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

I purchased a XXXX XXXX XXXX in XXXX from US Auto Finance. I purchased XXXX XXXX along with the policy. I was never late on a payment. I had XXXX deferments due to repairs on the car. In XX/XX/XXXX, the car was a total loss due to no fault of mine. XXXX was the other parties insurance company. I notified US Auto Finance of the total loss on XX/XX/XXXX. I was told that the payments would be put in deferment until paid off. XXXX sent a check for {$9500.00} on XX/XX/XXXX. I contacted US Auto to ask that they process the XXXX  claim on XX/XX/XXXX. I was told they would process the XXXX claim 90 days after they received the check. During this 90 days they have failed to post the check to my account, instead they posted a late payment to my credit report on XX/XX/XXXX and still haven't stopped charging interest on the balance. So they are purposely waiting 90 days to get another 90 days worth of interest fees and are posting to my account late payments after receiving a check for {$9500.00} for my balance. They have failed to send the title to XXXX for the total loss claim. US Auto have also failed to update my credit report of the {$9500.00} payment. My credit score dropped by XXXX points due to this false reporting of a late payment. I have been working on my credit reporting after XXXX XXXX which is why I had to purchase a car from US Auto. Since this time I have NEVER MISSED A PAYMENT WITH ANY OF MY CREDITORS AND MY CREDIT SCORE WAS XXXX NOW DROPPED XXXX POINTS
Product: Debt collection

Synchrony Bank started harassing me in XXXX. First they sent me certified mail multiple times, which alerted my mom of debts and was very humiliating. They were also calling me numerous times a day. To put a stop to it, I sent a cease and desist out, yet the calls continued a short time after. 

I still have a copy of certified mail from XX/XX/XXXX. If they provide my messages and with phone logs, I can prove they called me after the cease and desist. 

Later on XX/XX/XXXX I received a letter threatening suit, from XXXX XXXX XXXX, XXXX. They made a threat that I could be sued for not only the principal amount but legal costs as well. They also said that if I didn't dispute the charge in 30 days, it would be assumed correct, thus trying to take my legal right to debt verification away from me. 

Later on XX/XX/XXXX, they sent me a court summons.
Product: Credit card or prepaid card

Capital one credit card was opened in my name without my knowledge on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 12/09/2022 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga [ XXXX ] Experian XXXX XXXX XXXX XXXX, TX XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verficiation of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference. 
Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date. 
Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was listed as an Authorized User on a Sync Bank/Sams Club Master Card. It is showing up on my credit report and is preventing me from refinancing my home due to divorce. This card is in my wife 's name and under her SS #. I want it removed from my report. 
I have contacted XXXX to resolve this matter. ( XX/XX/31 ) They are filing a dispute but they also say that only the primary card holder can have me removed. 
Please help. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts from my credit 
file, as I am a victim of a data breach and subsequent identity theft. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I am entitled to have fraudulent information removed from my credit 
report to ensure its accuracy and integrity.
Please remove the following accounts from my credit file:
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: Debt collection

Dear CNAC/XXXX ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

Charge Off : XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX {$1300.00} Collection : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX {$3700.00}
Product: Credit reporting

This is in follow-up to my complaint XXXX Experian 's XXXX/XXXX/15 response to my CFPB dispute, Experian specifically states " ... To request a security freeze, log on to www.experian.com/freeze ... ... " But after trying online several times over the past month, Experian instead continues to not accept my security freeze request - UNLIKE EVERY OTHER CREDIT REPORTING AGENCY. Experian apparently is continuing to make the process as burdensome as possible to discourage implementation, and maximize their profit opportunities. 
. 
Once again, by way of this complaint, and as a likely victim in the XXXX XXXX XXXX XXXX breach, I am notifying Experian that I will hold them strictly liable for any damages I incur from their failure to implement a timely Security Freeze, including their lack of a clear, concise problem resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This ridiculous. I submit one complaint and your respond to it with something that doesn't have to do with the complaint I sent you. I submit another complaint to address the first one and the response that made no sense, but you shut my complaint down say you need my authorization. I call in and the rep had no clue how to help me. This is straight up illegal. I sent a letter disputing inaccurate items on my report on XX/XX/XXXX and still no response. i send another letter on XX/XX/XXXX demand that status of the results still no response. 
you have everything you need. in my first letter i sent a notarized letter with the dispute as well as my identification. If this can not be resolve i will report to XXXX  and FTC
Product: Debt collection

I noticed that my credit score took a XXXX point hit. I called XXXX and they said that it was put on by PDM debt mediation. I do not know who PDM is or why they are trying to collect a debt. I have received no information, notifications, or correspondence from them. I believe this is fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2019 Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I am a victim of Identity Theft. The account # XXXX you listed on my consumer credit reports in the amount of {$12000.00} are fraudulent and is a result of Identity Theft. These accounts have no association to me. I have contacted and sent an Identity Theft Police Report, Identity Theft Affidavit to Goldman Sachs Bank USA several times explaining my Identity Theft situation and yet Goldman Sachs Bank USA has continued to harass me and report this inaccurate unverified account to the credit bureaus. 

I sent 2 letters to Goldsman Sachs Bank USA. One on XX/XX/XXXX to Goldman Sachs Bank USA Fraud Dept. 
XXXX. XXXX   XXXX XXXX  XXXX  PA XXXX XXXX Certified mail tracking number XXXX and onXX/XX/XXXXto Marcus by Goldman Sachs XXXX. XXXX  XXXX XXXX XXXX XXXX UT XXXX XXXX Certified mail tracking number XXXX Both letters were delivered and signed for. The letters included a cease and desist letter, explanation of debt not owed, police report, identity theft report, XXXX XXXX license with Social Security card for verification. 

