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

I returned a XXXX XXXX to GM Financial in XX/XX/2019. 

At the end of the lease, in order to ensure that everything was properly terminated, I called GM Financial personally, and spoke with an agent who informed me that everything was paid up and the account would be closed. 

She made no mentioned whatsoever about any post lease charges or fees, and not being an expert in the details of car leases and terminations, I took her word for it. 

Without my knowledge, there was a charge that did pop up after the lease was terminated, even though the agent gave the impression we were settled. 

The company claims to have sent a letter in XX/XX/2019 and to have attempted to call, though I received no such letters or calls. The number they had on file was incorrect and I get so many letters from them, it's very hard to keep up with which are important and which aren't. 

Today, I discovered on my own, that this charge was outstanding. When I called, I spoke with a man named XXXX # XXXX. He was unhelpful, and hid behind technicalities of lease termination, of which I know nothing about, when defending the behavior of his company. He did admit that no letters were sent since XX/XX/2019. And all the while, they have been accepting a lease payment on another vehicle. 

So - for over a year, I have had an outstanding balance and all the while they have made little to no effort to get in touch with me and have accepted my payments on another vehicle. 

The moment I was made aware of this outstanding balance, I immediately paid it off. 

I would like all negative comments or marks on my credit reports related to this incident to be completely removed and expunged. 

Thank you.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to bring to your attention a matter concerning the inaccurate reporting of a bankruptcy on my credit report. 
On XX/XX/year> I requested verification of a bankruptcy from the court associated with the following case : - Bankruptcy Case Number : XXXX However, the court informed me that they do not provide any verification or information directly to credit bureaus. Despite this, the credit bureau in question updated my report to reflect that the bankruptcy was verified within 30 days of my request, without providing any supporting documentation or evidence of the verification. 

I subsequently provided this information to the credit bureau, emphasizing that the court does not issue verification for bankruptcy filings. Despite my efforts to resolve this matter and the evidence I submitted, the credit bureau has failed to remove this inaccurate bankruptcy entry from my credit report. 

This situation has caused me significant distress and has impacted my creditworthiness. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in investigating this matter further and ensuring that the credit bureau complies with the law by removing the inaccurate bankruptcy entry from my credit report. 

Thank you for your attention to this serious issue. I look forward to your response.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit account with you remains compromised. Despite submitting an FTC fraud report # XXXX, it appears that items are not being removed. On XX/XX/XXXX, following the purchase of a credit report from XXXX I discovered unverifiable information on my personal profile. The presence of charge-offs, collection accounts, and inquiries continues to adversely affect my credit records. Regrettably, despite my consistent efforts, which include monthly credit report purchases and ongoing disputes through XXXX XXXX, no remedial actions have been taken on your part. In response to a call to your department, I was advised to submit a written request along with a copy of the identity theft report ( FTC report XXXX XXXX XXXX  ). I have had no transactional history with the items listed below. Therefore, I urge your assistance in promptly removing the charged-off collection accounts and inquiries, along with correcting inaccurate information on my personal profile. Enclosed with this written request are copies of my Proof of Billing, Drivers License, and Social Security ID. Please address this matter expeditiously. Kindly delete the following fraudulent items : -- -- -- -- -EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX divorced XXXX XXXX in XX/XX/2017 we had a joint account at XXXX XXXX, Which was closed for non payment from my husband, not paying it was my wedding ring,. So in our divorce my ex wanted the bill to be all his to the judge signed to him even though it was closed, I am XXXX and could pay it anyways and the judge says I shouldnt have to. So I am having problems with XXXX and equifax now XXXX   took it off right away no problem. I need your help.
Product: Debt collection

-In the initial phone call I was told my debt was somewhere around 3500 ( I do n't remember the exact number ). 
-I was originally set up with a payment plan to pay off my debt. 
-I kept getting statements from the every month but it did n't seem that my balance was going down any. 
After calling and asking why my balance was n't change is when I was told about the " bill collector fee. '' I was NOT informed about this in the beginning. 
-After a year of paying religiously I was told I had start paying more because my 12 months was up ( I was never informed that I could only make payments for 12 months. ) I told them I would get back with them in a week or so with how much I would able to raise my payments. They called back after 2 weeks and told me I HAD to pay my debt in full. 
-I asked several times for documentation stating where I said I could only make payments for 12 months. I also asked for documentations stating why all of a sudden I had to pay it in full. 
-They kept calling me while I was working and I told them they needed to stop calling me during this time. Yet I continued to get several phone calls. When I finally answered one and told them I had asked several times for them to stop calling me while i was at work, I was called a liar. 
-I feel threaten, harassed, and lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Originally informed Early Warning services of XXXX Fraudulent & Inaccurate Accounts that is being reported on my behalf over the phone Last year on XX/XX/2021 & XX/XX/2021. These Accounts were Fraudulent and Represented a Different Name, Someone Named : XXXX. My name is XXXX. Upon Speaking with Representative XXXX Id XXXX XXXX, I Requested To dispute these Fraudulent Accounts! Unfortunately, he was Ignorant to federal law in regards to the consumer & Essentially was unable to be of any help. I was Then transferred to the Supervisor XXXX & At this Point it had exceeded 30 Days of my Original Dispute and still there Wasnt any Remedy. So i elected to have my name completely removed from their system entirely which is my Right Pursuant to USC 1681b ( e ) ( 1 ) & XXXX acted as if he was unaware of the Law & unable to grant Me My Right of Election to be removed entirely from the System He was Representing. His English Was Equivocal & he was Also unable to assist me. After the Phone call i Sent & Faxed a Letter to their Company on XX/XX/2021 Explicitly Notifying them That i was Electing to have my name and addresses Completely Removed from their system. I Elucidated that they were in Violation of Federal Law and that i would Be notifying The CFPB if they are unable to Comply with Federal LAW. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation. I Have not been Able to Extend my credit to a Plethora of Companies because of their Inability to Report Accurate & Fair information on my behalf. I Am Now Demanding that they Completely Remove my Name from their system Or I will Be Seeking {$1000.00} Per Violation
Product: Student loan

