23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

.its impossible that all 3 of them ( equifax XXXX XXXX XXXX ) can verify that this is an accurate if there information is missing within all 3 of them and are not matching. 

under the FCRA i am entitled to a 100 % and accurate reporting and that is not the case here as information is missing and does not match in a case where one says account closed and the others says open, the date of when it open dont match and the date of last activity says other wise as well and does not show when the last dilequency i missing in the other 2 and shows in one and not the rest which shows a major reporting error within equifax , XXXX and XXXX XXXX  or could be the reporting error with the debt collectors reporting as well the amount is in accurate for the debt collector is not suppose to charge me with the hold over rent stated in the court document witch the debt collector does not want to adhere too
Product: Mortgage

My wife was diagnosed with XXXX. We contacted loan solution. We never received any formal repayment plan, but on our statements for XXXX and XXXX it said " repayment plan {$2900.00} due '' and " You are currently on an active Trial Payment Plan, '' on XXXX then the same for our XXXX statement. I made the payments for said repayment plan. All of a sudden XX/XX/XXXX I receive an email loan solution has closed my payment plan. My newest statement says {$14000.00} due. There is no paperwork or not communication. I have emailed without resolution. Not to mention I have emailed full authorization for my wife to communicate with them and have the emails, but every time she calls in they say they can not talk to her. What a joke of a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

CREDIT MANAGEMENT LP ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX  XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I was contacted by Transworld Systems Inc. ( TSI ), seeking to collect the debt in the amount of {$260.00} on behalf of XXXX XXXX as per attached TSI letter. 
I have spoken with the TSI representative on XX/XX/XXXX and informed them that my roommate XXXX XXXX and I have paid the above amount to XXXX XXXX back in the XXXX XXXX XXXX and that we have the payment confirmation receipts to prove it. 
I was instructed by TSI representative to submit the proof of payment information via email address XXXX for the TSI review. 
I have submitted the same proof of payment information receipts as I am attaching to this complaint to the TSI using the email address provided. 
After not hearing anything back from TSI I have contacted them again on XX/XX/XXXX and was told by TSI representative that no information about the case could be provided at this point. 
I think it is a blatant violation of my consumer rights to seek to collect debt that has been previously paid and not to respond to my request for further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX  Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently working with XXXX XXXX XXXX to help pay off my debt rather than filing for bankruptcy. One of the accounts I enrolled in the debt repayment program is my Capital One credit card that had a balance of {$6200.00}. On XX/XX/XXXX, Capital One accepted a settlement offer of {$3100.00} from XXXX to be paid in 24 months. In accordance with the agreement, XXXX had already made regular payments for 12 consecutive months. As of XX/XX/XXXX, the remaining balance on the account is {$1600.00}. However, in spite of several disputes with XXXX, XXXX and XXXX, Capital One continues to verify the following inaccurate information : ( 1 ) Balance and Past Due Balance as {$4800.00}, ( 2 ) Payment history shows " FP '' ( Failure to Pay ) from XX/XX/XXXX through XX/XX/XXXX on my XXXX   Report and " CO '' ( Collection ) on my XXXX Report, ( 3 ) Payment Status as " Charge Off '' when it should be " Paying ''. As you know, in spite of the fact that the account was in collection, regular consecutive payments on the account, along with the reduction in the balance helps to improve one 's credit score, and unrecorded 12 consecutive payments is significant in terms of improving my credit score. The fact that they continue to report the inaccuracies is continuing to hurt my credit score and causing further damage to my reputation. 
I am therefore filing this complaint against Capital One and seeking your help in getting them to correct all three CRA reports accordingly. 
Thank you.
Product: Credit reporting or other personal consumer reports

The Bankruptcy Court, after considering the papers filed in this case and having held a hearing on XX/XX/year>, agrees that XXXX this involuntary petition for XXXX  XXXX Bankruptcy was fraudulently filed and that dismissal nunc pro tunc to the date of filing and voiding this petition ab initio are the appropriate remedies. 
IT IS ORDERED : The debtor is granted dismissal nunc pro tunc.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried to use my membership rewards and it keeps saying " under review ''. The terms and conditions state that the reward bonus can be reviewed only up to 8 - 12 weeks, but I got the reward bonus many many months ago back in XX/XX/2019, so it is well past 8 - 12 weeks. Many months past. Many many many months past. 

