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

In XXXX XXXX response, she neglected to address the following concerns in complaint # XXXX : XXXX. XXXX XXXX purchased a semi-truck through XXXX around XX/XX/XXXX, for {$61000.00} + {$3900.00} less {$10000.00} ( down payment ) = {$55000.00} o Yet, we were recently informed that the beginning balance with Financial Pacific was {$95000.00}. How is this possible? Where is proper documentation of this purchase agreement? This should not be turned around to make it appear as if I am asking for the payoff amount. 
o Also, the purchase price affects the monthly interest charges. 
o Purchase agreements should be easily accessible and available to provide in less than one week, and we are going on 2.5+ weeks since requested ( XX/XX/XXXX ). 

2. Proof of Insurance Coverage o According to the most recent email sent on XXXX XXXX XXXX, and confirmed again via email on XX/XX/XXXX by XXXX XXXX, proper evidence of coverage was provided on XX/XX/XXXX and XXXX cancelled the monthly insurance charges as of that date. Although XXXX ( XXXX Supervisor ) says proper document was not provided. If that is true, why have they stopped charging insurance charges? 

3. Insurance Charges o From the first billing statement to the present date, insurance charges have been included on the invoice in the amount of {$260.00}. If proper evidence of coverage was not provided, it is obvious why insurance charges continued to appear on the monthly statements. However, the account history provided by Financial Pacific shows only 3 insurance payments ( from XXXX ) were made totaling {$1000.00}. Now, thats fine with us if they want to add more of the money received towards the balance but again, that brings me back to point # 1, the balance. 

4. Referring to the Vehicle Payments as a Rental Payments o Why is XXXX XXXX referring to the vehicle payments as rental payments? Since everything else is not transparent, please clarify what is meant by rental payment. This may be another new piece of important information.
Product: Credit reporting or other personal consumer reports

I would like assistance on this investigation In my credit report and Remove/Delete. These accounts and Inquiries AND LATE PAYMENTS NEED TO BE ADJUSTED. 
PLEASE HELP ME UPDATE MY WHOLE CREDIT REPORT AND PROPER INVESTIGATION IN MY CREDIT REPORT AND CORRECT MY REPORT PLEASE. PLEASE UPDATE CURRENT ADDRESS AND EVERY INFORMATION LISTED!!! 

XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX INQUIRY DATE:XXXX XXXX XXXX XXXX DATE INQUIRY:XXXX XXXX XXXX DATE INQUIRY:XXXX XXXX DATE INQUIRY:XXXX  XXXX  DAte Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX DATE INQUIRY:XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX LATE ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS XXXX XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXXXXXX IDENTITY THIEF XXXX XXXX  XXXX identity thief XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX ACCOUNT NUMBER XXXX Identity thief 15 USC 1681 N Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

1681b.

Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

15 U.S. Code 1666b, also known as 163 of the Truth in Lending Act, states that a creditor can not consider a credit card payment late unless they have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before the payment is due. The statement must include the information required by section 1637 ( b ) of this title.
Product: Credit reporting or other personal consumer reports

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Recently I have obtained all three of my credit reports for review and consistency. I noticed errors and inaccurate reporting by furnishers reporting to your bureau. Upon investigating all reported accounts by furnishers to your bureau for accuracy and consistent reporting, I would like to point out inconsistencies and errors that grossly affect and damage my credit scores. 


I am angry. You are delaying doing your job! I need my credit profile restored as soon as possible. There are MANY errors I am trying to fix and I am getting the RUNAROUND from you people! 


If I don't get my results from my request to you - I will file a complaint on you. For litigation I AM tired of your stall tactics! YOUR inaccurate reporting is what is causing this mess in the first place! 


As you can see it is quite apparent that the inaccuracies listed above is a mistake on either your part or the reporting creditors part. I am politely asking that you delete these items from my credit report. 

