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

I was ripped off is what happened. In 2014 I needed a car. Found a place that works with you they go thru credit acceptance. It was a lemon had nothing but problems with the car. Contacted the dealer multiple times to make it right. And he refused to. I called credit acceptance to complain. They said too bad I didnt call before the first 30 days were up that I signed contract cause I couldve returned car without being held responsible for paying for the car. But because it was after 30 days I still had to pay for it. Nobody tells you that in the first place. I felt like I had no choice so i paid for the repairs. I kept paying payments then few months later or so the transmission went. I was so fed up I called credit acceptance and told them to come get the car. I was surrendering it. They told me they would sell car at auction and I would have to pay remaining balance. months later I was finally sent a letter saying they sold the car for {$1.00} and I owed them approximately {$3600.00} I wasnt paying that much for a lemon. I had already pd thousands towards it between payments and repairs. They send it to collections and this lawyer was gon na submit paperwork to garnish my wages so I agreed to start paying. I didnt pay much but tough times happened and couldnt pay anymore. Then I get a letter from local sheriffs department saying they are involved and if I dont pay they were garnishing my wages. So I paid little more. Again I couldnt keep up. Today I was contacted by HR that the sheriff dept did place a wage garnishment against me, gon na start taking 10 % every 2 weeks starting next week. I feel so disgusted I was ripped off from the beginning. Shame on credit acceptance for completely taking advantage of people who thought it was legit and not making it right. I cant afford what theyre doing to me. how do I get thru this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX  accounts # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 section 602 A. States that 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 consent If you have any questions or concerns I can be reached at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent inquiries to my credit report and not removing them. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Is and fraudulent inquiry XXXX  XXXX XXXX XXXX XX/XX/2021 is and Fraudulent inquiry XXXX XXXX  XX/XX/2021 is a Fraudulent inquiry
Product: Credit reporting or other personal consumer reports

Clear fraudulent accounts from my credit report, as they appear to have been added without permission.
Product: Credit reporting or other personal consumer reports

Dear XXXX I am writing to report a serious issue with my credit report that has not been resolved by XXXX despite multiple attempts to rectify the situation. I have sent several letters to both credit reporting agencies regarding inquiries and accounts on my credit report that are fraudulent and have been opened without my consent. 

Among the inquiries that are listed on my credit report, there are XXXX accounts related to XXXX that I did not apply for. These accounts are clear cases of fraud and identity theft, as I have never had any dealings with XXXX nor have I ever applied for any services with them. Additionally, there is another account related to a bank that I did not apply for. 

I have provided detailed information in my letters to XXXX and Equifax, including the name of the person responsible for these fraudulent accounts, who is my cousin named XXXX. Despite providing this information and requesting that these accounts be removed from my credit report, they have not taken any action to address the issue. 

I am deeply concerned about the impact that these fraudulent accounts are having on my credit score and financial well-being. I request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to ensure that these fraudulent accounts are removed from my credit report promptly. 

I have attached copies of the letters that I have sent to XXXX and Equifax for your reference. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your assistance in addressing this serious issue.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX, On XXXX/XXXX/XXXX I called Discover customer Service and was told that my Credit Card was canceled. I had just made a payment of XXXX. I struggled to make payments back in XXXX due to a job loss. I was able to eventually get caught and have been making payments on time for about 2 years, my card available balance was not made available to me for about 2 years and also my card was restricted from my personal use, I was told this would only be for a short time. I feel that I was lied to so that discover could continue to receive payments from me. when I called on XXXX/XXXX/XXXX I was told a letter was sent out to me verify that my card had been canceled. I have never received a notice in the mail nor an e-mail or anything about this. I have also have been paying extra on my payments in the last year. I do n't think this is fare because closing this account will affect my credit. Discover advertise false advisement on how much their customers are important. Please help!!!!
Product: Debt collection

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Product: Debt collection

On multiple occasions I have had contact about this debt. Previous to this I mad all payments on time and in full until my purse was stolen. I called the original company years ago. I thought the issue was resolved until I found it on my credit report, I again stated my purse was stolen and I did tell the original creditor.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX I previously submitted a dispute to transunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Mortgage

RE : Complaint Number : XXXX To Whom This May Concern, This letter is a follow up to the above mentioned complaint, which the file may have since been closed. Your correspondence dated XX/XX/XXXX, contacted me regarding notification of the CFPB to US Bancorp due to my complaint to XXXX XXXX XXXX 's office. I did receive a letter dated XX/XX/XXXX from US Bancorp explaining the lengthy process. Within the letter, I was " assured that the remainder of the process would be expedited for a quick resolution. '' I also received a Short Sale Contract Approval letter dated XX/XX/XXXX. The buyer ( XXXX XXXX ), signed a Residential Sale Contract on or about XX/XX/XXXX. By the date of the Approval, she was unable to wait, an agreement to release was signed and she bought another property. 

The agent, XXXX XXXX, contacted US Bancorp and my application was closed. The short sale process started for a third time with my new agent XXXX XXXX, the property was quickly marketed and XXXX XXXX, is the buyer. The attorneys for US Bancorp put the property up for a foreclosure sale requesting me to pay the full and original price, in the midst of us await for the third renewed application process. 

US Bancorp reviewed the information and cancelled the foreclosure sale. The file was reopened, reassigned to a processor and there were no additional documents needed as of email from XXXX XXXX dated XX/XX/XXXX. As my agent, the buyer and I were assure of a " quick resolution, '' a Sale dated was scheduled for XX/XX/XXXX. The date has not only passed but the file, according to XXXX XXXX is still with the processor. The unnecessary delays cause documents to become dated and then the file is " concerned '' to having missed documents that need updates. 

