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

i am behind in my payments due to very high interest in the loan, also due to this situation I will almost pay for the car very close the doble of the vehicle value at the moment off the purchase if we include penalties in late payments, and the high interest as you can notice with the papers that accompanied this letter also I have the situation of my mothers XXXX XXXX makes me skip many days at work .being late or leave early in my schedule working hours, I sent a letter requesting some help. this letter was annexed to one of the checks of the monthly payment, the exact date of the send of this letter I do n't remember. but they did receive the letter, the check was cleared I did not received any answer, I have been trying to refinance the vehicle but due to my situation I have been rejected, on the basis I do not meet their requirements of refinancing, like have a cosigner and the likes. Also I was told, that due to the conditions of the loan, it will be difficult for me to get a refinancing of this vehicle, I do want to keep the vehicle I make the effort to be current in the payment, but not always is that easy.27 payments already are being done and the loan seems it will never be paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time getting a direct answer to my issue. I have excellent credit. Had a car loan from XXXX XXXX XXXX. Never missed a payment or late on a payment. Decided to pay off loan amount so as not to incur addition interest payments due to the pandemic. Checked my credit score on XXXX and Transunion and they dropped my score 20 points. Spoke to both agencies and they informed my it was due to the fact that I closed an account. I explained to both agencys that I did not close the account. The account went into fee simple status because my loan was paid in full and it was a legal obligation for XXXX to close the credit line upon loan being paid in full. They informed me it is still deemed as a closed account. So I pay my loan in full and they are justified in lowering my credit score. How about the fact that I eliminated almost {$5000.00} of outstanding credit that in practice should by agencies standards raise my score. I never miss a payment and pay my loan off early and I get my credit score dropped 20 points. This is legal.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX
Product: Mortgage

This is a follow up to my complaint XXXX. Given Freedom Mortgage has not replied other than to have someone named " XXXX '' call me from phone # XXXX and leave me a call back # XXXX which is a fireworks company in XXXX IN. 

I am submitting the document I sent them today ( for the 3rd time ) showing that their harassment of me is completely unfounded.
Product: Credit card

On or about XXXX 2015 Chase Credit Cards issued me a XXXX/cancellation of debt. I never requested the debt be cancelled and I was actually willing to work with them to resolve this debt. They advised me that they issued the XXXX because they made no effort to collect the debt. I contacted Chase to discuss this account but they were unable to help me which I will never understand. I do n't understand how their failure to attempt to collect an account becomes a tax burden on me. I never once asked for the debt to be forgiven, I created the debt and was willing to pay it they just did not want to collect it. Makes no sense to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) Bank of America willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( 2 ) Bank of America willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( 3 ) XXXX did not remove the unauthorized inquiry from in spite of many warnings
Product: Credit reporting, credit repair services, or other personal consumer reports

Because my credit information was compromised by Experian, I put a freeze on my credit. I need to lift it temporarily, but the website I was directed to shows "under construction". When I called, the only option I was given to change the freeze state is to write them, enclosing reams of information to prove I am who I say I am. This is in spite of the fact that I have the security pin given to me when I did the freeze. I feel that they are deliberately making this difficult for consumers to discourage them from having freezes on their account. The freeze was only necessary because of their bad data practices which exposed all my information to the world. XXXX has a great online way of managing freezes and it's a disgrace that Experian doesn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

One XX/XX/XXXX when signing the original loan documents papers with Onemain Financial. During the signing process the loan representative changed the original loan documents causing the original loan approval to be deleted. The loan representative keep trying to get the loan reapproved but his actions resulted in multiple hard credit inquires and letters that the loan was declined. I was finally able to sign for the loan on XX/XX/XXXX. I called XXXX  but was told that I need to file a police report and send them a copy of the report. They refused to open a dispute. 
I mailed a letter dated XX/XX/XXXX to Onemain Financial disputing the multiple hard inquiries. I confirmed, by phone, that the letter was received on XX/XX/XXXX. 
Their response was to send me letter why my loan was turned down instead of investigating the issue. I have made several calls to get a update on my dispute but only receive a run around. My last contact with Onemain Financial was on XX/XX/XXXX. I was told that my file was given to someone who was investigating the dispute and finished it XX/XX/XXXX. I was also told that I may to start the dispute process over.
Product: Debt collection

