23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Chase Auto Finance- In XXXX 2011 we purchased a vehicle and were offered an outrageous rate. We were desperate at the time and excepted. We recently got behind on payments do to a job lay off. I had been in contact with the bank and made a payment XXXX XXXX. They asked me my plan for getting caught up and I let them know I would making over he min payment until it 's caught up. It was XXXX payments behind. They were fine with that and we moved on. This past Sat I came home to it being repoed. I jumped on the phone asking what was going on and they said that they have n't been able to get ahold of us and that they have been calling and sending letters for XXXX months. I tried to make the entire past due payment and they refused it. I updated my address and phone back in XXXX when this all began. They claim to have been calling me for XXXX months .... I spoke to a rep on XXXX XXXX that processed my payment for me. They claim to have sent letters but to an old address and that they did n't have the new one yet the driver was at my house. I also have to verify my address every time I call in and for them to process my credit card payment. The loan was originally for $ XXXXk and change. My last payment paid off the principal balance plus some. Coincidence? I still owe over $ XXXXk. This loan was never meant to be paid off and they knew that. It would be impossible. On Monday I went to log into my online account and they had already deleted it from the system. Please let me know if there is anything we can do. Thank you!
Product: Debt collection

I had a capital one credit card but I have paid and closed the account. It is showing in my credit report the facts.
Product: Debt collection

Some used my social security number to get a XXXX account ( fraudulent account ) and did not pay. I contacted ERC informed them it was not my account to remove it from my credit. They requested proof with my credit report, ID and SSN. They informed me via email I would receive a claim packet to complete in order for them to investigate to remove the item from my credit report. After waiting for a week I received no claim packet. I contacted organization again and am given excuses they can not discuss it with me because its not my account. It should be removed from my credit but they refuse to investigate and to remove the item.
Product: Consumer Loan

I was unable to make my regular scheduled payment and had notified the branch office where my loan was obtained, as you must deal with the location that issued the loan. The branch thanked me for notifying them and indicated since it was so close to the end of the month, my loan would likely move from their office to the corporate office. Just a few days later, " the corporate office '' contacted XXXX phone numbers, only XXXX of which was my business phone number. When I questioned why they had called XXXX different numbers, some of which are in no way associated with me, I was told " because you were n't in touch or responding ''. When I said I had just been in touch with the branch office less than 1 week ago, the individual said " do you wish to file a complaint? ". I had responded affirmatively, as there was no reason for 6 calls in a short period of time on the same day to all different phone numbers. About 1 to 2 weeks later, I was notified the issue was with the Executive Customer Care team. I heard nothing further. A few weeks later, I was notified the case & complaint had been closed. I immediately sent an email to the person assigned to the complaint. He then called me and told me he had left me a message and I never returned his call. When I told him there was no call from him and I had proof, he went on to explain they have access to a database or something similar that provides possible related phone numbers. I again reiterated, 1st he never addressed my complaint, 2nd, he never made any contact with me prior to that day. He stumbled & stuttered in an attempt to cover up his failures. When I questioned him in regards to the outrageous number of calls, especially when I had been in touch with the branch just days prior to this event and if contacting all these numbers was just an attempt to humiliate and intimidate me. He did not deny my accusation, just once again reiterated the database with possible related phone numbers. It was clear I was not getting any resolution from the " Executive Customer Care '' team. I had indicated at that time that I would file a formal complaint against Springleaf Financial. He assured me, despite my decision, they had removed any of the potential phone numbers associated with me and would only contact me on the phone number I had provided. Subsequently, Springleaf has once again contacted phone numbers other than mine, indicating they can not contact me and " have an important business matter to discuss with me ''. If this is n't harassment and humiliation, I honestly do n't know what else it could be.
Product: Credit reporting

XXXX denied my application for their store card and gave reason asEXCESSIVE AMOUNT OWED ON ACCOUNTS. 
This is untrue, as shown in Experian 's report, as all my accounts are in good standing. 
As for My Personal Statement, the options to pick related reasons had no OTHER on them. I was forced to check a box that did not describe my dispute. To continue the dispute, I checked the DELINQUENT box. My reason for the dispute is stated above. My statement should be deleted from the report as I checked the box incorrectly.
Product: Bank account or service

Scottrade does not properly protect confidential information. Specifically, and according to Scottrade 's CIO, in XXXX and XXXX, Scottrade experienced a data breach which effected roughly XXXX XXXX customers. This is a huge problem in its self, however, Scottrade 's handling of the situation is even worse. 

Scottrade released a press release that seriously construed the facts and made it look like only Scottrade Brokerage customers were victim of the attack. However, this can not be true. According to this link, http : XXXX, as well as Scottrade 's own documents, Scottrade Brokerage only has XXXX XXXX customers, less than the XXXX XXXX customers who were hacked. 

As a result, Scottrade has deceptively shared false information and adversely effects individuals who were customers of Scottrade Bank and or former customers of Scottrade. These XXXX categories represent nearly XXXX or XXXX XXXX customers in which Scottrade failed to notify and false stated that they would have no problems. 

