23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

It started with the need to get help for my cat who was XXXX. So I headed to the Vets Because I 'm on a fixed income, ( a non-service related XXXX pension ) and have been struggling financially for some time now, I simply did not have the finances to cover the {$72.00} fee to give my cat the needed medical attention. When it was suggested that I open an account with " CareCredit/Synchrony Bank '' to help her, I felt I had little choice. It was either that or let my cat continue to suffer. At the time I was not much concerned with any of the fine print or policies of CareCredit, I was stressed out enough just having to deal with relieving my cat 's suffering. 
I 'm XXXX and barely surviving on the small stipend the XXXX. pays me, so when I received CareCredits first bill stipulating that I pay {$25.00} a month until I pay it off, I immediately called them, and pleaded with the representative that I was already struggling just to survive, and would it be possible if they could be a little flexible with me by allowing me to pay them XXXX or XXXX dollars a month until I pay off the {$72.00}. They said absolutely not! and they stated that for every month I did n't make the {$25.00} payment I would see an increase of {$35.00}. 
Well as of today after missing five months of payments on my bill it has risen to {$220.00}. They have now turned the issue over to " XXXX '', an aggressive collection agency. I 've tried my best to reason with all concerned parties, but to no avail. And they are no longer interested in the XXXX dollars they want the whole {$220.00}. Anyway, any help would be most appreciated. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

this collection account is listed on my XXXX  as negative and it effects my credit. Creditor assured me upon receiving full payment within XXXXdays collection would be removed from my credit report
Product: Debt collection

I have been disputing this collection debt from ARS. I have asked them to provide proof that this is my debt. How old is out? Where is it from? Who did they purchase it from? They do not respond and just keep putting it on my credit report. I have asked for them to remove and they will not. The constant calls are becoming too much. They do not provide me with any information as to what this debt is. This has been going on for years now and they keep putting new stuff on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting or other personal consumer reports

In alignment with the Fair Credit Reporting Act : The inquires listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy. 

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent. 

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have a debt that showed on my XXXX report as a loan. I disputed this loan, as I have never signed any loan documents. A collection agency has the account now, and when trying to tell them the loan is not mine and it's fraudulent, they want me to give them personal information which I will not do. Like my full social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one late payment reported o credit report it is from Capital One Credit Card in XX/XX/XXXX. I sent in a check ( # XXXX ) from my XXXX  business account on XX/XX/XXXX in the amount of {$1000.00} it was never cashed until XX/XX/XXXX. I am unsure what happened if maybe it got misplaced in capital one mail-room or something but if the check would have been applied to my account on time I would have avoided the late payment and the interest charges for that many months on the {$1000.00}.
Product: Credit card

Date of Transaction : XX/XX/2023 Order # XXXX Item ordered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Store Card : {$3900.00} Used XXXX XXXX XXXX XXXX : {$230.00} The company used XXXX to ship the item. The item was supposedly delivered but we discovered it was not at our house. We confirmed from our neighbors that they did not receive it by accident and we reached out to Crate and Barrel and XXXX. Initially they told us to give it a few additional days. It was never received but they stated it was showing delivered. We then filed a police report with the local police for a stolen product because we were also missing some other items that were supposedly delivered at that time. When we initially spoke with Crate and Barrel we provided copies of the police report. They also had us contact the crate and barrel store card who also filed an investigation and we provided a copy of the police report to them. After multiple contacts we were told to file a claim with XXXX for the stolen unit. We reached out to XXXX and attempted to file a claim. 
Case # XXXX Tracking # XXXX XXXX responded to decline the claim because according to their records the shipper must file all claims as per their agreement with Crate & Barrel. We then reached back to Crate and Barrel to advise of their responsibility to file a claim with XXXX but as far as I know they never filed the claim after multiple requests for updates from them. 

