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

I couldnt believe my eyes this afternoon when I saw inaccurate accounts listed on my credit reportI have no idea why this has happened. I check my credit report regularly, but today, strange discrepancies showed up out of nowhere. I even refreshed my browser, thinking it might be a glitch, yet the errors persisted. Given this unsettling experience, Im requesting a careful review of my submitted documents to resolve this once and for all.
Product: Credit reporting or other personal consumer reports

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. 


I told Experian, XXXX, and XXXX to reinvestigate these inquiries : XXXX and XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Vehicle loan or lease

US Bank continues to deduct interest from my extra principle only payments! Each payment has principle only in the memo section but is applied as a regular payment. I have had to call each month to correct the error. It seems purposefully on their part to collect extra interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/XXXX, I sent communication to XXXX to freeze my account. On XX/XX/2019, I sent to the credit reporting agencies : XXXX, XXXX, and Transunion communication disputing a bankruptcy that is on my credit file. 

On or around XX/XX/2019, I received communication from the three credit reporting that they had verified the information with the credit bureaus. 

If XXXX had been frozen, and the bankruptcy court ( see attached ) states that they do not verify any information with the three credit bureaus, then how did they verify the information for accuracy?
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeat issue with partial payment plan agreement from XXXX ( resolved ) into XXXX ( failure to resolve ) Chat transcript with Heartland ECSI representative took place in XX/XX/XXXX to continue XXXX payments, each removed electronically, without fail, from bank account each month. Lender/servicer failed to report partial payment agreement, resulting in credit score damage.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX from Investment Retrievers contacted my brother about a debt they claim I owe. They contacted my brother at an email that was never provided to them. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also contacted my brother about a debt on behalf of Investment Retrievers. They contacted him at an email that I never provided. 

XXXX Investment Retrievers is based out of XXXX XXXX XXXX XXXX XXXX XXXX is based out of XXXX XXXX XXXX
Product: Student loan

I was affected by the XXXX XXXX XXXX XXXX College closure in XXXX 2015 (? ). I just received notice that my Federal loan has been approved to be discharged, but what about the private loan that they made me get through XXXX XXXX ( which the bills are now coming from University XXXX XXXX XXXX XXXX XXXX for Campus Student Funding? How can I get that loan discharged? Or GREATLY reduced since I am now paying for something I have n't received ... an education ... a college degree.
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. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. The fraudulent accounts include 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Year XXXX my credit is still showing old accounts that need to be deleted of my report
Product: Credit reporting

I have been trying to dispute information on my transunion credit report. I 've spent 2 days on the phone trying to get to speak to someone. My file is with ( I am told ) in a different department being I had identity theft. I called XXXX as I was told. However I get an answering machine telling me to leave my name number ss # file # etc. I call the main number for transunion and after being on hold for so long I am either transferred or told to call the above referenced number. I have incorrect information on my credit report that I would like to re-dispute as I have substantial additional information to correct this incorrect information. XXXX ( fraudulant account ) has been verified with XXXX fraud investigation dept that it is to be removed off my report. XXXX XXXX account should have no deragatory history marked ( I also have a letter from commenity bank/victoria secret that this account has never been paid late and it is reporting as a late payment XX/XX/2014. Which is 2 years ago. They verified this historical payment on this account was never late and all this time it is reporting as a deragotory remark which is affecting my credit score. I am trying to correct and fix this information along with my commenity bank/express account which is also reporting as potentially negative ( which again i have substantial proof that this account was never paid late either and the deragotory remark should be removed ). It is very fustrating as transunion will not take my call. My time is very valuable such as everyone else 's but this is getting me really aggravated that I keep getting an answering machine and someone will call me back. I 'm not going to receive a call back and I want this incorrect information corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections XXXX XXXX {$840.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$840.00} High Balance {$840.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1100.00} High Balance {$1100.00} Remarks Consumer disputes this account information XXXX XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks -- XXXX {$2000.00} XXXX XXXX  {$17000.00} XXXX XXXX XXXX {$3400.00}
Product: Debt collection

A few years ago my wife and I purchased a timeshare while in XXXX XXXX. The Company is called the XXXX. We made our payments on the mortgage over the years and a few times we were late resulting in the company reaching out to us by email. They have always been able to contact us when they wanted to. They are not so good with returning emails. Over the years we have never received a coupon book for the mortgage or the maintain fees. We just continue to mail off the mortgage payment with a little extra every month. Last month, we received a notice in mail we finally paid off the mortgage with a refund. However, over the last 3-4 years we were sent over to a collection agent one in Florida and now one in California. This new one in California has attached a bad debt to my credit for these maintain fees that I know exist but the company never once reached out to me until these third party companies started adding in their extra fees. I attempted to talk with a XXXX XXXX today who was yelling at me about not paying my bills. Stating I moved without informing the company but I never lost contact with them for the mortgage payment they made sure of that.

The collect agency is : Continental Central Credit Inc.

