23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My family and I needed a new vehicle to fit the six of us and we spent months looking for the right fit. After visiting dealers all over the state of CT we settled on Honda of XXXX. The experience seemed to be going well until the actual lease of the vehicle. I am in XXXX so I had to complete the purchase over the phone and by mail. Honda let my family take the vehicle home while the paperwork was being finalized and we left our trade-in. It took Honda over a month to process the lease paperwork so they told me they would pay the first month of the lease. I thought that was more than fair and had an even better opinion of the dealership at that point. The next month I was able to set up the auto-payment and it seemed everything was ok. Two months later we still had not received the check for our trade-in, even after several visits to the dealer to ask for it. Around the same time I was contacted while XXXX to tell me that I owed Honda for the first month of the lease that they paid for me. I countered that it was my understanding that Honda was paying that month because of their delinquency in completing the paperwork. It went back and forth like that for a few emails until Honda stopped replying and I received a notification from my credit-tracker that said my credit score had dropped. Honda recorded on my credit report on all XXXX major reporting firms that I was delinquent in paying my lease. I checked my Honda account online and paid the overdue balance because, frankly, I ca n't afford to have my credit damaged like that. I requested my free credit report from all three firms once I was able and disputed the claim. I also replied again to Honda to let them know that I thought what they did was unfair and since I paid them the amount they claimed I owed them, the least they could do was remove the delinquency from my credit report. I still have not heard back from them. I did get the resolutions back from the credit bureaus which still has the delinquency for the lease. I 'm frustrated because it feels like the big companies have all the power in these situations and my family is going to be the one that suffers because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( Equifax, XXXX, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX ) for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XX/XX/XXXXfour-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has a duplicate account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has 3 late payments on a secured credit card and one has 4 late payments on another. Now according to 1666b. 
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Product: Credit reporting or other personal consumer reports

I previously submitted a formal dispute regarding an unauthorized credit inquiry that appeared on my TransUnion credit report. The details of the disputed inquiry are as follow XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

The mortgage company is holding funds for a homeowners insurance claim. The funds from that are being shown on the monthly statement. 

Received a statement showing a negative balance ( XX/XX/XXXX. XXXX {$6700.00} ). Called in ( XX/XX/XXXX ) and was instructed that since the balance was negative, I did not need to pay. Received a call a couple of weeks ( XX/XX/XXXX ) later looking for payment. Explained what had happened. They apologized, and I set up a payment. 

Was told on that call that it was an error in the way the statements are generated and it should be corrected. 

1 ) I was assessed a late fee of {$27.00}. This is after a ) they send statements that inaccurately show the amount due XXXX it is a negative number ), and b ) they told me not to worry about the payment since the statement showed a negative balance and c ) I paid within 48 hours after they called and explained THEIR mistake. 

2 ) The statements are still wrong. The statement dated XX/XX/XXXX shows a balance of - {$6100.00}, and an amount due of the same amount ( - {$6100.00} ). This should be corrected as it is misleading to the consumer, me, and misleading to the folks working at the bank since they told me not to worry about paying with such a large negative balance.
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 XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Vehicle loan or lease

US Auto Sales went out of business abruptly in early XXXX when I had just purchased a vehicle from them. The vehicle was repaired once under warranty within the first 15 days. I paid for the extended warranty on the vehicle through US Auto offered through XXXX and paid with my payments. Within a month the car needed another major repair and I got estimate and information over to XXXX to start the claims process under the warranty. I was then told the dealership had not made the payments to the company for the warranty contract and the vehicle could not be repaired. After trying to contact US Auto, to my surprise I found out they went out of business. 

