23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiries that are listed on my credit report arent mine. I have not applied for anything at all. I also put that if anyone applies for credit the credit bureau will have to reach out to me. None of these companies called me so someone is out here applying for credit and none of The companies called to verify that its me. 


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Product: Vehicle loan or lease

On XX/XX/XXXX of XXXX, I was given vehicle loan terms from XXXX XXXX in XXXX Tennessee. I was given a car with predatory terms of 29 % + interest on a {$28000.00} car. 

Since getting the car, I have made {$25000.00} worth of interest payments and only {$2000.00} payments going the principal. 

On XX/XX/XXXX, my vehicle was repossessed out of a parking lot. While talking to the tow truck company, they informed me that I would be able to discuss options on how to redeem my car back from the financing company and that I would have 30 days to do so. 

On XX/XX/XXXX, I called into my financing company ( XXXX XXXX  ) to discuss options of redeeming my repossessed car. The first customer service representative said there was nothing I could do and would have to pay off the remaining balance of the car totaling {$30000.00}. I wanted to come to a settlement where i take care of the remaining monthly balance that was due and take possession of my vehicle back. 

It is very predatory that I have made almost $ XXXX worth of payments to a company and still have a remaining $ XXXX to pay towards the car.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested a number of inquiries that were not authorized by myself and have recollection of to be removed from my credit profile and XXXX and Equifax have not been able to provide proof of validity nor have they removed it.
Product: Debt collection

This debt for {$80.00} was paid roughly 2 years ago. I paid online, and it has never came off of my credit report. 

I trued to email into support but have never received a response and it is still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have disputed this several times. With CRC and agency. I have provided payment schedules along with letters from the CRC. Drivetime.., is the company I have my car loan with. From XX/XX/XXXX thru XX/XX/XXXX.., I attempted to make actions to pay off my loan early and thus, by recommendation of Drivetime, started making payments 1 1/2 times to 2 times required payments. However each month seemed I owed monies when I prepaid. I attempted to resolve this .., but received little to now cooperation. XX/XX/XXXX payment was collected of which Drive Time did not give me credit for and showed my car as being repossessed. At this point I requested an Audit of my account and after 3 months, my funds were finally applied. However my payments status and balance were still in question. I have tried 15 different times and at least 20 hours of phone time to try and get the payment schedule along with how my payments should have been allocated corrrected to no avail. Seems DriveTime made attempts to get it right and then will report incorrectly again and again. I have been working to get my credit straight for almost 2 years to purchase the home I currently live in. These errors with Drive Time have not only cased a monetary hardship for me but is directly affecting my ability to be mortgage ready. ( needless to say I am still renting a house I should have been able to buy several months back if this issue with DriveTime did exist. ) I am truly at a loss and really do n't know where to turn. I do have a payment schedule I requested from Drivetime, which does reflect my prepaying several months in advance. However, per my last conversation ( which I have ever conversation documented date and times ) I was told by a Drive Time customer service rep., there had been errors made to ALL customers in terms of reporting for XX/XX/XXXX and the entire year had to be resubmitted. I did ask to speak with her manager and she informed me there were no managers at her level I have XXXX basic items first, why has DT reflected 30/60 days late when in fact I prepaid months in advance.. and per serveral conversations with DT wanted these errors corrected. And I believe based on the misappropriation of my funds paid my balance is higher than it should be. I would like to have these things fixed and some kind of monetary compensation for the out of pocket expenses and hardships experienced due to these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to review and/or research any of my dispute letters. I have attached three ( 3 ) recent letters sent to Equifax and it appears as though these letters have never been investigated. I have not received any communication from Equifax regarding the status of my dispute letters. It is very disappointing that Equifax is not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from Equifax still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

I respectfully request that the ( 3 ) letters I have attached be reviewed by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question
Product: Credit card

I had an account with XXXX XXXX when i was going through a bad divorce, i fell behind and the account was charged off and sent to collections. i am now trying to settle this account with the law firm handling the collection and they are n't giving me any information, XXXX has my balance at XXXX and this law firm is trying to charge me XXXX they wont give me a break down of the charges that got them to that number and they stated that they are charging me interest on this. i would like any help you could give, the law firm handling this matter is Weltman , Weinberg & Reis XXXX ex XXXX
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Frontline Asset Strategies has called my number daily looking for an individual that is not connected to this phone number. I tell them they have the wrong number and they have continued to call even though I told them not to call again. Yesterday I was asked if I knew the person they are trying to contact. They are harassing me for what reason? I am not the person they want to talk to. Furthermore they do not identify themselves.
Product: Vehicle loan or lease

This is the same company I tried to get YOUR ( CFPB ) help on. 

