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

On XX/XX/XXXX we ( my girlfriend and I ) leased a vehicle from XXXX XXXX XXXX Dealership. XXXX of XXXX XXXX XXXX XXXX reached out to us to see if we would like to move forward with an offer where they pay off our current lease and get us into a new vehicle. We accepted and went from leasing our vehicle to purchasing the current vehicle we have with them. XXXX  paid off the existing lease. We were never late on our payments, yet on our credit report, it states that we have an early termination and showing us delinquent. This is affecting our ability to purchase a home. 

We have reached out to XXXX XXXX and got documentation that states we have never missed a payment and were offered a special program the dealership had. I also have a document from the Finance Manager of the dealership stating the details of the offer and we were never delinquent on any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas in my life. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and there's a copy enclosed.
Product: Debt collection

I have received continue phone calls from a company named Atlas Credit Company in XXXX Virginia I have never done business with this company and I'm confused as to why I'm getting repeated phone calls on a daily basis I had someone living with me who assumed my identity and also stole my driver 's license this is not the only concern I've had with this particular person however I filed a police report and I have proof that my identity was stolen please remove from my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sold my PII illegally and has consistently violated FCRA and FDCA. Who's LVNV/Resurgent when you were the company to sell my information without consent. You can ask for a subpoena to deliver my PII but, it's not required and not legal. I have made multiple requests for proof and you have failed to provide any legitimate proof on this account. Your employees used breached information to open this account. Why did the company you sold my PII to, changing the address on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX Bank XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on XXXX  is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In Equifax and XXXX there is nothing negative in the payment history reporting, in XXXX  why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Product: Checking or savings account

My name is XXXX XXXX please add this new complaint to CFBP case number XXXX social security told me they have deposit me and my mom XXXX XXXX XXXX check into the old bank account for {$960.00} and for {$960.00} and for {$22.00} and {$22.00} but we both didnt get it and the agents told me it wasnt received even if social security system say it was processed to Wells Fargo but they told me it will be send back to social security and I need to contact them again I need yall to track down or trace the missing payments and send it back to social security for all the payments I listed or let me know if it was rejected or not and if so when it was rejected and what date it was rejected and what date is returned for all payments and my mom ssn is XXXX and my ssn XXXX and I need this issues to be investigated and provide me with a update by XXXX the XXXX XXXX  because I need to pay bills and stuff and my motel bill because right now we are homeless and struggling and going through a hardship and financial issue right now and look at my attachment for proof etc. checking account number is XXXX and saving account number is XXXX
Product: Mortgage

I started a loan modification process with HSBC back I XX/XX/XXXX, due to a loss of income with my husbands passing. I received a phone call, saying I was approved, and I needed to make the first two initial payments over the phone that day. I did I paid {$1900.00}. for XX/XX/XXXX and XX/XX/XXXX. Since then I receive calls no paperwork just calls every to to three days telling me they are still working on it. I did make my XX/XX/XXXX full payment even though HSBC advised me not to. I decided to refinance simply because the rate is lower and I was tired of waiting. My financing is all approved and last week we did a conference call between XXXX XXXX, myself, and HSBC. On this call they stated everything was current and my balance was around XXXX. We requested that this would be faxed to XXXX and when they received the fax it shows a balance of XXXX and XXXX in interest plus it shows me default for XX/XX/XXXX, XX/XX/XXXX, and soon XX/XX/XXXX. 
I contacted them. They said I had two deferred payments years ago, which I did and they are charging me 5,700 in interest on those two payments. The rest of the XXXX is my interest for non payment of XX/XX/XXXX and XX/XX/XXXX. They acknowledge they have my money for all three months, but now they are saying they will not apply it to my account for up to another six months, till the loan modification is done. So I will be in default till then, which will kill my credit. I asked to take me out of the loan modification and explained that I needed this refinance, and they simply said no, we can not. I have asked to speak to a manager, and was told there was no XXXX available to help me. Now when I call them or anyone calls them on m behalf, it disconnects them when they input my information. I have been XXXX up front with them since my husband passed away and all I am trying to do is keep my home and make my payment affordable.
Product: Debt collection

Westside Recovery SVCS is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.
Product: Debt collection

This company placed a collection on my credit report, I have never received anything notifying me of any debts with this company. 

This company has violated the federal debt collection laws. My next step will be to file a complaint with the Federal Trade Commission.
Product: Debt collection

I had a car loan with Universal Acceptance which is called Sylvania Acceptance ( XXXX XXXX XXXX XXXX ) XXXX, Ohio XXXX over 10 years ago I believe. Account number # XXXX, 2 years ago because it just came off my credit report and a lady name XXXX had pulled my credit like I had tried to get a current car loan through them Sylvania Acceptance. I have documentation where I have been sending XXXX a month. They are in violation of my FCRA rights, they regard the debt threatened me to take you to court and garnish my checks, and the debt is out of the SOL ( statue of limitations ) in Ohio. The debt shouldnt have been collected any further.
Product: Debt collection

Td bank has been paid and should be removed off of credit it has been over 7 years
Product: Debt collection

Hayt Hayt & Landau, P.L., Third-Party Debt Collector, has attempted to collect a debt that I do not owe. This Debt Collector did not have my expressed consent, authorized signature or court order to use my private information.They have called my family telling them I owe a debt and defaming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and XXXX XXXX and XXXX have removed it but Equifax is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX Miscellaneous Finance XX/XX/2019 XXXX XXXX XXXX XXXX Finance/Personal XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX Bank XX/XX/2019 XXXX AN # XXXX - XX/XX/2019 Equifax XXXX XXXX - XX/XX/2019 Equifax XXXX XXXX Finance/Personal XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX
Product: Debt collection

Collector did n't want to give me address so I can mail in payment said I have to pay the whole thing they would take payment with out a large deposit. And have repeatedly call my cosigner 's mother and sister and threatened to take there pay.
Product: Vehicle loan or lease

XXXX is the CFPB complaint ID referencing my knowledge of unconscionable conduct during my vehicle purchase on XX/XX/year> from XXXX of XXXX in SC, however my complaint was forwarded to the FTC. 
My limited power of attorney was never validated via notary public. My vehicle 's title was transferred to the finance company Santander Consumer USA unlawfully.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TRANSUNION Last 4 socialXXXX RE : XXXX XXXX ... ..-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my bit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( XXXX ) .and accordance with the fair credit act XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the Reports
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account has been inserted into my credit report. This account needs to be removed because is a result of identity theft, and I would like to dispute its insertion. Please provide documentation proving the legitimacy of this account. 

XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Amount : XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Amount : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX were 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 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. 

( CREDITOR NAME ) 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 was unemployed temporarily for a period of 2 1/2 months and I needed access to funds in my retirement account. I made a few different withdrawals from my retirement account from XXXX to XXXX ( all different amounts ). I used my mobile deposit with my XXXX XXXX  and my funds would typically be available within 2 business days. However, when I received a check from my retirement account around XX/XX/XXXX ( dont remember the exact date ), and I used my mobile phone to deposit the check into my Citibank account, I waited maybe a day or two and when I tried to log into my Citibank account to check the status of the deposit, I was unable to see any details of my account. I thought it was maybe user error so I called the customer service line to get some assistance and they begin to tell me that my account has been closed. Already confused, I asked them why? And asked about my check that I recently deposited and how could I retrieve my funds since they closed my account. They werent able to give me any answers and just said that theyll have to transfer me to their fraud department. When I eventually spoke to the fraud department after several failed attempts, they questioned me about the check and where was it from. I didnt have the check physically on me at the time since I wasnt home, but I told them its from my retirement account and I told them the companys name. I guess since the name didnt match what was on the check he told me they will have to do further investigation. I eventually called my retirement company to see if they can stop the check and resend it to me but they said the check has already been cashed. I asked the representative from my retirement account if I can call on a 3-way so that they can confirm the validity of the check and they agreed. The representative from Citibank refused to give them any information while I was on the line and told them they can call separately. I ended up going to the local Citibank branch and spoke with the branch manager. I explained everything as clear as possible and he made a phone call and said that this matter is now being handled in a different department. I asked him what do I need to do to get my money. He requested that I send him a statement of my retirement account to confirm the validity of the account, which I did, but he said it has to be in pdf format which we were unable to figure out how to do. The only check I received from Citibank was a check for my remaining balance in the account. In XXXX they told me they will mail my retirement check of {$2000.00} within 60-90 days. When I call to check the status or to speak to a manager, the phone representative say they will have a manager call me within 24-48, and that has been on separate occasions and I still havent received a phone call with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by XXXX XXXX is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a consumer reporting agency named Checkr was contracted by a company known as XXXX XXXX XXXX - doing business as : XXXX! ... a ride share company! Checkr reported adverse information that was MORE THAN SEVEN YEARS OLD ... in fact it is a FIFTEEN YEAR OLD ( XXXX ) felony conviction for XXXX possession - which has ultimately caused my application to be rejected and my hiring for the position of driver/independent contractor to be denied!!! EVERY SINGLE THING ELSE - was clean & cleared on Checkrs report that they submitted to XXXX XXXX XXXX!!!!
Product: Prepaid card

misplaced credit card.. -but found credit card .. call for a replacement never received replacement and this had been since XXXX/XXXX/15 spoke to a person on the XXXX/XXXX/15 and said I will be receiving XXXX on either XXXX or XXXX did n't come ..also spoke to a person on XXXX and said to call back on XXXX for a routing number for a card but did n't get threw. The number that RUSH card has do not work their always busy and when they answer they put you on hold for at least XXXX hrs. -- no XXXX customer service .. the only time they are reachable is XXXX ; XXXX in the morning ..I have sent a couple of email which take at least XXXX hrs. to be answers but the website says a it a XXXX hrs. turn around. I just want a replacement card my payroll check is deposited on this card.
Product: Student loan

I recently submitted a School Misconduct Discharge application to Navient ( Sallie Mae ). My former school ( XXXX XXXX XXXX XXXX, parent company XXXX XXXX XXXX ) was named in formal lawsuit due to fraudulent practices. I am happy to provide the application and case I built if requested. 

My application to discharge my private consolidation loans was rejected. My inquiry as to the reason why it was rejected was simply " because you consolidated your loans. '' When asked to further explain why consolidating loans would disqualify me, they replied " Only loans made and sent to the school directly would be eligible, along with meeting additional criteria. '' See email transaction below. 

I am formally contesting this with you as not sufficient reasoning, and that I should still be considered eligible for loan discharge. 



XXXX Wed, XX/XX/XXXX, XXXX ( 12 days ago ) to me, XXXX  Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Private Consolidation ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. 





Thank you, Office of the Customer Advocate From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/year> XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Subject : Voicemail return -- - External Email -- - This E-Mail has been scanned for viruses. 


XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXX ( 12 days ago ) to XXXX  Thank you for your response. I have been told that private consolidation loans does not meet the criteria, but I have not been told why it does not meet the criteria. 

Frankly, I have a wealth of information and legal team that says disputes this claim. 

Please explain and/or cite why private consolidation loans are not eligible. 


XXXX Wed, XX/XX/XXXX, XXXX ( 12 days ago ) to me, XXXX Thank you for reaching back out. As your loans were consolidated, they became paid in full and were made into a new loan that was provided to you directly ( not the school ). Only loans made and sent to the school directly would be eligible, along with meeting additional criteria.