the validate removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020
Product: Credit card or prepaid card

I DISPUTED A ORDER IN XXXX WITH AN AMP AND SPEAKER BOX THAT I ORDERED AND NEVER RECEIVED. I FILED A POLICE REPORT FOR STOLEN PROPERTY EVEN THOUGH I CAN NOT PROVE THEY DELIVERED IT TO MY ADDRESS AND IF IT WAS I NEVER SEEN IT AND COMPANY THRU XXXX TOLD ME TO FILE A DISPUTE WITH MY CREDIT CARD FOR GOODS NOT RECEIVED AND NOW CAPITAL ONE HAS CHARGED THE XXXX BACK TO MY CARD. I DID NOT RECEIVE THIS ITEM, HAVE PROOF COMPANY TOLD ME TO FILE GOODS NOT RECEIVED AND FILED A POLICE REPORT. I HAVE HAD NOTHING BUT CONSTANT ISSUES WITH DISPUTES WITH THIS COMPANY
Product: Credit card or prepaid card

I have been attempting to reach my credit card company for over a week now. Calls and emails are not being responded to. Barclays manages my credit card and their customer service is not available during the worldwide pandemic. If you look up Barclays on XXXX you will see a number of people communicating with the company about not answering their phones. I have attempted to reach them about a balance transfer arrangement I am making with another company. Due to their lack of customer service support my account has resulted in late charges and additional interest. I have been trying to reach the company for over a week. Please help their customers find out when and if theyll be able to speak with or get an email response from a financial institution they are dealing with!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The two derogatory accounts have both reported incorrect information about my accounts to the credit bureaus. The XXXXXXXX XXXX  Account has reported incorrect amounts, payment history and information on the account. The XXXX collection company has reported an incorrect amount as well as personal information. Through prior credit repair I was able to remove them off my credit report ( I have attached proof of removal below ) but they have recently shown back up only on my equifax report and I would like removed again and permanently from all three credit bureaus. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Acct. # XXXX, and XXXX XXXX Acct. # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion / XXXX, and XXXX  are messing with my scores, and have erroneously reported a number of things, all affecting my scores, FICO, and otherwise. 

Plus, COVID-19 will likely force us to just give everyine a clean slate or a start over on our credit reports one day, in all fairness. Right?
Product: Payday loan, title loan, or personal loan

I applied online and I was approved for {$970.00}. I have started to pay back the loan on a biweekly basis in the amount of {$300.00} I can not afford this payment. As well by the time I done I will have paid {$4000.00} for a {$970.00} loan. I think the finance charges are absurd! Please review my loan for accuracy. Also, confirm that they are licensed in the State of Texas. I want this loan voided and fees adjusted. I want the initial payments refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a XXXX charge cass number XXXX it's supposed to be closed and it got dropped you still are active I shouldn't have no active cases. 
And I know live back in XXXX Louisiana the address is XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a charge on my Citi card I did not make. I notified Citi and they opened a dispute. I have attached a PDF of the statement. At the top you'll note they gave me credit for the dispute. The charge shows on XXXX  XXXX to a XXXXXXXX XXXX store for {$550.00}, On XX/XX/XXXX they denied my claim. I have attached a PDF of their response. 

I carefully researched this, and responded to Citi on XX/XX/XXXX and XXXX to XXXX. My response referenced the XXXX XXXX response ( attached ).

Let 's look first at the response, page 2, on attached PDF " XXXX '' First of all, XXXX said " Customer claims credit not processed ''. No. I said I did not make the purchase. Not sure if this is Citi or XXXX at fault here. 

Now, blow up the receipt they attached. At the top, notice " Customer Name : XXXX '', My name, as shown on the statement, is XXXX XXXX XXXX This was a delivery of an appliance ( notice the white goods fee on the bill ) to someone named Mr. XXXX in XXXX County NC. BTW, I live in XXXX County NC, with a lake house in XXXX County, NC. Notice that near the bottom of the receipt is the notation " CUSTOMER : MR. XXXX '' Also note that this was an in-person purchase as evidenced by the scribble signature. 

I pointed all this out to Citi. I even included a screen print of my XXXX timeline showing that I never left my lake home XX/XX/XXXX - XXXX. The transaction at XXXX was made XX/XX/XXXX. I could not have signed that scribble. I'm including the screen shot of my timeline, You can read for yourself the notes from XXXX. on the next page of the XXXX response. They can't find the loading ticket, but she clearly states it was delivered and she even has some photos but can't figure out how to attach them. XXXX clearly thinks this is about a returned item. Nope. It's about somebody else using my account number. 

Moving through the XXXX response, they recite their return policy. This is not about about a return. It's about somebody else using my account number. 

