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

My XXXX XXXX XXXX caught fire from the hood while I was driving on the XXXXXXXX XXXX XXXXXX/XX/XXXX. I called my insurance about my car loss ( loss on accident -fire burn ) but progressive insurance was only able to give me a written denial letter ( attached ) as I was told that I will not be able to file a claim, because I moved from XXXX XXXX XXXX about a month before the incident, in which I did not receive a notification ( I had auto payment set up ). I already junked the car as I sent someone to pick it up from XXXX and XXXX ( XXXX XXXX ) as I was told that leaving the car there might cost me {$24.00} daily. I attached the police report, car photos from the towing company before it was taken to the junkyard. I have been in touch with XXXX since XX/XX/XXXX, but they finally gave me a claim number with the below claim number last year. I need a replacement of my car since the car should be under warranty within 5 years. Please find attached with this letter necessary documents. I got the car around XXXX from XXXX XXXX ( XXXX, Maryland ). Toyota denied helping me with the attached letter I received yesterday. Also, I got a call and a letter ( attached ) from XXXX & XXXX about collection of the remaining balance ( about {$4000.00} ). Please help as I want my car back to be able to pay the balance ( The total cost is about {$24000.00}, and I already paid about {$20000.00} ). Thank you Car VIN : XXXX Reference number of form submitted to XXXX with all attachments : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus XXXX, XXXX and Experian and none of these companies are providing verification or validation of any of these items within the legal time allowed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XX/XX/year> **Experian Information Solutions , Inc.** XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX of Inaccurate Account Reporting** Dear Experian, I am writing to formally dispute the accuracy of multiple accounts listed on my credit report that I believe are outdated and improperly reported. I request the removal of these items that do not accurately reflect my current financial status. 

In particular, one of the accounts that needs addressing is associated with Cefcu and is appearing as a negative account with the following details : - **Account Type : ** XXXX ( Revolving Account ) - **Payment Status : ** Charge-off - **Worst Delinquency : ** Bad debt/collection - **Balance : ** {$470.00} - **Credit Limit : ** {$500.00} - **Credit Utilization : ** XXXX XXXX - **Last Updated : ** XX/XX/year> I believe this information is inaccurate for the following reasons : 1. **Payment History : ** I have maintained a responsible payment history ; therefore, I dispute the classification of my account as a charge-off. 
2. **Account Management : ** I have made diligent efforts to manage my account responsibly, including timely payments prior to this reporting. 

Under the Fair Credit Reporting Act, I respectfully request that you conduct a thorough investigation regarding these inaccuracies and remove all outdated or incorrect items from my credit report. 

Please provide me with a copy of your findings once your investigation is complete. I have enclosed copies of any relevant documents that support my dispute. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at XXXX or via email at XXXX. 

SincerelyXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and creditkarma and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date,, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$6500.00} DEPT OF EDUCATION/XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$3600.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$790.00} DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} DEPT
Product: Credit reporting or other personal consumer reports

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my XXXX XXXX and impacting my life negatively.
Product: Debt collection

Last Summer, I was approved for COVID-19 rental assistance. My apartment ( XXXX XXXX Apartments ) agreed to work with the program ( XXXX  XXXX by XXXX ) and we all signed the contract. They received rent in arrears via mailed check in late XXXX or beginning of XXXX. The program also pays for XXXX additional months ( XXXX ). My apartment complex 's manager didn't know about the 3 months of additional funding, so she emailed over the ledgers 3 months late to receive payment. She was supposed to email ledgers by the XXXX of every month. House XXXX explained to her that they will not expedite payment because she failed to do it on time and they work in order received. I was recently approved for XXXX additional months of rent payment. I moved out of my apartment on XX/XX/2022. I moved out for XXXX major reasons- I have a terminally ill wife, so we moved back to Pennsylvania XXXX we could be near her family again. Secondly, I couldn't stay at that apartment anymore because my apartment was charging me monthly late fees until they receive a check from XXXX. My apartment wouldn't let me make any payments towards anything because they require a full payment. Once the check was received, I would've owed a lot of money that includes late fees, water/sewer, tech amenity, etc. On XX/XX/2022 I received an email from a debt collection agency that my apartment turned over my balance to them. My apartment should not of sent anything to a debt collector and should have continued to wait for a payment to arrive.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Full Name is : XXXX XXXX XXXX. 
My Social security XXXX. 
My Date of XXXX. 
My current XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
My current phone XXXX. 
My current job : XXXX. At XXXX. 
My Email : XXXX. 
Since 2021, I requested to agency Experian to removed all my outdated personal information : Old NAMES, Old Addresses, Old phone numbers. The Agency Experian didnt want to remove them, the last time I requested it again was XXXX XXXX. On XXXX XXXX I reviewed my credit report, I discovered that nothing was removed. For all those reasons I have been denied for loans and insurance.
Product: Credit card

