23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I co-signed on an account with DriveTime Automotive Group , Inc/ DT Acceptance Corp . The buyer of the vehicle has failed to make on-time payments including failure to pay in full. At this present moment he has not made any payments in the last two months. As a result I have been harassed by DT Acceptance Corp in regards to the account because they ca n't get in contact with the buyer! I was contacted by an outside source ( someone who does n't work for Drive Time/DT Acceptance Corp ) in regards to my account with them via XXXX. This individual is the girlfriend of one of the collections manager at DT Acceptance Corp with whom I have spoken with breifly in regards to some paperwork for my account. I have contacted the Corporate Office in regards to this matter. They refuse to discuss how it 's being handled or if it 's been handled because they do n't want to compromise the privacy of their employee. However, I believe my privacy has been compromised. How did she get my information? Why is my information being shared with people who do n't work with DT Credit Corp? I have asked them to stop calling me on several occasions they have continued to do so until I requested again to be contacted by mail only. Due the request for them to stop calling me on my cell phone and at work, they have proceeded to contact references on my account. One of the individuals contacted, I do n't even believe is on my application as a reference. One of the references listed did request that they stop contacting her and they have continued to contact her. Despite the current status of my account, I do not feel that I am deserving of this type of harassment or stress and neither or my friends and family. Furthermore, due to their carelessness as a business in regards to my personal information, I am in fear that my information has been leaked and/or will be leaked in some malicious manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus XXXX XXXX, XXXX XXXX Experian ) there was a new inaccurate XXXX late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new XXXX late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.
Product: Credit reporting or other personal consumer reports

I have submitted numerous complaints to Equifax re : credit reporting errors. The information is reported accurately across XXXX and XXXX using the same data relevant to lenders who are part of my credit file that Equifax would include as well, but Equifax refuses to correct outdated information despite confirmation from my creditors ( one by one ) that Equifax has sent no requests for data review and/or verification since XXXX. 

Equifax lists my payment status incorrectly on several accounts. Namely, I have not incurred a late payment since XX/XX/XXXX. There are additional errors and Equifax at one point sent mail via post with documentation for me to verify I am the person associated with my SS. I do not believe Equifax is completing research relevant to complaints for correction submitted. Equifax reporting data inaccurately prohibits my ability to have a fair chance with potential lenders. 

For clarity, and as previously shared, I had one secured card from August 2019-August 2023. All accounts prior to XX/XX/XXXX were closed by the corresponding creditors, and by issue of the court ( NYSD ) I was legally unable to obtain or open any form or line of credit until my discharge on XX/XX/XXXX. I have since opened accounts post discharge but it would be physically impossible for me to have a late payment during XX/XX/XXXX when no lines of credit were open except a secured card which has an accurate payment history. 

Equifaxs disregard for factual information to be thoroughly verified is evidenced by recent media coverage. I am simply aiming to have my information corrected as I rebuild my credit following myXX/XX/XXXX XXXX discharge. I was able to request physical copies mailed to me confirming each account status and closure date. If Im able to confirm the same directly with creditors andXX/XX/XXXX and XXXX have done the same, why is Equifax falsifying my credit report?
Product: Student loan

I have been paying on a parent loan that I took out for my daughter I had them set me up for a monthly payment of {$82.00} because that is currently all I can pay right now and I got an email this month where my payment balloon to {$240.00} and I called customer service to see if there is any way I can try to keep my payment at the {$82.00} so I can continue to make my payment even if it takes longer but I know I can pay that per month. The over seas representative that I spoke to was not only extremely rude but he told me since it's a graduate repayment loan I have no more options of them lowering the payment for me but I can apply for a deferment. I don't understand why they would want me to defer the loan instead of work with me so I can pay off the loan. I ask to speak to a supervisor who is also an overseas supervisor and she told me the same thing. It bothers me that this company navient who has been on the new before for unscrupulous business process is trying to keep people from paying their loan off with a reasonable payment per your income status instead they are forcing you to either have to file for deferment or let the loan get delinquent before they can help you. I am desperate to find help because all I want is to set up a reasonable payment amount per month so I can continue to make my loan payment but was refuse with options that I don't want to have to use.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

Bank has been lying about said documents and correspondence that was never sent to my home address. 
Class action settlement for improper fee 's.
Product: Debt collection

Be advised that your claim is disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC & 1692, and as amended by adding the following new Title 8 USC 302 et seg, and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of these work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the " debt '' by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. 
With all these data breaches Im not sure what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with XXXXn because they inaccurately reported a balances on 2 of my capital one accounts. The balance on 1 account was - {$220.00} ( credit balance ) and XXXX  and XXXX  reported the balance of {$590.00} with a {$800.00} credit limit. On the second account transunion reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ capital one that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint. 

