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

XX/XX/XXXX XXXX : XXXX XXXX  TRACKING NUMBER XXXX SENT VIA REGISTERED MAIL TO XXXX XXXX XXXX GM FINANCIAL TO XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX DELIVERED VIA XXXX REGISTERED MAIL TO GM FINANCIAL FOR XXXX XXXX. 
XX/XX/XXXX GM FINANCIAL REPOSESSED MY AUTO MOBILE. EVEN AFTER EXPLAINING I SENT IN MY PAYMENT THEY REFUSED TO RELEASE MY PERSONAL PROPERTY BACK. 
XX/XX/XXXX XXXX XXXX. TRACKING NUMBER XXXX SENT PRIORITY MAIL XXXX TO XXXX XXXX XXXX GM FINANCIAL. WITH A PAYMENT FOR {$36000.00}. 
XX/XX/XXXX XXXX XXXX  DELIVERED VIA PRIORITY MAIL XXXX XXXX. 
GM FINANCIALA C/O XXXX XXXX  REFUSED TO RELEASE MY AUTOMOBILE. MY ACCOUNT HAS NOT BEEN CREDITED AND I CONTINUE TO RECEIVE CALLS FROM GM FINANCIAL. 
ON OR AROUND XX/XX/XXXX I RECEIVED A LETTER GM FINANCIAL/ XXXX XXXX THRETENED TO SELL MY AUTO MOBILE IN A PRIVATE SELL ON OR AROUND XX/XX/XXXX. 
XX/XX/XXXX, XXXX XXXX  XXXX SENT PROOF OF PAYMENT TO XXXX XXXX CHIEF LEGAL XXXX FOR GM FINANCIAL XXXX GM FINANCIAL XXXX 
DOMESTIC RETURN RECEIPT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX MAIL XXXX SENT PROOF OF PAYMENT REQUESING A STATEMENT OF MY ACCOUNT T0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX for GM FINANCIAL XXXX GM FINANCIAL TO XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX DOMESTIC RETURN RECEIPT XXXX XX/XX/XXXX XXXX : XXXX XXXX  XXXX SENT TO GM FINANCIAL c/o XXXX XXXX TO XXXX XXXX XXXX, XXXX TEXAS XXXX XXXX PAYMENT AND REQUESTING STATEMENT OF ACCONT, AND PROOF OF CLAIM. 
Domestic return receipt number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I WAS FORCED TO MAKE ANOTHER PAYMENT OF {$3100.00} IN ORDER TO GAIN POSSESSION OF MY PERSONAL PROPERTY AND AUTOMOBILE THAT HAS BEEN PAID IN FULL AGAIN AS OF XX/XX/XXXX AND XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I value your help too removed a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment XXXX you are expected to eliminate any records recorded on XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

They have no knowledge of any accounts under my SSN. as far as credit cards. I explained to them there is 2 credit cards listed under all 3 of my credit reports. I contacted them by phone again XX/XX/year> and they have no knowledge. They said they only provide prepaid debit cards. I have ILLEGAL credit cards on my report! Please remove off XXXX, XXXX, and equifax. XX/XX/year> Please remove these illegal credit cards under my name which XXXX XXXX  said they ONLY issues PREPAID cards and not CREDIT CARDS off my XXXX, XXXX, and equifax REPORT! 

This is ridiculous!! 

XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX, on advice from free legal aid in town, I wrote a letter to all XXXX credit reporting companies asking them to research things I did not understand or agree with. Experian is the only one that never answered me. I was advised to file a complaint and you can help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedu
res used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XX/XX/XXXX SSN- XXXX Email- XXXX Phone- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account that need to be removed XXXX XXXX XX/XX/XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING XXXX/XXXX  MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX/XXXX  IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX  XXXX  IN FOR TRANSUNION " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.
Product: Credit reporting or other personal consumer reports

