23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several strong credit reviews from Bank of America XXXX XXXX and other cards that said I could prequalify which is a lie because they hurt my credit and it is not fair to give false information between prequalifying and sending a forced credit application
Product: Consumer Loan

I paid off my loan with KIA Motors XXXX in XXXX 2016. After repeated phone calls, and their promising to get back to me, and my sending a letter to them, I have yet to get any sort of response or update on getting my car title. Without a title I can not sell or trade in my car, and not sure how that will impact me renewing my license plates. This is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.
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. 

XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account Number XXXX. Dept of EducationXXXX : Account Number : XXXX, XXXX : Account number XXXX, XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Account XXXXXXXX XXXX XXXX : Account Number XXXXXXXX XXXX  : Account Number 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 items 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

The following inquiry needs to be removed immediately : Creditor Name : XXXX/ XXXX - XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Requested on : X/XX/2017 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Please i need someone to help me here. I sent out my first dispute letter to Equifax XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are XXXX inaccurate accounts on my Equifax report and they are listed bellow yet Equifax or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing
Product: Vehicle loan or lease

I was looking to trade in my XXXX XXXX XXXX in hopes of obtaining a used vehicle with a lower monthly payment. I was paying XXXX via BBVA Compass Bank. I spoke to representatives at XXXX XXXX XXXX of XXXX, TX and agreed to come in Saturday the XX/XX/XXXXto meet with salesman XXXX XXXX. I specified several times that I wanted to trade in my vehicle - not only to XXXX XXXX, but to the online agents I had contact with prior to coming to the dealership. XXXX informed me that XXXX XXXX XXXX XXXX XXXX whom I purchased the XXXX XXXX from XXXX overcharged me on my loan. He then stated he was able to get me a payment for the XXXX XXXX XXXX XXXX that I was interested in for under {$400.00} a month. I agreed. However, when it came time to sign paperwork, the payments were {$400.00} through XXXX XXXX. I figured that was okay because I would be saving about {$120.00} a year. I left with the XXXX thinking everything was taken care of on the dealership side. On XX/XX/XXXX, I received a call from BBVA Compass saying my account was past due. This was shocking because I did not have the car in question in my possession. The agent informed me they never received payoff from XXXX XXXX XXXX. I called the dealership that day and briefly spoke to XXXX who stated he would look into it and call me back. He never did. So for the past month and a half, I've been playing phone tag with various representatives at this dealership regarding my payoff situation. Today, I finally spoke with XXXX XXXX who is manager of the pre-owned sales department at the dealership. He informed me that I did not agree to a trade in, there is no trade-in in my paperwork and that I have two auto loans now. I was floored. I'm on a very tight budget ... living paycheck to paycheck. Information I provided to XXXX on XX/XX/XXXX. How can I afford two auto loans? Let alone pay for a vehicle I don't even own. I really feel I was taken advantage of. No one at the dealership XXXX XXXX or the agent I signed papers with in the finance office ) told me I would be signing up for a 2nd auto loan. I was just told how much my payments would be, when to come for my registration and plates, and whom the bank is. This has affected my credit score and my mental health. Can anything be done about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the late payments of the XXXX truck with Experian, and they keep refusing from removing late payments from my credit report regardless of proof of the court order. The XXXX Truck was not in my possession by court order from my divorce, I should be exempt from its negative impact because it was legally out of my control. see pages 5, and 6 from attachment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XX/XX/XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including dispute letters dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies remain unaddressed, violating provisions of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of the Issue : The inaccurate late payment reporting on my XX/XX/XXXX XXXX account shows discrepancies across all three credit bureaus ( TransUnion, XXXX, and XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX and XXXX ) and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( TransUnion ). The repeated failure to correct these errors after my previous disputes demonstrates noncompliance with federal laws designed to protect consumers. 
Violations of Federal Laws : XXXX. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are required to investigate disputes and ensure the accuracy of information in consumer files. The failure to correct these inaccuracies violates this provision.