I was recently notified that my federal loans with the XXXX XXXX were discharged : You have been approved for debt relief under the Biden-Harris Administration ! This is part of the Biden-Harris Administrations commitment to delivering relief to borrowers whose schools engaged in unlawful conduct.

I understand that this does not include private loans, however I reached out to Firstmark and asked how I would go about filing school misconduct with them. They said its not offered for my loan type and couldnt elaborate on it further.

I am concerned because I did not originally sign a loan with Firstmark. My original provate loan lender was with XXXX XXXX. I did not have a choice in the matter of this debt being transferred to Firstmark.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! This is my Final and Last attempt to file a complain in the XXXX BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the XXXX BUREUAS the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$7700.00} ; XXXX  XXXX  XXXX Balance : {$0.00}
Product: Mortgage

We were having financial issues, due to a XXXX, and asked our bank to look into a XXXX modification. We were turned down for a XXXX but qualified for a HAMP modification. The bank then sent us paperwork for the HAMP modification. Our payments had gone up by over {$400.00} a month so we told them we did n't want to do it. We tried to make a monthly payment and were forced to pay the higher payment listed on the modification even though we never signed anything. We were also forced into now having an escrow account even though we never had one before. We paid 3 payments of almost {$1700.00} a month. Our relationship manager assured us that after these three payments we would be up to date and everything would go back to the way it was. Long story short, they are now making up the payments as they go. They have not applied the large payments to the mortgage properly and are now saying we owe them over {$5000.00} and we are behind on our mortgage. We did n't sign anything and we are very unhappy with the treatment we are getting from our bank. We feel like they are forcing us out of our home that we built and they are causing us to lose our credit rating as well. We do n't know what to do to correct this problem. Every month when I try to make a payment the amount is different, there is no consistency to anything with this company. We have written, called, and gone online many times to try to resolve these issues to no avail. We feel as if we are just banging our heads against a wall. You can never talk to the same person twice, they all tell you different things, and they do n't get back to you when you write or call or email. We have been belittled, sworn at, and hung up on. This is not the way to solve issues with your customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX lied said I sent a cease and desist letter I never did, I had know reason to I paid off my credit card on time. On XX/XX/XXXX I talked XXXX XXXX person who said he had know information on a cease and assist letter sent. XXXX  XXXX sent a attachment pd though the CFPB that want open at all.
Product: Debt collection

This company has verified that the socials do not match and this account is not mine. It is my father who has the same name. They claim they are not reporting it to the bureaus but they are and it is affecting my financing.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. XXXX  XXXX XXXX Balance Owed : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. 
I m disappointed! I dont know how to delete it from my name I dont understand why you put this negative information on my account.

Im sure that someone used my personal information and applied for it
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company several times, no answer, I don't even know who there are how can this just end up on my credit report and I don't even know what it is all it states is XXXX XXXX XXXX  this is hurting my credit report drastically, I would like them to show proof or delete from all 3 credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to notify the consumer reporting agencies : Experian, XXXX and XXXX, that I have opted out with XXXX XXXX to stop sharing my nonpublic personal information with nonaffiliated third parties. 

COMPLAINT ID # : XXXX Submitted on : XX/XX/year>
Product: Debt collection

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide your license to collect in my state and your registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account. 
Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. 
Thank you for your cooperation, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam i had contacted XXXX XXXX XXXX many times and they didn't care about consumer, i have a fraud on my credit and most inquiries has been removed already i had contacted many times XXXX XXXX XXXX XXXX to remove 2 unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 by SEARS i had contacted SEAR Creditor how has Run my Credit with Unauthorized and i got t proof ( Two Letters ) from creditor to remove and SEARS already mentioned they sent two letter to XXXX to remove two month ago with no response till now i going now to attach proof has sent to them to XXXX to remove 2 hard inquiry Sears/cbna XX/XX/2018 - Sears/cbna XX/XX/2018 Note : what is the XXXX Problem if i has letter from who run my credit to remove Unauthorized Hard Inquiry So Please ask XXXX  Should care little more about consumer establish credit life in US and remove this two hard inquiry Sears/cbna XX/XX/2018 - Sears/cbna XX/XX/2018 XX/XX/2018
Product: Mortgage

I'm not actually applying for a mortgage, but none of your options fit my complaint. 

