23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Never owned said vehicle finance by XXXX XXXX XXXX XXXX. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1900.00}
Product: Checking or savings account

I have been with Wells Fargo since they were called XXXX and when I signed documents the fee were explained but they been over charging me taking out double over draft fee and take out more monthly service fee that was never explained to me when I open the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to get a copy of all XXXX of my credit reports through annualcreditreport.com. I was able to obtain my XXXX and XXXX reports but not Equifax. 
when I contacted them the representative stated they were unable to provide me with a copy of my report because a previous creditor had used my middle name and they needed me to provide them with proof of my identity. I emailed them a copy of my card and my state-issued driver 's license. 

I received a letter from them stating they are still unable to provide a copy of my credit report for one of the following reasons : I have not applied for credit recently, I haven't actively used credit in the past 10years, or I haven't lived in the US or I do not have a SS card All of the above reasons are incorrect. I have provided Equifax with the means to prove all of the above. It is my assertion that they did not exercise due diligence regarding my case.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Vehicle loan or lease

I purchased my vehicle from XXXX XXXX XXXX XXXX and got the loan through Wells Fargo. They added double gap insurance on my vehicle and added other random charges to my loan. I have my own gap insurance and I have tried to get them to drop the gap insurance since I purchased the vehicle in 2020. Both Wells Fargo and XXXX of ft XXXX have not resoved the issue. I got behind on my payments because they are {$640.00} a month. They tried to charge the payment to my bank account three times in one day and then told me i can no longer make payments through my bank account. Then they locked me out of my account to make it harder for me to make payments. I have since threatened to file a complaint with CFPB they said they were restructuring my loan. I didn't hear anything back from them for 3 weeks so I Finally called then and they said they were trying to get a hold of me and sent emails but this is not true. All I want is to be reimbursed for all the years I was paying for the gap insurance.
Product: Payday loan, title loan, or personal loan

I called the loan company ( LoanatLast ) ( XX/XX/2019 ) because I had two payments ( {$98.00} ) each taken out of my account within two weeks. After asking a few questions I was informed that I am paying interest 675 % per day on the initial load of {$750.00}. This amounted to approximately {$95.00} of interest per day. I ask for the payoff and it was XXXX as of today. I did pay it off over the phone. My complaint is that no place in the contract does it state that interest was charged by the day.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Enhanced Recovery Company is falsely reporting the original date of delinquency for this bill as XXXX. XXXX refused to correct this when disputed in both XXXX and XXXX. The original date of delinquency was actually in XXXX, and should have fallen off of my credit report by now per Section 516.120 Revised Statutes of Missouri. I have images of the last payment date as noted on my XXXX account, and the following warning email saying that it would be sent to collections. No payment was made after the last payment date represented in these images XXXX XX/XX/XXXX XXXX. The images captured were taken from my XXXX account and XXXX account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

These debts is considered a charge off. However, this actually considered income because I should have received a 1099c in order for this account for income. This is not a charge off I'm requesting this is removed because it's not debt. This is considered income and income should not be reported on our credit report. It is inaccurate and it have to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a voice mail on XX/XX/XXXX @ XXXX XXXX  from caller ID # XXXX directing me to contact them ( the Issuing Office ) TODAY regarding a civil complaint at phone # XXXX. I contacted them at XXXX XXXX  and a young man with a slight accent answered. I could not understand the name of the company because he spoke so fast. He explained that they were a company hired by other companies for civil matters like child support, liens, mortgages, etc. and seemed very concerned that I understand that it was " nothing criminal '' that they were pursuing me for. I was given a reference # XXXX in the initial voice mail. He asked for that. He pulled up the file associated with the ref number and had my current name, address, DOB AND SS #, which I was asked to verify. He then told me that I had a Bank of America credit card with {$5000.00} ( I don't remember the exact figure, but it was a bit over {$5000.00} ) still owing on it and that the bank had turned it over to him for collection or prosecution. He said I ignored their letters ( I never got any letters ). I advised him that I have do not bank at Bank of America and can not recall when I ever had, and that I HAVE NEVER HAD A CREDIT CARD IN MY NAME IN MY LIFE! He stated that the card was " opened '' in XXXX and that it was open for either 16 months or 60 months ( hard to understand ) and that payments had been made but suddenly stopped. I again told him I never had a credit card of any kind, and that there wasn't a Bank of America near me. He proceeded to tell me of all the things they could do to recover the credit card balance, including liens, legal action, seizing property, etc. I told him again I never had a credit card ever and that we could go to court over it. He stated that, yes, we could do that but that with the overwhelming abundance of evidence they had against me I'd lose and that the judgement would be in the area of {$10000.00}. I kept repeating, " Let 's go to court ''. He stated that he'd get the process started. I asked, " When will I be served? '' and kept repeating " when will I be served '' while he tried to tell me about the consequences of going to court. He finally gave up, hung up, and went away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, ( CFPB ) alleges that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files. Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

