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

XXXX XXXX XXXX is misreporting on our credit reports from XX/XX/XXXX XX/XX/XXXX. We demand a full removal of the lates and that any fees that were charged in error be reimbursed to us. 

We have been true to XXXX and used them for our last XXXX XXXX auto loans. 
We are extremely frustrated, as after wasted hours of research, challenging, and disputing the lates, they have yet to be fully corrected. 

See our XXXX dealership 's letter showing we traded in our vehicle in XX/XX/XXXX and that they admit they failed to process the trade-in timely and correctly pay off our old XXXX loan. This has resulted in a XXXX point drop in our credit scores and is stopping us from getting our home loan. 

Screenshots included : Our new loan established XX/XX/XXXX for our new vehicle. As you can see XXXX had no problem quickly reporting this new loan and collecting on it. 

You can see our old XXXX loan from XXXX was eventually paid off ; however, it took 5 months for this loan to finally show paid off. I was told that the pay-off was misapplied to our new loan vs. paying off the old loan, which is supported by the screenshots of the XXXX accounts. Regardless of what happened, it wasnt our fault, and we demand our credit reports be immediately corrected and that we be reimbursed by XXXX for all of the extra fees they collected at pay off in error. 

The third image is a letter from XXXX XXXX dealership admitting they failed to pay off our trade-in vehicle timely, which caused the error to begin with. 

I have also included screenshots of my XXXX XXXX 's XXXX and XXXX 's credit reports addressing the late marks.
Product: Credit reporting or other personal consumer reports

Hey I was looking at my credit report. Im a US Veteran and I need good credit. This XXXX  account is innaccurate. I paid this balance completely. Look at the screenshot. It is full of inaccurate information. Also, XXXX and Experian never sent me the proof of their investigation and I requested it. 

Please check this XXXX account for accuracy and completness. It is clearly wrong, in numerous ways. I want this removed from my credit report I dont owe them any money at all!
Product: Debt collection

This debt collection account was opened on XX/XX/1921. 
In the interim I never received a notification or billing statement requesting payment on the account. 

I then opened my credit bureau information around XX/XX/XXXX or XXXX and was stunned to see that this collection account I didn't recognize. 
I then discovered that the account had just been reported XX/XX/1921. 

I sent dispute letters to all three bureaus of which I haven't received any notification online that the disputes are even being worked on. 
I know they get swamped working on other accounts. 

I then sent online disputes about the collection account to XXXX and XXXX and a week later the results were " Account Verified '' as mine. 

I'm waiting for any results by mail, email, anyway. 

I have been rebuilding my credit history using credit cards all payments on time and this collection account has been an awful stain on it Please help ... Than you.
Product: Credit card or prepaid card

" Google '' withdrew on XX/XX/2020, {$150.00}, and again on XX/XX/2020 another {$120.00}, and {$180.00}, on the same day totaling {$450.00} in the three different withdraws. No purchase was made, or authorized. Google was contacted online, and a claim was submitted. Claim ID # XXXX was said to be investigated, but their only response was that the claim could not be verified, and to check with family members to see if they had made the purchase. No one else in my household, so I would have been the one to do the purchase. I asked " online '', what it was that I purchased, but there has been no response to my request. Nowhere has been an explanation of my purchase, or what it was for. On the Google website, I was able to view my past purchases, and was shown that I have no prior purchases.
Product: Payday loan, title loan, or personal loan

I applied for a PPP loan with XXXX on XX/XX/2021. This was basically the 1st day I could apply for my business. 2 months have gone by & there have been nothing but problems. XXXX is stating they are getting the loan through Customers Bank however today I was notified that there is no loan! This is after they made me jump through hoops for all kinds of additional information that was never requested or required of me from the beginning. None of my counterparts that filed for PPP loans had to submit close to any of the information I had to submit. Everyone I know that submitted an application for a loan was funded a long time ago. I am a real small business & I don't see any of the large businesses or the larger loans being denied. This is complete fraud & discrimination.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX account for XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 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 TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan

Called and threatened with legal action involving the state of California and that they referenced my social security number to identify me. They wanted me to confirm it when the called. I did not, suspecting phishing. 

