23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When I was XXXX in Hawaii I bought a truck for XXXX upon contract completion I got out on military orders to leave. The lender would not allow me to ship the vehicle with me so I was forced to do a voluntary repo. After a year of discussing back and fourth with the lender I was made aware that all debt was cleared and the account was closed. Now ( XXXX later ) I happen to check my credit report and I have a collections for XXXX with the lenders name as the original lender. Im not sure what it is for, and was never sent a letter or notified of the collections before they reported it to my credit. I have taken a major loss in credit due to this. I feel it is extremely damaging to come after my credit without ever giving me a chance to dispute or resolve the debt. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with XXXX and Transunion in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. I requested proof of ownership was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.
Product: Consumer Loan

This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

XXXX : : XXXX DOB : XX/XX/XXXX
Product: Mortgage

We were contacted by ALLY BANK in XX/XX/XXXX and offered a Forebearance Loan on our 2nd Home Equity Loan. In XX/XX/XXXX ALLY BANK issued letter stating that they were in error offering this forebearance and also that they internally had coded our loan incorrectly- and that we were now 6 months late and the balance due immediately- they also reported us as delinquent to all credit bureaus. Then they sent an agreement with loan payments to start paying balance -however it was dated three months prior ( they sent outdated documents ). We have been contacting ALLY BANK since XX/XX/XXXX to get credit fixed and a current loan agreement. Every time we call we speak to a new agent who says they will send us a new loan modification " package '' - we have repeatedly filled out these loan modification packages with all our bank documents, payrolls statements, tax returns, etc. then when we call to check on status they say the documents need to be resent because they are now outdated- or they say they never got the documents, after we've sent them to the po box address as well as email address they provided- repeatedly. Then they call us each month and the cycle starts all over again with a new agent! Result is our credit scores went from 800 's to low 500 's - credit is ruined ; and husband 's business is now closing because of the negative credit scores and failure to get new business credit. We can never speak to the same person at ALLY BANK - nobody can ever follow up on our documents to get a new loan agreement generated. Extremely frustrating dealing with ALLY BANK. Our credit has been ruined because of their internal errors and mismanagement. 

ALLY LOAN NUMBER : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Product: Checking or savings account

Ongoing-since XX/XX/2007, use of multiple illegal monitoring privacy financial methods and used practices to have cause years of financial burdens, caused/forced fraudulent transactions, with all banks since XX/XX/2007. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Each account where monitored with or without presumed permission by employees with each bank spreading personal financial account information while tracking location, prior to purchases, as well as short times of not affecting or influencing any monetary transaction through the years. Causing extreme monetary losses, thefts, price gouging, even this new evidence where most agencies contacted through the years for assistance went with complete failure or apprehension of such ongoing years of financial losses.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent activity
Product: Debt collection

I've contacted the consumer reporting agencies several times asking to verify this debt, but they have willingly failed to verify it in violation of 15 U.S.C. 1681h 611 ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

" XXXX XXXX XXXX XXXX '' ( XXXX XXXXXXXX XXXX ) are reporting inaccurate information to my file. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX  accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal. 

They also violated the law because according to 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.
Product: Debt collection

Received paperwork stating that the house is in foreclosure but this was during bankruptcy automatic stay company went against the automatic stay and continued to the foreclosure property by ignoring stay. They were still selling the house and closed the bidding when the account was in bankruptcy status ignoring the bankruptcy automatic stay on property The house was placed on the market during bankruptcy. I received a letter after the house was taken off the market but they never to this day advised how much is owed and continue to publish the house for foreclosure after all this time the amount is not accurate and neither one of these parties have a sure amount of what is owed. When I did call they still did not have an accurate amount owed they said they will send me notification as of today 's date there is no notification of the debt owed and how much is constantly different with figures that are higher than normal. The mortgage servicer has placed fees that are unlawful in order to seize the property. Visio and the servicer is not advising the exact amount owed ignored automatic stay but yet they are putting the property back on the market without letting the owner know what is really owed, Not giving the owner time to dispute they are constantly violating the legal right of the property owner. These two companies have two different figures placing property on the market and not advising what is owed. and it is not detailed or structured for anyone to understand what is really owed because of the many fees that are unlawfully placed on the property in foreclosure. Visio is  conducting predatory lending practices and needs to be investigated for discriminatory practices as well. They have deliberately foreclosed property where they advised people that the owner of the property spoken in a derogatory manner by the finance manager XXXX using unlawful tactics in order to seize property the company is engaging in unlawful tactics in order to get property in their possession by the tactics they have displayed during financing and foreclosure the company continue to deceive the owner where they would state that they will renew the terms and at the end of the term refused therefore causing the loan to be in automatic foreclosure status.
Product: Vehicle loan or lease

