23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : CAPITAL ONE
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Consumer Loan

In XXXX of 2015 I purchased a car from Drivetime in XXXX. I was given temporary plates and was told that my permanent plates would be mailed to me. The expiration date on the plates was approaching so I called. " They are on their way. '' I called everyday for 2 weeks. Nothing. My son went to the store for me and was pulled over, 1 day after the temps expired. He was ticketed. I went to the Drivetime store and spoke to XXXX, the GM. He stated, " I am so sorry. Your car 's file was placed in a drawer with some others and the paperwork for registration was never sent out. '' He then proceeded to ask for the ticket and my insurance information. He stated, " I will make sure this is taken care of before the court date. It was our fault. This is our responsibility. '' I was given another temporary plate and when I asked for the original ticket, he said he needed it for payment. 
Through XX/XX/XXXX I have been calling, and following up. It escalated to Customer Relations where I was speaking to XXXX. Per XXXX only part of the initial ticket would be paid even though XXXX said it would all be taken care of. And then when I called again, I was told by another rep that XXXX would no longer be taking calls from my on this matter. It was considered closed. 
We have not received any letter from the courts so we thought the matter was indeed taken care of. My son, who is now XXXX, is swearing into the military this week. We find out that NOTHING has been paid and my son has WARRANTS!! When I call Drivetime, I speak to XXXX who has to " research '' this because it has been 6 months and then says, " If I were you I would get a lawyer. '' Then she follows it up that they will only pay a partial cost of the fines as XXXX initially stated. 
I 'm sorry but after almost a year of fighting with this company, not even including the mechanical issues I have had with the car is just to much! If they had done their job filing the paperwork there would never have been a traffic stop to begin with.
Product: Credit card or prepaid card

Timeline of events XXXX XXXX  XXXX MO XXXX XXXX charge of {$1700.00} to XXXX Chase card. Items purchase, XXXX XXXX and laptop XX/XX/XXXX -He receives credit card statement, notices fraudulent charge and immediately contacts Chase Fraud Department XX/XX/XXXX -He receives new cc card from Chase in the mail, confirms account was closed and will investigate unauthorized charges. 
XX/XX/XXXX -Chase sends letter, -completed review of unauthorized charges, stated, You are responsible for transaction. You received benefit from the transaction. Fraud Investigation is closed. 
XXXX He calls Chase fraud department and was advised to file a police report. 
XX/XX/XXXX He files police report # XXXX with XXXX XXXX of XXXX XXXX County Police and investigation begins. 
XXXX He receives letter from Chase , We reviewed your fraud claim again, transactions are valid and will remain as part of your balance. 
XXXX He advises Chase fraud department of Police Report filing, XXXX , supervisor in Chases fraud department states he will contact the officer about the police report XXXX He follows up with Chase Fraud department and he requested legally bonded police report XXXX He obtains legally bonded police report and emails to Chase Fraud department XXXX Spoke with XXXX Y, he pulled the XXXX XXXX tapes and although the tapes are blurry, he confirms, three young people walked out of the store at the time of the crime and they do not resemble the card holder. The officer contacted XXXX with a subpoena but it was denied. 
XXXX Still no response from Chase Fraud Department XXXX He follows up with XXXX XXXX he states they did not receive email with police report, request email again to new email address. 
XXXX He re-sends police report to new email requested by Chase Fraud department XXXX XXXX states he received email, still awaiting a response XX/XX/XXXX Chase sends update letter, Well stop contacting you about your recent concern. Not been able to reach you. 
XX/XX/XXXX Chase letter to him stating reviewed your fraud claim again, transactions are valid. 
XXXX He drives to XXXX XXXX in XXXX  , MO and speaks with manager and referred him to XXXX XXXX Corporate. 
XX/XX/XXXX He reaches out to XXXX XXXX corporate, no response XXXX He drives to XXXX XXXX again and speaks with XXXX , GM , she initiates conference call with corporate who states, they can do nothing XXXX Chase fraud department calls, XXXX XXXX , he requests an email outlining the events to date. 
XXXX XXXX XXXX calls and states they are still waiting on response. 
XXXX Left numerous messages with XXXX XXXX at Chase Fraud department . 
XXXX He spoke with XXXX , account supervisor in the Chase Fraud department and he confirmed with XXXX XXXX , the case is closed and hes not going to reverse the decision. This final decision was never communicated to the card holder in writing. XXXX advised him to reach out to the Executive Office of Chase Card Services and provided address and fax number. 
XX/XX/XXXX -He requested a hold on late charges and fees while he pursues legal review and his request was denied by account supervisor, XXXX .
Product: Credit reporting or other personal consumer reports

