23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX on unpaid XXXX and XXXXXXXX XXXX. I was only three months from paying off my XXXX Honda XXXX which I had purchased new four years earlier and they refused to work with me and were trying to repo my car for the {$5000.00} balance so I had no other option than to go buy another car and finance the balance into the loan. I had XXXX XXXX  in equity in my car so my new loan was only for XXXX XXXX  with this balance rolled in, but I had intended to keep my car for many years as it only had XXXX miles on it when I traded it in, this caused me great hardship and they will answer for it to XXXX XXXXXXXX XXXX as I am a twice widowed mother with no help!! They were paid in full by XXXX XXXX and the car was never repossessed or written off if they did write it off to get a tax break after they were paid in full in XX/XX/XXXXXXXX you need to alert the IRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS XXXX XXXX XXXXXXXX XXXX, so you can tell them I reported it to you!! They have refused to remove this comment as it allows them to make me look bad on my credit reports and they are revengeful, I also disputed it with XXXX and they did NOT update it, so they also need to be fined for breaking the FCRA, they simply put the same remarks as prior and said it was verified and updated, which is a lie!!! Please enforce the laws and make them remove the lie that it was written off, it was paid in full so they can not claim a tax break on a debt that they then took the full amount for a few weeks later, that is also against the law!!! I also want a copy of my complaint shared with the FTC!! I want all of my credit reports corrected, then I want a corrected copy of my reports, all three from all credit bureaus, mailed to you and me both!! I do not want this complaint closed until all is completed and I let you know it is done!! I also want both Honda Financial and XXXX fined for breaking the FDCPA and FCRA!!! Please enforce the laws!!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My name is XXXX XXXX and I am submitting this complaint on my own behalf. On XX/XX/2022 Goldman Sachs received documents that I sent them in an effort to validate alleged debts that they claim I owe them, and receipt of these documents is shown via certified mail receipts in the attachment. The documents included a Debt Validation letter. I requested the validation of these debts by Goldman Sachs in accordance with 15 U.S.C 1692g ( b ) and have not been provided the information and documents requested. I sent Goldman Sachs an Affidavit of Truth which they received via certified mail on XX/XX/2022. Goldman Sachs also did not rebut the affidavit and an unrebutted affidavit stands as truth in law. Goldman Sachs also received a notice of fault on XXXX XXXX via certified mail and responded with statements and a contract. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court Case, a consumer contract and statements are not sufficient evidence of a debt. GOLDMAN SACHS has not complied with the request for valid proof of debt and were unable to provide the documents demanded.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX I received a welcome phone call from Global Lending XXXX. On XX/XX/XXXX I received a call from XXXX XXXX stating that I need to return the car or get a co-signer. I returned the car on XX/XX/XXXX to XXXX XXXX who at that time stated he did find a bank that was going to approve me. I just had to leave my car take the loaner and bring my paystub. When I returned back to the dealership on XX/XX/XXXX I was told my part-time job working 60hrs a pay period I couldn't use. This was all a scam and they are wrong I signed a contract.
Product: Credit reporting or other personal consumer reports

I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with National Credit Adjust. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Product: Credit card or prepaid card

On XXXX XXXX my Sears/CitiBank card was used to charge {$500.00} in airtime on a phone located in XXXX, XXXX. I live in XXXX, XXXX, XXXX miles away. The card was immediately flagged as " suspicious '' and I confirmed via email I did not authorize. A new card was issued but the disputed, fraudulent charge was carried forward. That was six months ago. Multiple contacts via phone, emails and two lengthy letters describing in detail how this charge was fraudulent and not authorized have not resolved the issue despite constant assurances it is being addressed. Now, late payment and interest charges have been applied to the unauthorized charge which I refuse to pay unless I receive evidence I somehow am responsible. I have contact, per instructions, and sent documentation but in six months, despite repeated assurances, the only communication received from CitiBank/Sears are notices from collection agencies.
Product: Debt collection

I received a letter in my mailbox that apparently this AFNI company or whatever, telling ME that I have to pay {$610.00} out of a supposed {$940.00} to settle a XXXX debt I have never heard of within a month or else they'll treat it as " legitimate ''. I am cautious about whether to contact them in any form as I fear they'll purposefully waste time. I received the letter in XXXX XXXX.
Product: Debt collection

AN FTC AND POLICE REPORT HAS ALREADY BEEN FILED AND SENT TO ALL THREE CREDIT BUREAUS ; BUT I AM STILL RECEVING LETTERS AND PHONES CALLS FROM THESE COMPANIES. I WANT THESE PEOPLE TO GO AWAY AND LEAVE ME ALONE FOR GOOD! I HAVE TAKEN THE NECESSARY STEPS LIKE THE CREDIT BUREAUS TOLD ME TO DO. THESE ITEMS ARE STILL SHOWING UP ON MY EQUIFAX AND XXXX REPORT.
Product: Credit reporting or other personal consumer reports

XXXX 's decided to report my account as late back on XX/XX/2023 and it has brought a burden ever since. Credit is being denied, account are being closed, and other they just lowered my credit limit due to XXXX incapability to do their job and report accurate and double checked information. This is the importance of human eyes and human job and not trusting softwares completely. I'm still carrying this burden due to their HUGE mistake. After this I will be seeking legal counsel to ease my burden and collect all monetary relief possible for everything I had gone through. 

