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

VW credit is sending me fabricated bills about a lease that has already ended, in XX/XX/2019, WITH A BALANCE OF XXXX. This lease was CORRECTLY TERMINATED, VEHICLE WAS RETURNED TO THE DEALER IN PERFECT CONDITION WITH NO DAMAGE WHATSOEVER. Dealer documents show an ending balance of XXXX. Recently, I started receiving " Turn-In Settlement Invoice '' bills from VW Credit about this terminated lease which are NOT EVEN DATED and simply state " payment due upon receipt '', and provide NO EXPLANATION WHATSOEVER about what they are for. Two such bills were received. I informed VW Credit by fax to the corporate office twice, once for each bill received, that these are not correct and will not be paid - but they have not answered my communications and continue to send the same bill over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., Experian, XXXX, XXXX  XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to Experian, Experian, and XXXX  on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, Experian, XXXX, and XXXX  have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank you.
Product: Credit reporting or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit file after I have asked them numerous times to remove them. They are being paid by companies that I never did business with to report false information on my credit file causing hard and making me look bad to creditors. I have never authorized these inquiries and demand that they are removed off my credit profile. I know for a fact that only 100 % accurate information can be reported to my profile and any/all inaccurate information must be removed. These inquiries have caused me to be denied credit and caused financial harm to myself and my family. I am begging the CFPB make this company abide by FCRA rules and demand them to remove the inaccurate and false information from my report. The inquiries below does not belong to me, please remove now. 

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

I called XXXX company and cancelled my contract due to the contractor XXXX XXXX never coming out to start the job. XXXX ( The company ) and XXXX XXXX of XXXXXXXX XXXX XXXX ( The contractor ) both agreed to cancel the contract and not have it report to the credit bureaus. On XX/XX/2022 XXXX has since reported the account to the credit bureaus ( Experin, XXXX, XXXX ). The account is reporting as XXXX XXXX account # is XXXX and XXXX  # XXXX. 

XXXX XXXX opened the fraudulent account on XX/XX/2022. I have spoke with both the contractor XXXX as well as the lender XXXX and XXXX assured me that this information would not be reported on my credit report and thatchy would cancel the contract. 

I spoke with XXXX XXXX ( XXXX XXXX ) over at XXXX at XXXX EXT # XXXX and he provided me with a case # XXXX regarding the cancellation of this loan and it should have never been reported to the credit bureaus.
Product: Debt collection

Incorrect accounts were added to my credit report. Ensure theyre blocked and deleted without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a XXXX XXXX account for a medical procedure, and was approved. On XX/XX/XXXX, I was completed the approval process for the procedure only to find out in the same day that my XXXX XXXX account was frozen pending a fraud investigation. I contacted the credit bureaus and was directed to XXXX as the agency originating the problems. On XX/XX/XXXX, I contacted XXXX, spoke with XXXX. She claimed that XXXX received a dispute via mail on XX/XX/XXXX and without contacting me or notifying me, reported the account as fraud on the same day, resulting in it being closed/frozen. XXXX refused to allow me to stay with a supervisor or details regarding the dispute, such as who filed it or what it included. 

The credit reporting agencies should be required to provide documentation of disputed accounts, including copies of the original dispute. Before a dispute is finalized, the consumer should also be notified. 