I found out by Googling that they have a long history of scamming the public where people have logged the calls and conversation similar to mine. They have called me a number of times and use different caller ID numbers. The one today is : XXXX and they said reference case # XXXX. 

They seem to have a basic website that does n't look real. See : XXXX See : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BACK IN 1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX   SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN 1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT XXXX XXXX XXXX CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM 1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.
Product: Student loan

Violation of the Family and educational rights and Privacy Act of 1974, 20 USC 1232g,34 CFR 99 ,5 USC 552 a
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, SSN # : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two collections accounts opened at National Credit System on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX ) with a balance of {$5000.00} and XXXX XXXX XXXX ( XXXX ) with a balance of {$4600.00}. Also two XXXX XXXX  accounts DEPT OF EDUCATION ( XXXX ) one with a balance of {$6200.00} and the other account balance of {$3600.00} on XX/XX/XXXX. Finally an auto loan account XXXX XXXX ( XXXX ) on XX/XX/XXXX with a balance of {$15000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, hard inquiries and addresses 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The debt collection agency was paid via wage garnishment by the California Tax board ( because the collection agency did not properly verify proof of debt from original creditor, and did not respond within 30 days of the request of proof of debt ) so the California tax board acted on their behalf. Once the wages were garnished to completion of debt, a letter was mailed by the California Tax board stating the withdrawal of garnishment ( due to debt being fulfilled ). Two months later I received a letter in the mail from the California Tax board stating that hundreds of dollars from my tax return would be garnished due to a debt from the collection agency. Upon contacting the collection agency they admitted they made a mistake, but said it would take possibly three months to receive our refund of hundreds of dollars they wrongly took. This agency failed to verify the debt from the very beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 seven 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, credit repair services, or other personal consumer reports

I have disputed the account with XXXX XXXX probably four times due to inaccurate information being reported. The company continues to verify the information as accurate. My most recent disputes pointed out that the balance is inaccurate. The company continues to randomly change the balance. The balance is now reporting as {$800.00}, but that could change at any moment. The original charge off balance was {$680.00}, which I pointed out in my dispute letter. There is no added interest to this account. I have attached a document directly from the company sent to me on XX/XX/2021 that shows the balance as {$680.00}. Please look at the document. At the same time, the company continues to report a higher balance to the credit bureaus. This is not right and is against the Fair Credit Reporting Act. Equifax can not allow companies to report inaccurate information after a consumer disputes the information and provides proof. This is my second documentation to Equifax about the balance. The information has not been corrected and the account is still reporting inaccurately on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

an address I never lived at was removed from my credit report. It was added back without notification. The address is  XXXX   XXXX   XXXX   XXXX   XXXX  Md  XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

Hi, Experian Business. Our Attorney Office of XXXX XXXX XXXX, address, has recently consulted with XXXX XXXX XXXX of LA XXXX XXXX XXXX XXXX # XXXX in order to assist him in attempting to resolve a dispute involving Identity Theft. XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX is a victim of Identity theft, and fraud. Due to Identity Theft, a fraudulent Experian Business, Trade Account XXXX, Account Type : Date XX/XX/year>XXXX XXXX XXXX Recent High Credit {$19000.00}, and Account Balance {$14000.00} have manifested on XXXX XXXXXXXX XXXX XXXXXXXX XXXX, business credit report. The fraudulent trade account 4, account type : XX/XX/scrub>XXXX XXXX XXXX Recent High Credit {$19000.00}, and Account Balance {$14000.00} in question have caused XXXX XXXXXXXX XXXX XXXX 's, Experian Business Score to drop significantly, and as a result, XXXX XXXX XXXX XXXX have been denied business loans. 
Therefore, please consider this fraudulent formal letter attached on behalf of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX under the authority of relevant Federal and California Fair Debt Collection Practice Act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block inc ) due to inadequate customer service and unfair practices, which violate the Consumer financial Protection act. ( CFPA ) specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic fund transfer act. ( EFTA ) and regulation E. These actions caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Bank account or service