I overstand the process of the investigation is to reach every individual company to verify the accuracy in the information reported. In accordance to FCRA 611 ( a ) ( 7 ) and in your response to my requests, please include a complete description of all methods used to investigate and how you reached your conclusions. This way I will know which source to pursue in the event there is a failure to correct. We both desire accurate reporting and understand that there are legal remedies to protect my rights when errors are pointed out and there is a failure to correct. 

Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Bank account or service

KeyBank debited a previous days ' transactions ( XXXX ) before crediting a direct deposit to my checking acct. Resulting in overdrafts.
Product: Credit reporting or other personal consumer reports

This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, Comenity proceeded to apply interest charges and late fees. In XX/XX/XXXX, Comenity reported that the account was late to the credit bureaus. I contacted Comenity to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all 3 bureaus in XXXX, which all were corrected with the exception of XXXX, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted Comenity on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account. Please refer to CFB case XXXX, stating the company contacted the credit bureau to remove the delinquency. However, report was made on XX/XX/XXXX to XXXX with the payment status updated to 30 days past due and on XXXX/XXXX/XXXX to XXXX. There should be no reporting after XX/XX/XXXX. The company keeps stating they are doing a courtesy adjustment when the error was on their end. I paid the full balance well before the due date.
Product: Checking or savings account

To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX } has listed { negative listing } on my EARLY WARNING file. To my knowledge, I have never had account with { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } be permanently removed from my EARLY WARNING report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Product: Student loan

I attended Lincoln TechXXXXXXXX XXXX  in XXXX and I only took out a {$1700.00} loan via XXXX and I did not receive a pell grant. In XXXX, I consolidated all of my loans, including the XXXX loan from Lincoln tech. 10 years later, a debt collector started to garnish my wages for that loan and claimed that I owe {$7000.00}. When I contacted Lincoln Tech for proof, the said they couldnt find my paperwork because its been so long and that my file was sent to XXXX XXXX. The judge was no help when I went to court. This year, I saw on the news that XXXX was apart of a settlement and loan borrowers would receive notice, but I didnt receive anything. It also states that I took out a pell grant for that school but that is not true. I would like to know what my next steps would be because I didnt receive a letter saying I was apart of the XXXX settlement. The school is fraudulent Igor along with their debt collector and I would like to know how to sue and why I wasnt apart of the settlement.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against XXXX ( XXXX, ink. ) due to inadequate costumer service and unfair practices which violate the consumer financial act ( CFPA ), specifically, XXXX failed to take timely and effective measures to prevent and address fraud in 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 the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations
Product: Credit reporting

I originally disputed this on XX/XX/2016 case number : XXXX and no resolution. It 's been reporting on my reports stating reinvestigation since then. Now the same credit card is showing up as a collection account on all XXXX bureaus. It is now listed as Midland credit management. I submitted a copy of my identity theft affidavit with police reports. This is really affecting my livelihood and also my children 's.
Product: Credit card or prepaid card

Every month, BAC charges me too much when I only pay the minimum amount due by processing the lowest APR first. See below : " If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to FRCA 623 ( a ) ( 6 ) ( B ), if a consumer notifies you that a debt has resulted from identity theft, the creditor may not furnish information to a credit reporting agency regarding the fraudulent account. I sent a copy of the identity theft report ( attached ) to XXXX XXXX. XXXX XXXX is still reporting this account that was a result of identity theft to Equifax. In addition, I received a letter from XXXX XXXX which I forwarded to Equifax which indicates that XXXX was unable to locate any active or previous loan under my name ( attached ). Neither XXXX nor XXXX were able to verify this debt and deleted this account from my record. It is the responsibility of the creditor reporting the information to update the change with every credit reporting agency to which it reported the information.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent account in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX acc # XXXX date opened XX/XX/20XXXX XXXX
Product: Debt collection