Even worse, the credit report and information was sent to Experian and sent back to the company ( aka XXXX XXXX ) started that it 's a " consumer dispute '' even though I never initiated the dispute. Experian did not contact me regarding the dispute either. This should be illegal, claiming I filled a dispute when I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my account as late. This payment has never been late.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$530.00} XXXX XXXXXXXX XXXX with a balance of {$560.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$720.00} XXXX XXXX XXXXXXXX with a balance of {$750.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$550.00} XXXX XXXX XXXX with a balance of {$560.00} XXXX XXXX XXXX XXXX with a balance of {$200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$120.00} XXXXXXXX XXXX XXXXXXXX with a balance of {$450.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$710.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$340.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$630.00} XXXX & XXXX XXXX with a balance of {$480.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$210.00} XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX with a balance of {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account at Fifth Third Bank based on an advertised promotion. On XX/XX/XXXX I met the first requirement for the promotion and from XX/XX/XXXX through XX/XX/XXXX I met the second requirement and the bank is refusing to honor the promotion. I have statements from XX/XX/XXXX through XX/XX/XXXX which show the minimum balance requirement was met for at least 60 or more days. The bank dealt with me in a deceptive and fraudulent manner by refusing to pay the promotional fee after I met the requirements. After claiming I had not yet met the minimum balance requirement as of XX/XX/XXXX ( even though I have statements showing I did meet the minimum balance ), I prolonged the life of the account to meet the requirement resulting in the bank charging me more in service charges. The wording in the banks promotional offer " minimum balance '' does not specify average or monthly. The wording does not specify when the 60 days commence or terminate. This allows the bank to interpret things after the fact to the banks advantage and is deceptive and fraudulent of the consumer. Numerous attempts to resolve this with bank personnel led to unprofessional and insulting behavior toward me and an intransigence to seeing things from the customers viewpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will t

ake legal action. 15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Mortgage

I submitted a claim on XXXX/XXXX/16 [ Case number : XXXX ] SLS responded that they WILL NOT REMOVE THE 30 DAY LATE. There decision is illogical and I will continue to dispute this with more vigor.I have provided my response letter to help explain the details .... 
XXXX XXXX, 2016 To whom it may concern, I am completely dumbfounded at your response! You must REVIEW this attached letter and other documents AGAIN -YOUR INFO IS INCORRECT! You produce and claim you sent a letter stating payoff instructions but I NEVER RECEIVED ANY CORRESPONDENCE LETTER WITH PAYOFF amount! You stated you sent the check back! THIS IS NOT TRUE! I OBVIOUSLY DID NOT RECEIVE THE CHECK BACK or how could you cash it on XXXX when the letter is dated XXXX. If you sent this letter WITH SPECIFIC PAY OFF REQUIREMENTS AS STATED why did you cash the check when a cashier 's check was required! IT IS ILLOGICAL AND I ASSERT it is CORRUPT AND DISHONEST! If this was done properly, and YOU ACTUALLY returned the check, I would have MAILED THE CASHIER 'S CHECK AND ALL WOULD BE WELL. I YOU had NOT CASHED THE CHECK I would have been alerted and resolved this and ALL WOULD BE WELL. IF YOU WOULD HAVE APPLIED MY XXXX payment on XXXX XXXX when it was received then ALL WOULD BE WELL. IF YOUR EMPLOYESS WOULD HAVE ADVISED ME PROPERLY 4 TIMES THAT I CALLED! THEN ALL WOULD BE WELL-but YOUR COMPANY DID NONE OF THESE THINGS and THIS COMPANY SLS is therefore SOLEY RESPONSIBLE!!!! You cashed my check and did NOT APPLY IT!!!! 
Think about this ... If this letter was in my record WHY DIDN'TANY OF YOUR employees have any idea about it! I assert it is BECAUSE IT WAS NOT THERE. I assert that you are unfairly reporting a late payment and that I was unfairly ill advised through personal phone calls and mail correspondence and am therefore NOT RESPONSIBLE FOR 30 DAYS LATE REPORT TO CREDIT AGENCIES. It is NOT REASONABLE to consider this could be! I MADE THE LAST PAYMENT ON TIME XXXX XXXX -- -YOU HELD THE MONEY FOR OVER 50 DAYS until XXXX XXXX!!!! Even though AND ONLY AFTER I called SEVERAL times -see my LETTER again! I AM OUTRAGED BY THE DISHONESTY HERE AND HAVE REPORTED YOU TO THE CFPB
Product: Credit card or prepaid card

XXXX XXXX has committed fraud on my XXXX XXXX account that I paid in full, {$320.00} before the due date XX/XX/XXXX ( see account statements attached ). 

