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

THIS IS AN RV LOAN : Here is an example of what I have been going through. I have emailed them through their website and through regular email. The wait times on calling is about an hour or more ( this is why I emailed XXXX. I also messaged them through XXXX messenger and this issue is still not resolved. 
First message from XXXX : My issue is this My loan payment is XXXX. I pay XXXX each month. I sent a document that shows I want XXXX paid on the loan ( this includes interest ). I want XXXX applied directly to the principal. In theory, I should be paying less interest each month, this has not been the case. The XXXX was applied to the loan and it shows next month I owe less than XXXX. This tells me the XXXX wasnt applied to the principal. I called and was on hold for 45 minutes. I did speak to a rep and was told It does not need to be broken out like it was in the past ( like the document I submitted ). Your systems automatically applies the XXXX to the principal. I have not seen that happen yet. My phone number is XXXX. If what was told is true, you can respond to this message. However, I still have a hard time believing it is being accounted for correctly at this rate your system will show that I wont owe any payments in two months and beyond. 

Second message in an email directly in XXXX : I am having a hard time understanding how I can be paying more interest in XXXX than I did in XXXX. I am paying XXXX more per month on the principal. It would seem like the interest would NEVER increase. I have asked that the XXXX gets applied to the principal ( not as a lump sum with the payment ), if the interest increases than that amount isn't being applied to the principal. I am LIVID. I keep trying to get this straightened out and can't get an answer. The interest should NOT increase, I am paying XXXX more per month to get this paid off. If you could give me a direct number that might help too. I want this to go back to the document I signed. XXXX for principal and interest and XXXX to the principal. I am so frustrated and I want someone to look at this account and explain how the interest can EVER go up when I am paying XXXX more each month on the principal. I do not want next months payment amount reduced, I want the payment of XXXX ( principal and interest ) and XXXX applied directly to the principal. I would understand if I was just paying the normal payment because 30 days in XXXX versus 31 in XXXX, however, I paid XXXX more! My interest payment should not increase because I am paying more than required on the principal. If you look at XXXX and XXXX was done correctly, then I increased the amount to the XXXX additional. I have been paying more in interest than I did last year when I was paying XXXX more per month. I want this fixed and applied to the loan. This is fraud. I want it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting fraudulent Credit inquiries on my credit. 

I am writing to request the removal of fraudulent credit inquiries on my transunion report. My latest credit report shows six inquiries that I did not authorize. I am writing to dispute the inquiries and ask for their removal from my credit report immediately. Please have these fraudulent inquiries removed from my report within 30 days as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I noticed a few details that are in correct on my Experian credit report I do not know about any of these hard inquires, Nor did I request for this information to be on my credit report XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX  ; Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my current Experian credit report I once again notice that Experian is in violation of fcra rules 1681. 

Account : ( XXXX XXXX XXXX XXXX ) original creditor : XXXX XXXX XXXX ; inaccurate reporting, unverifiable account. 
Note : this account was reinserted back in XXXX of 2020 and was deleted in XXXX of 2020. 

And now has been reinstated again as of today XX/XX/2020 Experian continues to reinsert this account without letter of reinserting 5 business prior to reinserting as required by federal law fcra rules 1681. This a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Public Record Information : XX/XX/2017Public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows. 

( 1 ) Name, ( 2 ) address, and ( 3 ) Social Security Number And Date of Birth Further more if Equifax can not provide documented proof of the above information in full not partial information the said Public information on my Equifax file needs to be Removed/Deleted
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and there is an account on my credit report that doesnt belong to me. 

Account is stated below : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX XXXX XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agency 's are reporting incorrect information on credit report. 
They are reporting accounts from XXXX XXXX  for auto loans that belonged to a corporation that was dissolved 3 years ago. I can not be held personally responsible therefore they should not be reporting these on my credit report. As they were assigned to the corporation XXXX XXXX XXXX XXXX. 

