23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I walked into XXXX XXXX to obtain credit for a new living room suite . The young lady did tell me it may take a few days to get the merchandise due to the coronavis, I was ok with that. On or around XXXX XXXX I contacted the warehouse to find out about the merchandise I was told it was not in and i should just wait for a phone call. I then contacted XXXX on or around XX/XX/2020 to cancel my contract it was then they tried to contact the warehouse about the furniture i purchased and they couldn't get in touch with anyone. From XXXX  i was told i had to wait on someone to contact me about my account. I was contacted on XX/XX/2020 but i was unable to accept the call i was at work. I called on XX/XX/2020 to cancel again and they still tried to contact the warehouse to no avaliability. So on XX/XX/2020 I just wanted to cancel my account completely and go elsewhere. I was contacted by the warehouse and was told that i could have picked out another suite or something differet and it wasnt her fault that my suite hasn't been delivered and won't be deliver until XX/XX/XXXX to the warehouse. So i told her noone contacted me until i wanted to cancel my order. So she says it's 25 % to cancel and I'm like 25 % to cancel and I never recieved anything not even a phone call to keep me in the loop about my order? That 25 % they want me to pay to cancel could have went to the purchase of the XXXX XXXX I have XXXX kids and I can't afford to give and extra 25 % for something that we can even sit on that is crazy and absurd. I have never dealt with either company but i will not recommend friends, or family because this business practice is unacceptable and unorthodox if i have to wait 3 months for merchadise that i had to pay {$50.00} upfront for I could have went somewhere else less complicated and less money hungry.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX and this is my second complaint my car was repossessed on XX/XX/2021 at XXXX in front of the homeless shelter that my family and I stay. When I found out about the repossession I was told that I could not get my vehicle back even when offered to pay the full balance. First Texas Auto Credit has not made any adjustments to help with payment my family and I. I have mailed them affidavit of their violations. And they still repossessed my vehicle, Even MrXXXX XXXX XXXX one of their reps XXXX was very rude even sighting that we are homeless and I dont know nothing about this business. Their actions is atrocious and unprofessional, because the same position that my family is in due the current pandemic can also happen to him Mr. XXXX. I am demanding my vehicle back, with the title because First Texas Auto Credit has made several violations according to XXXX. And cause major pain and suffering to my family and I.
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/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. These account number Account Number : XXXXare not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm knew to the credit bureaus I'm still learning about it. I did apply do self visa but did not I was approved
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the results of my initial dispute and request for the removal of charge-off accounts from my credit report. Despite my previous efforts and the passage of a reasonable amount of time, these accounts remain on my credit report, negatively impacting my creditworthiness and financial well-being. As a result, I am filing a formal complaint and requesting that the credit reporting agency takes further action to rectify this matter. 

I initially disputed these accounts, providing comprehensive documentation that supports my claim that these accounts were inaccurately reported. Despite my efforts and the legal requirement for accurate and fair credit reporting, these accounts have not been corrected or removed from my credit report. 

I would like to highlight that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these charge-off accounts continues to damage my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these charge-off accounts, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the disputed charge-off accounts from my credit report promptly, as required by law, if they are found to be inaccurate or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these accounts, and a written explanation for any accounts that were not corrected or removed. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$250.00} I will not stand for this level of incompetence from your company. It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy otherwise remove this from my credit file. If you fail to do so, I will not hesitate to take legal action against your organization. 

XXXX XXXX  Balance : {$8700.00} I need to dispute charge off accounts that are still being reported on my credit file with still has a balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Product: Debt collection

I was contacted several months ago to take care of a debt that I owe. I reached a debt settlement. However, I never received a debt settlement letter. I have made repeated attempts to retrieve such letter. I have been told that a letter have been sent out, however, I have not received any such letter. Every month, money is being deducted from my account. However, I am not sure that the debt is actually being paid off.
Product: Credit reporting or other personal consumer reports

Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Chase has allowed an unauthorized inquiry on my XXXX and XXXX credit reports that i want removed. Attached is a word document which is the exact letter i printed out and sent to Chase via certified mail today to an address that is found on their website. I let them become aware of what it is i want and the current situation. In the letter i also let them know that i would be copying the cfpb so it would force them to respond. Thank you!
Product: Debt collection

In the past 2 and a half months I have received numerous phone calls and two letters from Wakefield and Associates debt collection agency stating that I need to send them {$3800.00} for a debt owed to a company named, XXXX XXXX XXXX, XXXX. They request funds be sent via check, money order, credit card, or bank draft. 
I do not have any debt, and have never heard of either of these companies. The last loan I took out was in XXXX for a student loan. That was paid in full 45 years ago. 

