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

XXXX XXXX, 2022 I called Bridgecrest to inform them that I had an emergency and would not be able to make the payment for that month. I asked if the payment could be applied to the end of the loan. I was informed that I'd need to cancel my auto pay and allow myself to become " past due '' and to call back. I called back after allowing my payment due date to pass, and was told there was nothing they'd do other than note the account and that I needed to make the next payment. My pay day came around, and I made the payment on XX/XX/XXXX however, it still will have me one month behind. I call again and ask if the payment can be deferred. I'm then told that extensions are approved on a case by case basis, and that I should not have made my payment. I was then told to yet again, call back later this month and ask again. I mentioned I'd complain to the CFPB because there has to be another remedy other than having the customer call each month. They then tell me they can offer a payment plan that would not get me caught up until XXXX, and would still accrue interest. I was transferred to a manager that reiterated that the only thing I could do was continue to call each month and ask, and it is up to them to decide if they will allow it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries need to be deleted and removed from my consumer reports Experian : EXPERIAN : 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 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

Collection account was deleted from Jana Ferrell and associates on XX/XX/2017 the same collection account was added back on XX/XX/2017 which made my score drop
Product: Mortgage

Hello, Our mortgage company Rocket Mortgage has been a problem from day XXXX. That was in XXXX XXXX XXXX they lied about time frame of getting done etc. Now after Hurricane Ian hit they've been awful. Our insurance company was great, we need a new roof ( waiting due to material s ) lanai fixed and new whole house generator. We had lanai fixed and generator .fixed. XXXX continues to hold the funds and will not release our money. they sent someone to take photos then still will not release money. now they sent a letter questioning the integrity ( rating ) of our insurance company which makes no sense! All the while they are holding our money and we are having to pay interest on credit! Absolutely insane.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # XXXX 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 card or prepaid card

Credit Karma Has Been Telling For Years Now That My Approval Odds To Getting A Credit Card They Recommend Is Either FairGoodExcellent And Once I Go To Do The Recommended Credit Cards I Get Denied, XXXX Dropped And A Inquiry On My Credit Report
Product: Debt collection

XXXX XXXX this account was opened the debt on this account is {$340.00}
Product: Credit card or prepaid card

Fifth Third Bank : I had a credit card account that was closed in 2019. Ive tried to get my account number to do a balance transfer to another company. I threw my card away when I closed the account. Account number not on statement, not online, and I asked if I could reopen account to get a new card sent and they would not do that either. Since I couldnt get my account no., I was going to pay off card. I called this weekend and was told I could make a payment over phone. They were ready to take my payment when they thought I was going to make the minimum payment. When I told them I wanted to pay it off, there was always a problem. I was told the system was doing an update, told I couldnt do it over phone because account was closed, put on hold and nobody came back, hung up on, and even transferred to someone and I asked if the system was down and she said it was not. She took my information for payment and when I asked for a confirmation number, she put me on hold and the line was disconnected. I called today and was told much of the same things, I couldnt make a payment because the account was closed ( even though I have in the past ). I was transferred to multiple people. One guy was even laughing when he answered the phone. Finally, I was transferred to someone that took my information. She gave me a confirmation number, but I am not confident it will go through. Its as if they dont want you to pay off your account to keep collecting interest. Worst company I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry XXXX XXXX report from XXXX XXXX dated XX/XX/XXXX. I have tried unsuccessfully to get Transitions and XXXX XXXX to remove it. Both companies have received copy of FTC report I filed resulting in am extended fraud alert to my credit report. However, TransUnion refuses to even open a dispute claiming I need to contact XXXX XXXX ( which I did ). XXXX refusal to open an investigation is a violation of the FCRA. When reaching out to XXXX XXXX I was assured the inquiry would be removed back in XX/XX/XXXX, as of Today it has yet to be removed despite both companies knowing it was an unauthorized inquiry. This is not only an FCRA violation but a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