Experian XXXX  XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I never applied for a XXXXXXXX XXXX  XXXX Credit card. I requested in 2022 for them to provide an application with my signature to prove I have an account they just ignored my request. They did close my account but they continue to charge me finance charges. I wrote to Transunion to dispute and got an investigation result saying it has been removed from my credit report. I have recently checked again since my XXXXredit score reflects a problem. It is not removed and still states XXXX is charging me finace charges. 
Thank you, XXXX XXXX XXXX
Product: Credit card

Target is HARASSING me with two to three phone calls DAILY. Which surpasses the Minnesota State Law of no more than seven calls within a seven-day time period. Aka the 7-in-7 rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacting because information that shows up my report is not my doing and are outdated and i need them removed for that fact alone! So disrespectful to have no knowledge of these reports.
Product: Debt collection

I have been trying to get the medical provider to resubmit claim to insurance they said they cant its gone to collections. My insurance company said the office coded it wrong and that they needed to code correctly and resend. i tried explaining this to the collection agency ( franklin collection ) but he said if i didnt pay then he would contact my employer. I told them not to as they do not have a judgment or any other legally obligatory note. The individual called them at XXXX XX/XX/2017.
Product: Checking or savings account

On XX/XX/23 I went to make a cash deposit of {$240.00} at a 5/3rd bank in XXXX Illinois , and the ATM took my cash but did not reflect the amount in my checking account. I walked inside the Bank to let them know what happened. The manager was helpful and I talked to the company, but want to put this complaint in writing.
Product: Mortgage

I applied for and got a home equity loan with XXXX XXXX on my house in XXXX. Interest rate 3 %. I rec 'd {$25000.00}. home equity loan, 25 % of {$80000.00}. I have an addition being built but XXXX said the appraisal would just apply to the existing structure and simply exclude the new/unfinished addition. Appraisal came in at {$26000.00}. 

At the same time, because XXXX seemed slow, I started talking to Rocket Mortgage. They said they couldn't take a loan out because I had an new/unfinished addition. 

Forward to the present. I got an email from Rocket Mortgage saying I could get a loan for {$20000.00}. In the process of inquiring about this I was offered a cash out loan of 80 % of equity ; {$4000.00}. Now Rocket said the addition didn't matter. The appraisal would cover total value including the unfinished addition. 

I spoke with XXXX about this and they seemed interested in a competitive loan proposal. I said no I was too deep in with Rocket and it wouldn't make that much difference. 

Rockets appraisal came in at {$260000.00}. - same as XXXX 's 6- 7 months ago. I closed yesterday on this loan at 4.875 %. New/unfinished addition still not finished My question is this : Why wasn't I offered this cash out option by either of these companies back in XXXX of 2021 when interest rates were at 3 %? The condition of the addition and house had/has not changed, just the way they addressed it. Does willingness to lend have something to do with interest rates? 

Why do I feel these options should have been offered when rates were at 3 %.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Negligence in Handling Consumer Report. 

CFPB I am writing to file a formal complaint against Experian for their negligence and mishandling of my consumer report. Despite numerous attempts to resolve inaccuracies on my report, Experian has failed to correct misleading and false information, which has severely impacted my financial standing and ability to obtain necessary credit and insurance. 
After carefully reviewing my consumer report, I identified several inaccuracies. In response, I sent multiple dispute letters via certified mail to Experian, challenging the accuracy of the reported information. Unfortunately, Experians responses have been inadequate and dismissive. Within less than XXXX days, I received stall letters indicating that the accounts were previously investigated, verified, and deemed accurate. These responses also labeled my disputes as frivolous or claimed that my dispute could not be processed at the time, despite the fact that I provided all necessary identification documents with my letters. 