I received a letter in the mail which is dressed up to look like an official notice of my home being foreclosed on if I don't call the number listed and arrange a loan with them. The letter reads : " Statement Date : XX/XX/2019 Subject : Property Tax Bill Changes Subject Property : ( my address is listed here ) ( my name is listed ) : Notice : XXXX This letter is to inform you that when you borrowed money for the Home Renovation Program you agreed to amortize the loan payment in your property taxes for up to 20 years. 
Failure to make these payments could result in mortgage delinquency or even forclosure. 
For a limited time, you are still able to pay off your home Renovation Loan obligation and receive a much lower payment which will drop your property taxes back to their normal amount. 
All parties must register before XX/XX/2019 to be considered for this financing option without restriction. Call today to find out how this might affect you. 
All applications submitted 30 days after the statement date of this letter will not be reviewed. Due to the severity of the issue we anticipate longer wait times. Please call customer support to receive a detailed explanation. 
Call ( XXXX ) XXXX Statement Id Number XXXX Monday to Friday XXXX XXXX - XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX PST ******** *Please see Reverse Side for Disclosure information '' Note that I have never borrowed money for any home renovation program, but I can easily see how someone who may have done that would be duped into thinking this is a serious letter. I should also mention that the letter is of the format typically used for one 's tax documents ( including the outlined XXXX followed by all black XXXX ), and states " Warning : {$2000.00} fine, 5 years imprisonment, or both for any person interfering or obstructing with delivery of this letter U.S. Mail Sec. 1702 U.S. Code '' as well as " Information Regarding your Upcoming Property Tax Bill. '' On the back of the bottom half of the page I quoted in full above, there is very fine print which states, among other things, that the company perpetrating this scam is " American Financial Network, '' and that " The content in this advertisement is for informational purposes. ''
Product: Debt collection

I moved into the apartment in XX/XX/2019 I had an all electric apartment the lights would flicker on and off fridge wouldnt get cold heat didnt work I report it numerous times to leasing office and management still no help my XXXX XXXX XXXX daughter got sick and my mom passed away I went to my home city for a few days came back I still wasnt fix but I paid rent for XXXX I asked if I could be reimbursed for my spoiled groceries they told me no and the company didnt come fix the problem until XXXX at this point I wanted to break my lease because the apartment wasnt in living condition I was told that I couldnt nor move to a different unit I still have all the emails, work orders as well a shown payments for the months I lived in apartment.. I was told they would contact the property manager and let me know and never gotten back to me no phone call or email..
Product: Debt collection

Discover card is reporting the wrong amount owed. 
The credit limit was {$500.00}, the balance showing is {$1000.00}. 
I called Discover, they stated no bill statements is in their system, I was referred to an collection agency. Spoke to XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, OK XXXX, ( XXXX ). 
Collector stated, I owe {$1000.00}. I explained to him, my credit card limit was {$500.00}, I stated to him, my card became delinquent after XXXX XXXX, I lost my job during my recovery. I made 2 payments, then declined, I didn't realize that I had no direct deposit because I was terminated while recovering from XXXX. 

He stated, he have no records, he just have my file stating, I owe {$1000.00}. I explained to him, that was incorrect. He stated, all he could do is collect XXXX or set up monthly payments or settle for XXXX. I declined because, I don't owe that amount and I don't have an income. He told me there is nothing he could do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE XXXX Remove a late payment I am writing to dispute a late payment reported on my credit report with XXXX XXXX the account number is XXXX, it was opened on XX/XX/XXXX with an original balance of {$440.00}. This information seems incorrect to me, I request that you investigate this matter and remove the late payment from my credit report. Please provide me with an updated credit report reflecting the changes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX
Product: Student loan

Navient contacted my wife two weeks ago on her number leaving a message for me indicating I was 90 days past due. 

I was in a rehabilitation program where they had all my updated information such as my address and my phone number and was paying {$5.00} a month. 

No one contacted me to let me know that Navient was taking over the loan. Obviously they had updated information for hey contacted my wife ( and I've only been married a year ). 

When I called they told me they did not have the correct address, they were using an address from when I originally got the loan back a few years ago. 

Amazing how they recieved my updated telephone numbers but not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported me 30 days late when I have made a payment already. Not to mention my next payment is not due until XX/XX/XXXX of 2XXXX  they are violating FCRA guidelines. I have proof of payment as well.