I am writing today to complain, specifically, Scottrade purposely sent out false information and is refusing to contact all of the individuals who has their personal information compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmed XXXX balances on student loan accounts XXXX, XXXX, XXXX STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : US DEPT. OF EDUCATIO THIS CREDITOR IS CURRENTLY REPORTING A XXXX BALANCE FOR THIS ACCOUNT. Trade : US DEPT. OF EDUCATIO THIS CREDITOR IS CURRENTLY REPORTING A XXXX BALANCE FOR THIS ACCOUNT. Trade : US DEPT. OF EDUCATIO THIS CREDITOR IS CURRENTLY REPORTING A XXXX BALANCE FOR THIS ACCOUNT. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com.
Product: Credit reporting

I do n't know if I XXXX off Experian or what but they are taking out revenge on me by altering my credit report. ( 1 ) Experian credit report shows XXXX XX/XX/XXXX in good standing, last date use XX/XX/XXXX paid and closed/never late. The XXXX account has been in good standing for over 8 years ( 2 ) Experian credit report shows XXXX XX/XX/XXXX is now a negative remark. The only different between the two reports are first report date and date of credit report and one report says never late. Experian is re-aged and making up XXXX causing this negative account I do n't if Experian is doing out of meanness to hurt my credit score by changing crown diamonds original date making from a good standing account to a negative account, I bought a ring set for my wife never missed a payment and paid it off and never used the account again I am at lost of words of how this gross error could happen in the first place. Re-aged, inaccurate and making changes on my credit report out of thin air are all illegal and serious violation of FCRA laws.
Product: Debt collection

XXXX XXXX XXXX keeps reporting a debt that is not mine. I have disputed the account with the credit bureaus and directly with XXXX XXXX  XXXX. XXXX XXXX XXXX keeps sending me " Validation '' information of the alleged debt to XXXX XXXX. This documentation clearly list an address where I have never lived or otherwise had no previous knowledge of its existence ACC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX has violated my rights XXXX U.S.C XXXX section XXXX A states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer reporting agency can not Furnish a account without my written instructions I Asked the Credit Bureaus to do a verification of everything on my credit report and they did they said everything on it is accurate on my credit report they stated it was accurate after they did there own investigation I Did a thorough research my self and I found out improper inaccurates on my credit report even after they did there research on this account thank you company name : XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I opened an account with Sync bank/ tjx credit card the account was closed on XXXX, XXXX, XXXX. I got a derogatory remark on my credit report stating that this account got sent to collections however i was never notified about this debt and never received the bill. I would like to address this immediately and get this negative mark removed from my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with REGIONSBANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I sent my FTC letter Transunion and they did nothing please remove the fraud from my credit report!
Product: Checking or savings account

I was notified via email at XXXX MST on XX/XX/XXXX that my Wells Fargo checking account was closed on XX/XX/XXXX. At XXXX, XX/XX/XXXX I called Wells Fargo 's XXXX and spoke with a customer service representative that was unable to make sense or provide detail on why my account was closed. Later that same day, I went to a branch location to further troubleshoot why my account was closed. No answers were provided other than that it definitely looked like the account " was closed in error ''. My issue was elevated to Wells Fargo 's resolution team. I have yet to receive information on why the account was closed. 

The lack of communication to avoid the closure is most frustrating ( and the fact my pay had been going here for 2+ months ) ... the timing my account closure was the week before XXXX ... and although it was closed on Tuesday I was not properly notified until Thursday. Because of this delay I did not have an adequate amount of time to stop my employer 's direct deposit to this specific account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX IN # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX, NA # XXXX Account Name : XXXX, XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported XXXX late payments to the credit bureaus which is not accurate and instead of reporting payments as current, they provided me XXXX letters confirming the dates of our deferred payment plans and assigned me, the consumer, the responsibility of making the dispute to the credit bureaus for their violation of reporting accurate account information. 

I used these letters end of XX/XX/2022 to dispute the late payments that were inaccurately being reported to the credit bureaus via Consumer Financial and certified mail. I have evidence that shows that Transunion had brought the account to current and then immediately reposted the same inaccuracies XXXX week later, and adding another inaccurate reporting of an increase of the balance, bringing my XXXX XXXX down XXXX points. 