I have pictures to support my claim. Suntrust has charged me overdraft fees on settled positive balances. On XXXX XXXX, I had an ACH payment and credit card payment that has been posted on my account on the XX/XX/XXXX, but they have, on their end posted it as a pending transaction and moved a payment that was done on XXXX under the posted XXXX payments. 
I was told by the manager of Suntrust that this is a practice of theirs. To move the higher items, even though they are not posted under the lower items that are posted, and directly above deposits to pay those first. As a result, I am paying overdraft fees on items that were not overdrawn on my account. The bank manager told me that this practice is legal and how they do their banking. This ca n't be a legal practice moving items in our accounts to get over drawn payments. No way this is legal, but they told me they do this to all customers. I was warned from a coworker not to do banking with them because they do this and now I wish I would have listed. They did this same thing last month and I was given back my over drawn payment. They refuse to take those overdrawn payments off my account. I will be closing this account. Please help! 
I am sure they have been doing this all along now. Now I understand why when I check my account and it 's good then I check it again and it is overdrawn. They are moving items around in my account to get money. This needs to stop.
Product: Debt collection

In approximately XX/XX/XXXX, I had some procedures performed at XXXX XXXX XXXX in XXXX  XXXX. There were some questions on some of the charges that I was disputing following the receipt of the billings. This went on for a couple of months. In approximately XXXX of XXXX they sent the bills to Transworld Systems for collection, and TSI sent me a notice. Immediately upon receipt of the notice I called TSI, and set up two payments for consecutive months. Those payments were made on XX/XX/XXXX to TSI for {$600.00} and the second made on XX/XX/XXXX to TSI for XXXX which cleared the XXXX XXXX account. I made those payments without threat from or to TSI. 
In XXXX, XXXX my credit ratings dropped from the XXXX to the low-mid XXXX 's. I called up my consultants to pull the credit file and found that TSI had listed this as a collection, although it showed a {$0.00} balance with a high balance of {$1100.00}. It first showed up in XXXX, XXXX as a " XXXX Balance Collection '' and is reported each month as a XXXX balance collection, since. 
I have spent hours on the phone, in multiple calls, with different representatives of TSI. There was never any indication from TSI that if paid, especially quickly and voluntarily, that this matter would be added to my credit file. In the last phone call XXXX XXXX, XXXX XXXX the overly surly representative said, for the first time, that those payments were used for another debt that they had. I told him that was impossible as I had no other debt on their, or anyone else 's file. He informed me that a bulk of it was used on a debt which was not even on their books at the time I made the initial payments of {$1100.00}. There was a new collection from XXXX in the amount of {$2600.00} that was billed to me by TSI on XX/XX/XXXX and paid in full on XX/XX/XXXX. There is no way that any of the prior amount could have been used for the XXXX amount. Nor did I authorize the payment of {$1100.00} to be used for anything but the original debt. I asked the last representative to please forward me a complete accounting of my charges, payments and dates made to and by TSI. To date, over six weeks has passed and I have not received any further correspondence from them. 

I urge Transworld Services to please remove this collection from the three credit bureaus. While I was having a dispute on the original bill, XXXX sent it to them erroneously, then once I got the original collection, it was paid immediately. Then after the fact, TSI listed it as a Paid Collection was put as a zero-balance paid collection on my reports. This has ruined my credit. I do not have one other late payment on my credit. Please do the right thing and remove this blight on my credit. 
If not, how can anyone ever trust you and the way you do business?
Product: Vehicle loan or lease

I contacted Exeter to get a small settlement amount on the account and I haven't received a call back. The car was flooded in XX/XX/XXXX, I was still paying on the car, then I stopped because I couldn't afford it. They retrieved the car and resold the flooded car and is asking for the same price according to my credit report. I really want this removed. XXXX