These letters were IGNORED and Goldsman Sachs is in continued violation of my rights under the Fair Credit Reporting Act, and are in federal violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Dear credit Representative I have Account that is reporting settle less than full balance that find with me I was reaching out to see if I can get this account removed the fact that it's a settle account its non-issue I would highly appreciate if you can remove this account from my credit report thank you sincerely account XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was stunned this morning to discover that my credit report showed inaccurate accounts, and I have no idea how this happened. I check my credit report regularly, but today I was faced with discrepancies that seemed to come out of nowhere. I even refreshed my browser, thinking it might be a technical issue, but the errors didnt go away. This has left me deeply concerned, and Im requesting that the documents Ive sent be thoroughly checked so I can stop worrying about this situation.
Product: Mortgage

I went on COVID forbearnce last XX/XX/2020. I've been trying to come off forbarence since XX/XX/2020. I've called at least 4 times a month to check on my status and they keep extending my forebarnce. I don't know what else to do and they won't elevate this issue. I will now have a partial loan for much more money than I expected because they haven't processed me coming off of forebarance.
Product: Debt collection

According to XXXX XXXX account was opened XX/XX/2016 with XXXX which I have never heard of. The amount showing owed is {$290.00} and is in collections with XXXX XXXX XXXX XXXX. This account is not mines. I have disputed but I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian. I have two department of education student loan accounts. These were paid off with the Public Service Loan Forgiveness program in XX/XX/XXXX but the company servicing my loan went defunct. When my loans ( with {$0.00} balance ) were transferred to XXXX, they were still listed on my credit report as having balances. I tried multiple times to get XXXX to report this to Experian, XXXX, and XXXX ; they did not. 

So I went the route of disputing these two loans with each of the three reporting agencies ( so XXXX in all ). Five of the accounts are now correct on my credit reports : account closed, paid in full, {$0.00} balance. ONE balance remains on Experian ( {$47000.00} ). This is NOT correct -- the account was paid in full, the balance is {$0.00} ; yet this is still being calculated in my total debt. 

I submitted a dispute with Experian. I received the results on XX/XX/XXXX. However, they only removed one of the two student loans. I submitted documentation again showing {$0.00} balances on my XXXX student loans, but on XX/XX/XXXX they came back saying they rejected the dispute because I submitted the same documentation. Well, yeah, I did because they didn't make it right the first time with that documentation that clearly shows a {$0.00} balance. 

Finally, there is no way to get in touch with Experian. The numbers they provide for contact information if you need further help do not work. There is no way to connect to a real person or the recording says they are not able to take calls right now. Yes, I am calling during their business hours. 

XXXX and XXXX got this right -- Experian needs to do the same.
Product: Bank account or service

I am a rush card customer and I called to replace a card. The first time I am replacing a card. I was charged a fee when I was told I was n't going to be. so I called to dispute the XXXX $ fee I was told 1-2 business days it would be removed it has been a week it is still there. This is after I had to argue with a lady to tell her that I have never replaced a card before because she kept telling me I did, when the previous person had confirmed with me that I had not and it would be sent free of charge. I also needed to dispute a charge that was charged twice and they sent me the dispute paper I faxed it and they do n't know if they got it. I was calling for 3 days the phone kept ringing and hanging up telling me my social was wrong, or would just keep me on hold and hang up or would n't ring at all. This morning XXXX/XXXX/2015 I attempted to call and it keeps hanging up. I have been waiting for a replacement card for 11 days. I received the dispute paper that I requested after a replacement card. My direct deposit has not come in on time and they said they have n't received it when all of sudden the week of the outage the direct deposit is late. I can not get into my online account because it was locked I do n't know why, I cant reset it because I am still waiting for a card so I have no idea how much money is in my account now and there is n't anything they can do. This is very unprofessional if you do n't have the money or technology required to do a update do n't do it because XXXX customers are dependent on you for a means of living. This is sad, a XXXX owned business that I truly believe was great has turned into a major disappointment. XXXX XXXX get it together. Praying for those affected ARE YOU KIDDING ME? We are n't dying but who knows someone might since they cant access there funds for medicine or even food. My heat payment is late and there is n't anything I can do. You said you will call people if the DM you on XXXX that they are still having a problem! What difference does that make because they would be talking to you? Like come on this is serious! you have money, and you created rush card for those that you believe needed the help now what do you call this! SAD! Get it together!!! UNCLE RUSH!!! The apologizes, prayers and promises do not improve anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am responding to a letter from Barclays dated XX/XX/2022 that I just received. They have declined my dispute of a fraudulent balance transfer made on XX/XX/2022 with my AAdvantage Aviator XXXX XXXX XXXX XXXX to my XXXX Checking Account. I reported the fraud the minute I learned of it XX/XX/2022 and disputed the balance transfer. Barclays closed the credit card and issued a new one. The reason they give for closing their investigation is because the name is the same on both accounts ( credit card and checking account ). They consider the balance transfer valid even though it is a clear case of identity theft, which I reported to the FTC, as well as XXXX XXXX, XXXX, FBI, NY Attorney General and Secret Service. However, XXXX has already determined the balance transfer was used to make fraudulent XXXX and XXXX charges, which they have reimbursed me. I want Barclays to not use circular reasoning and instead recognize the fraudulent activity and financially make me whole.