bankruptcy is reporting on my credit file and bankruptcy courts do not report information directly to credit bureaus.Therefor, this bankruptcy entry is inaccurately reflected on my report and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed {$4900.00} for the XXXX XXXX XXXX XXXX XXXX that was added to my credit report in error, this account was opened fraudently and does have my correct social security number. My identification was stolen and someone opened this account I disputed this account with all three credit bureaus and this account and was advised this was verified but it was not verified because my social security information is not correct on this account. XXXX has removed this account because it could not be verified but it is still showing opened on equifax and experian which violates the fair credit report act
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 : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$19000.00}, XXXX XXXX XXXX XXXX XXXX {$4700.00},, XXXXXXXX XXXX XXXX XXXX {$7300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$14000.00},, XXXX XXXX XXXX XXXX XXXX {$3300.00}, XXXXXXXX XXXX XXXX XXXXXXXX {$110000.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

I submitted disputes to the credit bureau over 40 days ago and I have not heard anything back from them nor has anything changed on my credit report. I sent them all the information required and I have been quite patient before filing this complaint. There are numerous accounts on my credit report that needs attention because they are inaccurate and or not being reported correctly. They are not following the credit reporting laws and something needs to be done about this. I have contacted the creditors as well and am still awaiting their response as well.
Product: Bank account or service

XXXX XXXX XXXX was sold to key bank. Upon re-enrolling in on-line banking my account for on-line was locked. I called customer service and re-re-enrolled. I was forced to change user name and password yet again. 2 days later my account was locked yet again. upon calling customer service I was told I needed to re-enroll yet again with another new user name and password. System would not accept my original user name as it had been used previously I was told. If my information is in the bank system as being used previously then I am in the system that wont let me in. Why? No one can explain that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX
Product: Credit reporting

XXXX has been on my Equifax Report for over 9 years. This violates the Fair Credit Reporting Act which states 7 years only. Equifax removed it 4 months ago because XXXX continues to submit intentionally inaccurate information so they can re- age the Account. The past year Equifax has reported there has been no payment history for 81 months. If you add 81 + 12 that is over 7 years. In addition XXXX has claimed I made payments in XX/XX/XXXX and XXXX of 2015. I did not and the balance has n't changed in 13 years. Equifax continues to report XXXX even though they know all of the details are incorrect.
Product: Vehicle loan or lease

I purchased a vehicle from Superior Auto in XXXX, Ohio. My loan is set up to where I pay weekly. Sometimes I've paid a month or two in advance. Recently, upon review of my auto loan account history it has become apparent to me that my payments are not being applied consistently between principal and interest. I believe the account rep and or company is not applying my payments in accordance with consumer finance law. Attempts to address this with management and the account rep to no avail. I've had to go to a different city and county to make payments at another dealership location because of the level of unprofessionalism at the office where I purchased the vehicle. While at another location a manager informed me he didn't understand what was going on with respect to how my payments were being applied and he has never saw a loan with a per diem as high as mine, when compared to loans with consumers who's credit profile is similar. 

Numerous times that I've paid {$140.00} weekly approximately half was applied toward principle and the other half applied toward interest. Other times, the split of my payments between principle and interest didn't equal the payment I made. Lastly, payment splits were applied even more disproportionately than others. Something, simply doesn't appear right. 

I have been late a few times. My late pay has sometimes been a couple of days and other times a week. I've also had a couple of returned payments. For which online payment was suspended, but has since been restored. However, I always brought the account current within 7 to 10 days. Nevertheless, my account has been current for more than 3 months. 

