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

These Lists Of Addresses Phone Numbers And Inquiries Doesn't Belong To Me And I Have No Knowledge Of Any These Addresses Phone Numbers And Inquiries Listed Below 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 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 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 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

Every 30 days I have disputing the same inaccurate information from the credit bureaus and they aren't doing anything to remove these inaccuracies. The are reporting the following fraudulent information and it has hurt and damaged my credit scores : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft Equifax - Dispute Letter Sent XX/XX/2022 XXXX XXXX XXXX  - {$420.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX - Dispute Letter Sent XX/XX/2022 XXXX XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX XXXX XXXX Charge Off - This was included in a bankruptcy and was paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment so I am filing this for myself and not anyone else. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Mortgage

My loan documents clearly state that as the loan was opened with a primary loan there are no annual fees, This is at least the 3rd time now that Santander Bank attempts to charge me a {$50.00} fee which then causes me to have to spend hours explaining to them that my loan should not have a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

Dear CFPB, I am writing to formally lodge a complaint against AUTONATION FINANCE for improperly reporting a repossession on my XXXX credit report. Their actions appear to violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

On XX/XX/XXXX, AUTONATION FINANCE listed a repossession on my XXXX credit report, indicating that the account was closed but repossessed. However, AUTONATION FINANCE had already purchased the car back in XX/XX/XXXX and sold the vehicle. This inaccurate reporting is misleading and adversely affects my credit score.

According to 15 U.S. Code 1601, the purpose of the TILA is to ensure that consumers are provided with meaningful disclosures of credit terms and protected from inaccurate and unfair credit billing practices. The misreporting of this repossession is inconsistent with these principles.

Furthermore, under 15 U.S. Code 1681n, AUTONATION FINANCE is liable for willful non-compliance with the FCRA. If they fail to delete these inaccurate items after my dispute, they owe me {$1000.00} per item for each instance of non-compliance. 

Given these circumstances, I respectfully request the following actions : 1. Immediate investigation into the inaccurate repossession entry on my XXXX credit report. 
2. Removal of the repossession entry that is inaccurately reported.

3. Cease any further attempts to inaccurately report this or any related information on my credit reports.

4. Provide written confirmation that the inaccurate item has been removed and will not be re-reported.

Please consider this letter as a formal dispute of the inaccurate repossession entry on my credit report. I expect a response within thirty ( 30 ) days from the date of this letter, confirming that the inaccurate entry has been investigated and removed. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and ensuring compliance with federal credit reporting and debt collection laws. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed al l protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section 605B of the  Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did a credit inquire on my credit without my authorization more than twice on the same day this is impacted my credit score. 


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

To whom it may concern it seems XXXX XXXX and equifax are missing my phone # so i wanted to update this with both as my main line is XXXX ( cell ) and my back up line is XXXX. Just want to get this updated asap thank you.
Product: Mortgage

Am behind on my mortage but my ex wife was on the mortage we got a divorce i got the house she didn't want it but sold her na, e on loam for XXXX that's after i paid over 20 years i almost got paid off i need financial help please i'm behind my payments
Product: Credit card

To recap on a previous complaint : On XX/XX/2023, I lost my job thus my income. I used up my reserves to keep my bills current until I receive a new job yet all of my funds were depleted. I was worried about my two credit cards, XXXX and Capital One. When I spoke with XXXX, they put me on a payment plan that was 11 % of my regular payment which was {$17.00} for 6 months. So, when I contacted Capital One, on XX/XX/2023, I was expecting the same results or even better since they are a larger company. The Capital One representative XXXX, once he heard my situation, asked me how much could I pay until I get a job, ( which I was expecting within a few months maximum ), I stated {$20.00} which was approximately 11 % of my regular payment. I then explained what XXXX did for me, expecting this to be the norm. XXXX then stated I would have to pay {$310.00} for 3 months, which was almost twice my regular monthly payment! Obviously, if I can not pay my regular payment, I can not pay almost twice that! I reiterated the seriousness of my situation, aka, having no money for food and in response, XXXX disconnected our conversation. I went ahead and posted {$20.00} payments on the payment due date. What I find comical, is that I still receive emails stating Capital One can help with my payments which I find ironic because when I did ask for help, and let it be known, since having this Capital One credit card, this is the FIRST TIME I asked for help, they spat in my face! 
Since XXXX of 2023, I have been paying {$20.00}. During this time Capital One sends me emails to help yet their payment plan is obscene with a {$300.00} to {$400.00} plan! Obviously, if I can not pay the regular payment of {$180.00}, I can not pay twice as much! Currently I went to pay my monthly {$20.00} and Capital One not only closed my account but discharged it! Capital One refused to assist me during my trying time when I have been struggling with unemployment due to XXXX Long. Capital One ILLEGALLY refused to send me a notice nor warning about closing my account and charge off. I was a card member for over 14 years and only until recently I am struggling so they decide to go to the extreme and instead of assisting me they screwed me over. I guess this is how they treat dedicated members. Interesting how my other newer accounts were willing to assist yet Capital One wasnt. Totally disgusting!
Product: Debt collection