Being that a compromised credit report and low XXXX XXXX can also compromise living qualifications such as housing, transportation, and more, this deliberate neglect and malpractice is costing more than {$1000.00} per violation. I am building this record of malpractice to the government agency 's records of the misuse of my credit reports. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX and TransUnion, 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.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have enclosed in the attachments, the previous dispute through Consumer Finance, as well as the screenshots through XXXX XXXX 's current Transunion credit report of the XXXX XXXX XXXX XXXX account to support my claims, as well as the current balance through XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, LexisNexis is required by law to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as the fair credit reporting act states in 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Information SHALL NOT INCLUDE specific factual information ON a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 15 U.S. Code 1681a - Definitions ; rules of construction. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I DID NOT GIVE LEXISNEXIS WRITTEN PERMISSION TO ADD A BANKRUPTCY TO MY CONSUMER REPORT. The next law states that very clearly.15 U.S. Code 1681b - Permissible purposes of consumer reports- 15 U.S Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency MAY furnish a consumer report under the following circumstances AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LexisNexis is exercising unfair practices and violating the F.C.R.A. because I have not and will not give a consumer reporting agency permission to put anything on my consumer report. As a consumer I want the bankruptcy DELETED from my consumer report IMMEDIATELY. I have attached document for proof because LexisNexis is reporting this to XXXX, XXXX and XXXX without my CONSENT as well.
Product: Debt collection

CCI ( Contract Callers Inc. ) is reporting and attempting to collect a debt allegedly owed to XXXX XXXX XXXX XXXX XXXX ). However, XXXX has a binding arbitration agreement in place, which requires disputes related to this account to be resolved exclusively through arbitration, not through third-party collection actions or credit reporting. 

By engaging CCI to collect and report this debt, XXXX and CCI are circumventing the agreed-upon arbitration process. This action violates the terms of the binding arbitration agreement, deprives me of my contractual rights, and subjects me to unnecessary stress, potential damage to my credit score, and unwarranted collection efforts. Additionally, CCIs reporting of this debt raises concerns about whether they have sufficient documentation or lawful authority to collect this debt under the binding arbitration terms.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing negative accounts with the bureaus and have yet to hear from any of them. I have items on my credit that are not accurate and they need to be removed. Under the law, they're supposed to respond in 30 days and it has been over 3 months. I have attached the latest letters sent to you please respond.
Product: Mortgage

On XXXX/XXXX/15 Ocwen Loan XXXX receipt of {$24000.00} for XXXX/XXXX/15 " contractual payment for {$8900.00}. " On XXXX/XXXX/15 the funds were presented to your banking institution for payment ''. " There was an instance were the XXXX for some reasons was not able to read the details off the check, which caused the check to result in a chargeback ''. Ocwen ACTS and ERRORS caused them to CHARGE ME A LATE FEE of {$440.00} and send a XXXX/XXXX/15 " URGENT DELINQUENCY NOTICE TO AVOID FORECLOSURE ''. ( Page # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 around XXXX XXXX, I purchased a XXXX for {$300.00} at XXXX with a personal check. The check was declined by Certegy ( XXXX ) a third party that XXXX uses to ok checks. The phone system tells you your information is only on file for 21 days. I spent three days trying to navigate the telephone menu before I was able to speak to someone. I was told I would receive my information in 16 business days. That will be too late to file a complaint with Certegy. Certegy needs to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY REPORTED TO YOU THAT EQUIFAX IS REPORTING A MACYS ACCOUNT ON MY CREDIT REPORT THAT I DISPUTED ORIGINALLY IN XX/XX/2018 THEY NEVER GAVE THE RESULTS OF THRIR INVESTIGATION SO I RESUBMITTED A REQUEST TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT AGAIN THIS TIME USING YOUR SERVICES EQUIFAX RESPONDED TO YOU ON XX/XX/2018 AND SAID THAT A REINVESTIGATION IN PROCESS ON SATURDAY XX/XX/2018 I RECEIVED A LETER FROM EQUIFAX STATING THEY RECEIVED THE REQUEST CONCERNING MY EQUIFAX FILE BUT THE IDENTIFICATION INFORMATION I PROVIDED DOES NOT MATCH THEIR RECORDS AND TO PROPERLY ASSIST ME THEY WOULD NEED ADDITIONAL INFORMATION TO VERIFY MY IDENTITY AND CURRENT ADDRESS AS I BEGAN TO GET THE DOCUMENTATION READY TO SUBMIT TO THEM THIS MORNING ON XX/XX/2018 AT XXXX XXXX I RECEIVE AN EMAIL THAT THE INVESTIGATION RESULTS ARE IN AND THE SANE ACCOUNT STILL REMAINS ON MY ACCOUNT. HOW CAN THIS BE POSSIBLE WHEN THEY DID NOT RECEIVE THE INFORMATION FROM ME WHICH THEY REQUESTED ON XX/XX/2018 THAT I RECEIVED BY POST OFFICE MAIL ON XX/XX/2018 TO VERIFY MY INFORMATION AND IDENTITY. AGAIN EQUIFAX IS FAILING ME AND NOT PROPERLY INVESTIGATING THIS FRAUDULENT ACCOUNT AND REMOVING IT FROM MY CREDIT REPORT. SOMETHING NEEDS TO BE DONE ABOUT THIS EQUIFAX AGENY THEY ARE FAILING US WITH THESE ILLEGAL PRACTICES OF NOT FAIRLY INVESTIGATNG FRAUDULENT INFORMATION BEING PLACED ON CONSUMERS CREDIT REPORTS