This is not valid and does not belong to me. I have disputed the collection item on my Consumer report. They have ignored the request to clear this item and to validate with providing the Original contract. Per the item listed on the Consumer report ; the open date is XX/XX/2023 but reported also on XX/XX/2023. This is violating my rights as a Consumer as they are tarnishing my credit reputation. As per the Consumer laws, XXXX XXXX and others, they have violated many laws. They did not send any letter for collection. Since there is false reporting with this item, I am demanding that they remove this from my Consumer credit report. I do not have any contract with National Credit Adjusters.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was recently discovered that a very large data breach occurred within the Equifax system. After some research I was directed to Equifaxsecurity2017.com to determine whether my personal information was impacted. The following message was shown after providing my personal information : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 
Click the button below to continue your enrollment in XXXX XXXX. 

While I have since enrolled in Equifax 's XXXX as well as XXXX XXXX  XXXX programs, which are both FREE. I have, in addition been able to put a block on my credit profile for both of these agencies without a cost. 

The problem I now have, is when trying to achieve the same sort of credit block for XXXX, I am directed to a FEE-ONLY service unless I qualify as a victim of identity theft. 
I feel that based on the type of data that was compromised ... Social Security numbers, birth dates, addresses and even some driver 's license information ... all of which can now be potentially used without my knowledge for the rest of my life, that I would qualify as a victim of identity theft. Therefore, I feel I should qualify for a free credit block/freeze option from any bureau collecting and reporting my information. 

XXXX specifically requests a valid copy of a police report, investigative report or complaint filed with law enforcement agency to qualify for a FREE credit freeze. 

Please send me a certified copy of my formal complaint so that I can protect myself against any potential future threats against my livelihood.
Product: Debt collection

XXXX XXXX To XX/XX/XXXX Assumed debt through Original creditor XXXX {$2600.00} Original creditor XXXX sold the assume debt at a much higher price to GC services XX/XX/XXXX for {$3300.00}. 
I sent out a dispute letter around XXXX I havent received any notification of GC services selling the assumed debt to XXXX  XXXX XXXX  on XX/XX/XXXX {$3300.00}. Ive recently sent out a validation letter to GC Services to receive a mailed contract of the assumed debt that was sold.
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. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
5. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, State of Michigan Child Support acct # XXXX, State of Michigan Child Support acct # XXXX, XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency. 

My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. 

These letters were sent XX/XX/XXXX for which I have certified mail receipts. I t has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of Equifax, XXXX, and XXXX to provide a timely response to my credit report disputes. On XX/XX/2023, I sent certified letters to each company disputing several inaccuracies on my credit report. The letters were delivered on XX/XX/2023, with the respective tracking numbers : Equifax ( Tracking Number : XXXX ), XXXX ( Tracking Number : XXXX ), and XXXX ( Tracking Number : XXXX ). However, it has now been over 30 days, and I have yet to receive a completed report on any of my disputes. I request the CFPB 's immediate assistance in resolving this matter promptly.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my finial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

My Chase bank freedom unlimited credit card is been hacked and being use by someone to purchase giftcard at store from XXXX XXXX XXXX XXXX  Someone hacked my credit card and use at store like apple store, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XXXX store purchase XXXX and XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Also, someone have access to my chase account and making fake payment under external account thats not under my name. Chase bank first accept it and then return the payment. The credit debit add up to XXXX. I did not make these purchase at these stores, and I already filed the fraud claim report to chase bank. However, chase bank does not support me, and closing my bank account and freeze my money inside for 10 business days.
Product: Credit reporting

I have been disputing XXXX sales and lease AKA XXXX rents on all three of my credit reports for reporting false and inaccurate information since XX/XX/XXXX 
I had to finally reach out to the Governers office of consumer protection in GA against XXXX 's because I requested they, XXXX validate the debts for me, sending them a certified return reciept letter dated XX/XX/XXXX -- -To Date -- - they never responded to my request. 
I reached to to the Governers office in XXXX and they tried to reach XXXX XXXX see attached letter XXXX AND even they were ignored ( see attached ) In the intern ALL negative accounts with XXXX 's were delete from both XXXX XXXX XXXX see attached ) and XXXX with the exception of Equifax. 
I then sent Equifax a letter, certified return receipt requested and date stamped XX/XX/XXXX XXXX See attached XXXX asking them to please remove XXXX rents as they are not complying or responding and that XXXX XXXX and XXXX have deleted them from my reports. 
I have allowed sufficient enough time to hear back from Equifax -- - to which I have not, so today XX/XX/XXXX, I called them and once AGAIN explained the situation and asked that they remove XXXX rents negative inaccurate report from my credit report. 
NOW -- Equifax is stating " they can not remove it, only XXXX can '' I have been made aware that the credit reporting agencies are supposed to report ACCURATLY, and I have gone above and beyond to prove that XXXX is not reporting ACCURATLY and Equifax is denying my request and essentially telling me, even with the information they have, all the disputed I have made since XX/XX/XXXX till current, that they are refusing to comply. 
I wish to file a complaint against this company.
Product: Vehicle loan or lease

Since I finance the car with Ally finance They have not actually reported my payments the dates are incorrect and it still showing that the payment last that I paid on it was in XXXX were in almost XXXX now and they have not updated it its every month that I go through this with them Ive called multiple times to them and explain the problem they do not fix it I disputed it with the three credit bureaus and they still have not fixed it
Product: Credit card

I saw a charge for {$130.00} on my credit card that was made through PAYPAL on XXXX XXXX XXXX  The phone number listed on the account went to PAYPAL. The first representative located the charge and transferred me to a different representative to dispute the charge. The second representative said she couldn't find the charge and then wanted additional personal information. I refused to provide any additional personal information> I don't have an account with PAYPAL and I don't want to open one. This isn't the first time charges have been made through PAYPAL to my credit card without my authorization and it has to stop. The charge was made on XXXX for {$130.00}, last 4 digits of my credit card are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid my vehicle loan in full to Nicholas Financial, for some time this account has had multiple reporting errors. Upon dispute of these errors in JXX/XX/XXXX, the XXXX XXXX obviously provided validation, and XXXX   and or Nicholas Financial updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to Nicholas Financial who claims that XXXX is the culprit in the matter, and to XXXX  that claims that Nicolas Financial is the culprit.Additionally: They say in the prior complaint that they could not locate this paid and closed account, upon calling they were easily able to locate the account and discuss this with the credit reporting department in their organization who still has not corrected this erroneous entry into my XXXX report and does not seem to have a clear understanding/comprehension that marking a paid account 30 days past due as the current status is not just inaccurate but false, the Status of this account is paid/current further this account has not been marked as disputed by me as inaccurate and is directly and negatively affecting me. This is a 3 year old problem!!! Once again this account reporting is in violation of the FCRA section 609. for further reference the account number on the file is reporting as #XXXX, My maiden name if it helps them locate it in their records is XXXX. I ask that this account IS REMOVED in its entirety otherwise I will take all further necessary action due to me by law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report in my. despite my submissions, Equifax and XXXX consistently responds within 24 hours stating the account is accurate, without providing and evidence of a thorough investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. further more, Equifax 's and experians actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 553 ( a ) ( 1 ) - ( b ), as highlighting in the CFPB 's recent Administrative proceeding ( file No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and XXXX complies with federal law and provides consumer with necessary proof of investigation. here are the accounts that I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There are XXXX collection accounts on my credit bureau report. All XXXX should be removed because there has been no activity in about 8 years. XXXX. XXXX. After I XXXX, I never used any credit cards or made any payments