15 U.S.C. 1681b : Only accurate information may be included in credit reports. Reporting incorrect late payments constitutes a breach of this statute. 
XXXX. Truth in Lending Act ( XXXX ) : 15 U.S.C. 1666b : Creditors are required to send periodic statements at least XX/XX/XXXXdays before the payment due date. The inaccurate reporting of late payments implies a failure to comply with this requirement. 
XXXX. Protection Against Non-Payment of Obligations Act ( XXXX ) : This act underscores the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The inaccuracies in my account reporting violate the principles of this law. 
Account Discrepancies : The account in question has the following discrepancies that remain unresolved : High Balance : Incorrect or inconsistent across credit bureaus. 
Last Verified : Dates do not match across reports. 
Last Day of Activity : Reported inconsistently between credit bureaus. 
Dispute Status vs. Creditor Remarks : Discrepancies in reported status and remarks. 
Evidence of Error : My payment records clearly demonstrate that all payments during the disputed months were made on time. 
Attached are copies of my payment receipts, bank statements, and previous dispute letters sent to TransUnion. 
Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the correction from TransUnion. 
Failure to address this matter promptly will result in further actions, including additional complaints to relevant agencies and potential legal action. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

Iam struggling to make payment they suggested, so they steered me to a forbreance If that keeps up I 'll never get ahead of lian.
Product: Credit reporting or other personal consumer reports

XXXX ss # XXXX It has come to my attention that negative items are being reported on my credit to Experian XXXX XXXX XXXX XXXX XXXX and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Checking or savings account

I received an email from XXXX on XXXX, stating that they noticed unauthorized transactions on my account to purchase XXXX. in the amount of {XXXX. I called the number that was provided in the XXXX email ( XXXX ) and spoke with someone named XXXX who transferred me to someone named XXXX. at the number XXXX and they requested information to help verify my account and confirm that my account had been hacked. They asked who I bank with and I told them Chime banking. They had me download an App called XXXX to request remote access that would help identify how my account was hacked. They then requested access to my chime account. I did not authorize any money to be taken from my account, however the amounts deducted and paid to are as follows : On XXXX morning, I had XXXX  available on my Chime credit card, XXXX in my chime checking and XXXX in my chime savings account. Somehow, these people got access to my entire account, cleaned out my savings and sent unauthorized charges to the following : XXXX to XXXX XXXX {XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX A in the total of XXXX 

Later I sent the email to XXXX and they informed me that this was a scam and informed me that my XXXX was not compromised and that I need to contact my bank to get this resolved. I filed a dispute later that day and this morning XXXX, my dispute was declined.
Product: Debt collection

Global Lending Services has called me 3-6 times a day for the last three weeks, amounting to more than 60 calls from several different phone numbers. They call at all hours of the day, ranging from XXXX MST all the way to XXXX MST. They even call on weekends. 

Most recently, this company has tracked down my family members and started calling them as well. Neither of my parents co-signed on this lease and it is absolutely wrong of them to call my family members. They always leave a voicemail without stating their name or what they're calling about. 

My mother texted me today ( XX/XX/XXXX ) to say she receive yet another call. This needs to stop NOW.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX. 

Subject : Pre-Arbitration Notice Dear XXXX XXXX XXXX Customer Service Department, I am writing to formally notify XXXX XXXX XXXXXXXX XXXX. of my intent to seek arbitration under the terms of our agreement. This pre-arbitration notice addresses a fraudulent collection account that has been placed on my credit report. 

Despite my efforts to resolve this matter directly, including sending a police report and government ID proving my residence, the issue remains unresolved. The collection account in question was allegedly mailed to an address that is not mine and has never been my residence. Consequently, not only is the debt invalid, but it is also fraudulent. 

Under 15 USC 1692B ( 2 ), a debt collector is prohibited from disclosing to third parties that I owe a debt. Additionally, according to 15 USC 1692E ( 3 ), a debt collector can not falsely represent the character, amount, or legal status of any debt. Further, per 15 USC 1692C ( 2 ), a debt collector must cease communication if I notify them in writing that the debt is disputed. Your failure to address the dispute violates these provisions. 