Address : XXXX XXXX XXXX XXXX  CA XXXX Phone number : XXXX Rep : XXXX XXXX I dont mind paying the maintenance fees to the company directly but why wouldnt the XXXX  company contact me directly first. Why, would these people attach their self to my credit report when they didnt even look at it when I bought the timeshare? I feel this has some discrimination in it because we have credit reports in America allowing these companies to have some power over people while in other countries they dont these reports to granting this power. In addition, if I do owe them all this money why did they refund me from the overpaid mortgage? None of this make sense and rude collection agencies are just trying to make their cut off this.
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.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681c Section 604 ( a ) ( 2 ) States that a consumer reporting agency can not furnish a account without written consent of the consumer. ( Me )!

15 U.S.C 1681s-2 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is innacurate. 

XXXX ; XXXX XXXX XXXX. {$390.00} XXXX XXXX. {$0.00} XXXX XXXX XXXXXXXX. {$370.00} XXXX XXXX. XXXX. {$130.00} XXXX XXXX. XXXX. {$260.00} EQUIFAX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX. XXXX. {$260.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX. XXXX. {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXXXXXX. {$0.00} ALL THREE CREDIT REPORTING AGENCIES REFUSED TO SEND ME A FREE COPY OF MY CREDIT REPORT UNLESS I AGREED TO THERE TERMS OF SERVICE AND PAID FOR THERE PREMIUM SERVICE ONLINE ON XX/XX/2023 I HAVE NOT GIVEN ANY WRITTEN CONCENT NOR VERBAL CONCENT FOR ANY AGENCY TO REPORT ON ANY OF THESE NEGATIVE ITEMS. THERE ARE ALSO NEGATIVE ITEMS WITHIN THE LIST PROVIDED HERE THAT I HAVE NO KNOWLEDGE OF. 
I AM ASKING THAT ALL THE ITEMS BE REMOVED IMMEDIATELY. THEY HAVE PRETTY MUCH RUINED MY LIFE. COMPLETELY RUINED MY LIFE! THANK YOU!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file with XXXX, XXXX, and XXXX XXXX and noticed that there has been several accounts reported as a charge off. According to the IRS an unpaid charge off is considered as income, By law according to the FCRA income can not be reported to a credit file. Since the creditor has filed a 1099C ( Cancellation of debt ). The accounts should no longer be reported on my credit file. I have disputed this matter with the creditor and the XXXX credit bureau 's and the accounts seems to remain. Any assistance you can provide will be greatly appreciated, I have provided the creditor and the account numbers below, XXXX XXXX XXXX Account Number- XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX Capital One Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX
Product: Checking or savings account

This was what cashapp sites for the reasoning of closing my account putting me in the negative, makes zero since XXXX XXXX XXXX
Product: Consumer Loan

I want to make a complaint about a predatory loan with GM Financial. XX/XX/XXXX, I purchased a XXXX XXXX from XXXX of XXXX, the day after I drove off of the lot with the vehicle ( less than 24hrs later ) I had buyers ' remorse, I was still dealing with the loss of my mother and was not in my right frame of mind to make such a large purchase. I spoke to several people in the finance department and told them that I could not afford the vehicle and that I wanted to return it, but they refused to take it back, in addition to this it was the floor sample and the purchase price was {$15000.00}. There was a rebate on this vehicle. ( which I never received ). 
( a ) I purchased the XXXX for {$15000.00} ( b ) I gave them a down payment of XXXX. 
( c ) I traded in a XXXX XXXX with a balance of {$3000.00}, ( the blue book value was {$4000.00} ). 
( d ) After making my monthly payments for 5 years, in the amount of {$540.00}, totaling {$24000.00} ( per GM 's account history ) ( See attachment # 1 ) ( e ) I asked them to pick the vehicle up from the voluntary return location and sell the vehicle for the parts because the vehicle had new tires, a navigational system and other new items that I recently had installed ; after selling the vehicle I asked them to let me know what the balance would be so that I could make payment arrangements on the balance. 
( f ) They let the vehicle sit on the voluntary return location for a month before going to get it, by this time a storage fee had accumulated, which they were not willing to pay. The vehicle is still there, ( g ) I asked them if they would make me an offer they refused ; so I offered to pay them {$5000.00} to settle the contract, they refused. 
( h ) After tallying the total amount that I paid for this vehicle it come to {$26000.00} ; - XXXX based on their records ( See attachment # 1 ) - XXXX, down payment, - plus {$560.00} missing payment ( my bank statement/See attachment # 2 ) ( i ) After researching I 've found that this company has a history of practicing in a predatory manner and they have numerous consumer complaints ( See attachment # 3 ). I am requesting an investigation and assistance with cancelling the remainder of this loan. Since I 've already given them {$26000.00} on a {$15000.00} loan, and because of the debate that I was promised but never received.
Product: Debt collection

I have never seem or heard of this company NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXXXXXX XXXX
Product: Debt collection

