23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SS # XXXX Telephone- XXXX Date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO Account number XXXX XXXX 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge definedExcept as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

15 U.S. Code 1666b. Timing of payments b ) Grace periodIf an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge XX/XX/XXXX Account number : XXXX To Whom It May Concern, Kind regards, XXXX XXXX
Product: Mortgage

XX/XX/2015, my house XXXX flooded. When I received the disbursements from the insurance company, I sent the checks with copies of the Proof of Loss and the contractor 's estimate to USAA XXXX our mortgage company ) and waited for the check. 

On Friday, XXXX XXXX, XXXX, I called and asked the status of the first disbursement for the contractor and was told that my information has been received and input on XXXX XXXX, and it would take 5-7 business days to send the check. 

I called back Friday, XXXX XXXX, XXXX and was told the 5-7 business days was for processing time and that the check would be mailed in 24-48 hours. 

I called back on Wednesday, XXXX XXXX, XXXX and was told my packet was missing the Proof of Loss from the insurance company and the contractor 's estimate and that nothing could be done until they were received. I was given an email address to send electronic copies to and sent that email XXXX. 

I called back Thursday, XXXX XXXX, XXXX and was told that it would take 24-48 hours to input the documents and that the check would be sent after that. 

I called back Monday, XXXX XXXX, XXXX and was told everything was cleared and that the check would be going out. 

I called back Tuesday, XXXX XXXX, XXXX to insure the check had been mailed and was told it had just been released and would be mailed on Thursday, XXXX XXXX. 

I called back Thursday, XXXX XXXX XXXX and was told that my file was missing the contractor 's estimate. I asked to speak with a supervisor who looked in my file and said she saw something from the contractor that said how much the repairs were going to cost. 

Regardless of whether the contractor 's estimate is actually in their possession XXXX the number she quoted off it made it clear it is XXXX, the fact that they have repeatedly told me that the check is going to mail soon and then continually delaying the process is entirely unacceptable. Losing paperwork on multiple occasions smacks of willful negligence. USAA purports to serve service members and veterans, that I and my family has been treated so poorly is beyond my comprehension.
Product: Credit reporting or other personal consumer reports

In XXXX, I requested Student Loan Forgiveness which was granted but taken away. All my loans were consolidated at the same time into one loan and the loan servicing agent changed to XXXX. Today, I discovered that the combined loan which is over $ XXXX still remains on my credit report along with the individual loan line items from the prior loan servicer NLS which make my debt appears as doubled and is being reported as potentially negative based on those multiple line items and my credit score has taken a XXXX point drop. Every single old address was added back to my report out of no where and again this all has happened over night. Currently, I am XXXX not working, still attending school and trying to keep at least my finances intact the best way possible. The information that the credit reporting agency is sharing as public information is wrong and has a detrimental impact to my livelihood. Its unfair and its wrong!!!! Please help to remedy this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I have found a Collection account in which I have no association with the collection account or the original creditor listed within the collection account. 

XXXX XXXX XXXX XXXX is reporting that I owe {$190.00} originally form XXXX XXXX is which i have no and never been associated with. I have attached a letter of validation for XXXX XXXX XXXX to validate this allege debt and provide any signed contracts so that i may understand where this is truly originating and find out if someone has stolen my identity or not.
Product: Checking or savings account

XX/XX/XXXX At the moment of the Blizzard that was happening that day in XXXX XXXX, I have been at XXXX XXXX which is a XXXX XXXX. On XX/XX/XXXX. My husband XXXX XXXX and I had a flight to XXXX XXXX  where we wore supposed to take the flight with XXXX XXXX to XXXX. Once we got to the airport we have been told that our flight is canceled. We have had our flight booked with XXXX XXXX to XXXX XXXX. Our flight from XXXX XXXX  with XXXX XXXX was scheduled on XX/XX/XXXX.The soonest date XXXX XXXX could reschedule us to get to XXXX XXXX was on XX/XX/XXXX. The claim is for XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX which refused to cancel our flight despite the natural disaster. We couldn't get to XXXX XXXX due to the Snowstorm. We called the XXXX  XXXX as soon as we knew that we won't be able to get to XXXX XXXX. They refused to work with us and refund the flight we couldn't take due to the natural disaster. After that, I called the bank ; they seem to be understanding of our situation. They refunded the money and started the claim.On XX/XX/XXXX,  I saw a transaction of the XXXX flight and XXXX XXXX XXXX was refunded for the service that we never get to use. I'm not sure why the chase company allows them to charge me for the services I never got to use due to a historic snowstorm. I have been a loyal customer for a long time. I send some evidence of my presence at the XXXX at the time, cancelation of the flight, evidence of the natural disaster and ask you to review my claim. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX CARD on XX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy 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 result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans should be in income based repayment status, but Great Lakes refuses to update. Each time I call to get this corrected or request additional information - I am told to have my attorney reach out. I do not have an attorney and have advised Great Lakes of this on multiple occasions. I am not in bankruptcy and do not have an attorney. I mailed in my IBR recertification over a month ago and Great Lakes acknowledged receipt. 

What they are doing is unlawful and predatory. They're unwillingness to update account to {$0.00} payment in income based repayment is costing me multiple months towards my repayment calculator. 

