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

a vehicle was reposed and sold and company is asking for even more than its value. the vehicle was already paid
Product: Checking or savings account

Vystar had a scheduled 2 day outage now going on 8th day no way to check account XXXX XXXX deposits not going through and they have no answer
Product: Student loan

In the fall of XX/XX/XXXX I was attending the XXXX XXXX of New York. I became ill shortly after the semester began ; and per doctor 's order, I was ordered to rest at home for two weeks. I notified the school immediately and went home to XXXX to recuperate. The first week home I received a phone call and was told I could not return to the XXXX XXXX due to my missing two weeks of school. I offered to do any school work at home and was denied this opportunity. I literally begged to be able to do the class work from home but still denied. I asked for the loan disbursement of approximately {$6000.00} be returned to XXXX XXXX, my private loan lender at the time, and the XXXX XXXX refused. Over the years I have made occasional calls to XXXX XXXX, now XXXX, which were of no help to me. 

Since the XXXX XXXX of NY closed in XX/XX/XXXX, I was told to contact Dream Center Education Holdings ( parent company of XXXX of NY ) which I did. Again, no help to me. I was told to contact a CPA firm  in Pennsylvania who is handling the bankruptcy of Dream Center Ed. Holdings. Can someone please help me get this {$6000.00} loan discharged or forgiven?
Product: Credit card

When I make a payment in full to my Apple Card, my payments are being credited, and not posted for over 7 days. I had two payments returned on 2023 during a time when our XXXX  daughter was having a XXXX XXXX XXXX. Since then I have not had any payments returned. Goldman Sachs is not willing to provide hold policies or release my payment. I believe I am being unjustly impacted. I have used the same bank account for our payment and have not changed it.
Product: Credit card

I am writing to report potential violations of the Fair Credit Reporting Act ( FCRA ), particularly under Section 623 ( a ) ( 6 ), concerning inaccurate and unverifiable information reported to credit bureaus. I request the investigations and take corrective action.

Section 623 ( a ) ( 6 ) requires data furnishers to report accurate information and investigate disputed data in good faith. Failure to correct or update inaccuracies is noncompliant with the FCRA. Additionally, under Section 611 ( b ), if a consumer disputes information, credit bureaus must conduct a reasonable investigation and remove any unverifiable data.

I respectfully urge an investigation and ensure compliance with FCRA standards. I expect these inaccuracies to be addressed promptly in line with my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XX/XX/XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( XXXX ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX and XX/XX/XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the 30 day late payment marker on my credit report by XXXX should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my XXXX mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from XXXX that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that XXXX has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case XXXX did not get my statement out to me on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove this FRAUD ACCOUNTS ASAP!
Product: Vehicle loan or lease

I have a lease that is on auto payments and the payments were supposed to of been deferred because of a hurricane in our area. One car was deferred but they didnt defer the other on and the payments starting coming out after the payment was due. This started in 2018. Chase has admitted it was their fault about the deferment but they said they cant do anything about the late payments. This has affected my credit in a big way and needs to be fixed asap.
Product: Debt collection

Written letters of cease and desist dated XXXX, and XX/XX/2023.
Product: Mortgage

We just received the XXXX XXXX dollars that Citimortgage was ordered to pay home owners that were requesting help with their mortgage. We applied for HARP in XX/XX/XXXX, however we had requested help from Citimortgage two times prior, between approximately summer of XX/XX/XXXX and summer of XX/XX/XXXX, before receiving HARP in XX/XX/XXXX. Both request were denied without any financial review. Our mortgage was XXXX monthly before we were awarded the HARP, XXXX after the HARP was awarded. Are we legally entitled to compensation for the prior denials? Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account with Equifax for showing it Charged Off over and over and they continue to report false information and continuously change and update the information. This is falsely manipulating the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2700.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}
Product: Vehicle loan or lease