I purchased a XXXX XXXX for which I received a loan from Global Lending Services ( GLS ). They claim to have a web site and I have made numerous attempts to set up the online account but I have been unable to. My email address shows that the account has been created and I have made numerous attempts to reset the password but when I do so, I do not receive a password reset link ; I receive a link that requires that I enter my password, which is the source of the problem. I have contacted the company and I receive overseas representatives who do not understand the problem and force me to continously reset the password to the same result. When I did finally receive a representative who appeared to be within the United States, they were supposed to escalate the problem to the IT department and the IT department was supposed to resolve the issue and provide me with information as to how I may access my account. GLS does not allow customers to communicate directly with their IT department which leads me to believe that they don't actually have one. If I can't access my account, I can't determine how my payments are being applied, I can't keep track of the outstanding balance, nor can I confirm what the interest is. The hard copies of the bill only provide the current payment due and the " payoff '' information. I have attached a file showing where the " password '' reset link takes me when I try to reset the password. 

In addition, I am in the state of XXXX wherein I have a XXXX XXXX grace period to make payments. I receive my checks on the very last day of the month and the payment is due on the XXXX, which is within a day or so of when I am paid. However, XXXX will immediately begin collection attempts for late payments on the XXXX.
Product: Debt collection

Received a noticed from the company stating a debt. Cant contact as they barely answer the phone. Needed to verify the debt was valid, but was worried about credit reporting. Signed up for a payment plan to avoid the reporting. After making 2 payments and still no word on validation. The company sent my account to credit bureaus. Was able to get through today, no corporate office is available. They mentioned they dont protect any accounts but dont disclose that information unless you call.
Product: Credit reporting, credit repair services, 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. XXXXXXXX XXXX Account # XXXX, XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have violated my rights. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
Product: Credit reporting or other personal consumer reports

I have been paying all my account on time and in advance for the pass 7 months and the credit bureaus Exquifax and XXXX is still reporting in accurate information. They are reporting old and late accounts .thats should not be on my reports. i submitted the information to them and there is still no progress. This is hindering me from getting a mortgage loan or credit card.
Product: Vehicle loan or lease

BB & T, now Truist bank, has financed a loan for a vehicle in which has been deemed a total loss. The insurance company and I have been trying to obtain a guarantee of title to settle this claim, payoff the debt, and allow me the freedom to obtain another vehicle. This has been ongoing since XX/XX/2022. Neither of us have been successful. All of our phone calls, after extended holding periods of over 45 minutes, are unanswered, transfered, or disconnected. The insurance company and I have sent emails and fax as well as left multiple voicemails about this subject and all have been followed by no returned communication. It is now XX/XX/2022 and we have not had 1 form of communication. I also went into the XXXX XXXX branch in person and sat with a banker for 45 minutes as he was on hold with their internal services number. He was unsuccessful as well. I need this matter resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting or other personal consumer reports

I've been a victim of XXXX XXXX. My information was exposed to the public in the Equifax and XXXX XXXX XXXX, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts that XXXX, Equifax, and XXXX are putting on my report, removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion on my XXXX XXXX wrongfully changed the reporting of my account from paid late 120 days off to a collection/charge off. My credit score dropped XXXX points on XXXX. The company has not corrected this yet. I would like this account to be removed. This was a XXXX XXXX XXXX with XXXX  XXXX XXXX XXXX WA. This campus was closed down.
Product: Consumer Loan

BOUGHT THE CAR NOW EVEN XXXX WEEKS AGO. HAD TO TAKE IN FOR A DENT IT HAD.PICKED IT UP YESTERDAY NOW THE EMERGENCY LIGHTS WO N'T TURN OFF & IS DRAINING THE BATTERY.I REQUESTED FOR MY CAR TO BE REPLACED. I HAVE LEFT SEVERAL MESSAGES FOR DIFFERENT REPS AT CAR MAX INCLUDING 2 MANAGERS & THE CORPORATE OFFICE. IS BEEN SEVERAL HOURS & I HAVE NOT RECEIVED ANY CALLS TO DISCUSS THE MATTER.I HAVE HEALTH ISSUES & THE SALES REP IS AWARE. THIS IS ONLY ADDING UN-Necessary XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two issues regarding credit report inquiries creating " hard inquiries '' on my credit report from XXXX, XXXX and XXXX.