Bank of America decided to closure my platinum credit card which I have had for over 16 years. Even though I have made payments on the card, kept the balance low and I completely paid off the balance of {$2100.00} they still closed my account instead of rewarding my good credit card usage. They claimed that I missed payments however after calling the bank several times to fix the technical issues with the scheduled payments not coming out they did not help me fix the technical issues and about 3 payments were late but they were eventually paid and I paid late fees as well. Bank of America has not resolved the issue with scheduled payments coming out of my checking account and into the credit card account even tho online it says the payments are scheduled. I believe that Bank of America manipulated my current financial situation because I lost my job and instead of closing my other credit card which Carries a higher balance of about {$7000.00} and which had a much higher interest rate, they decided to use predatory business practices by closing the credit card account with a much lower interest rate. Its also important to know that Bank of America no longer offers the platinum credit card and over the years they have tried to close this credit card account on me which I believe is because is has a low interest rate which they do not profit off of as much as my other credit card. I am requesting to file a complaint so that Bank of America reopens my credit card and if they wish they can close the reward credit card which has a higher interest rate.
Product: Credit reporting or other personal consumer reports

Received an alert notification of a hard inquiry. I didnt authorize any inquiry onto my credit report. This needs to be removed immediately. on Experian credit report. XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting

There are XXXX accounts remaining on my credit file that are past the age of 7 to 10 years for reporting. The bureau will not delete these accounts, nor will they furnish me information as to why they are not removing the accounts.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 an 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: Student loan

I received a letter today on XX/XX/2018 from the Federal Trade Commission. However the letter was dated XX/XX/2018. The letter states that I am a customer of Ameritech Financial or a related company, XXXX XXXX XXXX XXXX  in connection with my student loans. It appears that the Federal Trade Commission has sued Ameritech Financial for deceptive practices. I have been working with Ameritech Financial for a about a year now. Every month they take {$50.00} per month to apply towards my loans to get the rate lowered. I asked Ameritech Financial where was the fifty dollars going every month. I was told that it goes into an account. I got curious again, and called FSA and told them what Ameritech financial said, and FSA said that Ameritech financial can not change the amount of loans that is owed to them. I was told that ; federal Student Aid will charge me a higher rate to pay off my loans. I also received a letter that my renewal is up in XX/XX/XXXX. If that is so, and they have been sued, then how are they going to stay in business?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX BANK XXXX Balance : {$4400.00} XXXX BANK XXXX Balance : {$5700.00}
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. 

Account name : FIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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: Debt collection

Hi, my name is Ms. XXXX XXXX. Back in XXXX I filed a complaint against Lenders Loan Company at XXXX XXXX XXXX XXXX SC XXXX. Case number XXXX. From my understanding before it was closed. I thought the Lenders Loans had closed my case, my account. Is that right? If so, I was summons again by these people on XX/XX/2019 and the magistrate papers are dated XX/XX/2019. Why are they serving me again when the case is closed on their end. I don't understand. What can be done for this company to leave me alone. I am a XXXX XXXX with severe problems and a single parent and trying to live for my kids. I been out of work off and on with health issues with myself and my young daughter XXXX XXXX   at school and fall up stairs XXXX  her XXXX.These people are really stressing me out. Can you all please help me.
Product: Credit reporting or other personal consumer reports

- In XXXXXXXX XXXX XXXX I logged onto to the Lending Point website to pay my monthly payment.

- Upon logging in you get a notice stating that they are updating their systems and that account information may be inaccurate. This notice went up XXXX of XXXX and remains up to this day. 
- I noticed that my payment amount due was higher than normal and learned it was based on the fact that Lending Point had not credited 2 previous payments. Both payments were made in XXXXXXXX XXXX XXXXXXXX. One was for the normal monthly payment and the second payment was an extra payment in preparation for early payoff. 
- I contacted Lending Point via telephone to check on the issue and that is when they informed me of the payments missing in their records. This was surprising as these payment were ACH payments made via their website. The representative told me he would send me an email and for me to reply to that email with my bank statements showing the payments. I did so, and they admitted fault for the issue and corrected my payment and balance owed. 
- At the end of XXXX, I paid my balance in full with lending point utilizing the payoff feature on the website. I notice a few days later on the site that it said I still had a balance of {$36.00} with a payment due of {$350.00}. This was obviously another records error. I was able to contact the rep that cleared the previous issue and get this corrected as well. 
XXXX XXXX I noticed that Lending Point did not report my payoff to the credit reporting agencies and in fact they had not reported to the credit agencies since XX/XX/XXXX. 
- I disputed my balances with the credit agencies realizing that Lending Point must be having more critical records issue than they have claimed. 
- Upon responding to the dispute, Lending Point did correct my balance but at the same time reported that I had a 30 day late payment in XXXX of XXXX. Obviously as a result of the Lending Point records error that I discovered in XXXX. This errant reporting dropped my credit scores by XXXX points right in the middle of a commercial real estate transaction the fell through as a result. In addition it has effected my business lines of credit. 
- Once again I contacted the Lending Point rep and let him know what had happened. He apologized and said he would do his best to get the issue corrected and to have some patience. That was XXXX weeks ago and I have been getting the runaround from them ever since despite daily correspondence sent to the rep as well and every corporate officer.

