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

I am demanding an internal investigation of the following credit reporting companies : XXXX, XXXX XXXX and Experian. I have found that these companies aren't governing themselves according to the Fair Credit Report Act. I've disputed on numerous occasions the inaccurate reporting of my consumer reports regarding the late payment history. According to the FCRA Section 603, 15 U.S. Code 1681A titled definition : Rule of Construction ; defines paragraph 2 exclusions - except as provided in paragraph ( 3 ), term " consumer report '' does not include '' ; ( A ) subject to section 1681s-3, of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Therefore, the following accounts which are within my credit report ; the payment history must be REMOVED ; based on these EXCLUSIONS of the rules. These accounts are as follow : 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 Experian XXXX XXXX XXXX Experian XXXX Experian XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian As stated , these companies are not abiding to the " Rule of Construction/Exclusions per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Monitoring ( formerly XXXX XXXX XXXX.XXXX ) I have been trying to cancel my account for over a year. I can not get through to them and they keep charging my credit card XXXX per month. They are supposed to be a credit monitoring company that helps people. No the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have been observing in my Trans Union report that XXXX XXXX/XXXX reporting my closed individual XXXX XXXX credit details every month. I really do not understand why XXXX XXXX has been reporting my closed credit card details every month without any activity and no statements generated. My credit report should have only last payment details, paid and closed with XXXX balance details, these details should stay in my report for next seven years. why did XXXX XXXX credit card company reporting my credit card details without any activity, no transaction, no statements, paid and closed with XXXX  balance. Could CFPB direct XXXX XXXX/XXXX to keep the accurate status of last payment details, account paid and closed with XXXX balance, keep these details in my credit report for next seven years timeline. There should not be any updates and credit reporting every month for paid and closed XXXX XXXX/XXXX credit cards. Also, there is no XXXX XXXX/XXXX credit card open with my name, date of birth, social, address or using any of my identification details.
Product: Checking or savings account

On XX/XX/year>, my USAA debit card was used to make XXXX fraudulent transactions at a XXXX XXXX totaling {$770.00}. XXXX cash withdrawals were also made on the same day. To my knowledge, my card was not stolen as it was still in my possession. I checked my account balance as soon as I woke up and contacted my bank immediately. USAA refunded me for the XXXX cash transactions, but they recently determined that the XXXX 's charges were not fraudulent because they say my chip was used. It took them a long time to make their decision. If I would have know they were not going to take care of it, I would have pursued an investigation earlier. I have never shopped at that XXXX 's store. USAA originally provided a refund credit for the fraudulent transactions, but they recently reversed the credits. Now, my account is overdrawn and they are threatening to close my account if I do not pay them. I have requested the investigation information from them several times, but they have only provided a standard letter with XXXX sentence explaining that they denied the claim because my chip was used. I have banked with them for over XXXX years, and I have never had any issues. It is extremely upsetting that they can not provide me any of the information from their investigation. I can't even get information on the exact times the transactions took place or what was purchased. XXXX 's will not work with me directly, and it has been over XXXX months since the transactions took place, so it is doubtful that much evidence has been retained. I need assistance getting the investigation information because I have filed a police report and I will be seeking assistance from additional agencies to find a resolution and hopefully catch the thieves.
Product: Payday loan, title loan, or personal loan

We are a finance company and a customer wanted us to pay off his loan to XXXX XXXX title loan ), which we did. The customer sent us a letter from XXXX dated XXXX/XXXX/XXXX, stating that the payoff amount for the loan was {$960.00}, if received no later than XXXX/XXXX/XXXX. We sent the payoff check to XXXX on XXXX/XXXX/XXXX and check was cashed XXXX/XXXX/XXXX. 
As of today, XXXX XXXX, XXXX, we have not received the title for this loan.
Product: Payday loan, title loan, or personal loan

XX/XX/2018 borrowed $ XXXXand funded to bank account on XX/XX/2018 with first py was supposed to be XX/XX/2018 for XXXX and 12 ph for XXXX to pay off amount borrowed plus interest now looking at paperwork and now seeing 11 of those py have a broker fee of XXXX I was not aware of which includes a fee of interest of XXXX for total of XXXX which none goes to principle or to loan. The 12 py is for XXXX which was never disclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 company 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: Mortgage