I obtained credit reports from three reporting agencies and there is no debt listed on any of them. 
I am attaching two letters received from Wakefield Associates. The first letter is dated XX/XX/XXXX and the second letter is dated XX/XX/XXXX. 
On XXXX, XXXX, I sent a letter to Wakefield and Associates refuting any debt and informing them that I believe this is an attempt at identity theft or a scam. As of today, they have not responded. 
Starting last week, I began receiving calls from a number identified as XXXX XXXX. I have not answered any of the calls and have blocked whatever number they call from. The number keeps changing but the Caller ID says XXXX XXXX. I looked them up online and they are another debt collection agency. I am XXXX years old and believe this is all an effort to get my personal identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

AAG dodges a simple question which does not lend credibility to a company who claims to be professional. The question is very simple, Where is it stated in in FCRA Section 604, that allows for verbal permission to access credit? In AAGs attached reply to my complaint, they claim they had appropriate permissible purpose under FCRA Section 604, per recorded verbal approval to complete the credit inquiry. AAG also claims their process has been thoroughly vetted and meets all applicable Federal and State requirements. AAG further claims my desired outcome of the application was the reason I am filing the complaint. This is not true. But AAG dodges the question and refuses to answer.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXX XX/XX/2023 XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00}
Product: Credit reporting or other personal consumer reports

" 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! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$6300.00} XXXX 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: Debt collection

I am writing regarding a concerning matter on my credit file. I have noticed a collection entry from your agency, which I was not previously informed about. Additionally, I have serious doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I have the right to request validation of this debt. I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed the following items on many different occasions and I still have not gotten a response yet. It has been more than 60 days since my dispute and nothing. So I am asking you for your assistance in getting the following items removed from my credit file. 

Incorrect Names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX, XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) Incorrect Address : XXXXXXXX XXXX XXXX and XXXX XXXX ( Equifax ) the following late status is incorrect : XXXX - I was never 30 days late in XX/XX/XXXX XXXX. XXXX Loans - I was never 90, 120, or 180 days late from XX/XX/XXXX- XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX XXXX. XXXX Loans- I was never 90, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX or XX/XX/XXXX - XX/XX/XXXX XXXX XXXX - I was never 30 days late in XX/XX/XXXX XXXX- I was never 30 days late in XX/XX/XXXX XXXX  - I was never 30 days late in XXXX - XX/XX/XXXX ; XX/XX/XXXX The following items do not belong to me ( Fraud Account ) - XXXX  XXXX ( XXXX And XXXX ) - Bal : {$1600.00}
Product: Debt collection

XXXX til XXXX incurred debt wIth XXXX now known as Navient fro private student loans. XXXX XXXX and XXXX XXXX Tried to resolve issue today XX/XX/XXXX with Navient customer service rep in regards to private student loans. Navient rep stated to me that I owed {$150000.00} in private student loans and proceeded to give me the colleges and amount taken out. Which I wrote down for my information. He then stated that I have never made an attempt to make a payment when one of my co signers stated he did and it was taken care of. Navient rep proceeded to ask me why I never made payment and I told him why and he made a statement of we don't care and this a substantial amount you owe so all we want is our money and you need to pay {$250.00} per month. I told him I could not afford it at this time due to health issues and he basically told me he doesn't care nor does Navient, and Navient wants their money. He also made a statement of if you don't take care of this today and keep ignoring us you will have consequences and basically be put in a corner you will not like and have to abide by our rules. Remind you I called them today to try to resolve the issue. He the proceeded to tell me my cosigner will have to sign a waiver which he did not explain what it was for and also said cosigner will have to pay XXXX to resolve the issue then I can be put on a payment plan of {$250.00} per month. and that was the best he could do. He also insisted that I call my co signer. I asked him if there was any program that would assist me in paying them back and his answer was you have to make the {$250.00} payment you have no other choice. I did asked on multiple occasions during the phone call about the Navient programs with loan repayment and the rep ignored me and proceeded to threaten me. I did also ask him why I didn't see the private loans on my credit report and his answer was those are federal so it has nothing to do with us. He also lied to me, the borrower about requirements for releasing co-signers on their loans so I could take care of my loan with out explaining the details and leaving me in disarray and fear that I would be sued due to no compliance when I did ask about programs offered for lower income families. He was rude and adamant on me paying the $ XXXX/month and calling my co signer to pay the {$5800.00} before any one would help me out with my private loan. He then proceeded to threaten me again about not paying my loan and belittling me. I received no solution to the issue but threats and lies.
Product: Credit reporting or other personal consumer reports

