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

This Auto Loan from XXXX XXXX Kia auto loan for a XXXX Kia is inaccurate and incomplete because I had no knowledge or should be held liable for the balance displayed. XXXX XXXX had inadequate credit and was denied an auto loan and requested that I co-sign a loan for her to get a new car ( a XXXX XXXX XXXX ). There are inconsistencies with the loan attached that make the terms fraudulent in nature and me unaware to account. The first issue is that I was submitted and listed as the primary loan applicant when I was supposed to be the secondary ( co-applicant ) for the car. The terms of the loan on file breach the terms I agreed to with Kia Motors Finance. The vehicle was being sold for around XXXX USD and as I stated I was to be added to the loan as an additional party to be held responsible for the price of the vehicle leaving the lot that day and that alone. I already had my own car and was not in need to take out a loan for another primary car when I already had a XXXX XXXX XXXX financed through XXXX XXXX XXXX XXXX. Not long into owning the car, while I was XXXX, XXXX XXXX totaled said XXXX XXXX XXXX and I as the policy holder ( her as the authorized driver ) for the car paid out a total of XXXX USD to Kia Motor Finance on XX/XX/XXXX. According to Kia Finance XXXX XXXX had a previous outstanding loan for a XXXX Kia that she owned prior to this XXXX and combined the money she owed to Kia finance under my name as the primary applicant without my consent. Not only are the terms of the loan fraudulent in nature, but I also paid the balance of the loss of vehicle in question. 
I am requesting that this item be removed from my credit report and social security number as I am not the one responsible for the principal being sought after. I never agreed or signed to be a part of this erroneous principal being reported to the credit bureaus as an auto loan charge off. The vehicle in question, that I co-signed for, was paid in full by my insurance company under my policy at the XXXX that vehicle is listed for and reported by Kia Motors as the sale price. I was not even physically present at the time of this loan as I was XXXX to XXXX XXXX XXXX XXXX at the time the loan was requested. XXXX XXXX used my information without my permission I believe to have me assume a previous loan outside the terms of the loan agreed upon for the XXXX XXXX XXXX the collection account is against. Please assist, I paid the portion I was responsible ( the original loan agreed upon ) in good faith and am a XXXX XXXX XXXX XXXX. This derogatory account has made it difficult for me to achieve financial stability and has caused me additional hardship. XXXX XXXX should be solely responsible for this charge off amount and not me.
Product: Mortgage

So in XX/XX/2018 I received Loan Modification by XXXX XXXX XXXX to sign the modification, and to bring the account current. So I accepted the modification and made the first three trial payments on time. In beginning of this month, they sent me another modification document to sign which increased the interest rate from 4 % to 5.62 %. And, also increasing my monthly payments from $ XXXX to $ XXXX, and when they tried to send me the loan modification document they tried to backdate the dates which mentioned the loan modification was taken place in XXXX of 2018. XXXX is claiming that it was a clerical error on their part but it is clearly evident it was not through out the document. 

Furthermore, they are trying to increase my interest rate so I owe them money from they months I originally signed the paperwork. They have to honor the modification which was originally signed in XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a company scales by sales a sales company. I got the job but they said I needed to pay them XXXX and I would make that money back. I took out a loan with affirm like they asked. Only after the call ended and that all happened I found out it was a scam company. Tried to disput loan and they said I cant tell after processed and the loan was going to XXXX which is not the company name idk what that is. The website is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a credit card with this company. It states opened XX/XX/2020 I didn't even have a job with any income during XXXX. I lost my job end of XXXX so no real money coming in to get a card. I have XXXX  XXXX but never ever used XXXX  XXXX or got a card from them wvver.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX A. States I have the right to privacy 15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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 or other personal consumer reports

XXXX XXXX ACCT. NUMBERS XXXX & XXXX DATA BREACH OCCURRED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX  XXXX XXXX. Please delete.
Product: Credit reporting or other personal consumer reports

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

On XX/XX/2023, I wrote a dispute letter to CRA TransUnion and mailed notification disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via certified mail via USPS, XX/XX/2023. As of XX/XX/2023, I have not received an update or response to my dispute. I checked the CRA 's website but there is not a change to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING THE FOLLOWING IN ERROR.

XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX9 CFPB Case # XXXX from Original Creditor ( XXXX XXXX ), dated,XX/XX/XXXX states that XXXX XXXX was SOLD to XXXX XXXX XXXX on XX/XX/XXXX NOT XXXX XXXX. The ACCOUNT BEING REPORTED BY XXXX XXXX since XX/XX/XXXX is erroneous and NOT MINES pursuant to the original creditor 's letter. PLEASE DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with Lendmark was paid in full on XX/XX/XXXX. The amount paid was {$6900.00} in the XXXX, VA office. 

The account was then reported delinquent on XX/XX/XXXX and I called the office at XXXX XXXX XXXX and spoke with the branch manager XXXX XXXX who informed me the acct is not reporting late and she did n't see it on XXXX. At that time I started a dispute with both XXXX  & XXXX. 

On XX/XX/XXXX I received notification that the account with from a derogatory status to a current status.

On XX/XX/XXXX I received notification that the account was closed.

On XX/XX/XXXX I received an alert that Lendmark was reported back on my credit file, acct opened XX/XX/XXXX. 

I did not attempt to call the office as the branch manager acted clueless about what was going on.This acct is closed and I have all the documentation but yet Lendmark keeps reporting different information to the credit bureau that is affecting my credit score. 

Please investigate this financial institution and coach them on better credit reporting. I should n't have to go thru this much headache when I close an account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I wrote to transunion regarding accounts reporting on my credit report that were inaccurate and/or violates the fcra. They have ignored my disputes and my request to have those accounts removed. According to the fcra they are required to delete all information pertaining to those accounts. Please resolve this as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified two reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ).

For the account ( account name : XXXX  XXXX and number : XXXX ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reported a XXXX bill to my credit report as a collection account. 
I have asked numerous times for proof of the debt and they refuse to give me proof. 
They only produced a letter with the original creditors name and an account number that does not exist. 
I have disputed with the credit bureaus and in less than twenty four hours they just come back with that they " certified '' the debt was accurate. Yet I HAVE NO PROOF! 
I HAVE NEVER HAD A XXXX  ACCOUNT!! 
They refuse to remove from my credit report. This is not my debt!!
Product: Debt collection

I was notified via my XXXX credit report a debt collection company had been notified of a delinquent account ( XXXX XXXX - XXXX ) NOT created on my behalf. I have lived in XXXX since XXXX and was notified that the address used was at XXXX XXXX XXXX XXXX, TX XXXX and have never resided at that address. I have had identify theft prior to this with another energy company, XXXX XXXX and addresses were in XXXX XXXX  and again nowhere I have resided. That was disputed and resolved accordingly. I reached out to Credit Systems International to dispute this charge and they have received all paperwork including a copy of my drivers license and my FTC letter. This account was created in XXXX of XXXX and the amount I'm currently disputing is for XXXX with a utility debt at XXXX XXXX. The account number ends in XXXX. 

I appreciate your help in this matter and have since locked my credit to ensure this does not happen again.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX  XXXX, Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion report notified me that my previous mortgage lender showed me with a 30 day late payment as shown below. However, my account was paid current and never late and was actually being transferred to another lender three months after XXXX originated the loan with me. I was then sent a letter from the lender stating that I was protected from any late payments under Federal law for 60 days while the loan was being transferred on XX/XX/XXXX. I made my XXXX mortgage payment to FBC on time and their records will show the same. They then had to send that payment to the new lender since the new lender took over the account and was not showing a payment made to XXXX XX/XX/XXXX. XXXX then transferred my XXXX payment to them to get it current and for some reason they reported the payment as being 30 days late. 
Not only is this fraudulent, but they violated my Federal protection during the 60 day transfer window. I have contacted XXXX via phone XX/XX/XXXX and they said I have to wait 60 days for it to update. This is not acceptable and is fraudulent reporting on their behalf. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : : XX/XX/XXXX Pay Status : >Account 30 Days Past Due Date< Terms : {$0.00} per month, paid Monthly for 360 months Date Closed : XX/XX/XXXX Maximum Delinquency of 30 days in XX/XX/XXXX High Balance : High balance of {$560000.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : TRANSFERRED TO ANOTHER LENDER Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OLD INFO REAPPEARED
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report from TransUnion, there are two hard inquiries. One is from " XXXX '' on XX/XX/2018 and one is from " XXXX '' on XX/XX/2018. I called TransUnion and they told me they were the same thing and " XXXX '' is just an acronym for " XXXX. '' TransUnion stated that I call the XXXX XXXX and get a letter stating I only have one account with them, in order for them to dispute/remove this hard inquiry. XXXX XXXX  confirmed by multiple representatives stating that I only have one account with them. I don't know why there would be two hard inquiries from TransUnion.
Product: Debt collection