Given that it has been well over the timeframe for review, please unfreeze and unlock my membership rewards account so it can be used. 

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

There is information on my consumer report that is a result of identity theft. According to 15 USC 1681c-2, Federal law states : " 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, not later than 4 business days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX.in accordance with the fair credit reporting act XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

My car is in the shop for warranty repair on XX/XX/2023 and Car-Mart keeps lying to me about when it will be ready. I was originally told the parts were ordered and shipped to the shop XX/XX/2023, only to be told the very next day that the parts were shipped to the wrong shop XX/XX/2023 and they would have to reorder the parts. It is now XX/XX/2023 and I was asked to come and speak with someone, they said they have no idea when my car will be ready. I'm left owing money for a car that I need to make it to work but not able to make it to work. I can't stop doing business with the company because I signed a contract. I work out of town and haven't been able to make it to work this entire time and may end up losing my job because of this. I am making life decisions based off of this information but the people giving the information don't have the courage to tell me the truth. They reduced my payments to {$50.00} for a month, and told me they don't know when my car will be fixed. I only purchased the Car in XXXX of XXXX  so to have so many problems only within a month of buying the car with no resolution is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  who lived with me before be passed away used my phone to open up XXXX XXXX  credit card accounts. They were both paid off and closed and I called XXXX  to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.
Product: Credit reporting or other personal consumer reports

I called XXXX some months ago to figure out how to catch up on my payment. They offered to stop my current payments of {$130.00} biweekly and have me pay {$92.00} a month until caught up. I have been sticking to that agreement and I am actually done this XXXX  and can proceed to my XXXX  payment. The issue is every month XXXX has reported me as delinquent. Im not - I have been paying {$100.00} a month even to hurry up and catch up. I dont understand how Im reported as delinquent when Im paying the agreed upon amount as was agreed. I believe this is a major error as its saying I have been late 21 times.
Product: Consumer Loan

Purchased a truck from XXXX XXXX in XXXX NC on XXXX. I awaited payoff of another car for 3 weeks, and continued to make payments to that vehicle so not to damage my credit. Only after many contact attempts I spoke to the fiance manager whom had the payoff sent. I waited for the registration for the transfer of tags for almost a month, and made another series of calls till i was able to speak to the manager again, on that day according to the registration they completed the paperwork to transfer the plate. It has also come to my attention that the title work was either done wrong, or not at all. This is a clear violation of XXXX. Perfection by indication of security interest on certificate of title.
Product: Checking or savings account

Capital one does not update my bank account balance with third parties most of the time, so the banking applications I use on my smartphone do not update more than once every  5-7 days , which will show an incorrect balance when I check them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Discover Fin Svcs account for {$4600.00} reporting on my credit, that is not my account. XX/XX/2019, I submitted ; FTC report, police report along with a personal statement from myself to XXXX. I checked my XXXX  online account on XX/XX/2019 and I had received a confirmation from XXXX that, they have received my documents to dispute Discover Fin Svcs. On XX/XX/2019 XXXX removed Discover Fin Svcs from my credit file. Has of XX/XX/2019, Discover Fin Svcs has been resubmitted on my credit profile. On XX/XX/ at XXXX I talked to XXXX ( XXXX XXXX, Supervisor ) with XXXX  and I was told ; Discover Fin Svcs never did provide them with any type of proof, but Discover Fin Svcs did say that the account was my account and XXXX has no obligation to verify that the information being reported by Discover Fin Svcs is accurate. XXXX refused to help me with this item reporting on my report.
Product: Credit card or prepaid card

XX/XX/22 amount XXXX. No action with company I uploaded my at XXXX I submitted proof and so did XXXX I were texting XXXX XXXX hr
Product: Debt or credit management

AMEX closed my account last XXXX, due to failed autopay since XXXX locked my account for no reasons. This is totally unacceptable, I had good history and relationships with AMEX. I have to options now, XXXX. Get my membership back by paying the settlement offer. XXXX XXXX XXXX off for the current settlement offer. I am not in the XXXX anymore so the credit score means nothing to me. Im settling this as goodwills.
Product: Vehicle loan or lease