XXXX XXXX staff did not process my payment until XX/XX/XXXX forcing a late fee and interest charges. 

XXXX XXXX continues to assess late fees and interest charges on my account even today! 

My XXXX XXXX billing statements arrive on our about the XX/XX/XXXX of the month, and my payments are mailed by the XX/XX/XXXX of the month. No way are my payments late unless XXXX XXXX decides no to process the payment and therefore committing fraud by assessing late fees and interest to customer accounts! 

XXXX XXXX has wonderful merchandise but the credit card company, XXXX XXXX, continues to commit fraud against customers, me! My credit scores are being affected by the fraud committed by XXXX XXXX! I want XXXX to reverse the late fee ( s ), interest charges, then, send to me a statement with a XXXX balance on it by XX/XX/XXXX. 

XXXX XXXX is relentless! Please stop them! 

Here is a contact person for XXXX XXXX ( i.e., Attn : XXXX XXXX ) at XXXX. XXXX XXXX, XXXX, Ohio XXXX.
Product: Payday loan, title loan, or personal loan

Received a call from a collections agency on XX/XX/2021 stating I owe {$2400.00} in late fees and interest from a payday loan from AceCashExpress on XX/XX/2021 which the original payday loan was for {$940.00} ( # XXXX ) I was first told it was done online then in person at a store front at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never lived let alone took out a loan with AceCashExpress or any payday loan company. Never received any Mail notification because the person who used my info gave a false address. Not sure how my number was obtained either after 8 months from the initial loan. Again, I never took out this loan and my personal info has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax, XXXX  and XXXX  many times before the Covid-19 situation, sent letters with documentation to Equifax to REMOVE the Security Credit Freeze OFF my personal credit file and credit report! None have been answered nor rectified to be taken off immediately! They are quick to put in on people 's credit file without documentation, but refuse to remove it upon request ... In XX/XX/XXXX, I spoke to customer service and she told to send a coverletter of my request along with my state drivers license, copy of social security card, current address, phone number and utility bill ... I have done that part routinely and made copies of what I've sent via Certified mail on XX/XX/XXXX ... Funny how the documentation wasn't needed when they put the XXXX FREEZE on my account! There are erroneous credit information on my report from Equifax, XXXX  and XXXX  whereas they have not take the time to verify them to take it off! I can't dispute these when they refuse access for me to make corrections! There was is " No Way '' for us to ever regain/restore lost credit score points when they make mistakes ... Did you know that?!? Once they make a mistake, and our scores go down, there is noway to restore those lost points!! They are criminals that also allow breaches of our data for the programmers who sell our information to XXXX   and make new credit files from us. I have worked in the XXXX XXXX  XXXX   since XXXX and also as a XXXX XXXX at a bank! I have seen some very discriminatory reports against people of XXXX! The programmers put Algorithms in the credit coding that discriminate against the natural citizens of the United States of America!!! And Congress allows it! The credit reporting companies have too much clout, and are criminals that allow our personal profiles get breached! I have witnessed this over and over in the fraud department at the bank and had to cancel several cards from XXXX. When I went to verify their names and previous addresses, and relatives to reactivate the card with very large credit lines, they would use the American 's names and still get it wrong! We cant even get through to them to fix our own reports or disputes! Congress needs to step up to the plate and stop these criminal reporting agencies from high-jacking our credit reports, let us be able to access our reports so we can have mortgage companies and retailers access our profiles!!! Also, and to let you know that when certain groups of people come into the USA and are not natural citizens, the United States of America " allows '' them to buy homes without a credit report because it's against their religion ... XXXX!?! As " they '' say - Do as the XXXX   do! But we as citizens that built this country don't have the same opportunity! That is crazy and discriminatory against our own people! I will not be bullied by this system anymore and will start telling EVERYONE how you allow foreigners priviledges we cant even get here for ourselves! I'm rising up on this matter!
Product: Student loan