I am hoping that the CFPB will review the above, contact US Bancorp and finally bring this matter to the promised " quick resolution, '' before the buyer is forced to withdraw. Thank you for your attention, I look forward to hearing from your. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft and to request immediate action regarding fraudulent accounts and inquiries that have appeared on my credit report. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit file : Fraudulent Accounts : 1. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$660.00} 2. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} 3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} 4. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} 5. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} 6. XXXX  - XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} Unauthorized Credit Inquiries : 1. XXXX  Date of Inquiry : XX/XX/XXXX 2. XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My student loans, account number ( s ) : XXXX for the amounts of : XXXX. {$2300.00} XXXX. {$4000.00} XXXX. {$1200.00} XXXX. {$1600.00} are reporting as " closed '' on XXXX when they should be reflecting a " open '' " payed as agreed '' and / or " payments don't begin until XX/XX/2025 '' as shown on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this XXXX account in XXXX when I was working full-time and overtime. 
In XXXX, I lost that job and I fell behind in my payments. 
In XXXX when I was able to make payments again to bring my account up to date, I was unable to make an online payment so I reached out to XXXX XXXX. 
When I spoke with the representative, she said she could not take a payment because the account was closed. 
Since XXXX, I did not receive any letters letting me know my account was in foreclosure. I made sure XXXX had my mailing address. 
XX/XX/XXXX Unfortunately, I had to move this year because I lost another job due to the Covid19 Pandemic. My XXXX records are missing so I can not provide much payment or communication information to support this dispute. 

Please help me. It is very important that this foreclosure dispute with XXXX gets resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Transunion has ( 2- XXXX  XXXX accounts reporting ) : [ 2nd account ] XXXX and XXXX only of XXXX. [ 1st account ] 60 days late XXXX XXXX, 90 days late XXXX XXXX 120 days late XX/XX/XXXX. *Transunion also has a XXXX XXXX XXXX XXXX account that has ( 2 ) late payments on it. Late payments need to deleted and account needs to be updated to paid on time. According to : XXXX15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } - Transunion : - The ( 2 ) XXXX XXXX XXXX XXXX - XXXX XXXX My Privacy is everything and the Consumer Reporting Agencies must protect it in accordance to 15 USC 1681 ( 4 ). But, they don't, they have allowed the reporting of any and every account without my written consent.
Product: Credit card or prepaid card

My credit information was stolen and used at different locations out of state in XX/XX/XXXX and XX/XX/2019. I was given credit for XX/XX/XXXX but not for the transactions in XX/XX/XXXX. I have attempted to resolve this issue but the credit card company refuses to reimburse the amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding late open accounts account on my credit report and express my frustration with the several unsuccessful attempts to have it corrected. Despite previous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing.

Since discovering the late open account account on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved.

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open account account from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address this matter. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX through XXXXXXXX XXXX XXXX The vehicle was totaled by a party that unfortunately XXXX XXXX XXXX XXXX XXXX XXXX 
Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through XXXX, XXXX XXXX, Equifax, and XXXX on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. XXXX never responded at all. I sent out certified letters, requesting all information and regard to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with Equifax about a fraudulent bank raptly that is reporting on my credit report I have sent in a police report and FTC report. All I ever get is disrespectful people on the phone not willing to help me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, bank fraud, computer intrusion and hacking. The hackers accessed my information and changed my phone numbers to another carrier and I don't have access to verify my identity to review the fraudulent accounts that were opened,
Product: Debt collection

Cooling & Winter ATTORNEY AT LAW XXXX XXXX XXXX XXXX GA XXXX Is sending me collection letters to collect on a discharge debt. 

XXXX XXXX is the original creditor that keeps giving these collection companies my discharged debt. 

This is the 3rd collection company that has contacted me. 

I am tired of responding but I have to in order to keep them from Attacking my credit. 

XXXX XXXX also reported my debt as a charge off instead of a discharge although the account was never late before discharging. 

It seems XXXX keep selling my information
Product: Payday loan, title loan, or personal loan

1. I took out a loan with NetCredit. LACK OF TRANSPARENCY REGARDING PAYMENT ALLOCATIONS 2. Along with the loan, came an amortization schedule outlining how payments would be applied -- how much to interest and how much to principle -- for each payment, over the life of the loan. 3. I've made at least one early partial payments and one full payment ahead of the original amortization schedule. 4. I made several late payments behind the original amortization schedule. 5. On XXXX XXXX, 2020, I made a payment and was distressed to see that it did not seem to bring down the principle balance on the account. I was given a total balance that was higher than the principle balance, but when I log in to my account it only gives the principle balance. 6. I called Net Credit on XX/XX/2020, and I requested to find out how much of each of the five payments I had made so far on the account had been applied to principle and interest. The representative said she could not provide me with that information, but that she would send me a new amortization schedule by email. 7. The new amortization schedule did not arrive by email. 8. Today, I  called to follow up regarding the missing amortization schedule. I spoke with XXXX and asked for a supervisor. XXXX transferred me to XXXX. 9. XXXX   emailed me with the payment application information for the first five payments, which I received. 10. I asked to make a debit card payment and XXXX  transferred me back to XXXX, 11. On today, I made yet another payment with XXXX, which was all completely applied to interest, with no transparency about where my money was going. The allocation of the payment was this time revealed to me upon request. 12. Upon learning that there had been no principle reduction yet again, I asked XXXX for a supervisor. 13. I was disconnected. 14. XXXX called me back and transferred me to XXXX, a manager. 15. I began telling XXXX what was going on, then I was placed on hold with no warning. I disconnected the line, and XXXX has not called back.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified two inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX. XXXX, 2024 I must emphasize that neither XXXX nor XXXX, prominent credit bureaus, have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ).

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services.

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciate
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.