I again spoke with XXXX ID # XXXX today and nothing changed. This company needs to be investigated and a class action consumer lawsuit filed due to their illegal ways.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XXXX XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XXXX XXXX I was notified by credit monitoring company I had a late pay added to my file for XXXX XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

The week of XX/XX/XXXX I sent validation/ verification to XXXX  , XXXX , and XXXX because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX  so they were deleted from XXXX and XXXX. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX  couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.
Product: Vehicle loan or lease

I did not authorize the repossession to be reported to my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my equifax credit report on XX/XX/2021, send a dispute letter to equifax on inaccurate reported items. I go back to check the results XX/XX/2021 and I have no trade lines, no name, nothing on my equifax report? How is this possible?
Product: Payday loan, title loan, or personal loan

Yesterday Friday XX/XX/2021 I came into the financial office were they email me the address so I can come in and do payment arrangement on my car they repo from my apartments. I came in and they said my total was XXXX and I said u know what I don't have it complete I can give half then on Tuesday the other half he said and your payment its coming up as well on the XXXX of XXXX so he said so your total comes down to XXXX and I said ill give {$700.00} now and Tuesday remaining balance he said ok thats fine. I pay {$100.00} in cash the other {$100.00} with my debit card and {$500.00} with my XXXX XXXX when the girl that was charging says we don't get XXXX XXXX and I said is there an atm around she said no but u can do the Payment thru XXXX XXXX let me send u the link and I said ok ill do that. Today sat I'm trying to pay online the {$500.00} and they took access from me to do payments online. So I don't know what there were trying to do with fixing payment arrangement and I'm trying to pay and I don't have access no more to my account. I don't know if he was trying to get the money and still take my car away. But I need my car im doing the best to get everything there charging and they taking other actions
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for this vehicle loan with the help of the sales agent, XXXX XXXX. The entire deal was sketchy but the outcome was promising. I do not have a driver 's license and I was told " Come back tomorrow and you will ''. I was also told, " The manager doesn't like to move forward with a fake driver 's license because he doesn't want to mess up our relationship with a lender, but we do this all of the time ''. The total downpayment was XXXX. I was told that I could pay {$1500.00} on my initial visit and on my next payday I could pay the remaining {$500.00}. I was also told that I would get a " welcome call '' that XXXX and that I was to tell the lender that I paid the full {$2000.00}. I informed XXXX that I was not comfortable with that and I would try to make the remaining payment before the welcome call. On the first day of test driving the vehicle, the brake fluid light came on. I informed XXXX and he had his maintenance team work on the issue. On the second day of having the vehicle, the check engine and oil light came on. I notified XXXX and he told me that I could take it to their repair shop in XXXX. I took it to the XXXX XXXX to have a maintenance check on it. I have a repair estimate sheet dated XXXX that list many different issues 1. pump replacement 2. oil change 3. brake fluid exchange ( this was not fixed on day one they just turned the notification light off ) 4. engine air filter replacement 5. cabin air filter 5. oil cap is leaking. I sent XXXX a picture and he gave me the car shop number in XXXX to call. I called them and they informed me they were a third party and do not speak with customers directly. I informed XXXX and he told me it would be best if I came to the shop and spoke with the XXXX XXXX, who was out at the time until Monday. I went to XXXX and provided XXXX with the Repair estimate and he was very unhelpful and rude. He stated that XXXX only wanted money from me and that the XXXX XXXX was false and that they will get the lights off. I informed him that I did not want the lights off but the vehicle fixed. He told me it was a used car and there would be problems. I informed him that is understandable but I would rather purchase a used vehicle with minor problems that don't classify it as a lemon. XXXX interrupted, walked me outside, and said that he will accompany me to the XXXX location that weekend for maintenance. on XX/XX/XXXX I messaged him after he was a no-show and informed him that I was returning the vehicle on XX/XX/18, which I did. I returned the vehicle on XX/XX/18 and no longer have it yet I am still receiving collection calls in an attempt to collect. I informed Arivo and they called the carlot and they stated that I have the vehicle but did not pick up the plates. I did not pick up the plates because I do not have the vehicle. I never intended for them to be deceptive and not report that to the lender or they are forcing me into a vehicle I do not wish to purchase as an investment. I have attached the estimate repair and the message thread between XXXX and I.
Product: Debt collection

i asked for original contract with my signature, proof of ownership proving i owe this debt, and payment history associated with this account over a month ago and they did not give me any of this information
Product: Debt collection

I received a letter from Allied International Credit Corp stating I owe XXXX. They tried to get personal information from my XXXX account. The person on the phone ask me was my user name XXXX and I said no. She said we need your user name. I told her that XXXX told me not to give this out. I called XXXX and they told me it is a scam. XXXX stated that I do not owe them anything and that XXXX is not a user name with XXXX. I did tell this company that I could not owe XXXX anything because my payments is auto. They ask me did I sell XXXX computers and I said no but I sold SAXOPHONE. I wish I did not tell them that. I beleive this company is trying to collect under false pretense and trying to collect on accounts. XXXX said they do not use them.
Product: Credit reporting or other personal consumer reports

PLEASE KINDLY CHECK THE DOCUMENTS I'VE SENT. I SAW MY CREDIT REPORT THIS AFTERNOON BUT I'M STILL DISAPPOINTED WITH IT BECAUSE THE INACCURATE ACCOUNTS ARE STILL THERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LAST XXXX XXXX XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX XXXX XXXX {$1100.00} I have enclosed a copy of the Federal Trade  Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1500.00} 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 : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ... ... .previous is a ticket number that is..still an open case ... ... .I recently edited submitted a complaint to get a XXXX XXXX account removed off my credit report because I do not have a contract with that company. I received a letter in the mail that is not showing validation that I have a debt with XXXX XXXX attached is the document..Please remove this account from my credit report, I do not have a contract with this company.