Attached all payment showing no payment was made late and also an screenshot showing you reporting me late to TrasnUnon and Good know where else. 


If you need this, I XXXX XXXX XXXX authorized CPFB to disclose my information to you and I authorize XXXX 's to do the same.
Product: Mortgage

My home was appraised by XXXX XXXX at a 10 % increase in value over the past 14 months. The appraisal misrepresented my home so I objected to the appraisal. I keep requesting a reason why my home doesn't at least follow national averages or XXXX market average where 15-20 % increase over the last 12 months. Better Mortgage even shows on their site 22 % overall increase. 

My homes value was compared to home that sold 12 months ago by someone out of state. I found a newer purchase around the corner from me and they would not accept it as a comparison, they wont correct the miss representation of my home. 

Lender say appraiser wont change report, I want proof that they even asked them to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry date XX/XX/year> certain information that has been reported on my credit file under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. It has come to my attention that certain data has been reported by your agency without my explicit written consent to either furnish or obtain my personal information.

Pursuant to 15 U.S.C. 1681b, a consumer reporting agency is prohibited from furnishing information about me without my written consent, unless a permissible purpose exists under the law. Furthermore, I have not given any authorization or consent for the reporting or inquiry of my information by the parties involved. I respectfully request that you conduct a thorough investigation to verify the accuracy of the information and ensure it has been reported in compliance with federal law.

In light of this, I am requesting that you immediately : 1. Investigate the validity of the reported information in accordance with 15 U.S.C. 1681i.

2. Provide evidence of my written consent for the disclosure or inquiry of my credit information.

3. Remove any unauthorized inquiries or accounts from my credit report.

Please note that if you can not provide proper documentation or proof of consent, I expect the information to be removed from my credit file promptly, in accordance with the Fair Credit Reporting Act.

I would appreciate your written response within 30 days, as required by law. Should you need any additional information to process my dispute, please do not hesitate to contact me.

Thank you for your prompt attention to this matter.
Product: Mortgage

In XXXX we fell behind on our mortgage... address was XXXX XXXX XXXX Texas XXXX... they told me that I had to pay {$5000.00} something before XX/XX/XXXX to keep my home... my wife went and got a {$5000.00} loan in XX/XX/XXXX and I called Wells Fargo and told them that I had {$5000.00} I could pay and they said that I had to pay the total amount to keep them from foreclosing... So we moved out and they put the house up for auction ... trying to figure out if I am eligible to be in this class action law suit... thank you
Product: Debt collection

Today, XX/XX/2019, XXXX from Summit Receivables contacted my work phone number. A co-worker who is now in that position answered the call. When XXXX asked for me, my co-worker explained that I am no longer in that department. XXXX said that she was from Summit Receivables and this was an attempt to collect a debt. She told her that the call was being recorded. My co-worker looked up my new phone number to transfer the call. I do not know who the original debtor is or what is owed. I am furious that I would be embarrassed at my place of employment by speaking to someone other than me.
Product: Credit card or prepaid card

I had an earlier complaint XXXX and at first got helpful calls from the person assigned to my complaint. 

The explanation from Bank of America is rather misleading. The reality is that their website makes it very difficult to manage payments properly. They have it set up that way in order to increase their late fees and interest payments. 

Moreover, their customer service people are horrible to work with. It is impossible to get anything in writing, nor to get a person who has any discretion to make a reasonable decision. 

As part of that agreement I made with Bank of America, they agreed to waive fees until the card was canceled. When I paid off the balance, they canceled the card, but charged another {$60.00} in fees and interest. 

I tried calling the assigned service representative, XXXX XXXX, many times, I got no reply.
Product: Debt collection

it 's a phone bill with XXXX opened about 6 yrs ago, it 's still on my credit report
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians in action violates federal law and my rights as a consumer.
Product: Credit reporting

To whom this may concern, This is a follow-up to my previous letter sent to Equifax on XX/XX/2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to Civil Code Section 1785.20-1785.22, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate. 

Sincerely Yours,
Product: Mortgage

My prior insurance agent failed to renew my content insurance policy in XX/XX/XXXX. We were notified in XXXX of this problem. We immediately fired our agent and got a new one. The following day we were insured and had alerted Wells Fargo of the new policy we had acquired. They assured us that we solved the underlying issue and I thought all was resolved. 
Then a couple days later we began receiving calls and letters every week claiming that we do not have said insurance. Between XX/XX/XXXX and XXXX of this year in XXXX my insurance agent and myself sent the proper papers alerting Wells Fargo that our insurance has been valid since XX/XX/XXXX. We offered to pay any debt we had incurred between XXXX and XXXX of that year. 
Wells Fargo has now advised us that they are going to open a case to resolve this issue but still have not opened any case. While this has happened they have doubled my mortgage payment. This is all for a XXXX dollar content insurance policy. On top of that Wells Fargo has still not said why and I still receive calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency reporting chapter XXXX bankruptcy and bankruptcy dismissed. 
However US bankruptcy courts does not release information to third parties. Based on this information must be deleted from my report.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally dispute the denials of both my QuickBooks Line of Credit and PayPal XXXX XXXX applications, issued through XXXX. These decisions were based on inaccurate and outdated information in violation of federal and state regulations. I request that these matters be investigated and reconsidered. I also want to highlight that the charge-offs referenced in the denials is past the statute of limitations for credit reporting in XXXX XXXX and should not have been shared or reported, adding further violations to these denials. I am disputing all charge-offs and inaccuracies on all of my reports not only the ones that directly affected this refusal of working capital for my business and its continued operations. 

15 USC 1681c, 15 USC 1681b, 15 USC 1681c a4, 15 USC 1681n, 15 USC 1681n, Statute of Limitations New York General Business Law 380 j f, 15 USC 6802 abc, 20 USC 1232gb, 12 CFR 1022.3, 5 USC 552a, 12 CFR 1016.7, 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 1681e, 15 USC 1681s-2, 15 USC 552a , 15 USC 6805
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted transunion and sent over documents that what their reporting is fraud and inaccurate. Ive requested the items be removed immediately as I have sent my dispute letter, FTC identify fraud report and a copy of my social security card and drivers license.
Product: Debt collection

I originated a debt consolidation loan through XXXX XXXX XXXX XXXX ( XXXX ) for {$25000.00} at 18 % APR on an 84 mo. payback term around XX/XX/XXXX. This loan was set up on account # XXXX under a signature loan in my name, with a {$25000.00} balance. Checks in the total amount of {$25000.00} were issued to myself with creditor payees listed on the individual checks to distribute to listed creditors per the agreed debt consolidation loan. 

During this initiation of the original loan I had XXXX creditor checks that I was not successfully able to send to the original debt holders. The XXXX checks were XXXX cashier 's checks # XXXX in the amount of {$560.00}, # XXXX in the amount of {$160.00}, # XXXX in the amount of {$330.00}, # XXXX in the amount of {$490.00}, and # XXXX in the amount of {$710.00}. I still have these un-cashed checks in my possession as proof of non-delivery. 

So the originating balance of my debt consolidation loan should have been adjusted to {$22000.00}. I brought this up to the XXXX through phone call communications and was unfortunately told " that's not how we do this ''. My loan balance remained at {$25000.00} throughout the life of the loan at XXXX. 

During the aftermath of financial struggles post-COVID, I fell behind on this loan at XXXX. I requested that they adjust my late payment balance based on this origination discrepancy. They did not accommodate my request. 

Falling behind on this loan due to my own post-COVID financial struggles was mentally taxing enough. Knowing that this delinquent debt was based on financial fees, and terms, on debt I didn't actually realize was maddening. I did not know of this CFPB service at the original problems of my debt with XXXX. 

XXXX just recently sold my bad debt to RA Rogers Inc. RA Rogers notified me via mail that the principle balance I owed them was {$19000.00}. This amount is based on the loan originating at {$25000.00}, which I never received in full. I informed them in writing, that this originating balance was in error. RA Rogers did nothing to adjust the balance. They just sent me a second notice on XX/XX/XXXX, informing me that I owed them {$19000.00} on this bad debt. 

I could desperately use the CFPB 's help in this matter. Please advise. 

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

am writing to file a formal complaint regarding inaccurate information that has been reported on my credit report. Specifically, the name " XXXX XXXX XXXX '' and the address " XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX '' are incorrectly listed on my credit report. I have never been associated with this name or address, and this erroneous information is impacting the accuracy of my credit profile. I have already disputed these items with the credit reporting agencies, but the incorrect information remains on my report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information be listed on consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX Bank Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX   Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : The XXXX XXXX Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX Bank Account # : XXXX Balance : {$260.00} XXXX Account : XXXX Account # : XXXX Account : XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX Account # : XXXX Balance : {$750.00} ( Limit ) Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, XXXX and Equifax letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Product: Student loan

XXXX now named Aidvantage has been sent security notices and request for Master Promissory note was not honored. Sent to both XXXX Student Loan Trust XXXX in c/o XXXX XXXXXXXX XXXX XXXXXXXX XXXX and Aidvantage XXXX Student loans are affecting my credit report and they are in violation of FERPA, CFPA XXXX FCRA, and FDCPA in accordance federally protected consumer rights so they need to be removed from all third party credit reporting agencies XXXX, XXXX, XXXX, and XXXX
Product: Credit card

I discovered after closing my business that an employee had applied for a Discover Card in my name. After multiple attempts with certified letters requesting proof of my signature and debt validation I never received proof. Finally, after XXXX years the derogatory information falls off my credit report. On year XXXX Discover filed a 1099, as you know this is a fraudulent filing, but the IRS does not know it is, and I have the IRS coming after me for thousands I do not owe. 
I have a statement showing the charge off in XXXX. I need Discover to cancel the 1099 asap.