In addition to these ineffective written responses, I have made numerous attempts to speak with a representative by calling Experians customer service line. However, their automated system consistently prevents me from reaching a live agent, abruptly ending the call when I request to speak with someone. On rare occasions when I managed to reach a live representative in the XXXX Department, I was met with rudeness and a lack of concern for my issues. Representatives placed me on hold only to disconnect the call, further demonstrating Experians unwillingness to address my concerns. 
The ongoing presence of false information on my Experian consumer report has caused significant harm to my financial well-being. I have been denied car insurance and face difficulties obtaining credit, which has hindered my ability to purchase a home for my family. Notably, both XXXX and XXXX removed the same inaccurate information from my reports months ago following my dispute letters, yet Experian continues to plague my report without resolution. Given Experians negligence in handling my consumer report and the subsequent financial harm I have endured, I am seeking financial compensation for the damages caused. Their failure to accurately report and address my concerns has directly impacted my life, and I urge the CFPB to take immediate action to rectify this matter.
Product: Debt collection

On XXXX XXXX Central Credit Audit LLC sent a notice under the name ( XXXX XXXX XXXX for a bill balance of XXXX for creditor XXXX XXXX XXXX. 
I have no knowledge of the bill/balance because for XXXX that's not my first or last name and using my social security number for financial gain.
Product: Debt collection

This complaint is in reference to CFPB case ID no. XXXX. For XXXX XXXX XXXX, Brock and Scott, PLLC, XXXX XXXX XXXX XXXX, and the following individuals involved in this transaction : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

This complaint stipulates from case no. XXXX, located in XXXX SC, XXXX XXXX of Pleas. Once again, I present to the CFPB a copy of the Bankruptcy Discharge Order of XXXX XXXX XXXX XXXX, filed XX/XX/XXXX by the Bankruptcy XXXX in the XXXX XXXX South Carolina, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, relieved from all financial obligations concerning XXXX XXXX XXXX XXXX. I present to the CFPB a payoff quote issued XX/XX/XXXX, by XXXX XXXX XXXX XXXX. The payoff was accepted and tendered by way of wire through XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX for XXXX XXXX XXXX XXXX, the Principal. Tender was not accepted by the company and warrants discharge pursuant to UCC 3-603. Furthermore, the transaction of the foreclosure proceedings draws suspicious activity by all individuals referenced above ( See form 8300 ). The security of my home is being brought and purchased by the above-named individuals who claim to have a debt without any proof of verification of it. Identity theft and securities fraud is being done. XXXX XXXX XXXX XXXX has no financial obligations to XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX or their associates. I have presented to the CFPB a copy of 1098 F and 1099 MISC as proof of this transaction previously for the XXXX of XXXX ( to which XXXX XXXX did not show up ), and for future reference of XX/XX/XXXX. Be as it may that no claim has ever existed with these companies, security fraud has taken place and I demand immediate attention to investigating these matters from the CFPB as well as the FTC. This not only draws up concerns of identity theft, Bank fraud, and security fraud but also malfeasance, malicious prosecution, and deprivation of rights under XXXX of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy was completed on XX/XX/2020 which means tradelines for things included should have been removed but they are not. I also want my first name corrected as it is on my documents. My name is XXXX and not XXXX as you continue not to correct it.
Product: Mortgage

i was denied a home loan modification by bank of america. they are the loan servicer for XXXX XXXX XXXX XXXX. i had to fill out a separate XXXX XXXX XXXX financials. I am in bankruptcy ch XXXX for the 4th time as the judge allowed it due to a hardship. my son passed away in XX/XX/2017 due to a XXXX XXXX, his 7th and final. My wife found the body. We both have XXXX, but my wife has XXXX. We were asked for a hardship letter describing details, probably focousing in the mental aspect versus the sever monetary issues that developed due to these many issues. 
In the denial letter they stated that my income was not enough to support anything besides a short sale. When i asked them what level they were using, and what level would make it work they said they could NOT provide me that information.
Product: Debt collection