Over the past 10 years navient has steered me to forbearance and deferment. Only in the past few months have they been more open to me using a repayment income-based plan. I think they're thieves! It's really ridiculous how much student loan there is in this country and how hard it is to pay it back or get rid of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XX/XX/XXXXXXXX XX/XX/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.
Product: Credit reporting or other personal consumer reports

I just review my credit report and found a inquire from SYNCB/PAYPAL on XX/XX/year> and i never request anything from this people also i am XXXX patient and in XX/XX/year> i was under treatment and XXXX so this is not mine. I demand this inquire to be removal from mu credit file open attach for proof and letter
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. 

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/year>
Product: Credit card

Dear Sir or Madam : Bank of America continues to erroneously assess late payments and interest charges to may account. As supported by all of the evidence, I paid my balance in full on time ; however, BoA, for unknown reasons, returned at least two payments made by ACH deposit. Finally, weeks later, BoA actually processed an online payment. Despite its numerous mistakes, BoA continues to send threatening letters to me and harass me by telephone and SMS. Please intervene.
Product: Student loan

Navient is not applying over-payments to my principal despite being directed to do so. I have been making all my extra payments on the highest interest loan. According to their policy they will continue to advance the due date on this loan indefinitely unless I request otherwise. I have routinely indicated that payment should be made to the the principal and not advanced, but they have consistently done the opposite. I call every month to have them remedy this, and they note that I have indeed directed them to apply the payment to the principal. On my latest call after much pressure, the representative stated that this would be a recurring issue as I am in the IBR ( income based repayment ) program and that I would just have to call each month to fix. When pushed to clarify if this was just an issue with my account or a known issue with all accounts wishing to apply over-payment to principal, the representative did additional research and found that it was a known issue with other accounts as well. 

This causes additional interest to accrue on my student loans and benefits Navient. I find it hard to believe that a company responsible for handling billions in student loans is unable to fix this issue in a timely manner. I am wasting an hour every month on the phone trying to work this out. Now knowing that it is not a one time issue and that it is effecting other people trying to make repayments ( some of whom may not be catching the issue ) it seems like an issue that CFPB should look into.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : Please remove the account : XXXX XXXX Please remove this account ASAP.
Product: Mortgage

Bank of America has executed a robo signed real estate document related to this account. However, there is no County Recorders Office record of the document. When I brought this fact to the attention of the single point of contact and requested a certified recorded County Recorders Office copy my request was ignored. Bank of America only response was to state that there is no requirement all real estate loan documents be recorded unless the bank intends to collect on any default through foreclosure. 
Fast forward to today, this document is now more than five years old and unrecorded. 
Bank of America has now caused to be recorded a Notice of Default and Election to Sell with California Declaration and a Substitution of Trustee on a now defunct Deed of Trust where no consideration has been made, accepted, or applied to the associated home loan mortgage account since XX/XX/2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

the major three credit reporting agencies have not been helpful. i have made several inquiries on my report that items were not mines due to the Equifax breach that happened hears ago. they would take it off then it reappears.
Product: Credit card

I recently reviewed my Bank of America consumer card statements and I had promotional balance transfer offers that seemed higher than they should have been. After digging through my statements, Bank of America had not deducted my entire payment amounts from 0 % promotional balances, which left a larger balance subject to interest at the expiration of a promotional period. I went as far back as XXXX of XXXX and noticed discrepancies that I did not pick up back then. I have called Bank of America and the associate 's response was that everything was correct on my statements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  account XXXX. This is a fraudulent account that is also violating the law! 
Under Section 15 USC 16811 ( 5 ) ( B ), if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. This account is not complete and accurate I have attached copy 's of my credit report showing that it is reporting definitely across all 3 credit bureaus I have attached my report to this complaint. This account was deleted from my credit report then re added with out any explanation!