Experian has continually failed to properly investigate and resolve my credit report disputes over the past XXXX years. Despite my repeated attempts to have inaccurate and unauthorized information corrected, Experian has ignored my requests, falsely claimed that disputes were investigated and verified, and engaged in deceptive reporting practices. 
XXXX XXXX of XXXX and XXXX XXXX For the past XXXX years, every dispute I have submitted has been met with a generic postcard response stating that the information has been " updated and verified. '' However, there has been no real investigation into my claims, and the disputed items remain unchanged. 
Experian has falsely reported that disputed items were " investigated and verified '' when in reality, no proper investigation ever took place. The continued misrepresentation of these verifications constitutes a deceptive and fraudulent practice that is both misleading and damaging to me the consumer. 
After each dispute request, Experian has updated my credit file, falsely marking disputed items as " verified and updated '' instead of properly investigating or removing inaccurate information. 
I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding Experians fraudulent practices. However, every complaint has been closed without any meaningful resolution. This raises serious concerns about both XXXX influence over regulatory bodies and the effectiveness of consumer protection mechanisms. In XXXX, 2024 I also submitted XXXX for the XXXX breach settlement, as my data was stolen and I incurred true damages thanks to Experian and they completely ignored my stack of documents sent and failed to respond or provide monetary remedy.
Product: Student loan

In XXXX, my wife and I consolidated our loans into a single FFEL Spousal Consolidation loan. This loan was recommended by our loan servicer Sallie Mae. WE had no idea this financial product even existed. In XXXX, we discovered that we would qualify for Public Service Loan Forgiveness ( PSLF ) program. WE contacted our servicer and they told us we would qualify, we need to be in Income Bases Repayment, and that we need to keep working at a nonprofit. We recertified every year with Sallie Mae ( Navient ) : XXXX, XXXX, XXXX. XXXX through XXXX I spoke to a Navient representative and she informed me that our loans would not qualify for PSLF because they were FFEL Spousal Consolidation loans. They said I could qualify if I reconsolidated into Direct Loans with Department of Education. I called the DoE and went through my loans with a DoE representative and they said that I could reconsolidate. I filled out an application and waited and was denied the consolidation, wrong loan. The DoE said I needed to talk to Navient and they could change the loan. Navient said that they could do nothing so I needed to talk to the DoE and they could change the loan. On and on and on. Neither Navient nor DoE have ever given me consistent correct information about this loan. Ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed in a data breach with XXXX there are accounts and inquiries showing up on my credit bureaus I want removed from my credit reports, this is fraud, i have filed a ftc identity theft report with the ftc, my information has been used illegally and Im tired of it, please remove all accounts that XXXX going go list on this complaint XXXX XXXX XXXX XXXX XXXX bank, XXXX co XXXX bank credit card XXXX XXXX XXXX XXXX destiny credit card Capital XXXX credit card These are actual accounts not inquiries Please remove from my credit reports and do not put a fraud alert on my credit reports Im reporting the situation to XXXX as XXXX filing this complaint to consumer financial protection bureau to help with this situation please remove all,
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of your letter dated XX/XX/2019. Although your letter is partially correct, there are some issues that have not been resolved. I will list below, again as I have written this numerous times. 

In XXXX, a representative put my account in bankruptcy, which was determined incorrect based on the telephone conversation recorded and your investigation. This change in my account resulted in my auto payment for XXXX to be removed and my account no longer accessible. You agreed to make my account current and report same with the credit bureau for XXXX, which you did. 

I was set up on the payment plan XX/XX/XXXX which I was told would remove any late notations, reduce interest rate and APR rate. This did happen and {$59.00} was made that same day. However, 2 days later it was reported late to the credit bureaus. 

On XX/XX/XXXX, Barclays took {$340.00} from my account instead of {$59.00} that I set up. I contacted Barclays customer service and collections numerous times and told it was in the process to be refunded. I never received the refund until I contacted my bank. It was not a courtesy refund from Barclays. I asked Barclays again to refund the difference and apply {$59.00} to my XXXX payment. To date, that did not happen and I made {$59.00} payment Friday. 

On XX/XX/XXXX, {$59.00} was taken from my account and cleared my bank. 

Now the problem and this is a serious problem. Barclays is reporting me to the credit bureaus 3 months past due for XXXX, XXXX and XXXX. This is grossly inaccurate. I sent documentation of the XXXX, XXXX and XXXX payments to Barclays. How hard is it to fix this with the credit bureaus? I have been dealing with this since XXXX because your employee took it upon herself to change my account status. If she had left well enough alone this would be a moot issue. 