Per phone call, debt paid on XXXX through employer withheld funds. Also paid XX/XX/year> was {$1300.00} paid to the attorney from Michigan Dept of Treasury. Attorney is holding funds for 45-60 days - understandable. But now they're telling me that it's an ADDITIONAL 45-60 days until they can release funds. Although they personally verified that both employer and state tax had fulfilled the judgment in full two months ago. Attorney refuses to release funds sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently received a copy of my credit report. I have filed a Identity theft report. I was XXXX for 5 years. I noticed multiple accounts that were opened while i was in XXXX. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are 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

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as XXXX and Transunion which are currently being sued for reporting fraud and inaccurate information class action lawsuit. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. I also request that an immediate block be placed on all these fraudulent accounts and blocked from any future reporting i have provided my FTC affidavit for your review. 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them. The law states all items must be reported accurately and truthful 15. u.s. code 1692j 1681s 2b cra must block the information within four days and notify the furnished of the report of the fraudulent data. Below are the items that need to be blocked from current and future reporting and deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALL INQUIRES LISTED IN THE FTC FRAUD AFFIDAVIT BELOW ATTATCHED FOR YOUR REVIEW.
Product: Credit reporting or other personal consumer reports

Due to the financial impact of the XXXX pandemic, I faced significant hardships that temporarily affected my ability to make timely payments on my XXXX XXXX XXXX XXXX XXXX account # XXXX ). As a result, I was unable to make payments on XX/XX/year>, XX/XX/year>, and XX/XX/year>. These missed payments were a direct result of the pandemic 's impact on my finances, and I have worked diligently to regain stability since that time. 

In addition to catching up on payments, I ultimately paid off the auto loan early, demonstrating my commitment to fulfilling my financial responsibilities. I have contacted XXXX XXXX XXXX to request a reconsideration of these late payment entries, as many lenders offered accommodations for pandemic-related hardships. Unfortunately, I have not yet received a resolution that would allow for the removal of these late payment entries from my credit report. 

Given the extenuating circumstances surrounding the XXXX pandemic, I am seeking assistance from the CFPB to encourage XXXX XXXX XXXX and the credit bureaus to remove these late payments from my report. I believe this adjustment would be a fair response to the unprecedented challenges I faced during that time.
Product: Debt collection

Upon reviewing my credit report, I identified several accounts that I did not authorize. I am requesting the immediate removal of these accounts from my file.
Product: Credit reporting or other personal consumer reports

I have sent disputes an documents proof that the XXXX XXXX account is not my account the bureau violated the fcra by placing it back on my credit report and not sending documents of verifying the accounts I have inclosed my verification and a ftc report proving it is not my debt and experian, transunion have placed the account back on my credit report
Product: Debt collection

XX/XX/19 @ XXXX XXXX : Was called by " Lendgreen '' rep XXXX in a demanding manner, asking my whereabouts to location. I explained that this was d/c in a BK case and rep rudely interrupted and sarcastically said he was surprised they never got the information. He tried to verify my address with an address he had on file and I declined to answer. Call lasted one minute XX/XX/19 @ XXXX XXXX : Called XXXX & attempted to speak with same rep & next rep refused to provide name & attempted to verify last 4 of social. I declined to state last 4 of SS & advised they needed to stop calling. Rep rudely demanded I tell him my last 4 otherwise he would be unable to make any changes into the account. I again politely asked for them to stop calling. Call lasted one minute.
Product: Debt collection

A fraudulent account was opened using my identity for the company XXXX XXXX. It was opened in the North Carolina XXXX energy on XX/XX/2021. Not only do I not have a XXXX XXXX account, I've lived in Florida for 20 years. I have no knowledge of this fraudulent account and it was sent to collections on XX/XX/2021. It does not belong to me and needs to be removed from my credit report immediately. Please see my drivers license attached as proof that I live in Florida and have for many years, not in North Carolina ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Refuses to delete/ remove a incorrect collection account from my credit report which does not belong to me & must be removed immediately as its hurting my creditworthiness, account info is as follows : WILLIAMS, ALEXANDER & ASSO XXXX XXXX XXXX XXXX , NJ XXXX A/C # XXXX {$55.00} XX/XX/2017