- This goes well beyond a mistake and is clearly negligence. You have a rouge lending company doing business with admitted systems and records issue who ' s errant reporting is having negative effects on peoples lives. 
- There has been a recent explosion of similar complaints that have been placed on the XXXX website so I know I am not alone in this matter. 
- I have all proof and backup for my claims. Lending Point as well as the credit reporting agencies have been provided this information as well.
Product: Money transfer, virtual currency, or money service

XXXX XXXX Transfers are deceitful. They will say that the transfer is completed. And then a day or XXXX later they will say that it was incomplete or that it needs to be funded. They take the draw XXXX. And send the money XXXX 

Theyve done this to me before, so I called them. 

I also checked my bank statement, and I reported it to XXXX, then refunded me the first time. 

But this is the XXXX time, And I have the statement attached that shows the {$110.00} that my XXXX XXXX XXXX already sent. Theyre asking me to find it again. 

They try to legitimize the transaction as an error. But theyre asking us to call them on it. And Im sure a lot of people dont even see it on their statement, or just failed to call them on it.
Product: Credit reporting or other personal consumer reports

I keep receiving an unknown person 's student loan correspondence. The postal service was " unable to forward ''. I called the loan servicer and they declared that without the account holder 's consent they could not remove my address from the account. Again, I have no contact with and do not know this person, and they have never resided at my address.
Product: Debt collection

I found out about this debt via credit alerts. I call Berks Credit & Collection and informed them I never received a statement from them nor did I receive a statement from the Original Creditor. I stated to them that they were in violation on the FCR Act. I had an attorney sent them a letter of dispute with no responds ( see attached ). I ask them for proof that they mailed me any statements and was denied. This should not be on my credit report.
Product: Payday loan, title loan, or personal loan

XX/XX/2023 I took a {$90.00} advance from money lion XXXX and declined to leave a tip since they were charging a {$8.00} fee to send money. Repayment was scheduled for XX/XX/XXXX for total of {$98.00}. on XX/XX/XXXX the XXXX was paid in full from my XXXX acct then another {$2.00} was taken. When I contacted operator they said it was for the tip. I sent them all my screen shots and they said they would credit me this time but acted like I did something wrong. On XX/XX/2023 I borrowed another XXXX from XXXX. Again without tip but set it up to be paid directly from my money lion acct. To be paid back on XX/XX/2023. I received 2 {$5.00} boosts so it brought the total owed to {$100.00} with fees. So the XXXX was debited then another {$2.00} charge. Once again they say it's from the tip and once again there was never any tip scheduled. They say there crediting my mistake but how can they keep doing this. And if I'm not the only one this is happening to they are making load of money that there stealing
Product: Checking or savings account

Please see the screenshot I took on XX/XX/XXXX at XXXX XXXX. XXXX. before sending the email to Sofi on that same day inquiring about the missing points for the recurring crypto purchases made on XXXX, XXXX, XXXX & XXXX. At that time the terms for the crypto did not specify a minimum purchase of {$10.00} as they do now. If they indeed did change the requirements on XXXX, they had not updated the verbiage publicly as of the XX/XX/XXXX email I sent.
Product: Credit card

I have had several issues related to my JPMorgan Chase Business Credit Card. 

XXXX. During the pandemic they offered a relief program to me. They offered to waive a certain amount of payments and then came back and decided not to waive the last payment that they advised that they would as a result I was charged numerous late fees. 

XXXX. Most recent issue- Due to the above issue and in an effort to get the account back current and avoid the monthly late fees, I agreed to a pay back program back in XXXX and signed up for what was told to me to be a required monthly automatic ACH payments. The payments were made monthly with no issue for almost 2 years. In XXXX XXXX I contacted customer service, one, to try to see if there was a different payment plan/settlement option available due to the business no longer being in business, I was told no. Next, I requested to update the bank account on file. I was told on the call that they were having system/technical issues that week and as a result they could not remove and/or add a new bank account. They requested that I call back in a couple days, in which I did. I called at least XXXX more times on different days requesting to remove the existing bank account from automatic payments. Each time, I was told the lie that there were having system issues. 

Fast forward, I contacted my bank ( non Chase ) to try to stop the payments and at that time I was advised by my bank that JP Morgan Chase was not doing a normal ACH draft, that they were drafting checks, creating check numbers and as result there was no way for my bank to stop them from making drafts from my account. My bank advised the only option for me was to close my entire bank account and get a new account/account number. I contacted JP Morgan Chase one more time before doing this and I was still told they would not remove my bank account from the automatic drafts. As a result, I had to close my entire bank account, in which I had for YEARS. 

At this point, I feel that JP Morgan Chase has utilized illegal tactics to obtain monthly payments. I am not comfortable with providing JP Morgan Chase with my new bank account number as I do not want JP Morgan Chase to draft checks off of my account and then I know they will refuse to allow me to remove/make any changes. I do not want to have to close my bank account again. By the way, I was told that I had no choice but to sign up for automatic payments. 

JP Morgan Chase has left me with no options to pay the bill, is reporting me negatively to the credit bureaus and the reporting is not accurate.
Product: Debt collection

I feel taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its immediate removal from my credit report.
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. 

XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights. 

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 an 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.