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

As predicted, it has been 72-hours since the below commitment was made by Exeter and the principal balance of my loan HAS NOT BEEN adjusted. It still remains {$20000.00}!!! 

AND it says my next payment is due on XX/XX/XXXX when the next payment actually due is XX/XX/XXXX!! 

This company is a bunch of crooks! I am not going to be getting the AG office involved. Enough if enough! 

This is the XX/XX/XXXX response I got : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Dear XXXX XXXX, On XX/XX/XXXX, Exeter Finance ( Exeter ) received notice regarding your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). Exeter would like to thank you for the opportunity to address your concerns regarding your request to have the overpayment apply directly as a principal reduction. Exeter has thoroughly investigated your complaint, responded to the CFPB and made the following determination. On XX/XX/XXXX, Exeters records reflect that you inquired about making principal reduction payments. In response, Exeter advised that in order to have the full amount of the payment applied as a principal reduction, the account must be paid ahead three months. On XX/XX/XXXX, the account reflected as paid three months in advance. Due to a technical glitch, the funds were not applied according to the payment allocation schedule. XXXX has reviewed and confirmed that the account has advanced XXXX payments and currently there is a partial payment of {$520.00} that has had been applied towards the XX/XX/XXXX payment. In an effort to remediate the complaint, Exeter will manually reapply the partial payment of {$520.00} for XX/XX/XXXX, and apply it in full, as a principal reduction. Your next monthly payment will become due on XX/XX/XXXX. Any partial payment received between now and XX/XX/XXXX will continue to be applied as a principal reduction. As such, any partial payments received after XX/XX/XXXX will be applied as principal and interest payments until the XX/XX/XXXX payment has been completed. Once the XX/XX/XXXX payment has been completed, any additional monies received will be applied towards the principal reduction. If the account continues to be paid ahead by three payments, the principal reduction will continue. Please allow 48 to 72 hours for the system to update to reflect the adjustment. Exeter acknowledges that we failed to provide the best in class customer service and sincerely apologizes for the inconvenience this may have caused. Exeters success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. If you have any questions about these or any other concerns, Exeter encourages you to contact the Office of the President at XXXX. Sincerely, Office of the President Exeter Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. Servicing showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX Servicing I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX 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 or other personal consumer reports

I HAVE REQUEST THAT THESE INQUIRIESBE REMOVED FROM MY CREDIT REPORT AT ONCE, I HAVE SENT OVER ALL DOCUMENTS TO HAVE THEM REMOVED. UNDER FEDERAL ACT THIS IS ILLEGAL TO REQUEST CREDIT WITHOUT MY PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that 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 following 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 that are causing my score to drop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX, XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX, XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
XXXX. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. XXXX. The source of the inquiry. XXXX. Steps taken to rectify any errors or inaccuracies in my credit report. XXXX. Verification of the removal of the disputed hard inquiry from my credit profile. XXXX. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Checking or savings account

I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. I submitted a complaint to CFPB on XX/XX/2023 and US Bank responded that they had mailed Declaration of Loss form to me on XX/XX/2023. But I still haven't received any useful documents from US Bank yet besides some promotional mails. 

I trust USPS service in my area because I never miss a letter in over 3 years. I also searched online, there are several victims who have exactly the same experience with me, and some of them still have not got the money back yet. Consequently, I believe there must be some issue on US Bank side related to their mailing system.
Product: Vehicle loan or lease

I leased a vehicle from Carvana in XXXX, I was making my payments fine. It came time for me to get my hard tag and I was told that it was a delay. They provided me with a temp tag that was registered in the state of Arizona. I got pulled over by XXXX County Sheriff, they accused me of stealing the car and presenting false documentation. They ended up giving me a ticket for no tag and told me not to ever present that tag again. I then reached out to the XXXX XXXX who informed me that Carvana never finished the paperwork to even begin the registration process. Come to find out they put the wrong state sales tax on the paperwork according to them. I informed them then that until they make this right, I would not make another payment to them. The temp tag they provided me with expired XX/XX/XXXX I was then told by Carvana that they were not going to do anything about the tag until I paid, but even once I do that, it would be 1-3 months before they may be able to still get the car registered and they would end up taking the car back and swapping it, or taking the car back and giving me my money back. I then told them why not come pick up the car now and give me my money back now because code enforcement came around and was going to cite me for that vehicle being in my yard with no tag. They sent me a another temp tag Tuesday registered in Arizona again, but then came and towed the car last night. Please help me, or point me in the direction of someone who possibly can.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Demand for Immediate Reinsertion of Corrected Information XXXX XXXXXXXX Account Dear Sir/Madam, I am writing to demand the immediate reinsertion of corrected information related to my XXXX XXXXXXXX account ( Account Number : XXXX ) on my credit report. This letter serves as a formal notice of noncompliance under 15 U.S.C. 1681 ( i ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which governs the process of reinsertion of information after a dispute. 