I was contacted by XXXX XXXX XXXX on Thursday XX/XX/2018 a very detailed voicemail was left. The lady stated that she was calling from XXXX XXXX XXXX Economic Crimes Department, in her message she said her name was XXXX XXXX, XXXX ( I'm not really sure she was really hard to understand ) she said she was contacting me regarding a criminal complaint that has been filed against me in regards to stolen property, this complaint goes against my name and social. She said that it is imperative that I call her immediately at ( XXXX ) XXXX. She said that I have been legally notified in accordance with all federal and state laws and to govern myself accordingly. 

Immediately contacted this representative back, I let her know that prior to her contacting me I was working with another representative XXXX who was taking {$150.00} payments from my checking account every month and those payments have since stopped. I let XXXX know that I tried to contact XXXX after the payments stopped but the number was no longer in service. XXXX rudely interrupted me she let me know that I was in possession of stolen property and That I need to pay the total amount owed or this will go to court. I tried to explain to XXXX again that I have been trying to make good on what I owed but the other agency disappeared. XXXX repeated herself again stating I was in possession of stolen property and that I needed to pay this debt in full and that she is in the mediation department she is not a collector. Since I was at work I asked her to hold while I go to my car to speak to her privately. When I got into my car my phone automatically connected to the Bluetooth in my car. I let XXXX know that I can't pay the full balance that I can only make partial monthly payments on what I owe every month. XXXX then got extremely stern with me she told me that she did not understand why I was recording the call that it was " annoying '' she said that the debt had to paid in full she told me to get a lawyer and hung up the phone on me .... Meanwhile the call was not being recorded it was just connected to my Bluetooth in my car. 

I was in shock, I could not believe how she spoke to me. So I immediately called back the phone went straight to voicemail, I left a very detailed message sating that I don't understand why I was hung up on when I'm trying to pay what I owe in payments as appose to full payments. I never got a call back from the voicemail I left. Two days later I called and a lady answered I asked to speak with XXXX 's supervisor because I did not agree with the way the Mediation rep handled our conversation, she then placed me on hold for 2 minutes and my call was forwarded to a voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am responding to an negative item on my credit report that they have charged off, so i'm asking them to validated my signature to this letter to get this item showing is in good standing. i sent the letter out on XX/XX/2018 and they have 30 days to respond before they have violated the law and now they are calling and harassing me within the last XXXX day about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX CARD. I did again reach out to them and if they don't stop this activity I am going to my local Maryland State Police Troop XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have been reaching out to all three credit bureau to remove all unverifiable and negative information off my credit report. I have had no updates. 
Please have them update and remove the information off my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Reported Late Payments and Request for Investigation Process Explanation Dear CFPB, I am contacting you regarding inaccuracies I identified in the reporting of late payments for my XXXX XXXX XXXX  account. These errors negatively impact my credit profile, and I request an immediate investigation and correction. Below are the account details and specific discrepancies : Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$3100.00} Balance Owed : {$0.00} Credit Limit : {$2800.00} Account Status : Open Payment Status : Current Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ) Date XXXX Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Last XXXX : XX/XX/XXXX ( TransUnion, XXXX ), XX/XX/XXXX ( XXXX ) Discrepancies XXXX : Late Payments Reported : TransUnion : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
XXXX : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
XXXX : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
Inconsistent Reporting : The payment history provided by the credit bureaus is inconsistent with my actual payment records, which confirm that all payments were made on time as per the terms of the account. 
The account status remains " Current '' across all three credit bureaus, which contradicts the reported late payments. 
Supporting Evidence : I have attached copies of my payment records along with the relevant sections of my credit report to highlight these discrepancies. These documents clearly demonstrate that I have fulfilled my payment obligations on time. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Additionally, credit reporting agencies are required to conduct a thorough investigation of disputed information and promptly correct any errors as per 15 USC 1681i.

Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a detailed description of the investigation process conducted, including the steps taken to verify the accuracy of the reported late payments.

Proof of Late Payments : If the late payments are found to be accurate, provide verifiable documentation supporting this claim, including dates, amounts, and communication records.

Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to do so will be considered a violation of my consumer rights. I trust that you will handle this matter promptly and ensure the accuracy of my credit report. 
Thank you for your attention. Should you require any additional information, please do not hesitate to contact me. 
Sincerely, XXXX XXXX