I am not sure of who is responsible for this error but I have been contacting Capital one and dealing with credit balances and payment inaccuracies since XX/XX/2021 with CAPITAL ONE. I pay my balances every month. I am tired of being screwed by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.
Product: Credit reporting or other personal consumer reports

Please see the attached documents. Do not close this complaint stating that it is not me. I am a natural person and a consumer.
Product: Checking or savings account

On XX/XX/2019, the plaintiff ( XXXX XXXX XXXX XXXX  ), voluntary dismissed the writ of garnishment Order. See attached herein. I contacted the garnishee ( JPMorgan Chase ), and provided the same. Chase is currently holding the amount of {$400.00} and are refusing to release. The dismissal of the garnishment is clear and in plain legal language. See paragraph 2 ) " Garnishee is directed to release any and all funds withheld to the Defendant or to the Defendant 's account and/or release any and all holds on any and all safe deposit box '' The dismissal of the writ was provided to Chase legal counsel on XX/XX/2019, yet Mr. XXXX XXXX failed to abide by the Order. See certificate of Service, the document was served via email.
Product: Credit reporting 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  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 reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXXXXXX XXXXXXXX XXXX XXXX., XXXX. XXXX ( XXXXXXXXl. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

XXXX has seemed to not mind violating my constitutional rights by some how reporting that my vehicle loan is closed when it has only been sold. this misinformation has caused my credit score to decrease substantially by XXXX points and is creating an ( extreme ) hinderance to the functionality of my ability to prosper as a human being. This misinformation is to be reported accurate pusrsuant to 15 U.S.C 1681 FCRA regulations and is persecutable by law. Please correct a.s.a.p.
Product: Credit card

I am a victim of identity theft of Barclays Bank Delaware credit card opened on XX/XX/XXXX by someone using my personal data. I have provided all necessary documents, the police report and the FTC Affidavit report, to the Bank in order to justify as proof that I am the victim of identity theft. 
I am very disappointed with the Barclays fraud investigation process. I have mailed several letters ( via certified mail ) with my many important questions but I have never received any responses to my questions. I demanded answers to my list of questions, however, the Bank has not yet responded to my questions. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ). 
In my last couple phone conversations with the Barclays fraud investigators, their final conclusion of the investigation was that this card was activated by a phone call made from my home phone. I requested the Bank to mail me proof of any documents to support their claim. So far I am still waiting for their answer from the Bank along with many other questions as stated in my letters. I also asked the bank to stop harassing me with phone calls 3 to 4 times per day consistently and sending me letters to collect the money that I do not owe, and now the bank engaged the debt collector, XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
At this point, I believe I have provided all documents to justify that this is a fraudulent account and that I am the identity theft victim. Please help me to clear this ongoing issue with Barclays Bank.
Product: Checking or savings account

On XXXX. XXXX I used my Chase Debit card on XXXX XXXX  company for {$3.00}, next day i found they are charging me {$110.00} when i called XXXX XXXX. to clarify why they are charging {$110.00} instead of XXXX dollars, they say i have to dispute the transaction from my bank and they are not able to refund the unauthorized trans. called chase 3 time and the dispute denied. however, this is fraud and never been authorized, I believe chase never initiate the issue with XXXX as required by Federal law to insure my fund. Please need to escalate the issue and get my {$130.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I applied online for a refinance, and the GFE that was generated did not remain the same after I spoke with an agent the first time. On XXXX/XXXX/15, I paid the lock-in fee of {$490.00} for which the agreement said I could rescind it if I did n't yet receive countersigned documents. I rescinded the agreement on XXXX/XXXX/15 because I became distrustful of the process and agent. Plus, I had n't received any documents. I was told on XXXX/XXXX/15 that the lock-in fee of {$490.00} that I paid would be refunded to me. After sending a reminder email on XXXX/XXXX/15, I still have n't heard from any agent at Valley National Bankl
Product: Vehicle loan or lease

