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

My name is XXXX XXXX. On XX/XX/XXXX, my husband, XXXX XXXX and I purchased a XXXX XXXX XXXX from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. We were given the value of {$10000.00} for the auto. We requested financing for the auto and based on my credit score, we were accepted for financing by Onemain Financial Group, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IN XXXX. The annual percentage rate that we were given was 18.17 % making the finance charge {$5500.00}. Unfortunately, we feel that in a way we are being taken advantage of by Onemain. The rate is too high, especially at a time in which we are in a pandemic. My husband and I have been going through financial hardship due to the COVID 19 pandemic and the added expenses that we have incurred due to this international health crisis. We know that the government has established laws for these finance companies not to gauge their rates and Onemain has definitely done this. How is it possible that we have to pay almost 60 % over the price of the automobile in interest rates. Our finance contract with Onemain started on XX/XX/XXXX. Our first payment was {$330.00} and the monthly payments since then have been {$260.00} per month, which {$130.00} of this is in interest only. We need for you to look into this and see if the finance rate can be lowered and regulated, especially as the car that we are paying was sold to us in a faulty state and it has been parked in the garage and we have not even been able to use it since it was purchased.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that has the incorrect PAYMENT HISTORY. 


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. 


I told Equifax to reinvestigate this accounts multiple time : Account Name : XXXX XXXX  Account Number : XXXX XXXX However, they stated everything was complete and accurate. The account is current/paid as agreed, but the payment history is showing 30-60 days past due for XXXX. I have contacted Equifax multiple times to have this error corrected. I have filed several disputes and the error is still present. The account is not 60 days past due. It is current, as the payment status is showing that it is current. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Chex Systems , Inc. is reporting two accounts to my Chex Systems report. 
These two accounts have been paid in full and per the company, these accounts will be removed from Chex Systems when the balance has been paid in full. 

Source of Information : XXXX  XXXX  XXXX  Amount - {$180.00} Amount - {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below item is still reporting under my name, all other inaccurate accounts here are deleted already and you must removed this too right away since I have informed you that this is affecting my credit rating negatively.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number : XXXX XXXXccount Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

This account was charged off and placed on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my report from this bureau, and they have refused to provide me with it. I have sent two request and have not received anything.
Product: Credit card or prepaid card

My XXXX XXXX  - XXXX  XXXX  XXXX was closed due to me paying with a new added savings accounts and radius couldn`t verified the name for ownership and crazy enough closed my account for just adding a new bank account to pay off the card completely without giving me a call or chance send in any kind of proof of ownership verification of the new account
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to send Experian an dispute letter showing clearly that they are in violation of the FCRA in reporting inaccurate and incomplete and unverified information in my credit file. They employ stall tatics to prolong the process. I just received a postcard stating they were unable to verify my identity. As always I sent a copy of my driver 's license and social security card and they said that was not sufficient but on their website and on their credit report it clearly says that a driver 's license verifies your residence and social security card verifies my identity. They continue to say that all the disputed accounts are verified without doing a proper verification as required by law. They can't just keep reporting inaccurate and unverified information on my report without doing what they are supposed to do which is verifying that this information is 100 % accurate. This is frustrating and causing me alot of stress and grief. It's also causing me to be denied for credit that I am rightfully due. They are violating my consumer rights with their actions. I have requested a method of verification and the best they can do is say they can't verify my identity. They know who I am cause I have sent them the same information with every dispute. A copy of my driver 's license and social security card.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and frustration regarding the emails I have been receiving from your bureaus, which incorrectly state that I am assisting credit repair companies. This is unequivocally false. I am the individual responsible for sending out my own letters.

I request that you take immediate action to rectify this situation. Failure to address this issue promptly will leave me no choice but to consider legal action.

Additionally, I have attached a list of negative accounts and inquiries that I would like to be removed from my credit report.

Equifax : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$65.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$860.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$65.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$860.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Mortgage

Talked to SLS today, had an attorney XXXX XXXX XXXX, helpling me but is a scam, didnt know what they submitted, then get a letter about short sale, XX/XX/XXXX then sent to them on XX/XX/XXXX no response. Talk to rep, said sale XX/XX/XXXX,  refaxed modification and removed  XXXX XXXX XXXX, but said no time?!?!? If need to short sale how can i list in 2 weeks!!! Know not an excuse but didnt sign anything with the law group, doing it on my own now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information reporting in my credit reports from XXXX. I disputed the information with XXXX, XXXX, and Transunion on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all 3 on XX/XX/XXXX and just checked my reports, not one thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # XXXX ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I authorized a XXXX XXXX transaction order # XXXX / XXXX was captured XX/XX/XXXX at XXXX XXXX documented on a solid signal order transaction list emailed to me. The list revealed a XXXX XX/XX/XXXX credit after I requested a product shipment return authorization. My capital one 360 checking account was debited XXXX twice on XX/XX/XXXX and XX/XX/XXXX.On XX/XX/XXXX XXXX was credited.On XX/XX/XXXX a billing error occurred on transaction USPS XXXX XXXX XXXX XXXX XXXX NJ , I was debited XXXX for a XXXX priority mail package without receiving any cash back.My current available balance is incorrectly calculated as XXXX cent but the total excluding the ( XXXX XXXX double debit and USPS XXXX dollar overcharge ) errors should be a XXXX balance.
Product: Checking or savings account

Im self employed And Im the owner of the business I deposit my checks in my personal checking account but the image wasnt good so the bank returned it So I printed new checks and deposited again Than they closed my account and suspended my money When I called in they told me they need to verify with the owner of the business thats me That the checks are good But nothing is moving forward
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 90 days I have sent Information furnisher XXXX XXXX XXXX XXXX two separate invoices, requesting payment for multiple consumer rights violations and fraud according to 15 US code 1692. The company has failed to respond to both my affidavit of truth as well as any response denying any claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX bankruptcy order dismissing the case was filed by the bankruptcy judge XX/XX/XXXX. On XX/XX/XXXX it was approved that the chapter XXXX case be statistically closed. I filed Chapter XXXX bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I was approved for an auto loan in XX/XX/XXXX by a dealership lender & I traded-in and bought another vehicle in XXXX XXXX & financed this auto loan with my personal credit union bank. In XXXX XXXX, I was denied for a credit card by my credit union for an active chapter XXXX bankruptcy even though they pulled credit 2 months earlier & no saw no active bankruptcy. They said they were using a new credit reporting company and they needed proof of it being discharged. The same day I emailed copies of the judge 's orders and was approved right after. This was a first this had been brought up and assumed they had just made a mistake, so I didn't think much about it until now. XX/XX/XXXX I applied for a store credit card and received an email the next day notifying me that I was denied for active bankruptcy. Now, I have to physically mail a dispute letter, my proof, and then wait weeks for this to " hopefully '' get corrected. What shocks me even more is that I currently already have two other open credit accounts with this same bank and my pervious XXXX auto loan. I pulled all three credit reports and I seen it was reported to one credit reporting agency as " Filed '' and immediately filed a dispute with that credit agency. Within my report it states they receive their bankruptcy information from a furnisher, XXXX. I have called the bankruptcy automated info line and confirmed it states both cases are dismissed/discharged. How after 4 years since a dismissal can this all the sudden be reported as active on my credit report?
Product: Credit card or prepaid card

On XXXX i received an alert from XXXX. That i applied for XXXX separate credit cards. XXXXXXXX XXXX, address is XXXX XXXX XXXX XXXX, XXXX Phone is XXXX And XXXXXXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone is XXXX I called the number and found out that this call center manages both card company and I was able to file a dispute and was able cancel both cards that was approved today. I requested them to investigate and take my information of credit bureaus inquiries. They said I have to file a complaint CFPB so they can proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please kindly check the FTC REPORT I ATTACHED
Product: Money transfers

on XXXX/XXXX/2015 at XXXX i visit XXXX XXXX # XXXX, they represent Money Gram, i send XXXX us dollar international to the XXXX XXXX under XXXX # XXXX, originator XXXX XXXX XXXX, to be receive by XXXX XXXX XXXX, the money until today XXXX/XXXX/2015 at XXXX shows as in hold by money gram, i try all possible options to comunicate with the company and they just place my call in hold, the XXXX XXXX XXXX XXXX me that they have no way to help me on this issue
Product: Student loan

I have two loans serviced by Fedloan Servicing ( acct # XXXX XXXX XXXX ). 
Accorded to their records, I have made 153 out of 120 required payments towards these loans towards forgiveness under the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) program. I have called on multiple times and have been told that " everything looks good '' towards these loans getting XXXX, yet nothing has happened. The letter that I received from them ( dated XXXX XX/XX/2021 ), actually has the TEPSLF data missing from what the previous letter showed. In essence, going backwards. 
I have filed formal complaints with the company, your office, as well as the ombudsman office in Kentucky, both with no results. Below is the wording that I submitted on the loan servicer 's website tonight. Please help!!! 

I have been working on my TEPSLF package for several months now, but to date I am getting the run around. The last two times that I've called I was told that everything was good and that I would be getting new of my approval soon. This has not happened. I've also filed complaints with you and the ombudsman office ; no results there either. What does it take to get a straight answer about my application? I'm really getting tired of being ignored, and told false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$5600.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$5000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$1900.00} on the Explanation of XXXX but on my transaction history it was listed only sold for {$1500.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting full deletion of this account from my credit reports from the consumer reporting agencies to make me whole, and to account for the negative impacts this incorrect reporting has had on my credit score. XXXX XXXXXXXX is very aware that they are verifying inaccuracies concerning this account to the consumer reporting agencies which is illegal. I am also concerned that XXXX XXXX can verify any information they feel is right and none of the consumer reporting agencies have conducted a full and proper investigation into the account to ensure they are reporting accurate information on my credit report. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.
Product: Mortgage

I re-financed my mortgage in XXXX of XX/XX/2018 with Freedom Mortgage. My mortgage payment was {$910.00} monthly. Shortly afterward, I changed Homeowners Insurance from XXXX to XXXX XXXX. My policy went from {$820.00} to {$850.00} respectively. XXXX sent me a refund of {$570.00} which I immediately paid to freedom Mortgage. Shortly afterwards I got a letter from Freedom Mortgage stating that there was an Escrow Shortage of {$820.00} and my monthly payment would go from {$910.00} to {$980.00}. This amount is not what I agreed to pay in my Closing and Settlement of the Re-finance. I called Freedom Mortgage to see what the situation was and they just went over the figures which don't compute to me ... They must have underfunded the Escrow Amount initially. How can it be {$820.00} short on a brand new Re-finance? I made arrangements to pay the {$820.00} in 2 years bringing my monthly payment to {$950.00}. THIS IS NOT WHAT I AGREED TO ON MY CLOSING AND SETTLEMENT. PLEASE HELP!!!!
Product: Debt collection

This debt was accrued do to an illegal business practice by the original creditor, XXXX XXXX in XXXX, Florida. They used to be called XXXX XXXX XXXX XXXX 

I moved-out early due to the COVID-19 Pandemic in XXXX of XXXX. I received a Final Move-Out document ( Attached. ) acknowledging my move-out, yet a year later, in XX/XX/XXXX, I received a LARGE bill of {$9100.00} ( Attached ) reflecting that XXXX  XXXX was charging me rent for an ENTIRE YEAR after I moved out. 

Furthermore, XXXX XXXX had mitigated my loss by getting another tenant to occupy and sign the lease for unit XXXX within a month of my move-out date, by the name of XXXX or XXXX. I confirmed this with my fellow roommates who lived in the same floorpan as I did. 

This is an illegal business practice, and the Debt Collector should close this account.
Product: Mortgage

All of this pertains to flagstar bank holding money from undisputed claims due to a hurricane. There has not yet been a settlement but rhe insurance company has agreed to some payments at this point. 
My home was damaged by hurricane ida. XXXX. A year later I am still fighting everything and attempting to make repairs. I have an attorney and mediation date set coming soon. The ins company issues an $ XXXX check for undisputed claims. It was of course written to the mortgage company and myself. They allow {$40.00} increments. I am at a point where I need the remaining money they are still holding. I have contacted them multiple times and each time I am given a different story as to what is missing that they need. My attorney has provided them with everything more than once. Every time I call it is something new and having to wait. Presently waiting in the same documents that were already faxed to them multiple times before the mortgage company inspector can schedule to come out and check on the progress and make sure a certain % has been done before there is thought of more money being cleared to be issued to me. This is money that they should not get to hold and make me wait on. I was told in one conversation that the inspector would call me within a week to schedule. Multiple weeks later after still no call, I called back and was told I'm missing information and they can't do anything further until they have it. Was told that without this missing paperwork - the inspector can not see if the things repaired were listed. I do not have a list of anything like that with specific money amounts to say what needs repair and in what order. Also was told they won't send an inspector out unto 80something % of repairs are done. I dont have them money to do 20 % of my repairs yet so that made no sense. My attorney sent them the info they requested yesterday and again today, this os the same info they received months ago, and again waiting until they get it to have an inspector schedule to come here then take days to finish his part then more days to allow the funds to be cleared to me before they can send it toe via us mail. There is a recording before each time I sit on 30 plus minute hold to speak with someone that says the conversation may be recorded. They should record all of them because their employees don't know the answers to customers questions yet they give answers they think are good enough- and not accurate! 
Undisputed claims money does not need an estimate or further paperwork. It's undisputed - I need it for repairs - to my home.