My identity was stolen a few days ago. The criminals registered a business under my name in VA and opened two lines of credit which showed up as 2 hard inquiries on Equifax. One is XXXX on XXXX, the other is XXXX on XXXX. I did not apply for these lines of credit. I have already reported this crime to police department, state attorney general, and FTC. I have contacted XXXXXXXX XXXX who confirmed this illegal activity and the existence of a fraudulent credit card. I asked Equifax to dispute these 2 inquiries and for them to be removed. However, in under 1 days time Equifax closed the case and refused to remove these fraudulent hard inquiries. I do not believe any investigation was initiated on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

To LexisNexis XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX - XXXX Telephone : XXXX Re : Consumer Number XXXX XXXX : Case Number XXXX Please note I have accessed my Lexis Nexis report online. I wish to report a discrepancy for XXXX vehicle claim mentioned on the report. 

Record 8 listed for XXXX XXXX  XXXX with following details : Claim Number : XXXX Claim Disposition : Closed Claim Amount : XXXX  Claim Type : Collision Claim Number : XXXX Claim Disposition : Closed Claim Amount : XXXX Claim Type : Rental Reimbursement This is not correct information on your records. XXXX XXXX XXXX provided their opinion on this claim which differs mine. The fact was that the vehicle was scratched by another vehicle while it was unattended and stationary in a parking lot. No one was present inside the vehicle at the time of the incident. We requested XXXX insurance to do a reading on our Vehicle computer that they did not do. My XXXX  driver record is clean as this was no fault of mine. XXXX reports are attached. 
Please request proof of my fault for this incident form XXXX before deciding it as my fault. XXXX does not have any such proof as it was a parking lot incident when I was not present inside the vehicle and vehicle was stationary. Therefore my driving record is clean as shown on DMV records. It is merely an opinion by XXXX that they did not take the incident as one claim whereas the truth is that it is one claim. 
Kindly rectify this error on my report and inform XXXX XXXX urgently as this is effecting my life during pandemic that is already been going thorough hardships. 
Thanks XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX
Product: Bank account or service

Wells Fargo closed and account that at I had due to pay day loans that were not submitted by be. When they closed the account they placed some type of alert on the account keeping me from banking with them or their affiliates. In addition, I had an open identity theft case in Oregon and had went through a divorce that ended in my ex husband going to XXXX for fraud ; I am not sure if he or my sister who also used my information fraudelantly who also XXXX for the same thing and same charge. Since their releases from XXXX I have not been able to have a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account information I have listed below was not handled properly due to XXXX XXXX, Transunion being non-compliance and being in violation of the FCRA.
Product: Bank account or service

I have CDs with Sallie Mae Bank. XXXX CD matured XXXX/XXXX/17. I received no notification by mail but representatives insist I was sent an email. In reviewing all accounts for federal tax preparation I found XXXX for many accounts except Sallie Mae which must be retrieved online only. In retrieving XXXX I noted a CD matured 11 days previously and called Sallie Mae the first day it was open after the discovery. They simply say their policy is to have email only notification which one must agree to when establishing an account and since I contacted them at 11 days instead of the 10 day window I had no recourse except automatic renewal or pay a 3 month interest penalty. I understand policy but although I get a monthly email that says log in for account update I find no email showing renewal information plus a monthly repetitive email with the same info would increase the liklihood of missing an email with something of real importance such as maturing CDs. Even so I find email only policy inadequate and unfair to seniors who are more comfortable receiving paper renewal. In fact, I deal with numerous online banks and find this one to be the only bank I have refusing paper notification of maturing CDs.