Over the last several several months we have been pushed between the Crate and Barrel company and the Crate and Barrel store card. Through out the entire experience the companies have acted as if they would help but pushed blame between each other and / or denied responsibility even though they continued to say they would help. We never received a replacement product or refund. We are not going to pay for something we never received and we know was stolen from us.
Product: Vehicle loan or lease

In XXXX I applied for XXXX  XXXX bankruptcy on a XXXX XXXX XXXX and it was granted this company has sold the debt to Jefferson capital and they have been harassing me after they got paided for the vehicle they are trying to get extra and even triple for the vehicle
Product: Vehicle loan or lease

I bought a 2015 XXXX XXXX and I was given a loan from XXXX XXXX XXXX  for {$13000.00} 28.8 % APR XXXX a month so The vehicle totaled {$24000.00}. I was told that I was able to refinance the vehicle after a year of on-time payments, after I passed my first year of on-time payments, I reached out to XXXX XXXX XXXX and I try to refinance my loan. They denied my request. I am now on year three and I checked through my banking app called XXXX XXXX to see if I had any refinancing offers because I received emails from XXXX XXXX stating I had refinancing offers waiting. I logged on to XXXX XXXX and they have 30 offers waiting for me to choose which one was best. So I chose the best one. They said that I was preapproved for these loans from various banks, the offer list XXXX XXXX gave me to choose from had monthly payment information APR percentage, total amount of loan, and all of my personal information. upon applying for the loans that I was preapproved for, I was denied each time, thus negatively impacted my credit score and left hard inquiries thus hindering my chances of refinancing my car and I still get these preapproval offers from XXXX XXXX and when I try to talk to them about my preapproval letters, they didnt understand what I was saying.
Product: Mortgage

This is the second time in three years Dovenmuehle Mortgage is threatening to buy additional flood insurance on my condo and charge me. I have twice sent them the association flood policy on the building which is at full replacement cost which includes my unit, yet I got a second notice from them last week. As with two years ago when they bought a policy in my name and then cancelled I had to complain to get them to back off. The replacement on my cube of space would only be XXXX which is what my property insurance values the interior. The ACV is more than the replacement cost of the my condo. My loan with Dovenmuehle, which they bought, is for around XXXX which is what I think they want me to purchase. This can not be done since that insurance does not cover more than the value to replace. If I were to purchase a policy, which my agent say 's doesn't make sense it would be duplicate to the Association policy. I am sure they will tell you that they are only looking after my best interest per FEMA as they did last time. They say the may charge me so I am trying to get ahead of their threats. I have had problems with them in the past on this issue and escrow. They do not service their loans well that they purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX XXXX  ... They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Product: Checking or savings account

On Friday XXXX I deposited a check my employer had mailed me. I did a mobile check deposit, a feature offer by my bank Wells Fargo. After the check was deposited, the app indicated {$400.00} of the funds were available now, and the rest will be available the next business day XX/XX/. I proceeded to make a XXXX payment using the {$400.00} funds available. On XX/XX/XXXX  when trying to make a mobile transfer to resolve an overdraft, the app indicated the transfer was not completed because I did not have the funds available, though, the funds were already visible on my savings account. I called the bank on XX/XX/XXXX  and spoke to a representative that informed me to contact the maker of the check because the check was on hold, and will not reprocess by Wells Fargo until XX/XX/, making funds available XX/XX/. I explained the check came from my employer. However, phone representative insisted that I needed to contact the maker of the check to clear up issue. I contacted my employer on XX/XX/, whom informed me the check appeared on their end as deposited and cashed. I immediately called Wells Fargo to relay the information my employer had told me and I was told the same information as Friday XX/XX/. I spoke to escalated rep XXXX, who once again repeated the same information finding no resolution to my problem, I explained the money is needed for my bills, and thanks to the Wells Fargo 's hold I was not able to deposit money into my overdrawn checking account and now I have incurred {$35.00} in fee. The representative refused to assist me, claiming there was nothing else to do. Wells Fargo has used misleading practices in the past, they have obviously not refrain from their activities. I did what I was instructed and yet I cant access my funds, now I will continue to get additional fees. How come I was able to use {$60.00} of the funds that were supposedly on hold? I want my funds release and any overdrawn fees from XX/XX/XXXX  and forward to be reversed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this XXXX complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of Identity theft. This complaint is my 3rd Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agrncies are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. with the provisions of the FCRA section 605b, I am requesting that you remove the following accounts completely from my Credit 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 XXXX XXXX XXXX XXXX XXXX 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