Here is what is happening, the right hand is not talking to the left hand. All you have to do is report my account current with the Credit Bureaus for XXXX through XXXX for the payments I made. It's plain and simple. 

Four months is too long and my patience is gone. You clearly have received the payments and documentation has been forwarded to Barclays, yourself and Mr. XXXX. 

I received an email that someone would be contacting me within 24-48 hours to discuss my case. That was 4 days ago. No contact. Mr. XXXX also emailed me that someone would be contacting me. No contact has been made. You, Ms. XXXX stated in emails you tried to reach me but were unsuccessful. This is also incorrect. You have not answered any of my calls or emails until this XX/XX/XXXX letter. I have records and documentation of the dates, times and content of my contacts with Barclays, Mr. XXXX and yourself. 

This in one of many emails I have sent to MsXXXX XXXX in the Office of the President has done unanswered and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report fraudulent accounts on my report that do not belong to me. They are in violation of the FCRA.
Product: Consumer Loan

In XX/XX/XXXX I became XXXX payment delinquent on my auto loan with USAA. Upon returning to work in XXXX I called and made arrangements to pay XXXX payment and portion of the past due amount until I was current. In XX/XX/XXXX {$120.00} was applied to late charges despite my intent and misleading statement from the representative who assured me it was their process to apply payments in this manner anyway. When I realized what had happened I spoke with another representative on XX/XX/XXXX who told me this would be corrected my requesting a misapplied payment reversal. Once again the payment I made on XX/XX/XXXX a portion - {$26.00} was applied to a late charge and the reversal that was promised did not happen. After a conversation on XX/XX/XXXX in speaking with a very rude representative and her manager, they basically stated the policy is they always apply to late charge prior to allowing the consumer to pay to past and future payments. I stated this was unfair and deceptive, they stated I had no recourse ; but to accept this. In going through my pay history in order to allow these fees to accumulate there has to be a variation of this policy ; but they would not consider it. At the end of the day applying in the manner that they claim is " policy '' allows the bank to continue to incur fees on top of fees because it would take the consumer a lengthier time to become current.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to our funds. This situations raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. THank you.
Product: Credit card

XXXX Comenity Bank XXXX XXXX Ohio, XXXX I have been a XXXX holder for over ten years and have never had a billing dispute or late payment. I am extremely upset by a recent interest charge on my bill and I have spoken with your Customer Service Representative XXXX in the XXXX Call Center office who suggested that I contact you via fax. 

On XX/XX/XXXX I purchased a sofa from XXXX for XXXX on a XXXX payment plan. The purchase of the couch and the incentive plan was encouraged by a XXXX design consultant. I have continued to pay all my bills timely throughout the course of this payment plan. 

This same couch that arrived in XX/XX/XXXX was substandard in quality and the fabric was in such shabby condition that by XX/XX/XXXX, XXXX agreed to pick up the couch and replace the couch with the same couch but with a different fabric. The new couch was delivered in XX/XX/XXXX and it was delivered in a defective condition. I have been emailing and speaking with the customer service department for over 2 months at this point and have sent photos indicating the deficiencies. The couch was sent missing a leg and wound up damaging our wood floors as well as hardware underneath the couch to keep the four individual pieces together. To this date, I have not been able to get XXXX to send the appropriate hardware or send someone to fix the imperfections. I have included the emails and photographs for your review In XX/XX/XXXX, we were away and missed the mail and missed one bill payment to the credit card company. As a result from one missed payment, over {$2500.00} in interest fees have resulted for this same defective couch. We are now supposed to pay over XXXX for a couch that has been delivered completely defective twice. 

I apologize for the one missed payment and did agree that you have financial terms to your agreement, however, your company is also supposed to deliver quality items that are worthy of the cost. In this case, we have received substandard quality and I have wasted an exorbitant amount of time and money trying to remedy this situation. The finance charge of {$2500.00} on one missed payment is exorbitant and unfair and seems to take full advantage of the consumer. 

I have asked for the removal of the interest charges based upon our account history, longevity and the defective product At this point, we have asked XXXX to simply pick up the couch and refund our money and start over. We have had no response to this request. 

We are at the point where we are ready to simply cancel the card and never work with XXXX again based upon this one incident. We have asked that the credit card company reimburse the account for the interest charge billed.