I purchased an investment property for over {$72000.00} in approximately in XXXX. The mortgage is with Bank of America. I 've had PMI since the inception, which is fine ; however, the mortgage owed is now under {$12000.00} and Bank of America and my agreement says I need a new appraisal and if I do not obtain a new appraisal I have to continue paying PMI until the loans is paid off. I am not spending {$300.00} to {$400.00} to avoid PMI at some point Bank of America should be reasonable.
Product: Debt collection

NCB Management Services ( " NCB '' ) continuously made robocalls with a prerecorded message of debt collection and for the receiving party to dial an extension. In this matter, I am the receiving party of the communication. I have demanded NCB representatives to ( 1 ) divulge all alleged debts, name of the creditor, the amount of the debt, documentations representing an existing debt ( 2 ) stop all telephonic communications to my home and cell phones ( 3 ) confirm the name, address, and other information of the debtor NCB alleges a debt is present. NCB representatives refused to provide any information as per my demands. Furthermore, their representatives demanded I divulge personally identifiable information such as name, address, and social security number which I refused. NCB refused to stop all communications even though they were told on multiple occasions to stop calling. The last call was on XXXX/XXXX/2016 at XXXX est.
Product: Credit reporting or other personal consumer reports

I consolidated my federal student loans in XX/XX/2024. Duplicate loans are now showing on my credit report ( The old pre-consolidation loans as well as the new consolidation loans ). They are both showing a current balance making it appear as if my debt is larger than what it actually is. This has lowered my credit score because of increasing my debt to income ratio.
Product: Mortgage

I am a senior citizen and I'm on the XXXX program they paid my Mortgage and my mortgage company received the payment and refused to posted the payment and charging me a late fee I called several time and was told they received my payment but its not yet posted by they keep on calling me about late payment also charging me a late fee, XXXX sent the payment on XXXX also XXXX XX/XX/23 select portfolio not posting the payment and causing me issues with my credit I called them several times and they acknowledge that they did received the payment and another department is handling those payments as of today the payment received posted to my account and causing me stress and fear, at XXXX years old I cant handle this stressed from them, Please see all the letters from select portfolio services also my XXXX approval letters XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB, For the past 3 months I've been trying to get inaccurate information that's showing on my Experian consumer report That's shows 1 Account that's late. That's incorrect all my accounts are in good standing. I've had enough when you call you get Transferred to 3-4 different people and the issue still doesn't get fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6400.00}.
Product: Debt collection

I experienced hardship for over 7 years and were unable to pay but kept in communications with Navy Federal. My bill owed was closed and were written off then was deleted off my credit report and now Navy Federal is trying to reopen my obligation to pay them through a Collections company called XXXX XXXX XXXX. My credit report was flagged XX/XX/year> and there address is XXXX  XXXX  XXXX, XXXX, SC XXXX. This is an illegal attempt funds that was already written off and deleted from my credit report. Delete this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.., I found that under section XXXX ( a ) Experian, XXXX, and XXXX 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 XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX  Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX law enforcement agency, including the XXXX XXXX  XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX 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 {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Product: Checking or savings account

Tried to link my account with a lender and they rejected my right to link my account so I could receive funds.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX To whom it may concern The complaint is about Ford credit. Filing the complaint on behalf of my husband. My husband been taking care of me during my medical treatments and doctors. Because my husband was taking care of me he started to fall behind on his XXXX payments. Then recently he ended up in the hospital. Both my husband and I work. We both have XXXX. 

My husband call to work out payment plan with ford to prevent any repo. My husband didn't want to stop paying ford. So that is why he call to work things out. Ford has online call if you are having difficulty paying. Which my husband did. He did everything right. He didn't go and not answer when ford was calling. He was keeping them updated on everything. After the hospital my husband was just about to catch up and pay ford off on Thursday as he told the agent. 


On Wednesday they took the car. The day before my husband was going to pay. Yet he was told by ford if he make payment arrangements they will not repo the car. He did everything right if kept in contact with Ford.