Unauthorized accounts appear on my credit report, likely due to fraud ; please block and remove them immediately.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, unexpected errors appeared. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccuracies remained. Because of this issue, I request that the documents I provided be carefully reviewed so I can put this concern to rest.
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint in reference to the following information that XXXX XXXX XXXX XXXX supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX open XX/XX/XXXX & XXXX opened XXXX XXXX ) Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Student loan

I have student loans handled by Ed Financial Services. On XX/XX/2022 I called customer support to get my payment towards my loan made in XXXX of XXXX refunded. I was told I would receive a refund sent to the original payment method within XXXX days. After XXXX days and no refund, I called again, and I was told that there is no estimated timeline for my refund and that I will most likely not receive it before the forgiveness application window in XXXX. I asked to speak to a supervisor to discuss the issue, and I was told that there was no one available for me to talk to. They will not give me any more information of than that I will likely not receive it for XXXX or more months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 3 alleged accounts on the credit report that Trans Union has reserved under my name. They stated the alleged debts were verified. Upon receiving their letter for the alleged accounts which were unverified. I ASKED for the procedures of how these 3 accounts were verified and furnish the documentation for the alleged accounts which to date i have not received. Trans Union have not provided their procedure or documentation i have requested. I believe Trans Union is violating my consumer rights according the FCRA. 

According to FCRA if an account is inaccurate and can not be verified it must be deleted from a consumer 's credit report. I am requesting that they delete the accounts they have on file regarding me. 
I have attached 5 exhibits of our communication through the mail detailing their disregard of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX 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

ACCORDANCE TO USC 1681a(2) I didnt give written consent 

ACCORDANCE TO USC 15 USC 1681(2)(a)(3)(ii) never received notice
Product: Vehicle loan or lease

XX/XX/XXXX I refinanced my vehicle lease # XXXX that I had with GM Financial Leasing with my Credit Union XXXX XXXX, it took 3.5 months after the check cleared for GM to release the title to the Credit union, once the title cleared I was able to turn in the vehicle tag and had the vehicle tagged and registered in my name the tags ( whihc I paid the annual cost ) were taken and I was informed that any cost would reimbursed back to GM. 

On XX/XX/XXXX I received a bill from the City of XXXX  XXXX for XXXX property taxes owed in the amount of {$94.00} which was for XXXX-XXXX  XXXX months of the tax year, I inquired prior to paying as to why I had bill as I paid GM for my property taxes ( {$560.00} - paid in XX/XX/XXXX ) and was informed that since they were no longer owner but that I was as it was no registered in my name that I had to pay the portion that the city had to reimburse back to GM for monies paid. 

as of date and my call again today I have not received the funds back that the city paid GM as my account is paid in full. I have called 3 time,XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX each time being told that they can only e-mail the Property Department and await a response as to where the finds are and when they can be released. 

At this point I do not how much even GM owes me as they also may have received a refund for the unused portion of my vehicle tags and registration, and seem to hold funds. 

All I want to know is when those refunds from City Of XXXX XXXX and from State ( DMV ) for my unused registration are going to be released and how long they legally have to hold these funds before releasing
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation! 
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.

Delete this at once! 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 Account name XXXX XXXX no account # xxxxxxxx, amount {$500.00}, XXXX XXXX XXXX no account # xxxxxx amount {$420.00} has violated my rights I at my credit report on XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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