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

I recently traded a XXXXXXXX XXXX in for a XXXX tundra at XXXX of XXXX XXXX. In the deal they agreed to pay out my old truck at XXXX XXXX which is what I owed and to sell me the new truck for XXXX XXXX. When I got my first bill it was close to XXXX XXXX. I contacted the dealer to find out they only paid XXXX XXXX for my trade and they added XXXX XXXX dollars in extra warranties and insurances I had didnt know even existed. They never gave me a copy of the contract. They wrote the wrong name on the contract. They also never explained any of the contract which is required by law they do. I have since had them remove the extra charges yet my loan amount is still XXXX XXXX so my payments are still for an XXXX XXXX loan. Also my i street rate is for the XXXX XXXX as well. I never agreed to this amount. I have contacted XXXX XXXX several times and the dealer as well and I was told at the dealer I have to buy another vehicle and I have to pay sales taxes on the new and old vehicle. I just spoke to the sales manager today and was just hung up on and told i can refinance which I cant or buy a lesser vehicle and pay the sales taxes on both the vehicles. Then he hung up on me. Ive been contacting the dealer about this since XXXX as well as XXXX XXXX. Nothing. Please help.
Product: Mortgage

Prior to mortgage being paid off in XXXX, for the months of XXXX, XXXX, and XXXX of 2020 the mortgage company listed on my credit report that those payments were late when my mortgage was actually in a forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes have been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history (XX/XX/XXXX ) for all XXXX of my federal student loans to the credit reporting agencies ; XXXX and Experian ( XXXX  has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which Experian has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a XXXX XXXX XXXX  rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time onXX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that Experian and XXXX is reporting missed payments. This hassle of back and forth with the credit reporting agency and XXXX XXXX has caused tremendous financial suffering due to no fault of mine.
Product: Student loan

Sallie Mae now Navient has ruined my financial life. I had an original loan of XXXX which is now XXXX. I have made payments for over 10 years to them with a loan that has now doubled. 

I work in public service and my federal loans have all been discharged due to my working experience. 

Navient does not assist in that. Calls me and my family non stop. Ruined my credit score, and offers no options to lower the cost. 

They have forced me into forbearance multiple times. 
They have scammed me completely. It is ridiculous how they handle themselves.
Product: Vehicle loan or lease

Exeter fiance has only been putting XXXX towards my car payment I pay XXXX a month my payment hasn't even moved in order for me to even see movement I had to put XXXX since XXXX it hasn't even changed the amount I been owing the same amount for 2 years they never have someone to speak to or no answers I'm getting robbed so many people have said the same thing when I saw the reviews I'll never pay off my car they never added the XXXX made multiple times payments I have made at a time no where in my payment history is it shown where is my money going
Product: Credit reporting or other personal consumer reports

I am submitting a complaint againsi Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Experian has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

This is my XXXX  requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Debt collection

I sent a letter out to validate a debt that was not mine. They did not provide me with any signature of mine.
Product: Credit reporting or other personal consumer reports

I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. I have contacted XXXXXXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now
Product: Debt collection

Agent of Avante USA came to my home stating he was there to repossess a lawn tractor. The agent was hired by an agency named Avante. I contacted XXXX XXXX to get an explanation of why the subject was at my residence. I was advised that my account had been forwarded to collections for missed payments and I would have to speak with Avante. I contacted Avante to inquire about the amount owed. Avante refused to provide the amount of the alleged debt, would not advise how or where four payments had been applied. Avante stated that they would have to repossess the equipment prior to providing any proof of the debt or accepting any payment. They stated that they would have to take the equipment, assess the value prior to providing me with any information of the alleged debt. Additionally, Avante could not provide any proof of prior attempts to contact me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email notification saying that I had opened a new account. When checking my XXXX  XXXX  account, I have seen a Macy 's credit card had been opened under my name on XX/XX/2002, of which I'm unaware. Therefore I reached out to Macy 's by phone to complain about that. So they told me that they are going to investigate the case, and expect a response from them after two billing periods.
Product: Credit card or prepaid card

To improve our credit we opened a secured card by sending Discover {$300.00} and getting a XXXX card. After 2 years we received a letter stating that because we had done such a good job with handling the card, we deserved a credit card and our {$300.00} was returned and we were issued a new card. We used the card approximately 3 times when we then received a letter telling us that our card was cancelled because of inactivity on the card for the previous 18 months. We have no way of knowing what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent request to TransUnion and the other bureaus on XX/XX/2020 is being ignored. I had specific questions about the accuracy of the items on my credit report and I am not getting an adequate response. I spoke with a representative at XXXX on XX/XX/2020 and they stated they received my letter but they want me to open a new dispute. I dont want to open a new dispute. I am asking for the specific questions I asked in my letter on XX/XX/2020 be investigated properly. This situation is causing me distress and affecting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my consumer report and your company is displaying unauthorized and fraudulent credit inquiries. 