XXXX XXXX,2019 reliant financial has a tow truck man repossessed my car at my home address the loan should be closed on my credit report now since they have there vehicle back they are a shady company I was paying XXXX a month not the XXXX that the loan was for they raised that price 10 days after I got the vehicle anyways they had the car repossessed they have the car now I want it to say closed on my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit reports from XXXX, XXXX and EQUIFAX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XX/XX/XXXX and XX/XX/XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request that you take immediate steps to eliminate the unauthorized inquiries on my credit report, which are causing me considerable distress.
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ATTN : EXPERIAN TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE UNAUTHORIZED FRAUDULENT HARD INQUIRIES IM UN AWARE OF THEM THIS IS CLEAR IDENTITY THEFT I HAVE DISPUTE THESE HARD INQUIRIES IN XX/XX/year> AND EXPERIAN HAS DONE NOTHING TO REMOVE THEM IF EXPERIAN DONT REMOVE THEM, I WILL GET A COURT ORDER. ALSO, IM ASKING FOR {$33000.00} TO BE MAILED TO THE ABOVE ADDRESS OF MY HOME. PLEASE VIEW FTC REPORT FOR ITEMS REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTERANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recently went through a VIRRL loan on our current mortgage with the Intercontinental Capital Group ( ICG ) out of XXXX NC. Our loan officer was XXXX XXXX and was pleasant throughout the process, but was making promises he did not keep. Aside from being mislead on what to receive back from our current escrow account at closing ( XXXX stated approximately {$3300.00} would be returned to us, we received only {$1400.00} ), and inflated title fees that were more than agreed upon ( we agreed on {$900.00} total, but at closing, the fees were over {$1100.00} ), XXXX assured us that he would have XXXX XXXX XXXX ( XXXX  ) service our loan as the lender after we close. My wife and I had expressed our concern about this issue out of the gate, stating we wanted to go with a VIRRL group that could put our mortgage in the hands of XXXX XXXX or XXXX. XXXX informed us that XXXX XXXX would require us to lock in at a higher percentage rate, but we could use XXXX with the current rate being offered. We had a phone call with XXXX, and he seemed to forget this detail, said our loan was being transferred to XXXX XXXX, and that he would see what he could do about getting it over to The XXXX XXXX. But at this time, he stated he doesn't have much say in this area, after he previously promised us that our mortgage would be serviced by XXXX. We copied his VP, XXXX XXXX on follow up emails to XXXX, but have received no response since. We started this process in XXXX of 2020, and closed on the loan in XXXX. After learning that our mortgage was acquired by XXXX XXXX, our initial research of the company shows that it has very poor reviews. So now we are left in a position that we tried to avoid from the start. We were promised The XXXX XXXX, and we were placed with a poorly rated mortgage company that we never heard of until we found out they acquired our loan. We are very disappointed with being mislead on several issues, the most important being the mortgage company that would acquire our loan. Had we known this, we would never have proceeded ahead with ICG for our VIRRL needs. I believe ICG should be held accountable for making promises that they never intended on keeping. Now that their business is concluded on their end, they have shown no desire to reach out to us or email us back to address our concerns. I am a proud XXXX XXXX veteran that is ashamed of being mislead and taken advantage of by a company that supposedly has authority to manage VA and VIRRL loans. Their best interest is in their bottom line, and when the closing is final, it is quite apparent. I would urge all of my fellow veterans to stay clear of ICG. If your company is going to support lying and misleading clients to close a deal, in my opinion you should have no right to be a VA loan lender.
Product: Consumer Loan

Best Buy Citi Card has been charging me for debt protection for almost five years. I was not aware I was being charged for this service until I took the time to review multiple past statements. I do not recall every signing up. I called Best Buy/Citibank ( it 's never clear who is who ) and was given the run around. I was handed off from call center to call center : XXXX to XXXX to XXXX to XXXX back to XXXX. The level of obfuscation and time wasted is breathtaking. I would like a full refund.
Product: Debt collection

They have called every day started at or before XXXX XXXX  and have called my mom and my place of employment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

DEAR XXXX XXXX XXXX ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

My latest credit report shows accounts I didnt authorize. Please block and delete them from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a CFPB complaint against Equifax regarding the XXXX XXXX, 2017 loss of consumer data in which I have been identified as a potential victim.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, 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 accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] are not complete and accurate. 

And XXXX 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. 

Check the attachments below.
Product: Credit reporting

I want my bankruptcy removed from my credit report. I have satisfied the time limit of it being on my credit report. I would like it removed please.
Product: Checking or savings account

we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

company- Affirm ; Reporting incorrect information on XXXX Credit Report. 
Account says is a collection. 

company- XXXX XXXX Reporting incorrect information on credit reportin. 
Account says- its a collection
Product: Credit card or prepaid card

1 ) Credit Card Company - " GAP Silver Visa Card '' - " Synchrony Bank '' abruptly closed by Credit Card without giving any prior notice / call / email. Also reason for account closure given by bank ( as per below point # 3 ) never mentioned or discussed by agent earlier 2 ) Bank Closed my  card/account around XX/XX/XXXX to XX/XX/XXXX and I tried to use that 2-3 times during that week to get - a. XXXX XXXX XXXX XXXX ( For my family member who suffered from XXXX XXXX in month of XX/XX/XXXX ) b. Grocery Items c. other important stuff d. Also account closure impacted me heavily as this card is linked to my Car Insurance/Kids Day Care Fees/ Online Shopping Website etc. 3 ) After contacting to Customer Care ( Telephone ) - 2-3 times between XX/XX/XXXX- XX/XX/XXXX - they gave me unacceptable reason of closure of credit card. Reason I 've got == My Bank - which is holding my Checking + Saving Account has been rejected 2 Payments for Month of XX/XX/XXXX ( for Amt. - {$5000.00} ) and Month of XX/XX/XXXX ( for Amt.- {$1000.00} ) 4 ) When I checked my credit card account balance - it was showing balance - {$490.00} as of XX/XX/XXXX with Due Date XX/XX/XXXX - and I 've cleared that balance on same day. I requested Synchrony Bank to reopen by account as it could be some issue with my checking account during that time and those payments were already processed with balance of {$550.00}. Not sure why there was difference of some $ with respect to due amount - {$490.00} as I did final payment of {$550.00} on XX/XX/XXXX.. FYI - Current Outstanding balance is XXXX ( As of XX/XX/XXXX ) 5 ) If Bank is not able to re-open my account then I requested them to Transfer or Adjust my Cash Reward Points which was around {$400.00} as I am using this Card for approx. 5 Years i.e. from XX/XX/XXXX..Also my Credit limit was {$9300.00} and always used this Card for all type of purchase with full utilization ; which has benefited synchrony bank 6 ) I 've got very un-professional answers and they informed - their software system is not having account reopen feature and it 's impossible to re-open account & adjust my cash reward. Also I understood that bank does not have email id / digital process / telephone process to log complaint or reach to any senior person 7 ) I was most valued customer for last 5+ year with Credit Score XXXX and still bank is not able to re-open or adjust my cash reward points. We loved GAP showrooms and we would like to continue shopping there via GAP cards but after this kind of treatment we need to stop the GAP shopping.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and refund advantage. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.
Product: Credit reporting

There is old outdated credit on my file when I dispute the information Equifax just updates information does n't accurately dispute the information I do n't believe it even does to the creditor who is reporting. Since I joined the credit monitoring program my score has gone down significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax data breach, I went on their website and tried to freeze my credit Then, I tried freezing my credit on Equifax 's website but it does n't work, the page shows an error message. When I called Equifax, the agents ( XXXX, reference ID XXXX and XXXX, who refused to provide her information and was rude ), were n't able to freeze my credit and refused to provide me the phone number for Equifax in order to do that.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw inaccurate information on my report