I disclosed every bit of this advice to Citi. On XX/XX/XXXX, they denied the claim, again, stating that I had not provided valid proof of cancellation. 

They completely ignored all the facts I pointed out. This is frustrating. Oh, I even told Citi to tell XXXX to pull their video from the camera aimed at the register at the time of sale, get Mr. XXXX 's name and address, and prosecute him for credit card fraud. Nope. Just denied me, I think the attached Citi statement gives you account number and my name. If you need to contact me you can use XXXX at gmail. The dispute case with Citi is XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account opened at XXXX XXXX and or XXXX XXXX  on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires the deletion of incorrect accounts from my credit report. Could you please check the documents? Some of the accounts have inaccuracies in reporting, amounts, and dates.
Product: Debt collection

I hired a Credit Repair agency XXXX Law Firm to have World Acceptance Company verify an item listed on my account, I tried to request the same items twice and was rejected. XXXX XXXX the XXXX of XXXX XXXX sent out XXXX letters denying my request. I have sent pay to delet offers and received no response. This debt collector is in clear violation of Fair Debt Collection Practices Act Section 809 Validation of debts 15 USC 1692g.XXXX XXXX deemed my request enacted by the F.D.C.P.A as " Frivolous '' as it is my fiar right as an American citizen of the United States of America to request account validation without roadblocks halting my consumer request. I am requesting that this company supply me with all documents requested without prejudice or hesitation as I have given my full name, address and contact information several times as listed in several documents sent out to World Acceptance Corporation.
Product: Prepaid card

I have been trying to get the rest of my money from Bank of America EDD prepaid card I was in the hospital for a year and I never authorized anybody else to use my card and I was unaware of cards activated with my credentials I still had the original card I thought was the only card until I got out of the hospital and then I didn't even get into my account for a year later cuz I was locked out when I finally got my account back I realized there was tons of activity that I didn't do they have repaid me very little of the transactions made but keep denying these last four claims I have and it was from XXXX XXXX to XXXX so it's been a long time I have hospital I have a hospital letter for my doctor proving I was in the hospital for dates of the transactions
Product: Student loan

Interest rates are too high and affecting my credit score School provided me with no information that my loan was even sold to navient.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/XXXXXXXX  I submitted an online dispute via XXXXupload including the following : FTC ID THEFT REPORT, IDT 100 form, Division of Taxation notification. and a written statement. Between XXXX, the major credit reporting agencies ( CRAs ) responded. On XX/XX/XXXX Experian denied to block the information from being reported. Experian wrongfully assumed misrepresentation, error or receiving goods for completing the transaction and requested document that was provided with the dispute ( FTC report or police report, specific account, address and identity ). 

( XX/XX/XXXX @ XXXX EST ) I visited XXXX Police Department , 6th precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX EST ) credit bureau dispute resolution center and spoke with XXXX , who confirmed that there was identity theft note in my file. I requested the necessary documents to no avail, then I was transferred to XXXX. XXXX did not have the right address on file since before XXXX. So I updated my address on file first. Next, XXXX stated that XXXX XXXX does not have transaction records anymore ; records were sent to the Attorney. I called the attorneys office, XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX . I never received the documents and Experian did not provide proof of methods used to investigate. I am a natural human being and I have autonomously created this complaint. 

I have included the following : proof of address ( Dept of Edu document ), proof of identity ( passport ), Experian " identity theft block '' denial letter, copy of my IDT 100, copy of my FTC Report, Division of Taxation notification
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 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 XXXX  years.

15 U.S.C. 1681s-2 ( 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: Credit reporting or other personal consumer reports

My information with Equifax has been breached in my downloaded document is the proof. They have refused to delete the Following : Under Personal Info : Also known as : XXXX XXXX XXXX ( Please remove ) Under Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( Please remove ) Under Accounts Ever Late 1 ( Please remove ) XXXX XXXX Account number : XXXX Please remove these immediately as I was a victim a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap1/Walmart I have an account with your company that was purchased from XXXX/Walmart. I am an authorized user on the account XXXX. However, you are showing that I was late ( 30 days ) XX/XX/2020. But I dont recall even having a card issued to me at that time? None the less, can you please assure me that the card you are reporting 30 days late was mine? Otherwise, you are reporting illegally. 

Finally, after I ask that you please fix my XXXX report to show that I have never been late, I also ask for a courtesy removal of the 30 day reporting on all accounts. My mother, who is the primary, has been with Walmart for many years. She suffers from XXXX XXXX and XXXX. We apologize for the inconvenience we have caused and assure this will not be requested again after correction / deletion of the late on bureau. 

Thanks so much!