Company Inquiry Date Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing because I did not give your company permission to display such information on my behalf to my credit report. If you have documents with my signature stating that I gave your company permission to display this information send to the address above for review. If not you are infringing on my right to privacy and thats a violation of FCRA 15 U.S.C 1681 ( 4 ) Further more did Experian Validate this information with these companies prior to furnishing? If so provide me with a copies of any documentation with these accounts with my signature authorizing and inquiry. 

I demand these inquiries be Deleted immediately. 
I know you have up to 30 days to produce requested contracts, or delete these fraudulent items that is affecting my right to extend credit causing harm to my reputation. 

Enclosed is my state identification card and Social Security number for identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion has continue to report a bankruptcy on my report that is incorrect and should not be there because this bankruptcy was filed fraudulently and we never authorized or signed any documents to file bankruptcy on our behalf. This has caused severe damage to our credit profile and prevented us from getting business loans and is hurting our growth potential.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX I looked at my XXXX credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have notreceived any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : 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
Product: Credit card or prepaid card

I have been using chase bank for over 10 years. I went into my local branch and met with a banker about opening a credit card that had a 0 % introductory interest rate on balance transfers. The banker recommended the freedom unlimited card, saying it will will have 0 % interest on balance transfer and all purchases for 12 months. 2 months later I am getting interest on the balance transfer, which was the only reason I opened the card. So I call the customer service 1800 number and they tell me the interest is correct and the banker was wrong. They say there is nothing they can do and that I should go and talk with the banker. I schedule a meeting with the banker. Upon meeting with him he is perplexed when I tell Im about the interest charges. He makes some calls to corporate and they inform him that they just changed the card to exclude balance transfers on the introductory 0 % interest rate. He tells them that the information he pulled up on the card and the disclosure signed show N/A for interest rate on balance transfers during the introductory 12 months. They say there is nothing they can do. Ultimately neither corporate nor the branch manager made things right and I am still being charged interest.
Product: Checking or savings account

I received Paycheck protection Program loan for my business, in XX/XX/XXXX. Loan detailed must be spent on business needs. In which every dollar is accounted for in XXXX for company inventory. I have submitted receipts of items ordered for buiness needs to Small business admin. All supporting documents were accepted. I was told by SBA to request forgiveness once my documents were accepted. In which i did, i received a letter from SBA stating loan forgiveness granted. However, on XX/XX/XXXX Capital One locked my account. Stating i was not a business owner and should not have received PPP loan. I called Security department for capital one whom stated they needed Schedule C form for XXXX. In which i submitted immeditately, along with several supporting documents showing sales. XXXX is one of my many payment methods, which is connected to my capital one account. Captial one Bank can clearly see sales with customers first and last name next to each dollar amount. I sent statements showing business owner. My account remains locked and my funds inaccessible. This has caused a loss in income for XXXX  payment method. All of my bills that are attached to this PERSONAL account are now in default. They can not auto draft as it would normally. My credit card accounts that i have with them are also restricted. I was told if lock is not released, then this can lead to negative credit rating. I have submitted complaint to Office of Comptroller and heard nothing back yet. I have gone online to see others facing this same nightmare. I reached out to Small Business Administration, to further inquire on reason for lock. SBA stated " Lock is not apart of SBA loan that was given ''. SBA representative stated this is the bank that has decided to lock accounts for ppp loan. I was told by SBA representative to seek legal counsel and submit complaint to OCC. This entire issue has caused such distress to me personally and business wise. My auto loan with them also sent into default. In which may lead to negative credit rating as well. Having to defer this payment until issue is resolved, causes additional interest. This is unfair, especially to be done by a company you trust with your life savings and business. I have other accounts with other banks and i have never experienced this horrible business ethic. Im currently seeking legal counsel to resolve this matter. Im also feeling like punative damages are in play. Loss of income, pain and suffering. I would love to start a class action suit where all the people on XXXX can partake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry from SyncbXXXXpaypal  on my XXXX XXXX Credit report on XX/XX/2020 without my authorization. I do not know who this company is and where they got my information from and why they pulled my credit. I contacted paypal via mail on XX/XX/2020 informing them of the unauthorized inquiry on my credit report and I have not yet received an acknowledgment of my concern and complaint. I also called ( Syncb ) Synchrony Bank to see if they were the ones who pulled my credit report without my permission and was told they did not have no information or application on me and they could not find me in their computer / System. After unsuccessful researches and responses, please research and remove this inquiry from my credit report. 

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

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report EQUIFAX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XXXX XXXX, INQUIRY DATES : XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile.