23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I was contacted this morning regarding my delinquent auto loan. I am past due {$460.00}. I have been asking for a deferment on this payment for months. Every time I contact the company asking for assistance I am told no. So I have continued to make my required monthly payments. Today, I was contacted by a representative and was told the my car was actively out for repo and that I had to make a payment or they were coming to get my car immediately. So I set up a payment that I can not afford. Shortly after this phone call I received an email from the company offering me a deferment on my past due payment. So I called back hoping for some assistance and I spoke a representative by the name of XXXX. I advised him of the email that I received and expressed that I would like to take advantage of that offer. He told me that the email is just a suggestion and that my account did not qualify for a deferment. I told him that the email stated that I did. I then requested to speak with a manager at which point he told me that he would submit my account to a manager queue and a manager would call me back at some point. XXXX representatives were extremely unfair, deceiving and abusive. The representative by the name of XXXX stated, " Go ahead theaten me, I ai n't doin ' nothin ' wrong. '' when I advised that I needed to speak with a manager.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX
Product: Credit card or prepaid card

I  have an account through synchrony bank for a credit card for Mens Warehouse. The issue is with synchrony. They have intentionally made it nearly impossible to pay on their account. The website to make payments on is a random series of letters and numbers, which no one could ever guess. Of course, no one at the company knows the name of the website either ( it is NOT synchrony.com or menswarehouse.com where you pay ). After weeks of fighting with them to figure out where to pay, you then can not access your account without the account number. Want to know what it is? They will not tell you. They claim their rules prevent it. They will tell you to log into your account and check your statement. Of course, you ca n't log in without your account number to view the statement with your account number, so good luck with that. They offer to send e-bills, but of course they do n't include the full account number so you still ca n't log in. After not being able to pay for 3 months, and having 3 late fees added to my account and interest, someone from their collections called to ask why I was not paying. I told them, and they told me my account number. I mean, seriously? They could n't have told me one of the other dozen times I called them? But wait, that still did n't work. The account number is 16 digits, but the system only accepts 11 digit numbers. Of course, everyone at synchrony claimed to not be able to help with that either. I finally called their fraud department ( I was just calling everyone at this point because I was desperate to get a delinquent account off my credit report ), and they told me they had heard of this before, and to try the last 11 digits of the 16 digit account number. I was finally able to access my account and make a payment. Now, I have three late fees on my account, and they agreed to take off one ( how nice of them after giving me the run around for three months to agree to only rip me off twice instead of three times ). This is obviously being done on purpose. No one is this dumb.  They could tell you the website to pay on but do n't. They could tell you your account number, but do n't. They could tell you which  11  digits of that number the website is looking for, but they do n't. They could take your payment by phone, but want to charge you an extra fee for that. They have intentionally made it impossible to pay in order to rack up late fees and interest charges. Please stop these scam artists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert of a new address tied to a closed account alert from Experian. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called EXPERIAN several times to ask them to correct my personal information because its incorrect, they have stated several times that they can not remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT ... .I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now XXXX is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear agency please help me XXXX not responsible of those inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed few items of my Equifax report and it wasnt taking off my report and I believe they havent received the documents to remove the account and Ive been waiting for over 30 days and each time I call a overseas Equifax customer care the line will be disconnected few times on purpose and each time dispute the item it would take longer than 30 days to dispute it ... 

The items are currently in dispute are XXXX XXXX XXXX XXXX And XXXX XXXX   And I have a copy of the FTC report
Product: Mortgage

mailed check on XXXX/XXXX/XXXX for {$3300.00}. was rcvd on XXXX/XXXX/XXXX. posted on XXXX/XXXX/XXXX. Ocwen split payment - {$2300.00} to Principal, {$590.00} - Interest and {$430.00} to Escrow. then Ocwen says it was n't a full payment & marked it delinquent. on XXXX/XXXX/XXXX Ocwen sends stmnt for XX/XX/XXXX, stating Amt Due is {$1000.00} ; which is {$2300.00} less than normal. is it a coincidence that it is as short almost as much as the amount Ocwen split off my prior mos pymt and put to Principal? I think NOT. I called Ocwen to find out and the lady I spoke to kept on about how I needed to send {$5.00}. send it tonight. then Ocwen marks it as incomplete and 2 mos delinquent. on XX/XX/XXXX placed the {$1000.00} into Suspended funds. on XX/XX/XXXX they canceled the transaction on XX/XX/XXXX that placed the {$1000.00} in suspended funds and placed the {$1000.00} into Suspended funds! [ no idea ]. removed the {$2300.00} from Principal and sent to suspended funds. then when the {$5.00} arrived it made a full pymt and Ocwen used it to pay my XX/XX/XXXX payment. they pocketed the {$590.00} and {$430.00} that they said paid Interest and Escrow from my original payment they rcvd on XXXX/XXXX/XXXX. then on XXXX/XXXX/XXXX they canceled the XX/XX/XXXX transaction that canceled the XX/XX/XXXX ttransaction that replaced the XX/XX/XXXX transaction, but this time Ocwen shorted the full pymt, I had made for XX/XX/XXXX, by XXXX penny from the amount normally allocated to Escrow and sent that penny as an escrow payment on that same day [ no idea ]. then on XXXX/XXXX/XXXX Ocwen cancelled the XX/XX/XXXX transaction that cancelled the XX/XX/XXXX and XX/XX/XXXX transactions that replace the XX/XX/XXXX transaction almost a year later only to put it in again on XXXX/XXXX/XXXX the same way it was entered on XX/XX/XXXX [ no idea ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Use of alias names. Not used by me. Someone's error in using my name. 
Repeated information about one account using multiple account numbers. 
Repeated soft inquiries by Auto sales personnel resulting in lowered scores to adversely affect opportunity for purchase at lower cost. Illegal increasing costs.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX  score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I sent removal of charge off letters to, XXXX, XXXX and transunion on XX/XX/XXXX and a follow up letter when they did not respond on XX/XX/, these letters were certified and correctly addressed. When the disputes were finally answered I was confused when the disputed items were inaccurate. It appears the standard MOV was used. Cushman vs Transunion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet the court ruled that the creditors could not merely parrot data from the collection agencies that were required to conduct a REASONABLE investigation to ensure the validity of the debt ...... The e-Oscar system is for disputes is not how you fully validate REASONABLY ... Also U.S. Code 1681i States information in reference to the 30 day rule ... the Credit Bureaus responses were untimely and inaccurate ; My second charge off letter highlighted the fact that the first letter was responded to inaccurately to the dispute i made under FCRA 611a. yet they continue to protect the sellers and abuse the consumers and sell our debt to collection agency who have police like tactics in terms of threatening citizens. XXXX XXXX has gotten its Vehical back from me in good faith in a volunteer way after 3 years of on time payments! and now your trying to rip me off for XXXX, more, for a XXXX car. 3 years of payments of {$640.00} a month... and you want {$11000.00} and when I turned it in it was in perfect condiction!...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account DEPTEDXXXX XXXX  XXXX, US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) account # XXXX, XXXX, XXXX, XXXX account name XXXXXXXX XXXX XXXX XXXXXXXX account 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
Product: Credit card

I received XXXX letters that someone used my Identity to apply for a Credit Card. 
I did not apply for any Credit Cards and I am very concerned that someone has access to my identity. 

The Letters were from Capital One Bank and XXXX XXXX. 

They Used A Middle Initial that is not me.
Product: Student loan

I have had an ongoing dispute with Navient for more than 2.5 years and have filed numerous CFPB complaints and a complaint with the XXXX. There are 2 private loans that originated with XXXX prior to the incorporation of Navient in XX/XX/2010 that did not require payment until my commencement at XXXX. Due to unforeseeable circumstances I was short the necessary credits to graduate and the college recommended I take a XXXX course. Unbeknownst to the administration, they failed to provide an academic accommodation and incorrectly reporting my enrollment status to the XXXX. This led all my loans, including those with XXXX to go into immediate repayment without my knowledge while I was still enrolled in school. We were never alerted to the schools error and the fact no grace period was ever extended. XXXX harassed me and my extended family demanding repayment without explanation. XXXX only called to discuss repayment for federal student loan. My father made a payment on my behalf for the federal student loans. These funds were misapplied by XXXX to private loans instead. After payments were made these private loans immediately went into default without my knowledge. Through research we discovered the enrollment reporting issue made by XXXX that caused these private loans to go into immediate repayment and default. Navient refuses to accept or acknowledge information provided by the college itself that would declare me half time or more enrolled during the semester that the loans went into repayment. Navient also fails to acknowledge my correct commencement date. They refuse to acknowledge these corrections which would remove the defaults from my credit report. Navient has not offered any support or resources to resolve the issue. They recently resold these loans to a different collection agency XXXX which have contacted family members at phone numbers that have never been provided to Navient, disclosing private financial information to family members that are not cosigners on any of these loans. XXXX attempted to harass and deceive these family member to provide private information by calling from various local numbers.
Product: Vehicle loan or lease

Just when I thought this company could not get any worse they find new ways to surprise me. Ive been working to get a transfer of equity finalized for years. They finally initiated the process communicating with both me and the buyer advising everything is complete they sent in the mail and uploaded.

When the contract arrives it says Im adding the applicant mind you is not family or anything to my account which is not what was discussed with either party prior to them pulling his credit excessively and multiple reps advised when I called in this is an absolute mistake my account says transfer completely and add. This is a mistake on their part they have the redo the whole contract please allow 48-72 hours. I call back they say they will upload by the end of the day. 

I sent back the title transfer and pieces relevant to the transfer in the mail. I again call as I have not received they say it is being completed as we speak check back tomorrow. Tomorrow comes not done. I call again they are still working on it ok no problem. Today at XXXX XXXX  I get a call from a rep with an attitude sounded like she said XXXX that does not identify the company just says Im calling from the transfer department guess I was supposed to connect dots on my own as I almost hung up. She says you know we are adding him as a co-signer to your loan right? 

No XXXX about 9 different reps stated otherwise and why would I add a complete stranger as a co-signer for me? For a loan Ive already had for years with zero change in terms???????? Not only was that not what was advsied on multiple occasions thats not even what was requested by any means on the application or questionnaire it clearly states transfer from me to him. You guys wasted months of my life, communicated my personal information to him which I would not have authorized had I not been advised almost a dozen times it was your mistake you are fixing. 

Additionally XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were on an extension. I was not late and these need to be fixed if either are not complete I intend to spend every dime that I have exhausting every legal recourse against Ford Motor Credit Co because I have had enough.

Enough is Enough!!
Product: Debt collection

Received a voicemail from XXXX XXXX XXXX collection agency for XXXX. 
This is the exact message received. They are not a law firm. 
This message is for her ____ this is XXXX XXXX calling from XXXX invite concerning a legal matter that has been forwarded to my office we made several times to contact you but unfortunately have not received a statement from you regarding a matter if you found the contact up __ mediately we will be forced to render a decision and notify our client of your lack of response press one now or contact us back at XXXX
Product: Credit reporting or other personal consumer reports

Transunion is stalling. Investigate my dispute now. Under FCRA. You cant say you dont have documents or you lost them because now the CFPB has them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failure to proper investigate is continuing to damage my credit which is not allowing me to establish credit because of all the fraudulent, inaccurate, and erroneous things on my credit inwhich have been found unverified and not validated its Peer credit bureaus. How could theyve investigated with so many inaccurate information
Product: Vehicle loan or lease

I was charged a {$1600.00} fee on my loan per vehicle contract for a XXXX service agreement. Upon calling the service provider, XXXX XXXX XXXX XXXX at XXXX on XX/XX/2022 to cancel the service agreement because the vehicle has been paid off in full, there is no record of a service agreement being implemented for my vehicle. 

XXXX XXXX is unable to find any service agreements based on a search of the contract number provided by the dealership or the VIN number. I have requested all service agreements for the vehicle as well since XXXX has double dipped on collecting funds from me over the past 5 and a half years.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - XXXX - My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX - XXXX - My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with CashApp, ( Block , Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account valuable and unprotected.

Furthermore, The dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Conforming to federal guidelines and applicable state mandates, no body ( ies ) can report injurious data if diverged from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and/or certifiable compliance of reporting mandates otherwise. Particularly of an infraction is if and when a reporter ( s ) and/or any receiving repository ( ies ) act willfully NON-obediently and/or in seeming negligent ignorance and/or be it with reckless abandon as related to expectations and actual credit reporting behaviors.

Failure to ensure adherence to established credit reporting standards does NOT necessarily lend to factually erroneous or incomplete claims being allowed to report injuriously and unfairly so versus a consumer ; however, it is not contestable that the very deliberate nature of standards in the industry is to better afford participants to act in greatest accord to contingency ( ies ) legally. Hence, the CDIAs own CRRG manual detailing the requisites for alleging consumer information, within the imperatively exercised Metro 2 Data-filled Field Formatted reporting standard ( s ), of which there can be no deviation from without endangering the integral probity let alone rectitude of claim ( s ) made by any reporter and accepted by any repository of consumer credit facts.

It is the lack of provable integrity that lays the very foundation for a potentially injured consumer to be concerned about any claim ( s ) s ostensible info forwarded that lacks certainty of fact. For this and other reasons I will outline further below, I DEMAND THAT YOU REMOVE NOW AND until adequate and provable THIS CURRENTLY IMPROPERLY recited ALLEGATIONS, be it inept due to reporter failure to satisfy privilege to report or be it due to any involved body of claim to successfully navigate through and beyond the challenge I have presented and demanded of each such company ( ies ) to confirm catalog evidence demonstrating factual certifiable compliant reporting procedures, practices, and standards were absolutely adhered to in full accordance with mandates that any MUST have obeyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXt XXXX XXXX XXXX does not work. the site returns a " technical difficulties '' error after submitting the first form. I tried all browsers and the problem is with the site. there is no number to call to speak with a human being. Going directly to any of the three reporting companies doesn't work because they only offer a paid service or require me to create an account. I do not want to sign up for anything. I do not want to order a report by mail. I want to get my credit report for free online. I want the site to XXXX.