1. XXXX : I did not request or authorize this company to acquire or may an inquiry on my credit report. At time of inquiry already had an account with XXXX and was discussing options to adjust account features. At no time did i give authorization to run a report. 

2. Multiple inquires within 30days of applying for mortgage loan.

I applied for a Mortgage loan in XX/XX/XXXX with mortgage broker. The loan was shopped around with several lenders checking credit report. 
XXXX, XXXX, PA XXXX on XX/XX/2018 and XXXX XXXX, XXXX, IL XXXX on XX/XX/2018 Then. 
XXXX XXXX, XXXX XXXX XX/XX/2018 Credco, XXXX XXXX XXXX XXXX XX/XX/2018 This created 5 Hard Inquiries on report which remains on report to date. XXXX   shouldnt be on report at all. The other four should have incurred only 2 at best. 

I've tried to dispute these Hard Inquires with two of the three leading credit reporting services to no avail. 


Your assist in this matter is greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Debt collection

I have contacted XXXX XXXX about the account in question and have informed them this account doesnt belong to me. I received a copy of the application/contract and non of the details belongs to me. The home address, phone number, bank account, and all other personal information associated with this account is inaccurate and has never belong to me. I have requested the removal of this inaccurate information but XXXX XXXX has failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted enough information for you to determine and agree that these accounts have fraudulent charges from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence these accounts need to be removed immediately ( XXXX XXXX XXXX XXXX ) fraudulent charges made on account. ( 104 ) ( XXXX XXXX XXXX ) fraudulent charges made on account. ( 104 ) This is my second request please remove the above accounts and send me a new credit report showing these corrections.
Product: Debt collection

On XX/XX/XXXX i received an email from XXXX XXXX ( except i later learned it was not XXXX ) that my bank account had been debited for {$150.00} for renewal of XXXX XXXX XXXX. it said call if you do not wish it to be renewed. So I called. They said my bank account had been debited but they would refund the money. They were very professional and believable. They needed my bank account number to refund the amount. 
" He '' said my bank would not allow him to do so. Yes... I gave him my credit card numbers so he could refund the charges to a credit card. He said he could give me credit via XXXX, then he tried through my Citibank credit card ; finally through my XXXX XXXX XXXX, In each instance he had trouble making an adjustment. 
Though I am XXXX, nevertheless I know I am not excused because of my age ; my naivete is responsible. Btw, because i was having trouble navigating to where he wanted me to go .on my computer, he took over my computer to " help '' me. 
My banker told me it was fraud from the beginning. So on XX/XX/XXXX I contacted Citibank. One transaction had already been approved for jewelry at : '' XXXX : '' for {$1700.00}. 
( My XXXX XXXX card was also debited {$70.00} for an XXXX XXXX on the same day ; Results of dispute pending. ) Three more charges for jewelry from the same vendor, XXXX, were denied. 
Citibank informed me today that the dispute was closed and I am responsible for the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX XXXX account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXXXXXX XXXX XXXXXXXX was agree to by both parties and upon full payment of our agreement, the XXXX  XXXX Account derogatory information would be permanently removed from my XXXX, TransUnion, XXXX, XXXXt al credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and XXXX, to have XXXX XXXX XXXX  delete all of their derogatory credit bureau report information reported to XXXX, TransUnion, XXXX, et al credit bureau, to no avail. 
XXXX XXXX XXXX  sold my account to XXXX XXXX XXXX, and I paid XXXXXXXX XXXX XXXXXXXX the full agreed to amount, and XXXX XXXX XXXX  refuses to remove their derogatory information from all credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXXXXXX XXXX XXXXXXXX in-full, then my original debt was completely paid off, as agreed to by XXXXXXXX XXXX XXXXXXXX and myself!
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off my vehicle in XXXX. Credit Report is showing incorrect information. Says its past due and I still owe from 3 months ago. I have paperwork from XXXX  saying congratulations for paying off your loan. 

I would like this whole trade line deleted from all credit reports, for damaging my credit as well as my wifes.
Product: Debt collection

I called on XX/XX/XXXX  to Synchrony Ashley in regards to my account being closed for my Mortgage not being paid. I was told that they couldnt open my account because it was reported closed by the credit bureau. I told them that I paid and that I was XXXX XXXX military and this account shouldnt have been closed because I paid and they said that it not nothing they could do to help me. I also told them that I was charged extra interest on my account which caused this account to over the limit and they told they would look into doing the Service Civil Relief Act for me. The problem is the account was closed inappropriately and it has caused problems with my credit and I need someone to fix this.