for the last month I 've received in the area of XXXX phone calls a day from capital one auto-finance ( XXXX ) asking for someone by the name of XXXX. this is not me. I have told this to them at least 20 times. they still refuse to stop calling me. it is taking time away from my employment and costing me money. is n't there a law in place to protect people from harassment from these companies. any help with this matter would be much appreciated.
Product: Mortgage

This is a complaint that is referring to a previous complaint # XXXX. I could n't find any way to update my original complaint, so I had to make a new one. In summary, my husband and I were given a letter by XXXX early in XX/XX/XXXX that our property taxes from XX/XX/XXXX were not paid through escrow by our mortgage company, Carrington Mortgage Services , LLC . We immediately informed them and asked them to pay so we would not lose our home to the auction process. 

By the end of the month, Carrington still had not paid, the deadline had come and XXXX XXXX was ready to start the auction process, so we had to use our savings, scrape together the money to pay the taxes ourselves. We then requested ( through writing/fax on XX/XX/XXXX ) that Carrington immediately refund our money. This is the money THEY should have originally paid through our escrow in XX/XX/XXXX. 

When I called today to ask about our refund ( now three weeks after my first request ), I was told that they must complete an 'Escrow Analysis ', and that they need 15 days to figure out if I am to receive a refund. This is ridiculous. They are making it our fault that THEY messed up our escrow account and did n't pay our taxes. We almost lost our house and are out {$2100.00}. Which we are just trying to get back. A year ago they bumped up our mortgage payments an extra {$250.00} a month to 'pad ' our escrow account! There is something wrong here. Very wrong. 

We just want our money back. If we were to have a family emergency, we would n't have the money now because we had to use it for this. 

I am attaching documents showing the delinquent tax bill. My proof of payment. As well as XXXX escrow documents sent to me by Carrington. One from 16 months ago, which I believe to be a 'falsified document ', showing that the tax was paid, and one that I requested last month showing that in, fact, the taxes were NOT paid in XX/XX/XXXX out of the escrow account. 

Please help us get our tax money/savings back. We always make our payments. We believed our taxes were being paid through escrow. We have done nothing wrong to deserve this.
Product: Student loan

I had submitted a complaint against the Department of Education that they had refused to discharge my student loan debt, to date this has not been done, and Nelnet has assessed an enormous amount of interest on a loan that should have been discharged in XXXX of this year, I have contacted all partied involved, the Department of Education, the XXXX XXXX line as well as Nelnet and I keep getting the run around, in my last complaint I got a letter from XXXX that all of student loan balance has been discharged, both XXXX and Nelnet are official servicers of Federal Student Aid, if XXXX was notified by the Department of Education that my student loans should have been discharged then why isn't Nelnet discharging my student loan debt, reimbursing what I have paid, and also Nelnet is making pay XXXX per month. The ball dropped somewhere and I do not care how this gets resolved but this needs to be resolved and my student loan debt needs to be resolved and discharged as it should have been almost 5 months ago, the fact that one servicer say that my student loan servicer says that my loans are discharged and another continues to charge me on loans that should have been discharged is absurd, I have not had loans with different servicers these are the same loans that have gone for one reason or another from XXXX, to Great Lakes and then to Nelnet, I have not gone to more than one school, I have only gone to XXXXXXXX XXXX  and have proven my borrower defense to repayment and therefor my student loans should be discharged why this has not happened is beyond me
Product: Credit card