First Tech was notified that I was permanently XXXX when I attempted to settle the debt for less. The amount that I was able to pay the credit card was {$2500.00}. This amount is the most that I could obtain and yet they advised me to contact them at another month to see if the offer would be accepted. They advised me that not paying the credit would have them attach my social security payment and cause futher damage. The account was sent to a third party who is not willing to honor what First Tech advised and threatend to make my credit worse and inclusive of law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sent to collections and has been paid. There is no outstanding balance to report and therefore no balance to charge-off. This reporting of an account that already had gone to collections is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a charge-off seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard credit inquiry made on my XXXX  credit report by " Greensky  Installment '', XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, on XXXX/XXXX/2021. I did not make this request nor did I allow my credit report to be pulled. XXXX  is useless in disputing this as they do not have an online dispute option for inquiries, and their phone line can never connect to a live person.
Product: Credit reporting or other personal consumer reports

Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent. 
I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged .... 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Debt or credit management

XXXX of 2023 I enrolled in a debt consolidation company who offered this great opportunity to help me with my high debt. they took all my information and my credit card info. they said i would be connected with a law firm and someone from the firm wil come to my house to sign paperwork. i found out yesterday the company is a total scam. over the last few months they took {$500.00} from me. i am now stuck with the debt, and my credit took such a bad hit. i need help. what an awful thing to do to somebody
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A XXXX XXXX from XXXX XXXX XXXX with a balance of {$26000.00}, A credit card from XXXXXXXX XXXX XXXX  with a balance of {$9300.00}, A credit card from XXXXXXXX XXXX XXXX with a balance of {$8400.00}, A credit card from XXXXXXXX XXXX XXXX with a balance of {$2300.00}, A XXXX  Loan from XXXX XXXX XXXX  with a balance of {$12000.00}, A XXXX XXXX  with XXXX XXXX Loans with a balance of {$23000.00}. 

A hard inquiry from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being 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: Credit card or prepaid card

When I first started XXXX XXXX in early XX/XX/XXXX, my XXXX   recommended CareCredit to finance payments ( a service provided by My Synchrony Bank ). I was supposed to have until XX/XX/XXXX interest free. I trusted that My Synchrony would not charge me interest, and I put my account on Auto Pay.

A few months ago, I discovered the bank had been charging me " Card Security '' fee every month. In addition, they were also charging me interest all along!!! " Card Security '' fees ranged from $ XXXX- {$40.00} dollars a month, and interest within that range as well.

I called the bank several times to get to the bottom of this issue. However, they kept sending me in circles. When I called the number on the back of my CareCredit card, they said that this so-called " Card Security '' service is not from the bank itself. They gave me a different number to call. On XX/XX/XXXX, I was finally issued a refund for {$830.00}. I never requested this service. They should have never charged me this " hidden '' fee. This is malpractice.

Adding insult to injury, the interest refund I received was only {$20.00}. It is the interest charge for XX/XX/XXXX ONLY. This bank has been charging me interest for years. I called repeatedly, and they have either ignored me, or manipulated me in an endless circle of talking to different people and no one can do anything. Every time I asked for a supervisor, they regurgitated the same old response " We will escalate this issue and respond within 5 business days ''. It has been months and I still don't have a simple response.

I learned through persistent calls that interest charges were associated with " Card Security '', and Synchrony Bank kept telling me they " couldn't remove those charges. '' Again, I never requested this service, and I was incurring interest charges for a service I never requested. I called " Card Security '' over and over again, and they said they couldn't do anything to remove those charges, and that the issue will be escalated. I received a call from a woman named XXXX  once or twice, who claims to be XXXX XXXX, and I have been calling her again and again. I could not get a hold of her.

This has been ongoing for over 1 month. I want this issue to solved without further delays from Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I do not have any affiliation with this company nor have I ever used them.
Product: Vehicle loan or lease

The date closed is incorrect, the past due balance is incorrect, I never received a 1099 on this repossession. And how are the balances on this account still reporting every month if its a closed account. Also the balances increase monthly on a repossession/closed charge off account. I asked for it to be deleted due to reporting of inaccurate information. They deleted it from my XXXX but I havent gotten them deleted from the other two agencies
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, 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.