I bought a car in XX/XX/XXXX. I made my first payment for the exact amount due in XXXX of XXXX. After that I made a payment before the due date in person with the teller. I paid an additional {$30.00} the next month and asked the additional amount to be applied to the principal. Fast forward to XXXX of XXXX when I paid an additional {$1500.00} toward the principal and that is when I realized the bank was not applying my payment correctly ( toward the principal balance as requested ). I was told to leave the bank and I was given an 800 number to call and ask to have each payment applied as I wished. That process started in XXXX of XXXX and that phone call lasted over an hour. At that time I requested a payment history of my account and was told it would be mailed. That request was never received. In XXXX I walked into the bank and paid an additional {$530.00} above my normal payment and again requested the difference to be applied to principal. After the same happened in XX/XX/XXXX I asked someone in the branch to call the servicing Dept. At that point I asked again for the payment history. It was finally mailed XX/XX/XXXX showing next payment due date of XX/XX/XXXX ( 2 months in advance ) In XXXX I made another {$1500.00} payment toward principal. At that point I was tired of the extra hassle of trying to pay extra on my loan that I asked for a payoff. When I was given the payoff amount it didnt reflect all of the extra payments I had been making. I was repeatedly told the extra payments were being applied to future payments. When I questioned this amount I was told it would take up to 14 business days to get back. At this point Im going to pay off this loan and will take them to court to get my extra payments and over payment on the interest I was charged. Terrible service
Product: Payday loan, title loan, or personal loan

I have had an active account with Mobiloans since XX/XX/XXXX. I have paid approximately {$120.00} per pay period for a {$1200.00} loan. At one point, I was able to get online to access my account and see where I stood on payoff amounts and payment schedules. In XX/XX/XXXX, I was unable to access my online account stating that I was in debt consolidation. I don't understand why debt consolidation should be a reason to not have access to my account. I have called several times to see what my payoff amount is, and I do not get a straight answer. I was told I have " about 32 payments '' left before loan is completely paid off. This seems excessive for a loan that is a balance of {$1000.00}. I believe have overpaid the amount I owe and this account should be closed. I would also need a copy of my loan agreement so I can further evaluate this account. I do not have access to any of this information, and they do not provide it to me when I call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice over the last 5 years I've watched my score plummet by as much as +/- XXXX points! 
The first time was over 5 years ago, the second, just the other day! 
I asked for an explanation as to your protocol for changing these but was given NO EXPLANATION, simply a well, I don't know. 

I have NOT been late nor have I missed ONE PAYMENT in +/- 15 years! 

My score, prior to the first attack was nearly XXXX Now, after these XXXX attacks and IN SPITE of no late/missed payments you have forced it down to +/- XXXX! 

Will you explain your logic to me? It makes absolutely no sense! 

You may check my history back as far as needed to see both attacks, What you will NOT see are any missed/late payments! 

Overall, I've had my score drop from +/- XXXX to +/- XXXX! Despite not having any missed/late payments in more than a decade! 
I've approached both transunion AND XXXX and have gotten nothing but " ... Can't explain it XXXX XXXX. 
Do these credit reporting agencies answer to anyone? How are they able to get away with actions such as this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts : XXXX XXXX -- XXXX XXXX -- XXXX. 
XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX  -- XXXX XXXX XXXX -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit card or prepaid card

The card proccesser is Blackhawk Netork, which I dont think is even a real company You can NOT call the number on the back of your card issued by XXXX  When you try to report anything, the automatic computer asks the card info then your zip code You dont have my zip code, it hangs up on you No way to transfer I think your card is a SCAM, I have a {$400.00} gift card, I have a Fraudulent charge For {$120.00} from XXXX XXXX not my charge and you Offer no help at all XXXX
Product: Debt collection

On XX/XX/year> LVNV Funding was sent a Cease and Desist Notice Regarding Communication and Collection Activities. They was also notified that thought the CFPB and the XXXX XXXXXXXX. XXXX XXXX XXXX acting on the behalf of LVNV has made repeat calls, and text to me on multiple occasions. 

LVNV after being made away that I did not wish to move forward with settling this debt and that I wished only to be contacted if they was eliminating it. LVNV funding in a effort to harass and annoy conspired with XXXX XXXX XXXX to repeatedly call and text despite the fact that LVNV has full understanding that I do not wish to be contacted about this debt.