This will be my last complaint. To my understanding, when applying for credit we add our social security numbers for identification purposes. On XX/XX/2024 I submitted a complaint because of the initial unlawful denial of credit from American Express National Bank. The complaint ID for that is XXXX. On XX/XX/2024 I submitted another complaint XXXX in regards to the response from American Express stating that they denied me based on factors from another persons credit file, which is still XXXX  against me. They have attached records that do not pertain to me, which is now evidence I am still being unlawfully discriminated against.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX 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 am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report XXXX XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Initially I had a hard inquiry on my credit report from XXXX XXXX on XX/XX/2023 when someone used my identity to try to start a line of credit with them. I was able to speak with XXXX XXXX and after a few weeks they sent me a letter stating the application was fraudulent and they would be sending out a letter to the credit bureaus requesting deletion. After this happened I put a credit freeze and fraud alert on all 3 of my accounts with the credit bureaus. Now on XX/XX/2023 the name of the inquiry has changed to XXXX XXXX XXXX XXXX NC, it has the same date as XXXX XXXX  and everything. Soon as XXXX XXXX sent me the letter stating it was fraudulent the name of the inquiry changed but with the same date. I dont know how this company magically appeared on my credit report when I have it frozen and a fraud alert on it. It only showed up on my Equifax and XXXX as XXXX had removed the fraudulent hard inquiry from XXXX XXXX XX/XX/2023. XXXX not sure why a new name is popping up on my inquiry list for the exact same date. I spoke with the XXXX XXXX XXXX XXXX in XXXX NC, and a guy named XXXX, the finance XXXX said they hadnt pulled my credit and I wasnt in their system, yet theres a hard inquiry on both my Equifax and XXXX stating otherwise. He told me that he couldnt give me a proof of deletion letter as that would be admitting they pulled my credit when they didnt. Yet theres is proof that I showed them via email, where their companys name is on my credit report under hard inquiry. I have not given this company or any company to pull my credit. I am not sure what is going on, I thought everything was handled when XXXX XXXX sent me the letter admitting it was a fraudulent pull, now this inquiry has popped up 3 weeks later but with the same date as the XXXX XXXX XXXX XXXX XXXX but now the XXXX XXXX inquiry is manically disappeared with no letter from either credit bureau stating a removal, only thing happened was a change of name.
Product: Payday loan, title loan, or personal loan

I received a piece of mail from Discover Financial about a personal loan. At the time my income was low and my credit score was very high. I thought it would be a good idea in my time of struggle when my business wasn't making a ton of money. I called the number on the mail on XX/XX/2019. I talked all the way through the process with a representative who was very nice. When it came down to the end she ask for my tax returns. Unfortunately, I left my corporate job 3 years ago to start my own company and we've reported a loss in our first 2 years of business which reflected on my personal tax return. We could not complete the loan, but I was still issued a hard inquiry. If we would have spoken about my change of income beforehand then we wouldn't have spend over an hour on the phone and I would have never had a hard pull on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid over $ XXXX on XXXX card and over $ XXXX on another, wiping out all my savings/spending potential to pay back my debt to Citi , but then they added an interest charge to the then current balance that 's been backdated to my now current minimum payments on both cards : XXXX costs {$89.00} and the other probably half that.
Product: Credit card or prepaid card

Citi/XXXX cards is 6 months past due and according to company the debt has been charged off. The last statement received had a due date of XX/X/17. I called the company before the due date to request a payment solution as stated on the statement. The company representative stated during the call that there was nothing they can do with the account since it was under review. Apparently, during a review Citibank will not discuss payment solutions or even take a payoff over the phone or web. My only option was to send a check to a company address and hope for the best. I escalated to a manager to speak with internal contacts. They refused to provide contacts to assist with a payoff plan in order to have the issue settled before the due date. I can provide the statement as backup to this complaint. I do not think an account should be locked out and possibly sent to an collection agency if the customer is seeking to resolve the issue at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX****-Balance {$7300.00} XXXX XXXX  XXXX {$2300.00} XXXX {$0.00} XXXX XXXXXXXX****-Balance {$7000.00} XXXX {$0.00} XXXX {$53.00} XXXX XXXX {$970.00} XXXX {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$2100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX {$0.00}