A representative by name of XXXX from Regional Finance has went against the fair debt collection practices by contacting my employer ( after I specifically told them not to especially if I am having open communication ) asking my boss why I was off and when Ill be back etc, then contacting a lady she used to work with at another loan company discussing my business asking why or if I had came in and going so far as to threatening me with garnishments when I had open communication was only 12 days late. This is harassment. Upon getting the loan I was totally discriminated against due to the fact I was told they typically DO NOT loan money to other people that are employed with another finance companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reliable financial was buy by XXXX XXXX XXXX XXXX, on my credit report appear the loan by reliable with a XXXX + debt which is not correct and XXXX  no longer exist is merged into XXXX auto also XXXX   auto account appear double with two loans that are really the me with balance of over {$10000.00} plus the XXXX of reliable. The actual amount owed is {$9100.00}. The bank is requesting reports, letters, complain to fix their accountability incompetence.
Product: Checking or savings account

Hi, i was an old customer of Wells Fargo when they over charged people for account and fees. now, 5 years after i closed my account they sent me a payment back for all the wrong fees they charged me. 

BUT, i am no longer have a business and this check is on my business account. 
they stole my money and now they don't want to send me a check back on my name. they are asking to fill out many documents and spend maybe 5 more hours of my life to send them more info ... and then it will take them 45 days to send it. 

they have my personal information on the business account and can send me the check easily. i have no time to work for them. as it is they stole my money. i work and have no time to deal with a fraud bank again!
Product: Checking or savings account

I have been with Ally bank since they were known as GMAC bank. Ally allows up to 20 external linked accounts to other financial institutions. For whatever the reason someone at Ally has decided to limit my ability to link to external accounts. I currently have XXXX linked external accounts and have been unable to add any more up to the 20 limit. When I complained to Ally I was told that since I have been a client with them that I have linked to over 70 external accounts during that time frame. There is no reason for Ally to limit my ability to link to external accounts as long as I stay within the 20 external account limit. I'm a savvy consumer who seeks out great rates, CD offers, and bonuses offered at other financial institutions. Ally 's actions are severely limiting my ability to link to other accounts that I have at other financial institutions, limiting my ability to transfer funds between those accounts, and limiting my ability to take advantage of great rates, CD, and bonus offers at other financial institutions.
Product: Credit reporting or other personal consumer reports

Attached XXXX pages of my report identifying all wrongfully reported information on my credit profile. With this request I demand XXXX to delete and update my files. Only correct name is : XXXX XXXX, only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please note the the correct address left without being highlighted by me is the correct XXXX but please separate the 1 from XXXX XXXX 


Highlighted information on report is wrong, please delete. I'm attaching Driver License for your records and verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This closed XXXX XXXX account ( last four XXXX ) shows 8 years and 3 months old on my credit reports.This XXXX  XXXX closed account should be removed
Product: Credit card

I made an online booking using my credit card for traveling. on Sat, XXXXXXXX XXXX XXXX XXXXXXXX I went on CitiTravel.com and used my points ( XXXX points ) to book a 2-week stay from XX/XX/year> - XX/XX/year> When I arrived at my hotel, the booking was inaccurate. I specified a Deluxe Suite for my stay but on the hotel 's booking confirmation, it showed as a standard queen room which is not what I booked. 

I showed them my confirmation and it was very odd that whatever I booked did not show on the hotel 's confirmation. Nevertheless, I could not stay in that room and immediately booked another hotel in person. 

This will all be resolved once I contacted the Citi Travel Department, who assured me that this would all be resolved. One year later with all my follow-up and evidence of incorrect confirmations, I still don't have my XXXX points or cash equivalent refunded to me. 

After countless amount of times that I reached out not one representative of CitiTravel told me to file a complaint and I had to be referred to CFPB by an attorney that is handling a case against CitiBank for other matters.
Product: Mortgage

To Whom It may concern I have included the following a escrow Analysis statement dated XX/XX/2020. 
I currently have no shortage in escrow. 
This is what they project to happen in the year of 2020 They are demanding a XXXX payment. 
They are charging way more then the two month that is required. 

What Are Escrow Advances? 
Any time the lender has to pay for items such as taxes and insurance and there is not enough money in the escrow account ( or there is no escrow account yet ) that is an escrow advance. That advance amount becomes a recoverable item within the escrow account and the monthly payment will be adjusted to recover that over a period of time, usually one year, sometimes less depending on the amount. according to Round point mortgage i currently have no shortage in escrow. 
when i spoke to them on the phone on XXXX they said well when we pay your taxes in XX/XX/2020 we will be short. 

They don't know what the escrow is going to be if i will fight my taxes on my house because XXXX hasn't arrived yet But, my escrow payment is only recalculated once a year. That meant they are collecting in advance when the insurance payment might be lower and so might be the taxes and they haven't paid anything out on my house until XXXX according to Round point. 

The lowest amount held in escrow at any time of the year should equal two months ' escrow payment. That two month cushion is required to ensure that there are enough funds in escrow to cover potential increases in taxes or insurance premiums and is authorized by RESPA, the law governing escrow accounts.