23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. CREDIT PLUS XXXX XXXX   XXXX , MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX 2. XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I went in to XXXX XXXX XXXX to test drive a XXXX XXXX. I asked them to get the payment less than {$400.00} & that could not be done so we said never mind & walked away from the dealership without a car. On that same day, someone else came in & purchased a XXXX XXXX XXXX at XXXX XXXX in the amount of {$26000.00}. His loan is through Santander Consumer USA. Per the dealership, something happened with his loan & he needed a co-signer, so in XX/XX/XXXX the loan was finalized with a co-signer. The loan was funded on XX/XX/XXXX. The co-signer filled out all the appropriate paperwork & is in the XXXX XXXX system as the co-signer with the main purchaser, but on their funding page with Santander it shows me on the loan with the main purchaser. Their CDK program shows the sale with the main purchaser & the co-signer. Somehow my credit profile ( credit application ) was mixed with the co-signers packet. I have called Santander & they informed me that it'll take 3-5 business days before I will even see the fraud packet in my email. I went to XXXX XXXX & spoke to 3 associates who stated they as well will contact Santander & start a fraud packet on their end. Now the Santander loan on my credit report shows the loan is up to {$27000.00}, so I fear the purchaser & the co-signer have no made a payment, so undoubtedly, it will affect my credit score. No one can tell me how this happened. The only time I've gotten an update is when I reached out, & quite frankly, I'm not the one who screwed up so I'm not the one who should be asking for updates, they should be handed to me freely.
Product: Debt collection

I have sent letters to copy listed below : LVNV LLC ACCT : XXXX Balance : {$610.00} The account above was fraudulently opened. I am a victim of identity theft. I have sent the company a copy of my identity theft report along with the police report. I have spent time typing out letters to send both the company and the XXXX major credit bureaus as well. I have spent time going back and forth to the post office and also finding errors on my credit report. I took time to call all three major credit bureaus multiple times. I took time filling out envelops, printing documents, and sending dispute letters. I also took time filling out certified mail forms and waiting at the post office.
Product: Consumer Loan

I obtained a loan from Exeter Finance Corp with an interest rate of 22.9 %. After making approximately 12 months of payments I began the process of purchasing a home and secure a mortgage. I was informed that my auto loan with Exeter contained a outrageously high interest rate, high payment, and the vehicle had around {$5000.00} dollars in negative equity in the vehicle. I was informed by lenders, my legal counsel, and the veterans home loan association, that I would still be able to obtain loan provided Exeter reported correctly and only reported a repossession to the credit bureaus. Exeter has wrongfully reported that I was late in paying on my account, and has subsequently caused me to insure a financial loss of {$30000.00} dollars. After speaking with XXXX, in the escalations department and offering Exeter a settlement offer, XXXX told me I would receive a call back from XXXX XXXX, however, I never did.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXX, and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any delinquency. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights.

The credit bureaus stated my account was properly investigati
on but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL
Product: Debt collection

I received correspondence from XXXX XXXX regarding an alleged debt from XXXX for {$1000.00}. I spoke to several people from XXXX including XXXX his manager XXXX and another representative back in XXXX of XXXX that assured me this issue was resolved. All of these people advised me that there had been three accounts set up under my name in error and the extra account showing a balance of over {$1000.00} would be closed immediately. I have continued to do business with XXXX and pay my account faithfully. I have not received any notifications or heard anything from XXXX regarding this fraudulent account until i received this collections notice on XX/XX/XXXX. I attempted to contact the company directly to discuss but the representative XXXX was more interested in being unprofessional then resolving my issues. I am disputing this balance because I never owed this balance nor have I signed any paperwork regarding this account. From day one XXXX  has been deceiving and untrustworthy and they NEVER do what they are supposed to do. This account has been opened up in my name and ss # fraudulently. I demand that this account be verified and validated and removed from all three credit bureaus immediately.
Product: Debt collection

UNITED REVENUE CORP is claiming that I owe them {$840.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

Dear XXXX I pulled a copy of my credit report and noticed some inquiries that are fraudulent I have attached a copy of my FTC report and my Drivers license and social security card. Please remove the following inquiries : XXXX XXXX XXXX XXXX Cap One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was not told by the mortgage company that I was denied a modification and had the right to appeal. This is through Nationstar Mortgage.
Product: Debt collection

A claim was filed on XX/XX/2016 against me in the amount of {$9200.00}. I repeatedly get phone calls regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I've contacted the original creditor ( XXXX XXXX XXXX ) and all 3 credit bureaus XXXX, Equifax, and XXXX about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. I've been ignored and is in violation of my consumer rights according to the FCRA. This account needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo improper use of information
Product: Student loan

I have requested consolidation into one loan multiple times, still have XXXX loans. Ridiculous, these can not be consolidated.
Product: Vehicle loan or lease

Re : XXXX XXXX lease with : KIA MOTOR FINANCE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX * Started on XX/XX/XXXX * Turned in XX/XX/XXXX at XXXX  XXXX in XXXX NY, XXXX XXXX XXXX XXXX * 3rd party vendor assessment : {$0.00} charges due to great condition of vehicle I'm writing to protest, contest and dispute a poor marking on my credit report due to a KIA reported " 30 day late '' / non-on time payment on my XXXX XXXX auto loan. I recently disputed this with XXXX, but today I found I was unsuccessful and I'm VERY upset and disappointed. I am very careful with making on time payments as you'll find from the history of my leases and loans and I take a LOT of pride in my credit score as you'll see from my cumulative payment history. Today my credit score plunged from XXXX to XXXX according to XXXX, one of my creditors. 