Then ford lied to him. Repo the car and left us stranded with no way to get to work. No way for me to get to doctors, couldn't pick up my meds. Couldn't even go food shopping. Our area does not have buses or trains. Everything is not walking distance either. We only had one car. 


Ford is not about helping the people. Instead it appear it's all about money and greed. When my husband tried to explain again our situation after they took our car. All ford reps said they didn't care, not there problem and some said too bad. This is beyond heartless and cruel.

I am sorry my husband was helping me. I never knew Ford could be like this. We was willing to pay ford advance payments. Only ford said no. My husband is good man. Helping me. He volunteer with so many different organizations. He also XXXX survivor. He is hard working man who also work his days off. Some of things ford customer service said to my husband is with cruel intentions. They where so nasty. I heard the calls. How he was spoken to by customer service is unacceptable. If others on social media platform just knew how ford was.

Ford did say they will give the car back if he pay the whole loan off. Are they out of their minds. We are still dealing with hurricane damage to our home. If we had that money. Our home would had been repair by now.
Product: Payday loan, title loan, personal loan, or advance loan

Loan taken XX/XX/XXXX for {$1300.00} first monthly installment was XX/XX/XXXX ( I believe ) for XXXX automatic deductions from my bank account. This continued until XX/XX/XXXX every XXXX or XXXX of the month. Last payments were XXXX for some reason this loan was sold to XXXX XXXX XXXX. XXXX attempted to sue me in XXXX, XXXX and the case was Dismissed. They filed suite against me on behalf of Avant again in XX/XX/XXXX ( I was not notified ) default plaintiff warrant in debt for XXXX. Sued again in XX/XX/XXXX on behalf of Avant for XXXX not notified and defaulted plaintiff warrant in debt. Again Im XX/XX/XXXX ( again never served ) XXXX for garnishment and the case was dismissed.
Product: Debt collection

They keep asking for XXXX somebody. After I explained that there is NO XXXX at this number, they keep calling.I have been nice, i have hung up on them, I have gotten rude with them and they still call.
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit report that are from identity theft that happened in 2023 that I want removed from my credit report. My personal information was leaked and was used to try to open accounts. I have not applied for any new cards in many years. 
These are the inquiries I was able to see that I dont recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

My social security number is totally different from my dads but half of his information pops up on my credit report when my credit is ran. I 've never worked at XXXX XXXX. I 've never Rented a Place Ever, also I 've never owned a XXXX account and several other things on my credit I was underage for most of these things I think they should be removed from my credit because now as an adult I ca n't get a place
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX of birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX pa XXXX I am responding to the email you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


Negative Accounts Account Name 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 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
Product: Mortgage

I entered into a real estate purchase agreement with XXXX XXXX in XXXX 2015 and was asked to use their preferred lender Academy Mortgage. During our due diligence period I met with XXXX XXXX of Academy Mortgage and was told that we were pre-approved for the purchase of the home. During that escrow period as the home was being built Academy informed me that they were not financing the home anymore. When I confronted them about the pre-approval and what changed they stopped communicating with me. XXXX XXXX the broker for XXXX XXXX who also committed to representing me in the transaction and is XXXX XXXX 's brother brushed the transaction aside to protect his brother. When confronted about the pre-approval that they both referenced in conversation with me they denied its existence. So our lender XXXX Mortgage gave a bogus pre-approval and then the paperwork is conveniently lost. And our realtor who confirmed the pre-approval and his confidence in closing the home because of it denies its existence and can not find the paperwork. 
I went to XXXX other lenders and everyone said that the pre-approval was garbage, I am self employed and the business is less then two years old ; so any pre-approval would have been drastically out of industry standards. 
We are out 8 month of time and {$12000.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$2100.00}
Product: Credit card or prepaid card

I have never received a billing statement from my kohls charge card. I have tried switching from mailed to emailed statements and called on this which I was told there is nothing they can do or dont know why. I get all their promotion emails but cant get a statement. They confirmed my email address and it does not go to my junk folders. I tried accessing through my online account and I am unable to access that account every time I try getting a contact customer service upon contacting customer service I get transferred from person to person and eventually a no name voicemail. I am unable to see finance charges or amounts Im being billed for and the company is refusing to escalate internally to resolve.