I previously disputed inaccurate or incomplete information on my credit report concerning my XXXX XXXX account, and your investigation determined that the information was incorrect or incomplete. As per 15 U.S.C. 1681 ( i ) ( 7 ), when information is deleted due to a dispute, it may only be reinstered if it is subsequently verified as accurate. However, if the information was not properly verified, it must be removed immediately from my credit report. 

Given that your investigation concluded that the reported information was indeed incorrect, it is your legal obligation to delete it from my report. If you intend to reinstate the corrected information, you must comply with the requirements of 15 U.S.C. 1681 ( i ) ( 7 ), which mandates that you must provide written notice of such reinsertion within 5 business days of taking action. This notice must include the identity of the party that verified the information and a clear explanation of why the information is deemed accurate.

Failure to comply with this law is a direct violation of my rights under the FCRA and will not be tolerated. As required by 15 U.S.C. 1681 ( i ) ( 7 ), I expect full transparency regarding any subsequent reinsertion of information and demand immediate removal of any unverifiable data from my credit report. 

If this issue is not resolved within 15 days from the date of this letter, I will take appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for any harm caused by the continued inaccurate reporting of information. Additionally, I will seek all available remedies, including damages, for any harm to my creditworthiness. 

Let me reiterate : I demand that you immediately correct the inaccurate information and reinstate the corrected data onto my credit report. Any further delay or failure to act in compliance with the FCRA will leave me no choice but to pursue all available legal actions. 

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

I do not recognize this account XXXX XXXX XXXX XXXX is showing as a debt owed in the amount of {$2800.00} on my credit report. This is not my debt and needs to be removed.
Product: Credit reporting or other personal consumer reports

I have submitted all the requested documents to this company showing proof that I am a victim of identity theft from the IRS Equifax breech and the FTC report that they have requsted and this company fail to removed inaccuate inquiries from XXXX and XXXX XXXX off my credit report. These inquires are unauthorized and are not mine. I have also sent in my Social security card ID and proof of address with the correct address and this company fail to update my person information that clearly shows on my ID
Product: Money transfer, virtual currency, or money service

Several Crypto.com transactions were reported for chargeback during XXXX. On XX/XX/XXXX, my bankers notified me that the chargebacks were dismissed and drop because Crypto.com provided evidence that they issued cryptocurrency for the amounts listed, which is partially truthful. This isn't regarding the cryptocurrency they did not give me, this is regarding the funds they've locked on my account because they insist an active chargeback exists, but that is categorically false since XXXX XXXXIve provided the requested documentation showing the reversal of charges from my bank after I had to wait until the month of XXXX was over to show them the statement, however since XX/XX/XXXX, they've stalled day after day while my assets locked in their system as cryptocurrency lose more and more value and every couple of days they inform me that they are still reviewing a simple 7 transactions which XXXX XXXX and XXXX have confirmed DO NOT have an active chargeback status since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name AS SOON AS POSSIBLE.
Product: Checking or savings account

The claim number for this issue is XXXX. 

On XX/XX/XXXX, I contacted Wells Fargo via phone to dispute some charges I have on my account. I said that I still had my debit card in my possession but noticed there were charges I didn't do on my account. 

The charges are : XX/XX/XXXX {$1000.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$52.00}. XXXX {$3900.00}, XXXX {$1000.00} XXXX transaction date was XXXX ). 

I told them I was in the mountains during this time and didn't have access to my account during this time. My brother was able to assist me with some transactions and making a deposit while I was away without wifi. I was able to complete the filing of the claim. On XX/XX/XXXX, I received noticed that the claim was completed and rejected because a text message was received during when those transactions were completed. I told them that I would look into this further on my end. Around XX/XX/XXXX or XXXX, I called back to let them know I wanted them to reopen the claim because I have more information. 

I discovered spyware on my phone from a company called XXXX. During that time I was in the mountains, I had someone staying at my apartment who is friends with my cousin. I have 2 phone lines and I took my cheap phone up with me and left my main phone at the apartment. This person 's name is XXXX XXXX XXXX from XXXX. I tried to contact him or get in touch with him with no success. I have a strong feeling that he is the reason these transactions occurred. It would have to be an insider with access to my phone and banking information at home. I informed Wells Fargo of this new information still denied with claim when I called them back on XX/XX/XXXX or XX/XX/XXXX after reopening it again. I feel that they didn't conduct a thorough investigation into the information that I provided. I also had the same issue with my XXXX XXXX account as well. They concluded their investigation and credited me the funds back as well from XXXX during this same timeframe. I informed Wells Fargo as well about this. I would like Wells Fargo to complete the investigation and credit me back the funds that were taken from my account without my authorization. Thank you.
Product: Mortgage

on XXXX recieved an Annual Escrow Amount Statement. 

The statement indicated required escrow balance of {$2000.00}. This amount was calculated based on taxes of {$5300.00}. In XXXX of XXXX the mortage company had paid the annual taxes of {$4000.00}. The {$5300.00} was the tax amount from XXXX. 

On XXXX I called and the call center person agreed that the escrow was incorrect and he said he sent a request to recalculate and " they '' would take care of it in 2-3 days. 

On XXXX I called and was told it was being developed that very day and would be complete by the end of the day. 

On XXXX I called and was told " they '' had been closed the ticket. No change had been put in place. I asked to be transferred to " they '' and was advised that there is no Escrow Department and the person could not define who " they '' were and the person could not transfer me to " they ''. After 5 minutes or so on hold the peson advised that both her and her supervisor had input the correction and " they '' would have it done somethimg next weeek. I again asked to be transferred to " they '' and was denied. I then asked to speak to the supervisor and was denied. 

My mortage payment still show and increase from my XXXX payment, the escrow balance is still incorrect and I have no other recourse than to file this compliant. 

The Mortgage company has approximately {$500.00} extra money in my excrow account and has billed me for a XX/XX/XXXX payment which is about {$130.00} more than it should be. I notified the Mortgage company that I will not send a payment for an amount that is in error which the Mortgage company confirms is incorrect.
Product: Debt collection

I have been called several time and continue to ask to be placed on the companies Do Not Call list. Don't keep calling me trying to reach someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with this and the improper reporting of this account. This has caused a great amount of hardship on me because I have been ignored and if they would just do the investigation they would realize this to be the case. 

In accordance with the Fair Credit Reporting Act everything must be accurate and under 15 US Code 1681 this account is in violation because its not being reported accurately. 

I even have sent multiple verification requests to the company and have not received the items I asked for. 

I as the consumer would like to know all the steps the agency took to insure these items were 100 % accurate along with the method of verification. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( A ), I have sent letters to TransUnion, XXXX and XXXX. TransUnion and XXXX have sent letters back but the incorrect information was not fixed at all. XXXX has not responded at all and its been more that 30 days its been 90 days and it is still negative incorrect information on my credit report. This is beyond ridiculous and unacceptable! They continue to report harmful stuff on me and violating my rights. Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/20 I received an email from Experian stating that XXXX reported they had closed a credit line belonging to me on XX/XX/XXXX20. I responded to the email that my only XXXX line of credit, a XXXX credit card remains opened and in good standing. I also mailed a dispute to XXXX on XX/XX/XXXX20, Below, I have pasted information copied from the Experian website : On XX/XX/XXXX2020, XXXX XXXX XXXX has reported to Experian that they've closed a credit line with your account. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX-XXXX Activity : Credit Line Closed by Credit Grantor Balance Date : XX/XX/XXXX2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS BROKEN THE LAW! 

Experian is in violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 Violation - 15 U.S.C 1681b ( a ) 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX XXXX have not given Experian written instructions to furnish my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I pull my credit report and was surprised to see how inaccurate furnishing of information was damaging my credit score. After disputing the inaccuracy with both the furnisher and the reporting agencies, nothing has changed. The information I provided was valid and clearly shows inaccuracies being reported but the agency said it's accurate. It's alarming how you can clearly see inaccuracies yet nothing was done to correct or delete the information.