The dealership communicated to me to wait until final bill was processed and that it may take a few months for Kia to process. I checked online account periodically for additional mileage charges to be reflected in the form of a bill. 

In XX/XX/XXXX I contacted KIA Motors to discuss account and they communicated that a portion of the mileage and other charges were dropped and so the bill was less. They agreed to a {$100.00} discount from what they were asking at the time. In total my payment was {$860.00}, comprised of ( 2 ) {$430.00} payments. They communicated to me during the call that I was at 31 or 32 days at the time. 

A ) I had ZERO knowledge of any concrete deadline with this residual post-lease balance and I expressed this to the representative at KIA ; and B ) I had ZERO knowledge that any post-lease balance was credit bureau reporting eligible. I also expressed this to the representative at KIA Motors Finance. 

I made 48 on time payments during my lease only to find that they retroactively posted a late payment to XX/XX/XXXX on my credit report, and went off the original instruction from dealership to wait until balance was finalized and that it may take a couple of months.
Product: Money transfer, virtual currency, or money service

I established an account using the XXXX XXXX app. This is a XXXX XXXX that allows you to purchase XXXX. Usually after you verify your identity and make a bank transfer, you can then buy XXXX. The funds are then available to withdraw or spend several days later. With most XXXX  exchanges this takes a few days or one week at the very most. 

On the XXXX app ( XXXX XXXX XXXX XXXX XXXX I deposited {$500.00} XXXX on XX/XX/XXXX. On XX/XX/XXXX I purchased XXXX for {$400.00} and XXXX XXXX for {$98.00}. I have tried repeatedly to withdraw these coins to my personal wallet since then. It has been one month. Every time I try to access the funds I see a pop up which says Pending Verification : your account is pending verification. Please check again later. 

I have sent support multiple requests for answers and have not received a reply.
Product: Credit card or prepaid card

I received a Visa Gift card on XX/XX/XXXX23 and once I opened it, a set of the numbers were missing and I was unable to use it. I contacted the company and was told I needed to provide the receipt. I was given the receipt by the person who gifted it to me on the same day and began calling the company back but since each rep puts me on hold and never returns and the call drops after hours of being on hold. Their website states they will issue a replacement and I was told that by the reps I spoke to as well but its as if their purposely leaving me on hold until I give up. The card was purchased for {$200.00} plus a service fee of {$6.00}. I can only assume that they don't want XXXX replace it because of the value? Each time before they put me on hold, I'm asked for the serial number but no-one ever returns. I have been on hold for exactly one hour and 27 minutes as I am filing the complaint on XX/XX/XXXX2023. The rep came on at exactly 35 minutes in and took my information. The same thing happened on XX/XX/XXXX2023 ( twice ), XX/XX/XXXX2023, and XX/XX/XXXX2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education/Nelnet is reporting account inaccuracies across consumer 's XXXX, XXXX, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but XXXX and XXXX is showing that the account has been late for 90 days. Also, 20 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave Nelnet, XXXX, XXXX, and XXXX written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / NELNETXXXX NELNET, INC. COMMISSION FILE NUMBER XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries made by someone other than myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax told me that the bankruptcy information that they are reporting on my credit file was provided to them by the court house but that isnt true, I called the courthouse and they told me that they do not provide any bankruptcy information to any of the credit bureaus, now for some reason, equifax keeps telling me that they have been able to verify this bankruptcy, if that is true then I would like the name of the person that they spoke to at the courthouse and also the phone number of the same person, I would also like equifax to provide me with any information that they have from the court house, proving that they provided this bankruptcy information to them. I received a letter from the courthouse that tells me equifax is lying when they tell me that they have verified the bankruptcy. 
Equifax does not need to verify my identity because I have provided them with the last 4 numbers of my social security number, my home address and my date of birth, also I am providing them with a copy of my identification, and a copy of my social security card, I know that this company uses these type of tactics to never remove what is inaccurate on a credit report because they get paid for it and it is illegal that equifax provided my personal information including this public record to my current employer, by law they cant do that, I have never given them authorization to provide anyone with my personal information. This company does these type of illegal things and it makes me wonder about what else it is that they do with peoples personal information.
Product: Checking or savings account

I applied for an online checking account with Chime and was declined. There is no legitimate reason I would be declined and Chimes response to the decline is their generic letter below : Chime logo We're sorry! 
Unfortunately, based on the information provided, we were unable to open a Chime Checking Account and Credit Builder for you at this time. Due to security reasons, our Member Services team is unable to provide you with any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Equifax received request to investigate accounts reporting to my credit report that are inaccurate and do not belong to me. I informed Equifax to investigate and delete the following accounts. 
1. XXXX XXXX, Acct # XXXX delete this account 2. XXXX - Acct # XXXX xx - reporting as a charge off and late 3.  XXXX Acct # XXXX xx. reporting as a charge off and late * Additionally, Equifax should know that I have OPTED-OUT of the class action settlement they are trying to scam every American into accepting. I Opted-Out because I fullly into to file a separate lawsuit against them for hundreds of thousands in damages they have cause me. 

As for the accounts listed above. Equifax has made zero attempts to investigate my claims within the time period allowed by law. Equifax has easily exceeded the time frame of 30 days therefore, by LAW MUST delete the account above.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX