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

I had a XXXX XXXX that I purchased and finace for XXXX  month and I went to a dealer XX/XX/XXXX to trade another car and thr value of my car was XXXX and I owe XXXX on my loan but the total XXXX is the total base by the XXXX  month contract becuase when XXXX XXXX. They put the total on XXXX interest on the amount u finace to the total and when I trade in the value was XXXX and the loan was XXXX so I had to rollover the differenc of XXXX but when. I trade in they can't use XXXX that amount for trade becuase that amount base the total of XXXX  month so when I trade in at XXXX  month they are using the XXXX amount of the full XXXX  year term of my old contract whencit suppose to be apr so they are rollover over my old contract future XXXX  year of interest into their new one thay fraud that XXXX adding consumer old car contract future XXXX  year total amount instead of the value by the time of trade in u adding consumer more money to finace and add interest on amount thay don't exist and on the finace paper it show they offset to my old lender XXXX and and using XXXX total XXXX  year term interest included that I have even used when I'm trading the car during the XXXX year so everytime when any consumer trade in and they use the loan amount that frauding when they adding consumer old car full loan term future XXXX  year of interest they haven't use when the finance is base on yearly XXXX XXXX and they added XXXX  year of interest on top on my new loan and make co XXXX XXXX is and pay interest on consumer old car interest amount that never used becuase when XXXX XXXX they discuss the total of consumer XXXX and if they had gap include in the full XXXX  year term and calculation the accuracy of the amount for the trade in they didn't even deduct any amount or the gap option that I brought and gave the final amount of trade in for my XXXX year instead they use the total amount of the loan of XXXX  year they intentionally have consumer trade in the car with a much higher loan balance that shouldn't even exist so I'm a victim of this ally financial using the amount of XXXX loan during the trade in my XXXX year and my new contract they added some fee for the dealer cuz they work together to structure the loan to XXXX the lender and dealer that like robbing XXXX ppl I study the contract and find out they pay my old trade in car XXXX but use XXXX amount for the balance for me to trade using consumer XXXX  year of used amount add to finace and make even more money on interest I'm file legal action for all the issue they have cause me and emotionally damage of financial of higher payment every month I had to go thru I want to go court with them
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach. I recently realized that I was a victim of identity theft when I recently viewed a copy of my credit report. I noticed that the address on my credit report was incorrect and I recently contacted the credit bureaus in having this fixed. 
On my credit report there is a charged off account from XXXXXXXX XXXX  / credit cards. 

I never applied for or got a XXXX XXXX XXXX. Neither have I ever applied for any other XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. Transunion and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense!

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer.

If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge- off, collection or similar accounts. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up on my previous complaint. The items that I am disputing are misleading and must be investigated. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX The addresses listed above are not my home address The accounts are inaccurate and fraudulent. Im seeking Litigation. 
The inquiries are unauthorized and fraudulent. 
Please delete them at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Experian has refused to freeze my or my husband 's credit report because we can not answer ridiculous security questions - for example, with what bank did we take out ( for two months ) a car loan 12 years ago. Another - who held a mortgage on our house, also for 2 months, over nine years ago. Another - to whom did we sell our last house, over nine years ago. 
I am XXXX, my husband XXXX. Experian has compromised our accounts, according to them. We can not possibly answer such, or other similar, questions. 
All transactions were by phone, so I have no written record.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have to right to privacy.

15 USC 1681 Section A-states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

152
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediatelyXXXX 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 XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX Balance Owed : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Product: Debt collection

I was offered a debt settlement option through US Bank and accepted on XX/XX/year> to be paid in full by XX/XX/year>. I paid in full the entire {$4100.00} that I owed and completed my part of the debt settlement. Now I am being told that they will not honor the debt settlement and I still owe the balance on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX is not my name this I have one address I donot live at these addresses have requested it to be remove XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Acct # XXXX needs to be deleted and removed immediately from my Equifax credit report because I did not open an account with them. XXXX failed to send proof that I opened an account. Where is the contract that I signed to agree to the terms and conditions? Your company will not put any accounts on my credit report that I did not authorize. I will be filing a lawsuit against your company as well as reach out to my Attorney General Office.
Product: Debt collection

On XX/XX/XXXX, I went to a XXXX XXXX XXXX Urgent care facility in Tucson, AZ. Urgent care was a covered expense after copay by my then-insurer, XXXX XXXX XXXX XXXX XXXX. I paid the {$50.00} copay. On XX/XX/XXXX, XXXX made two payments of XXXX and XXXX to the medicare center, a document which I have. 2 and one-half years later on XX/XX/XXXX, I received a bill for XXXX for the same claim. I had never been contacted at all in the 2 and one-half years since the visit. I called the medical center for an explanation and was referred to a billing office in XXXX, who did not have the referenced document and did not want a copy, but said my insurer did not pay. I called XXXX, no longer my insurer, who could not locate the claim. I sent a letter challenging the claim with the documentation to XXXX, and received no response. They then referred the claim to PASI Collections in XXXX, TN. I challenged the bill, again sending copies of my correspondence with the medical center and a copy of the document showing payment. They denied the claim without explanation. I am unable to understand what I am being billed for, 2 years later, and sent another letter asking for an explanation. No response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX  & XXXX XXXX. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid for my credit report expecting to get my credit score because i am trying to buy a Home. please put my credit score up ASAP. this is slowing down my process on getting a home. i have to be out of the place that i am staying in mid next month. i need this ASAP
Product: Debt collection

Company Name : IQ Data Manager name as she stated. XXXX XXXX I had been working with an agent here in regards to the debt. Over time, she would call monthly to schedule a payment. There was a month, I was unable to make a payment, but I still was able to pay it when the company withdrew the funds out of my account unknowingly after I had communicated with them. I contacted the company about it and I was rudely disrespected by an agent who hung up the phone on me the first time. I was so shocked because I wasnt treated that way by the first agent. If this is all recorded, they should have proof. On XX/XX/XXXX, I I contacted the depth collector myself as I usually do discuss arrangements about paying my debt. I spoke with a young lady who later transferred me to a manager because I had a question. The initial first time in XX/XX/2018, I was rudely talked to buy one of the agents there. I was transferred to a manager and she apologize for the agent that was talking to me very rudely. The manager name XXXX XXXX came on the phone and again talked to me abruptly as well as cut me off. She rudely kept reminding me of what my debt was. She was being very overly excessively rude and it stressed me out to the point to where I do not want to deal with this debt collector or make a payment to Them because this is the second time I have experience this and he has cause me a lot of anxiety. If I didnt want to handle the debt. I wouldnt call them. If this is the way these debt treat human beings, I never want to deal with them period. Its quite disrespectful and degrading to speak to anyone in this manner.
Product: Mortgage

Contacted ShellPoint in writing and informed them that my mortgage payment amount was not correct and if they did not correct my mortgage payment amount for XXXX, I would not be able to pay the higher payment because of them setting up a escrow account for me in error because they say they paid taxes when I sent them proof that I paid my own real estate taxes. 

I have not heard anything from Shell Pointe to make the correction.
Product: Mortgage

HSBC contacted me after the mortgage was a year behind there website never works and they will not send any statements I have paid on this house for 16 years and now they have turned the case over to an attorney
Product: Debt collection

I'm not sure what dates I should include but it started last month either XXXX or XXXX when I missed one payment with them. The amount was for {$35.00} dollars. I've already filled out the summons questionnaire paperwork that had to be turn into them within the 30 days. I faxed it in the very next day in that same week I received their summons paperwork. In the summons paperwork there was a question about how much I was willing to settle and I answered back to them {$1300.00} to pay them off completely but they are still harassing me by repeated phone calls. Please say that you can help me. I am trying to work with them. Thank you so much.
Product: Checking or savings account

Called Popular Bank on XX/XX/XXXX regarding maturing {$250000.00} 24 month CD due date XX/XX/XXXX ( originally tried calling in 7 days prior but unlike with other banks I have had CDs with was told their [ 'sticky fingers ' ] policy was to only allow redemption orders to be placed 0-9 days after maturity date - denying me interest on the float ).

Popular Bank representative took my request to transfer entire account balance including any unpaid accrued interest via ACH to my previously linked XXXX checking account. Verified all related account and routing numbers with the representative during this call. Was told the transfer would occur 2-3 busi
ness days from then ( another 'sticky fingers ' policy intended to create an unpaid float ). 

Called Popular Bank back on XX/XX/XXXX to complain that funds were not received. Was told that transfer had occurred XX/XX/XXXX and that I should check with XXXX. Asked the representative to start a trace. 

Called my personal rep at local XXXX account. Asked him to start a trace from receiving end. XXXX has since confirmed that there has been nothing sent or pending to any of my accounts matching this transaction. 

Note : this CD account was configured to sweep each month 's interest into the linked XXXX account, which was successfully done 24 times. There is no room for ambiguity about whether the correct information is in Popular Bank 's records for delivering these funds.
Product: Credit reporting or other personal consumer reports

Account is 7 years old and needs to be removed from all 3 credit reports for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical collection on my account for {$1200.00} which was not me. I have never heard from this company or have ever incurred a debt like this. I can not get ahold of the company and have tried disputing this twice with XXXX.
Product: Mortgage

owner of my loan say they can't make loan changes, and the servicer shellpoint have to make the adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off several accounts and the credit reporting agencies TransUnion and XXXX  will not update or remove the derogatory information. The accounts XXXX  and XXXX  XXXX are both paid in full. Both agencies have been notified of the pay off and continue to report as negative. I've asked for several investigations and offered to provide proof of paying it off and they still report derogatory information saying they have verified it. But I have proof of payoff. Both accounts show pay off to XXXX XXXX and XXXX that's my bank account XXXX XXXX statement so you can see both accounts are paid off.
Product: Debt collection

I have a old debt with XXXX but it was in XX/XX/2013 and this account its too old to be in my credit report. I have this debt from 6 year ago. Now this collection company is keeping calling me every single day all the time. XXXX  is taking care all my credit but still is hard because the XXXX XXXX  debt company keep harassing me every day and the account dates are not correct in my credit. Please release this debt from my credit report because this debt its too old to be in my credit report. Thanks
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX keeps updating old accounts to present time with a balance when in fact, it was closed and charged off approximately 5 years ago in 2018.
Product: Payday loan, title loan, or personal loan

I obtained a personal consolidation loan to pay off three high interest credit cards. They issued three checks made out to the card companies and I sent each of them out overnight mail. One of the checks the card company ( XXXX ) says they have n't received. I was issues a credit in the amount of {$1700.00} the amount of the check because the company was uncertain if the payment was received. A few weeks later the card company said that they had not received the payment. On XX/XX/XXXX I contacted XXXX at One Main Financial in XXXX XXXX to find out if they could make certain the check was cashed. The said yes that the check was cashed on XX/XX/XXXX. I have been back and forth with both companies over the past 3 months to find out if the check was received and cashed. The credit card company told me on XX/XX/XXXX that the payment had been received and was cashed and I proceeded to use the card for both my sins birthday {$410.00} and a down payment on a car {$500.00}. I just received a statement from the card company saying that in fact they had not received the check and my card balance is {$1300.00} over the limit. I am paying the loan to One Main Financial and  interest and late fees on the card balance and have been unable to obtain a copy of the cashed check from One Main for the past three months and they repeatedly tell me that they have requested it and they will forward it to me when they can. I phoned their main customer service office today XXXX XXXX, 2017 and was told the same thing, they will forward it when they can. I do n't know what else to do.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Information and Request for Immediate Rectification XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Connecticut XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX | XXXX Addressed To : Equifax, XXXX, and XXXX Credit Reporting Agencies I am writing to express my deep concern and frustration regarding the failure of your organization to update my credit files for an unprecedented XXXX months. This inaction has caused me significant financial losses and challenges, particularly when attempting to purchase a house with XXXX XXXX. Due to the outdated credit information, I have been unable to accurately access my credit reports from all three bureaus, leading to numerous difficulties in managing my finances. I have been in regular contact with each of your organizations, Equifax, XXXX, and XXXX Credit Reporting Agencies only to be met with uncooperative offshore agents who hung up on me and redirected me to automated systems. I am extremely dissatisfied with the lack of progress and resolution. I demand that your organization immediately rectify this situation by updating my credit files within the next 14 days. Failure to do so will necessitate legal action, which I am prepared to pursue. I expect a prompt response and resolution to this dispute. I have attached a copy of my identification and proof of address for your reference. Please confirm receipt of this letter and provide a detailed plan of action to rectify this situation. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX I submitted a CFPB Complaint ( Case # XXXX, response letter attached ) to have an account closed after multiple Citi representatives were unable to close the account. In the response letter from the CFPB this was acknowledged with the quote, " It should not have been necessary for you to contact us on more than one occasion for assistance with closing your account. ". 

In the response letter it also said " Pursuant to your request, we have processed the closure of your savings account ending in XXXX. Please note, there are no fees associated with closing your account. You will also receive a final statement, which will confirm the account is closed. Any accrued interest will be forwarded to you via mail at the address listed above. ". This is incorrect. I was given accrued interest in the account on XX/XX/XXXX and then received a Monthly Service Fee on XX/XX/XXXX. It makes sense why Citi is still receiving consent orders from the OCC as clearly they still are incapable of implementing internal controls even when their Executive Response Unit clearly outlines the course of action as a result of the Complaint which can not be adhered to.