SPS Servicing currently services my mortgage. I have lived here for 15 years. On XXXX XXXX, 2016 I became a victim of identity theft. Taxes were filed using my ssn. Fraud report filed. All XXXX credit bureaus put a freeze on my credit. I contacted SPS immediately as I did any/all accounts I pay. I did not want a loan modification. Just wanted to communicate why I fell behind. They refuse to work with me on the mere {$4000.00} I am behind. No option to pay in 1-3 months along with my current mortgage which is very affordable ( {$810.00} ) They have more than enough documentation as to why and how I fell behind. I am victimized twice! My identity was stolen. Bank accounts hacked, had to close them. Sons college loans I had to cancel. It 's rather simple, and they refuse to give me either a 1-3 month agreement to pay the arrearages or a specific date that I had to pay by. This company does not only practice in bad faith, but they lose everything, do n't note any comments in computer, and have discriminated against me. I intend on contacting the list of departments the FTC gave me today as well as the Attorney General office. I am done being the victim, communicating, sending in documents repeatedly pertaining to my identity theft only to have the lost. My salary ( which I have all my XXXX forms clearly indicate that I can easily maintain $ XXXX/month. SPS is playing games, thankfully I caught on very quickly. I will also be starting a web page for other consumers being lied to, not offered modifications, not offered payment plans, being discriminated against ... .the list goes on.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Convergent Outsourcing , Inc. on XXXX XX/XX/XXXX stating that I owed XXXX XXXX {$170.00} I wrote Convergent Outsourcing , Inc. a debt validation letter and mailed it to them certified mail with return receipt ( certified number XXXX ) on XXXX XX/XX/XXXX. To this date ( XXXX XX/XX/XXXX ) I have not received the return receipt, nor any correspondence from Convergent validating the debt. The letter Convergent mailed stated that if I write to them by XX/XX/XXXX, they must stop all collection until they show information that shows I owe the debt. 
I believe Convergent has deliberately not responded to my validation request so they can apply this unvalidated account to all my credit reports, which they have done because XXXX days ago I was notified that the account now appears on all three credit reports. I contacted XXXX XXXX on XXXX XX/XX/XXXX, and, per a legally recorded phone call with a XXXX representative, verified the account number I had with XXXX is NOT the same number Convergent is claiming is mine, and I do not owe them any money. If anyone needs to hear the phone call recording, please contact me and I will be happy to play it, or if there's a way to upload it, please show me how and I will gladly do it. 
I would like this unvalidated, incorrect, derogatory immediately removed from all three of my credit reports.
Product: Consumer Loan

I was put on an auto loan as co-borrower, the borrower and I are divorced and he has me on a loan that he has defaulted on purpose because I filed for divorce and divorced him. Im now trying to move on with my life and now this issue has come up. I would like to have myself removed from this loan that is hurting my credit. Im being held responsible for his actions and Im not driving the car that is in question.
Product: Debt collection

XXXX  doctor charge my insurance amount of XXXX. These charges was based on pre existing conditions. I've only had this problem with the doctor. Only have unauthorized charges from this doctor.
Product: Credit reporting or other personal consumer reports

I received a letter dated XX/XX/year>, from EQUIFAX stating theyre not taking fraudulent accounts off my report their company allegedly failed to protect the data of nearly XXXX XXXX consumers whose information was compromised and stolen during this EQUIFAX XXXX breach. XXXX XXXX and XXXX Solutions ( EQUIFAX ) lawsuits have been filed in federal court in XXXX. I have no idea what debt they are supposedly holding on me, have never received any notice of any supposed debt, have not signed any contract or agreement with said company, nor did I XXXX them permission to obtain and store my personal information on their systems that were breached. I am seeking to sue this company and have sent them a demand for restitution which they ignored although I warned them that failure to remove these accounts would result in me filing a lawsuit against them. I have contacted an attorney to proceed with litigation. I am also submitting all documentation of this breach and my demand for restitution to all media, consumer, and government consumer protection and fraud prevention agencies.
Product: Credit reporting or other personal consumer reports

Hard inquiries show on my experian report and I requested the reporting agency to provide documentation that I released my credit report in accordance with 15 usc 1681b ( 2 ), 1681b ( 3 ) ( A ) and they did not provide proof of release and rejected my dispute. 

Experian credit disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a Target Red Card for over ( 2 ) years now. I have NEVER been late on a payment that was ( 30 ) days late. I signed up for Target Red Card e-statements, and I have NEVER received them. In XX/XX/2021 I initiated a payment for the full amount due to be processed on XX/XX/2021. Target Red Card NEVER initiated that debit from my account, they NEVER sent me an e statement, and NEVER informed me that the payment did not process. The only reason that I know the payment did not process is because I received a 30 day late on my credit reports. As soon as the 30 day late hit my credit reports, I logged in and made an additional payment and paid off the balance.
Product: Credit reporting

I had submitted a dispute regarding a Medical Collection item with Equifax regarding XXXX XXXX XXXX on XXXX XXXX, XXXX, control number XXXX. This was item under dispute was last reported on XXXX XXXX, XXXX in the amount of {$250.00}. 

It was brought to my attention today by credit monitoring that an additional collection item was added to my credit report by Equifax , XXXX XXXX XXXX - reported XXXX XXXX, XXXX, in the amount of {$250.00}. 

This XXXX item is a duplicate of one currently under investigation as noted in the first paragraph. I called Equifax today at XXXX CST to dispute the XXXX item as a duplicate. 

I believe the intent of the data furnisher is not to respond to the original dispute dated XXXX XXXX, XXXX and allow Equifax to delete the item from the credit report. Then, add a new collection item. Thus, violating the spirit and intent of FCRA. 