You highly regulate my entire career so please help me when I need you. 

GM violated the FCRA by decimating my credit. 

If I reaffirmed the debt with them, they take payments for two years never late BUT REFUSE TO REPORT THE TIMELY PAYMENTS.. HOW CAN THEY LEGALLY LITERALLY BACKDATE LATE PAYMENTS.. This is a violation of the fair credit reporting act. 

I will contact the department of Justice with this if you do not resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to get an inaccurate, misleading statement off of my credit report but am having problems finding correct information for the creditor, XXXX XXXX XXXX. This was the second letter I sent them, the first was over 30 days ago, still with no response. Not only is Equifax reporting inaccurate and misleading information, but Equifax is also reporting inaccurate and misleading information about this creditors address compared to that which is found on the creditors XXXX XXXX XXXX profile. I have sent requests to XXXX XXXX XXXX several weeks ago, but due to the credit bureaus reporting inaccurate and misleading information, I am unsure of the true address. This is complicating and is negatively affecting my life and the life of my family who need me. The attached documents are the receipts of the certified mail I sent in attempt to reach XXXX XXXX XXXX. This was the second letter I sent them, the first was over 30 days ago, still with no response.
Product: Debt collection

Coast Professionals ( phone number- XXXX ) has called my employer along with other relatives and have made everyone aware about a debt that I supposedly have ( yesterday XX/XX/2023 ). To my relatives the representative went as far as to said they had my employers number and that they would call them. I called Coast Professionals back ( today XX/XX/2023 ) and they refused to give me any information. I told them I did not consent to calls to my employer since they do not allow those types of calls and the representative said he would proceed how he wanted and hung up on me. I called again a few minutes later and got another representative and notified them again that I did not consent to those calls specially to my employer nor my friends. I asked for written notice and the representative said they can not send me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX & Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX Experian & XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Status states Included In Bkruptcy ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) XXXX - Date Opened : XX/XX/XXXX( XXXX ) ; Opened : XX/XX/XXXX ( Experian & XXXX ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XX/XX/XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX 2 TIMES ) XXXX  ( 2 TIMES ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a car loan with XXXX XXXX XXXX and was approved in XX/XX/2021. The car was paid off in 3 months. XX/XX/2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XX/XX/2021. No contact no update.
Product: Consumer Loan

My complaint comes from the fact that Avant a personal loan company based out of XXXX, was having trouble with my payments. I was attempting to make my payments, however they were securing the funds from the wrong account. ( AN ACCOUNT THAT WAS NOT MINE )!!!!! I noticed this immediately, and called them to let THEM KNOW that they were not collecting correctly, and I was trying to make my payment. ( i Have never had so much trouble trying to convince someone to take my money ) After I called and let them know that they were making a mistake, they charged me for the interest for the " late payment ' This payment was never late, and could not have been addressed any sooner than after my scheduled date to make a payment. As soon as it was able to be fixed, I again reached out to let them know the mistake they were making. They said they would call me back. 

What they have done, is nothing, and have over charged me for a payment that was never late, and should have never been late. And to this date, there has been no issue resolved.
Product: Credit reporting or other personal consumer reports

I'm following up on my recent communication regarding accounts on my consumer report linked to identity theft. I never authorized these accounts with a written signature. I formally request the immediate blocking and removal of these fraudulent accounts from my report. 

These inaccurate entries have caused significant emotional and financial distress, misrepresenting my credit history and hindering important financial goals, including purchasing a home and providing for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

discover personal loans ref # XXXX on XXXX XXXX XXXX, I spoke with Discover loans who said I was eligible for a XXXX dollar loan based on my report and credit score. I had to upload my tax returns and schedule E. I was contacted by one of their team members XXXX shortly after i Uploaded the documents to say they could n't read them properly and they asked me to resend them. via their uploading system so they could 'hurry up and get the loan processed ' They then called me back and asked for XXXX XXXX, I uploaded this to them again and spoke with XXXX in their call center in XXXX XXXX she said she would make sure it got over to the relevant processing department, they were finally going to get the loan processed within 48 hours. 48 hours passed. I heard nothing. I emailed them. I heard nothing. I emailed them again. I have enclosed a copy of the email chain i sent them. 
Today I receive a letter from them dated XXXX XXXX! the actual day that I was speaking to XXXX, they went onto the credit bureaus and could n't process the loan! They did this BEFORE i had been approved, they had already approved my loan, they just wanted to verify my income! hence that was why i was emailing and uploading the documents. They have also given me a credit card increase and I have perfect credit! does this company even know what they are doing?????!!!
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been XXXX  months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.
Product: Credit reporting or other personal consumer reports

The delinquent payment shown on my credit report ( XXXX ) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

This company charged 599 % interest, which my uncle, who is an attorney in Ohio, states is against federal and state law. I have contacted the company several times and offered to pay back the principal only but they just keep saying that they are XXXX owned and not beholden to state or federal law but court cases say otherwise. It seems this company is subverting the law to fleece people out of ungodly interest rates. 