Given these serious issues, I am seeking the following remedies through arbitration : - Immediate removal of the fraudulent collection account from my credit report.

- Compensation for any financial harm and damage to my credit score resulting from this fraudulent account. 
- Assurance that such errors will be prevented in the future. 

I request that XXXX XXXX XXXX respond to this notice within 30 days to resolve these issues amicably. Failure to respond or to provide satisfactory resolution will leave me no option but to proceed with arbitration as stipulated in our agreement. 

Please direct your response and any relevant correspondence. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorize inquiries on my credit report that XXXX refuse to investigate properly. I did not authorize these companies to pull my credit iinformation
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed 5 times and this bureau refuse the follow the law Unverifiable and unauthorized inquiries have to be removed and accounts the are misleading and inaccurate must be removed and deleted For following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 have supress and frozen my report with this company 2 times and had old information remove which is still showing up in there data base after they have sent me a file that clearly states that they went in my favor and delete all inaccurate information I have ask Lexisnexis to send me proof of verification which never have been giving to me they just send incorrect information through a machine that is not correct at all they never had a conversation with a human to verify this wrong information on me please help me get this put behind me with XXXX  and XXXX inside is information they have told me to sent to get this bankruptcy remove thats not mines
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have the XXXX Credit Card account removed from my Experian and XXXX credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both Experian, XXXX, and XXXX, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. Experian and XXXX were able to correct this issue, but not the current one with XXXX. Also, XXXX has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to me.
Product: Credit reporting

On XXXX. XXXX sent a representative to my Dad 's home for an inspection. I did n't provide my social security number to the representative. I check my credit report monthly. There is Hard credit inquiry made by the company which has affected my credit score. I 've called the company multiple times. I spoke with a few resolution associates. I was told emails were sent to manger and the representative XXXX.They all told me that my credit could not have been checked without providing my social. I spoke with the rep XXXX XXXX multiple times about this. He told me he and his boss are working on it. Its been1month I left messages with no response. The inquiry is on Equifax
Product: Credit reporting or other personal consumer reports

The company is reporting the same mortgage twice on XXXX credit file showing inconsistencies on both accounts for the credit file. I'm requesting that XXXX of those accounts be deleted and updated with the accurate current status immediately.
Product: Mortgage

I am a Realtor of 30 years and my family was severely impacted when the financial markets collapsed in XX/XX/XXXX. Since that time our family had to file bankruptcy to save our house because we could not get Wells Fargo to approve a mortgage modification. As a result of that filing, and without a mortgage modification we had to reinstate our loan for our primary residence by pulling a large amount of money out of our retirement account. Our bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. Our primary residence is still carrying a 6 % loan, as we have been unable to refinance due to the neighborhood values and most importantly the mortgage was sold through the secondary money market. In addition, due to a lawsuit we had to file against XXXX to secure a modification for an investment property we are being told by the banking community our loan modification is seen as a short sale. So with the combination of a secondary market loan product and short sale we are still unable to refinance our family home. Why is our family being discriminated and penalized against obtaining a refinance on our primary residence residence when not one banker has been held accountable for the financial collapse of this country? This is pathetic!
Product: Credit reporting

1. XXXX. XXXX. I cancelled their service because it was bad. I returned the receiver via XXXX and now there is a {$470.00} or more charge. 
I need it to come off because it has dropped my credit score.
Product: Mortgage

While securing our mortgage we had to include escrow fees up front..After 2 years now with them switching names back forth ( still the same company ). Now they say I am {$1700.00} short on my escrow..Their answer raise my payment {$500.00} for 1 year = {$6000.00} XXXX My original payment was {$1700.00} ... New payment $ 2,242..I actually believe they are trying to force my wife and I into default which they calmed this month since I did not pay the extra last month while trying to work things out the paper said I owed {$2700.00} while talking to the representative about the situation .. She stated I owed {$2900.00} to meet my obligations.. I am a XXXX veteran and this has put my wife and I in financial bind .. Truck payment or house payment ... I do not know exactly what or You is behind this ..But Im asking You what are my rights as a XXXX veteran