During my call with Equifax , agent name XXXX, I asked if Equifax had controls in place to monitor data furnishers and the data provided when a dispute is under investigation. In addition, I asked if Equifax had controls in place to monitor data furnishers reporting duplicate tradelines. Her answer was no. There are no controls in place to monitor data furnisher activity to identify abuse or reporting of duplicate tradelines. 

When told that I wanted to submit a complaint regarding Equifax practices over the phone, she refused to accept my complaint and advised that the complaint must be submitted in writing. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$770.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$580.00} XXXX XXXX BALANCED {$4100.00} XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX 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: Consumer Loan

I live in XXXX. I bought a XXXX XXXX van in XXXX online and had it shipped to XXXX. That was in XXXX 2016. Despite many hours on the phone and in person I have been unable to register my truck in Texas. Therefore I am paying for a truck I can not drive. It is financed thru Ally Financial. I need a copy of the original title to register in XXXX. I have made numerous requests. XXXX tax accessor has made numerous requests. The last time XXXX XXXX. Ally customer service has been rude. They never show that I have been calling. They refuse to send me a copy of the tittle which is now what XXXX is recommending. Ally claims no one has requested title. They did eventually send an " electronic title '' to XXXX on XXXX XXXX but this electronic title is not recognized by the state of XXXX. I have explained that many times. I do not know what to do. XXXX says they can not do anything else. Their phone calls have not been returned. It 's such a simple solution. Just send me, and or, the XXXX tax accessor 's office in XXXX a copy of the original title. Even the title company that Ally contracts with told me that they have the paper title from XXXX but Ally would not allow them to send it to me. In XXXX I have always had a copy of the paper title. It would show ally as the lein holder so I ca n't use it for anything other than to show ownership. 
Please help
Product: Credit reporting or other personal consumer reports

Subject : Second Dispute Identity Theft Request for Removal of Fraudulent Accounts Dear Sir or Madam : I am writing to you regarding a prior dispute I submitted as a victim of identity theft, in which I requested the removal of fraudulent accounts that are negatively affecting my credit report. Despite following the proper procedures, the following accounts remain on my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX These accounts were not opened by me, and I have no knowledge of them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the immediate removal of any information related to fraud or identity theft from my credit file. Additionally, the law requires credit reporting agencies to respond adequately and diligently to disputes. This is the second dispute I am filing on this matter without receiving a proper resolution. 
I have also attached a copy of the identity theft report that I filed with the relevant authorities, in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). This law penalizes the creation and use of false or fraudulent identifications, which is pertinent to this case, as my information was used without my authorization. 

Furthermore, I refer you to the case of " XXXX XXXX XXXX XXXX '', XXXX XXXX. ( XXXX  ), where the court held that credit reporting agencies are responsible for conducting thorough investigations when receiving disputes related to errors in credit reports. The failure to adequately investigate my case may constitute a violation of the FCRA, exposing the agency to additional liability.
Product: Credit card

hello, on XX/XX/XXXX I went to XXXX XXXX, part of ABC FITNESS at : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Fl. XXXX. STORE # XXXX, gym phone # XXXX, XXXX phone # XXXX, to sign up for a gym membership, as I am new to working out, at that time I also purchased XXXX personal training sessions to learn the ins and outs of the machines. I was quoted a price of $ XXXX for the XXXX sessions, which I agreed to. 
The receipt for the purchase clearly states that only XXXX sessions were purchased which had to be used by XX/XX/XXXX. 

payment was made thru XXXX XXXX card ending in XXXX, the agent 's name was XXXX XXXX. 

during the signing process, he had me initial my name on a small machine where only the area where I had to initial was visible. when I asked what I am signing, he said it was the gym policies and rules. He did not provide any physical papers. 

he handed me the receipt for the transaction, and I proceeded to exercise. 

on XX/XX/XXXX, my card was charged another {$200.00} XXXX because XXXX XXXX had noted that I wanted the training to be a month-to-month contract. this is false, I am a XXXX woman on a very limited income ; had I been presented with a physical document where I would have been able to read thru it, I might have caught this agent deceit. 

On XX/XX/XXXX when the second draft of {$200.00} XXXX  was placed on my account ; I immediately spoke with the XXXX the gym 's manager. she wrote an email to corporate and several more since. each time I enquire on the status, she says there has been no response. Please also note that on XX/XX/XXXX I asked XXXX that I wanted to speak to XXXX XXXX, she answered. " he had to be let go '' I feel I was deceived by this agent, perhaps he did so because I am elderly, and he thought he could take advantage of this fact. which in my view is deplorable. 

ABC FITNESS ( XXXXXXXX XXXX  ) must take responsibility for this agent and refund my {$200.00} dollar. 

attentively,