You guys need to act to protect consumers from this shark lenders.
Product: Credit reporting or other personal consumer reports

To whom it may concern : On XX/XX/XXXX I attempted to temporarily unfreeze my credit at all 3 major credit bureaus. I had written down all information for usernames, passwords, security questions, etc for all 3 for this exact scenario. XXXX and XXXX I had no problem unfreezing. The trouble began at Experian. 

Using the username and password I already have I was unable to sign in. After many attempts of trying to recover username and password, I eventually needed help. The only options are an automated phone service and mail. So I called the service as I am trying to buy a car on limited time and need resolution as quickly as possible. The eventual resolution for anything on the call is to visit the website or write. As I was having trouble with the online service, which brought me to calling, that was not a solution and for quickness, I couldn't mail. 

After multiple rounds of trying different numbers and different options on the call on XX/XX/XXXX, I was unable to reach any human representative that would be able to fix my problem. They also do not have an email support line mentioned on their website. I had to go to another website in order to find it. I had initially written an email there on XX/XX/XXXX as well but never heard anything back. I eventually relented and tried to " sign up '' again which I did not think would work, but it did and the website said welcome back. If a human could have been reached I think this would have been solved much quicker, but also the recovery process should have solved this too. 

Also, when going to unfreeze my credit, I saw no clear options on the site. I had to go through a service they provide for a fee and go to the disclaimers to find a link that says this is different than a " freeze. '' all things on their website say that its an easy quick flick of a button on the main page which is blatantly false since I had to delve into legal disclaimers to find the service. 

In short, Experian needs to get their act together in regards to customer support and false advertising. Thankfully I got what I needed but only because I will not be duped into buying a service that they provide for free and also have some technical experience to just try something to see if it works. A mor lay person or older generation will be absolutely confused and taken advantage of. Please investigate. 

Thank you
Product: Mortgage

I moved XXXX and put my mortgage on auto pay with OCWEN financial services. The modified my mortgage by a few dollars and notified my be us mail. They did not send me anything via email and the mail never arrived through the XXXX postal system ( not a big surprise ). For two months I underpaid my mortage by a few dollars and was only made aware when my credit reporting agency notifed me. I immediately paid OCWEN via electronic payment the balance and changed the amount. I requested then ( XXXX 2013 and again last year, and again last month for someone to review this and correct the negative report. I have received no formal decision just notices that they will contact me if they need more information. 

I would like help in trying talk to a real person there even if it is International Long Distance to try to resolve this. The negative information dropped my credit score XXXX points and is still not back up to where it was despite perfect payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$980.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o No monthly payment information o The payment history has both closed and late at the same time, which is not possible o The last payment date shows XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o The date Closed has no info XXXX XXXX o The account is closed, but still shows a balance o The balance was last updated XX/XX/XXXX, but is charged off o XXXX has last payment date of XX/XX/XXXX o Status shows as charge off, but XXXX XXXX has never sent a XXXX. 
o Shows past due, closed and charged off all at once, which is not possible Transunion o The last payment date shows on XXXX XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o Worst payment status says No Info o The account status is derogatory, but also shows never late in the times 30/60/90 days late
Product: Mortgage

MY MORTGAGE KEEPS GIVING ME THE RUN AROUND ABOUT REMOVING MY ESCROW ACCOUNT. THEY KEEP LYING AND GIVING ME DIFFERENT REASONS. I HAVE SEND MULTIPLE LETTERS, CALLS AND I KEEP GETTING NO HONEST ANSWER. I HAVE ALSO CONNECTED WITH XXXX XXXX AND XXXX XXXX HAS SAID I DO QUALIFY TO GET MY ESCROW ACCOUNT REMOVED. I HAVE ATTACHED THE LAST LETTER I SENT THEM. I GREATLY APPRECIATE YOUR HELP.
Product: Credit reporting or other personal consumer reports

Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a Method of verifying this information from credtior Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for the amount of {$2100.00}. I have never done business with this company.