I have been contacted by Kehoe Financial Group at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX regarding XXXX parking/traffic violations in XXXX, XXXX occurring over five years ago ( XX/XX/2019 ). I was traveling throughout XXXX in XXXX of XXXX  and was in XXXX for less than 2 hours. I picked up a vehicle purchased in XXXX, XXXX, that was to be shipped to the USA. License plate # XXXX. 
The XXXX said violations occurred in XXXX XXXX in XXXX of XXXX. I was not the driver at the time. I did not even drive in XXXX ; my previous boyfriend was the driver. I HAVE NEVER RECEIVED ANY NOTIFICATIONS OF SUCH PARKING/TRAFFIC VIOLATIONS. In researching XXXX 's parking ticket policies, it indicates that the statute of limitations is 5 years. It has been XXXX  years and XXXX  months since such violation occurred. Each citation is for {$480.00} ( {$930.00} total ). 
What can I do? I am shocked about this! 
Citation # XXXX - Reference # XXXX / XXXX  # XXXX Ticket Date XX/XX/2019 License Plate # XXXX Fine : {$460.00} Citation # XXXX - Reference # XXXX / XXXX  # XXXX Ticket Date XX/XX/2019 License Plate # XXXX Fine : {$460.00}
Product: Credit card or prepaid card

I made a purchase from XXXX and XXXX closed my account because XXXX told me that my account had been hacked and reopened after a week and then I made the same order again and this order was lost and I went through Customer Service and XXXX gave me a credit and then they bill my account that twice for the same item which was never delivered and I had to order again and XXXX charged my account again for this item and this item a camera was finely delivered almost a month late I have contacted XXXX on this matter a few times The problem started on XX/XX/2019 and has not been resolved to this day the XX/XX/2019 XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXXXXXX XXXX XXXXXXXX, Number : XXXX
Product: Debt collection

XXXX XXXX called and said that I had an outstanding debt from a XXXX XXXX company in the amount of {$1200.00}, but I could settle for {$380.00}. I was told not settling would lead to having my wages garnished up to 35 %. I told her she didn't even let me know who I owed the debt to and she said XXXX XXXX XXXX. I asked when it was as I don't have any outstanding debt and she said it was from 2014. I let her know that Texas has a statute of limitations on collections even if this was my debt and she said since it was a bank product, they could " take me to jail for it if they wanted to. '' I asked why I hadn't received anything in the mail and she said they had been sending me mail for " many years '' to my address, where I've only lived for 3 years. I asked for a validation of debt to be sent via certified mail and she said they are just the process server and the paperwork is " with my file '' with the original debtor so they can't send it to me. She also told me I would have to prove in court that I never received any documentation from the company if I didn't want to pay the settlement amount right then.
Product: Credit reporting or other personal consumer reports

Dear Experian, XXXX, and XXXX, I am writing to formally dispute inaccurate and incomplete information on my credit report. I recently submitted a dispute regarding certain items, but the investigation conducted was insufficient, as the information was only verified against the furnishers report rather than being thoroughly reviewed in light of the evidence I provided. 

XXXXXXXX XXXX XXXX Account ( Account XXXX : XXXX The balance is inaccurate on all three bureaus. 
The past due amount is incorrect on all XXXX  bureaus. 
The payment status is incorrect on all XXXX  bureaus. 
The last reported date is inaccurate on all XXXX  bureaus. 
The creditors comments are inconsistent and incorrect on all XXXX  bureaus. 
The date last active is inaccurate on all XXXX  bureaus. 
The payment history for the last two years is incomplete and incorrect on all XXXX  bureaus. 

I demand that you delete it immediately and stop parroting information from the furnisher without doing a full investigation to protect my rights. This inaccurate information is causing me harm and ruining my good name. I cant get the credit I deserve because you failed to do your job. I see why the CFPB is suing you guys..
Product: Debt collection

here have been a collection account placed with the 3 credit bureaus on an account that was included in a bankruptcy. The bankruptcy in question was discharged on XX/XX/XXXX. National Recovery Agency added this to my credit reports claiming it was a new account opened in XXXX of XXXX for {$210.00}. This information is totally inaccurate And I gave them the correct information via telephone and also gave them my bankruptcy lawyer contact information, whom they never contacted.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is extremely inconsistent and their reporting to credit bureaus. They havent reported to one of my accounts in more than a month. They have no problem always reporting you immediately if you are XXXX XXXX over your limit. These inconsistencies should never be allowed. Its definitely not fair that my credit drops XXXX points when Im XXXX XXXX over my limit, but Ive paid them off and they havent reported this. Why do they get to wait when they are paid in full but get to negatively impact peoples credit immediately?
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I have shown Transunion that XXXX was unable to validate the {$4900.00} balance, Transunion continues to report this unvalidated information on my credit report.
Product: Credit reporting or other personal consumer reports

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment.

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

I demand that the late payment reported in the specified months be removed.

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date. 

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

Please remove the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I Opened a credit card request for Jet Blue due to a promotion they had to take ( - {$300.00} ) to a current trip. I bought a flight to new jersey through jet Blue Website also filling out the credit card application thinking it was going to be applied to the total. 
The notification I received upon finishing the application was that it was in processing and that they will notify me if I was approved on it. I never got the ( - {$300.00} ) to my total so I thought I wasnt approved. In XXXX I was checking my credit score because I want to buy a home for my family since we had a newborn on XX/XX/XXXX of this year. I noticed that there was a XXXX point drop on my credit score due to a credit card not paid in XX/XX/XXXX telling me that there was an account 30 days past due I then immediately looked to see what card it is and it was a Jet Blue card I received in XXXX. I knew I didnt make any purchases with this card so I called and asked why the charge and the company representative told me that it was because their annual fee is charged on the XXXX of XXXX! 
I was already being charged of an annual fee without even having the card yet. I was not notified of this charge anywhere. No letter was sent home nor email. As you can tell in my credit report. I am very careful about my credit and what I buy. I take care very much of my credit and for this to happen its just wrong from them. 
I tried calling the company and they told me that I must write a letter to you reporting this issue as there is nothing they can do from their part. I paid the full amount owed as soon as I found out about the charge, and I also closed my Credit Card with them. 
Please help me investigate this issue further and please delete this wrongful reporting from my credit report as it is more of a scam than fair. 
Thank you very much for your time.