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

I had a car loan with Ford Motor Credit from XX/XX/XXXX which I paid off in full on XX/XX/XXXX to a XXXX balance. Ford has reported in the remarks on my XXXX XXXX credit report that this account was included in bankruptcy. I have NEVER had a bankruptcy. THis account was paid in full, satisfactorily by me and there is no bankruptcy associated with me. I have been calling them since XX/XX/XXXX and still it is not corrected. I was denied for a home loan because the bank thinks I filed bankruptcy in XXXX because of this erroneous report to XXXX XXXX. This is gravely affecting me financially and I need it corrected,
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, TransUnion, Experian, and Equifax for XXXX violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws related to the reporting of an account on my credit report. 

The account in question, listed under XXXX, has been reported with multiple inaccuracies and violations as follows : FCRA Violation - Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) ) : This account is reported as " XXXX XXXX '' and " Purchased by Another Lender '' simultaneously. 
If the debt was sold, the original creditor must report a XXXX balance and remove themselves from my credit file. 
The continued reporting of a balance is false and misleading. 
FCRA Violation - No Permissible Purpose ( 15 U.S.C. 1681b ) : If the debt was sold, but multiple companies are reporting it, this indicates an issue with permissible purpose under the FCRA.

The reporting party may not have the legal right to report this debt any longer.

FCRA Violation - Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Charge-offs can not be reported longer than XXXX years from the date of first delinquency.

If this account has been re-aged, it is an illegal extension of negative reporting. 
FDCPA Violation - False & Misleading Information ( 15 U.S.C. 1692e ) : This account is being misrepresented, leading to confusion about its ownership and status.

If the original creditor no longer owns the debt, they should not be reporting. 
FCRA Violation - Failure to Correct Errors ( 15 U.S.C. 1681i ) : If I have disputed this previously, the reporting agencies failed to investigate properly, which is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I tried to log into TransUnion to check my credit, I was not able to log in unless I provide a credit card. After my credit card was provided, the website log down for maintenance. I did not subscribe to any subscription but a few hours later, I saw a charge of {$24.00} to my credit card. I called XXXX and spoke to XXXX. I told her I did NOT subscript to there services and ask for {$24.00} to be refunded, and cancel my account. She refused to refund {$24.00}. TransUnion website is FRAUD! 
I want to be refunded for {$24.00}. Please SHUT DOWN their ILLEGAL ACTIVITIES STEALING CREDIT CARD NUMBER FROM PEOPLE TRYING TO LOG INTO TransUnion. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ; Account number:XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Disputing errors on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on my Equifax, XXXX, & XXXX XXXX report : XXXX. ) Credit report information to identify account status : INCORRECT - XXXX XXXX ; acct # XXXX XXXX. ) Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the XXXX orders of the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, my travel visit to the island of XXXX turned into temporary residency due to closed borders of international travel in XXXX of XXXX. My earning-ability was drastically changed. Many efforts to make payments were rerouted as " XXXX '' due to my IP Address being beyond domestic range. 
Representatives from XXXX XXXX were not understanding with my responsibility to maintain XXXX  payments. This lack of completing transactions resulted in the reporting of payments late, subsequently charged off ; then repossessed after deferment contingencies were not available. 
- The report shows proof your company that have already been repaid. 
- I have processed the proper tax forms to reflect these matters, as well as the measurements taken by XXXX XXXX to validate accuracy of this information. 
- Since having this automobile refinance after a previous loan was assumed through XXXX XXXX, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. This includes having XXXX  hard pulls on my credit profile, which the XXXX XXXX, AND Their XXXX XXXX contend that negatively impacts my credit report. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I product changed from Alliant Platinum to Platinum Rewards for a large purchase I made so I would get points. 

I should of received XXXX points for the transaction on XX/XX/20. 

I received XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I sent a letter last month, XX/XX/2023, to be exact, it's a dispute letter but It's been over 30 days already and I still haven't got any update in any form coming from your company and I am in a bit of a hurry right now. I am aware that the FCRA is requiring the CRA 's response within 30 days and I learn on XXXX that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!
Product: Debt collection

On XX/XX/21I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. 
My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

To Whom It May Concern : I started paying extra on the loan on XX/XX/2018. Then I notice the payment amount going down and the due date getting further away. On the first occasion I spoke to the company, Nissan motor acceptance corp, the rep told me that my extra payments were being applied correctly and that if I payed extra it went to the principle. I asked why does my payment amount change and the due date get further away. He gave me an unsatisfactory explanation about some customers like that so if they need to pay latter or pay less they can. I told him I didn't want this, I didn't ask for this and I wanted my bill to go back according the loan contract. It did not, as you can see in the attached documents, the payment keeps getting less and the due date further away. 

In my opinion, they are doing this to trick people into paying less so they can earn more interest. This should not be allowed, I have a loan contract and they should be bound to follow it. 

I called again and told them I wanted to see how my payments were being applied, and they sent my an amortization schedule instead. And as you can see, it is the same payment amount and the same due date every month. This made me more suspicious that they were hiding something. 

So I called back and made sure the rep this time understood that I want to see how my payments were being applied and the interest paid, the accounting in other words. When I got that, as you can see, the interest payments go up and down. It should be going down continuously not up and down like this. I feel Nissan is not applying my extra payments correctly, not applying the payment consistently on the same date, and they are not following there own amortization schedule. 
I need someone to look at this that knows how this should be, it just doesn't look right to me. 

Thanks for the help. 
Sincerely, XXXX XXXX
Product: Debt collection

to whom may it concern my name is XXXX XXXX XXXX, i was recently a victim of identity fraud, apparently they have opened a credit card ( Best Buy ), they made a purchase for over XXXX XXXX. the person behind this also tried to change the address in order to open different accounts. they have also attempt to run my credit not once but multiple times, due to many attempts to open different accounts my credit score is under XXXX. 

sincerely XXXX XXXX XXXX ( XXXX ) XXXX
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 Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 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 after the date of the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Product: Mortgage

Loan servicer states they paid my property taxes on XX/XX/2020 in the amount of {$4700.00}. However, the XXXX XXXX County Tax Assessment office still shows them as unpaid although the funds were withdrawn from my Escrow account. Since this time the property was sold and Escrow withheld another {$4700.00} for the unpaid taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has been posting " late payments '' to the credit bureaus since 2019. I have challenged the reporting and have presented documents which show payments have been made every month on time since the beginning of the company 's servicing of the loan. The company 's documents and mortgage statements do not reflect a " late payment '' charge for any of the months where " late payments '' were reported to the credit bureaus. I have repeatedly asked for the " late payments '' over the last two years to be removed. The company has refused to do it and the credit bureaus have maintained the " false reports '' in their records.
Product: Credit reporting or other personal consumer reports

Wells Fargo jacked up my interest rates for unjust cause XX/XX/XXXX wiped out all my statements off line, when I disputed the interest rates after discovering this Wells Fargo tried to say I reported my card lost or stolen which I did NOT DO. THEY DELETED THE OLD ACCOUNT NUMBERS AND ADDED NEW UNFAVORABLE TERMS AND CONDITIONS ON MY CONSUMER REPORT. AFTER TRYING TO MAKE A GOOD FAITH PAYMENT XX/XX/XXXX. Wells Fargo refused my payment after holding it for a business week. Returned the uncashed check to me and reported to the consumer reporting agencies XXXX XXXX and XXXX that I was late in XXXX which I had already filed in Arbitration with XXXX. End of XX/XX/XXXX. They closed my account reported 180 days late and charged off the account and reported the account was reinvestigation complete by furnisher Wells Fargo which was not and is still in dispute with Arbitration and Federal courts. But they still refuse to correct the inaccurate information that they report for over XXXX years in dispute and refuse to correct or fix the lies and incorrect, inaccurate, incomplete information on my consumer reports. This is a travesty of injustice and misleading and should never have gotten to this point as the CRA s will not look into any furnisher or subscriber of theres to fix or corrects this matter of inaccuracies. They need to be punished
Product: Credit reporting or other personal consumer reports

Information belongs to my twin brother and is falsely showing in my report hindering me from buying a house
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a vehicle credit. I was eager to go to the vendor until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me finance for any vehicles. This got me unsuspecting I have consistently perceived the significance of having and keeping up with great record of loan repayment. So I generally gave a valiant effort to ensure I kept the entirety of my issues all together. So obviously I was brimming with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be taken out. This is slander of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a purchaser 's standing. FCRA 15 USC 1681 states that a buyers credit report is the shopper 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the XXXX  information break.
Product: Credit reporting, credit repair services, 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 U.S.C. 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  These companies have 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 items of information, other than records of convictions of crime which auntie Bates the report by more than seven years.

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

Well, I am a SMALL car dealer. I decided yesterday that I might want a car for myself. I had a trade in and some cash. I did a preapproval on a large dealers website. I gave them my personal information. The salesman calls and tells me that because I do not live in XXXX XXXX, Montana ( my business address is there ), that they will not finance me. Last time I checked you do not have to LIVE in the city where you purchase a vehicle, financed/leased or cash. He tells me to go to a credit union ... Really? So, after that happened I applied directly with Toyota Financial Services. They will not even give me a answer. They CLAIM on their website we have a program for the credit challenged. You just need a score of XXXX, and no late payments in 90 days. According to them my score was XXXX XXXX  maybe auto enhanced, then they pulled my credit from XXXX  yesterday, and still no answer ...
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I transfer {$1200.00} dollar. To XXXX they told the receiver that exceed so they was going to cancelled to transaction to call me to cancelled it and get a refund i call the company and they tell me that i had to wait 48 hour so i wait the 48 hour for the refund which i call again they tell me they need another 24 hours i call the next day they tell me the same every day they always ask for and extra 24 hour today XX/XX/2020 the representative tell to go to the place where i did the transaction so i proceed when i get there i ask representative to call XXXX XXXX because they told me they was going to give me a transaction number after waiting for over a hour the store representative tell me that they still working on it that they not going to give me my money for now that they would get to me when they have spare time to give my refund back the store representative told me that he can't do nothing for me and that i lost my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I sent a dispute with equifax and they responded that one of my debts from XXXX XXXX XXXX for {$200.00} were verified. However, on another CFPD complaint the company has stated that they have not been able to verify the debt. I am very confused that equifax is saying they verified when the company could not even verify the debt as this is false and deceptive. It has been more than 30 days and I demand that equifax remove this debt from my file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY INVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2021 }, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I pulled all of my money out of my brokerage account and then I was about to close my checking account when Citibank charged me a " monthly {$25.00} service fee '' which I had never paid before. They then summarily closed my account without my permission.