Recently, I resumed making {$140.00} weekly payments. The split between principle and interest has been even more disproportionately applied with the payment being applied solely to interest. When am account is current like mine the payment is supposed to go to principle and interest. 

The application of my payments to principle and interest is grossly inconsistent and has raised many red flags. I believe someone is altering payments in such a way that is lining the pockets of the account rep ( s ) and/or the company thereby violating consumer finance law and strapping me with a higher interest payment. 

Any assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

I have disputed this alleged debt with Account XXXX XXXX I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Student loan

This has been an ongoing dispute of criminal activity involved fraud. I have submitted all the paperwork for years for XXXX and should already be processed. I have met all the requirements.The company claims to have " lost '' all my paperwork and my fault for their illegal activity. I've filed complaints and legal challenges. They ignored and lied about everything. I've had to get my senator involved and they even kept hanging up on their staff like they did with me. After months of ignoring they did respond and processed some of my paperwork from years ago but refused to process the rest and kept making excuses. When pressured they kept making up lies and moving the goal post for requirements. 

The office is still fighting with them. And this company acted so illegally with other people the federal government took away their management due to their illegal fraud. They still have some control and still undermining millions of borrowers. I have asked for both them and dept of education to now process the rest. They have actively hung up every time I call and ignore all my emails. They have stalled with the senator office. They have responded claiming they don't have control and up to the dept of education. 

What I would like to see if to finish the process and forgive loans as legally required. They have asked for money and I refused until it is corrected. If I am going to spend money to will be on lawyers to sue every employee name I have written down along with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on a letter I sent to you on XX/XX/2023 requesting verification of a late payment that is currently being reported on my credit report. The account in question is XXXX XXXX ( account number XXXX ) and XXXX XXXX XXXX SERVICES ( account number XXXX XXXX ) Despite my request for verification of this information, I have yet to receive any documentation supporting the accuracy and completeness of the reported late payment on these accounts. 

As you are aware, under the Fair Credit Reporting Act, I am entitled to receive a response from Equifax within 30 days of receipt of my letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. It has now been more than 30 days since I sent my request, and I have not received any of the requested documentation from you. 

I would like to remind you that credit bureaus are required by law to maintain accurate information and to respond to consumer requests for information verification in a timely manner. Given that I have not received a response from you within the time frame required by law, I am requesting that you remove the reported late payment from my credit report on both accounts. Please also provide me with a revised copy of my credit report reflecting the updated information. 

I appreciate your attention to this matter and I look forward to receiving your prompt response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account from XXXX XXXX was paid already and they don't have any reasons to keep reporting it. Also this inquiry from SYNCB/AMAZON XXXX XX/XX/2022 was not authorized.
Product: Debt collection

Good Evening, unfortunately on XXXX of XXXX I was in a real bad financial situation and had to take on a secured loan for the amount of {$4500.00} and had to pay the consequences of being in debt for several years without being able to pay the loan amount in full. Fast-forward to XXXX I was able to negotiate with One Main company to Legally paid in full for less than the full balance with the condition that they would remove they're account from all 3 credit bureaus, needless to say I didn't know they would not or couldn't do that and at the present day I still have my credit score hurting me today ( XXXX ) and all 3 credit bureaus won't remove One Main account from my credit report until XXXX. I think it was a misleading and cheating tactic from One Main to get me to pay the full amount agree when they knew real well that my credit score was going to get impacted well after I pay the agree amount and decided to lie in my face anyways without remorse. Shame on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth financial systems, called me about a debt for {$780.00} from a hospital visit in XX/XX/XXXX, I had and currently have insurance from my employer whom I've been working for, for 6 years ( XX/XX/XXXX ) the insurance should have covered my hospital bills, and no disclosure on how/why I was charged and not notified way back then about this debt ... this is showing up on my XXXX and XXXX credit report, and I also have noticed on my report that a couple of the months on the payment history show as " C '' " current '' and the rest as " ND '' or " no data '' ... is this a form of re aging? Please contact me with an update whenever possible ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal information, delete the accounts violating the FCRA and delet the unauthorized inquiries