Well first and formost I financed a car through credit acceptance from a car dealership called XXXX XXXX  now in the process of talking with the people at XXXX XXXX I was told that credit acceptance would finance me the vehicle. The car was priced out for XXXX so I gave them XXXX as a down payment on XXXX  XXXX XXXX. The car broke down on me and hasnt been driven in months now and I havent had the car in years breaks went out on me in a week and when I explained this to them asking can I return the car I was told it would mess my credit up. I lost my job due to not having transportation and I told them this. So now Im getting harassed with calls daily credit is being shot to pieces dealing with this company telling me I owe them XXXX for a car that isnt even worth that amount. My mother actually did the research and told me to contact you guys because you already had been dealing with issues when it comes to Credit acceptance Corp.
Product: Student loan

I got a private student loan to finance my XXXX expenses. I graduated in XXXX of XXXX. I then went to XXXX XXXX in XXXX of XXXX. Discover agreed to defer my loan payments until six months after I XXXX XXXX XXXX. I graduated in XXXX of XXXX. In XXXX of XXXX Discover decided that my loan was all of the sudden due on XX/XX/XXXX ( in violation of the agreement we had made ). After refusing to pay on my loan until XXXX as we had agreed discover began to endlessly harass me via autodialed phone calls. I called in XXXX to attempt to straighten things out. Discover 's agents said I could upload my transcripts to show I had been in school and that they would undo any actions they took that would undermine my credit score. I uploaded my transcripts. 
Discover all of the sudden said that was inadequate and asked for a certified letter with my dates of attendance. I called and explained yet again that I had graduated in XXXX of XXXX and my first payment should be due in XXXX. The agent on the phone said that is 100 % correct and I asked several times for her to confirm my payment due to date was now in XXXX. She replied in the affirmative. Discover decided to continually harass me anyways so I called yet again and explained the situation. Discover agent then told me to upload a certified letter with my dates of attendance and said if i returned to school the grace period would indeed be 6 months after I graduated my new school AND they would undo any actions they took against my credit score. I sent the letter and then was harassed yet again by auto calls. I called yet again and this agent said I had spent 6 months out of school between XXXX XXXX and XXXX and the grace period actually ended in XXXX of XXXX. I explained what I was told by the other agent and he did not seem to care and continued to just mindlessly read off of his script. He also explained that I missed fall of XXXX ( which was untrue I attended class in XXXX but spent a month in the hospital with a life threatening illness ) so even if I went back to school the grace period once again lapsed once I went to the hospital and demanded I make payment or my loans would default. 

In some discover made willful misrepresentations on the status of my loan. Lied about the grace period several times and reported fraudulent information that adversely affected my credit score. Not really surprising though because Discover did get sued by the federal government for deceptive trade practices. I'm looking forward to their canned response where they admit no fault and pretend to be sorry for the deceptive trade practices they employed against me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, Ga XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Closed Accounts from My Credit Report Dear Sir/Madam, I am writing to formally request the removal of closed accounts from my credit report. After reviewing my current credit report, I have noticed that these closed accounts are still being reported, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX. 
According to the FCRA, negative information such as closed accounts should be removed from my credit report after a certain period of time, typically no later than seven years. I kindly request that you investigate and remove any closed accounts that are beyond the legal reporting time frame or that no longer reflect an accurate representation of my current credit situation. 
Please provide me with a copy of my updated credit report after the necessary adjustments have been made. If you require any further documentation to process this request, please let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Mortgage

I requested PMI removal from my mortgage servicer newrez LLC. 

The company has been dragging their feet refusing to give me true updates. I have waited weeks for them to drop my PMI as my loan to value is below 80 %. 

I have contacted the company multiple times and spoke with a supervisor who said the due date for the notification in regards to PMI removal was XX/XX/. The supervisor also said they would give me a call back which never happened. I have reached out to customer service and keep being told they are working on it.
Product: Payday loan, title loan, or personal loan

I began XXXX XXXX in XX/XX/XXXX, requesting other payment arrangements. My hours had begun to fluctuate and I wanted to make sure I was at least making some payments to everyone. 

At first, I tried cutting my payment in half. That was fine with them at first. But every two weeks I would have to call them 4 days before my payment to set up new arrangements. I was given a number to call and was told since my payments were now past due I would be able to qualify for special payment arrangements. 

I stopped all ACH pulls because I could not afford to have them pull money and my rent check came through my bank at the same time. The ACH pulls were discontinued in XX/XX/XXXX. 

On XX/XX/XXXX. XXXX, pulled {$540.00} from my account without my authorization. No phone calls letting me know. NO even past due phone calls. They just went into my account and took the funds.