I was stuck with a broken vehicle with a contract sold to a new company called Westlake Financial who advised they would not honor the warranty contract either. The car sat parked until it was illegally repossessed by Westlake. Today Westlake shows on my credit as a repossession charge off for a balance of {$19000.00} for a broken down XXXX XXXX XXXX that the company refused to repair. I dont know how to handle this and I am currently without a vehicle and have a repossession with a high balance on my credit.
Product: Mortgage

I entered into a Mortgage application, loan # XXXX, with Bank of America XX/XX/2016. All documents and conditions were submitted and met in a timely manner. XXXX major conditions include paying off a $ XXXX car loan and obtaining a property appraisal for our current home in order to satisfy their rental property requires. In total we paid close to {$900.00} in appraisal fees. Our application was denied one day before it was scheduled for final approval. No one in the loan and underwriting department can give me an answer as to why my application was denied. A letter came in the mail three days later with an bogus excuse that my loan was denied because the bank can not verify my residency. Although all my document submitted reflects my home address : tax returns, property tax statements, bank statements, passport and mortgage loan statements. No other details were provided on how they reached their denial decision. At this point I 'm out {$900.00} in appraisal fees and the mortgage rate has gone up by .25 % ; I 'm scrambling to get a extension on my purchase contract and shop for a new loan. There are no recourse for me as borrower and no repercussion for the Bank when they pull a stunt like that.
Product: Debt collection

We are participating in a debt relief program and all of the companies in which we owe debt in the program, were notified of our situation and the program by XXXX XXXX XXXX. 

On XXXX, XX/XX/2019, a debt collector, XXXX, from XXXX XXXX XXXX, contacted my husbands work number. The phone number that they called from was XXXX. The phone number that they told my husband to call was XXXX. It is not okay to call my husbands employer regarding this matter, especially since they are aware of us being apart of the program and trying to pay this debt. 

If you have any questions for us regarding his matter please contact us. 

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

Im writing you today to inform you that I'm disputing erroneous information on my credit file. In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. : 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 accounts 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 items of information Any other adverse items 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. 

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

I called Experian on Tuesday, XX/XX/2023, to file a dispute over the phone. I spoke to an agent by the name of XXXX in XXXX XXXX. As I was speaking to him, his phone lost connection and made static noise. I kept saying Hello? Agent are you there? Hello? Then the call disconnected. I called back and got to another XXXX XXXX agent by the name of XXXX at XXXX XXXX. PDT. The same thing happened again. The phone made static sound and I was unable to hear the agent. This only happens when I call Experian. It has never happened when I called XXXX or XXXX. Its upsetting because I was on a long hold in order to get to each agent at Experian. The hold time was over 40 minutes. This is unacceptable. I have the phone calls recorded as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair Company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Mortgage

I am writing The Bank XXXX XXXX XXXX XXXX to ask for confirmation if they are the true creditor. I also request evidence that the mortgage was properly securitized, which includes ALL assignments of mortgage and a copy of the promissory note. I have not received any correspondence from The Bank XXXX NationStar is an alleged servicer, however, court documents with the original recording of title " XXXX XXXX Mortgage '', was never a loan/mortgage per XXXX.
Product: Debt collection

I keep receiving calls each week from XXXX XXXX XXXX XXXX stating " This is a call from a debt collector '' and asking me to call them back at a different number than called from. I do not have any debts to my knowledge. When I called back on XX/XX/23, they told me I had a debt from a doctor who I have never heard of, and that I do not know what they are talking about. They stated that they would send me something in the mail, at maximum 14 business days, and I have not received anything in the mail from them.
Product: Credit card or prepaid card

I wish to lodge a complaint about my  Costco Citi Visa car d. I discovered that the card had been disabled on  XXXX   XXXX  when it was refused at  XXXX    XXXX    XXXX  in  XXXX , CA. I had inadvertently missed the  XXXX  monthly payment specified in the  XXXX  statement. The  XXXX  statement specified a  XXXX   XXXX  due date. I had several weeks earlier scheduled full payment by that date, including the late payment fee and accrued interest. Since that statement due date had not been missed, there was no reason for Citi to disable my card.
Product: Debt collection

Company is sending text message without consent with a link to click. Does not state it is a collection agency.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXXMISSINGINFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERRORFRCA 623VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I can not find any reocords of doing business with the above companies.
Product: Credit reporting or other personal consumer reports

DEMAND is hereby made that you immediately remove all unverified accounts from my credit report. This is my SECOND WRITTEN REQUEST. The accounts listed below that remain on my credit report are in violation of 15 U.S.C. Section 1681.

15 U.S.C. 1681 ( g ) states : Disclosures to consumers ( a ) info on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All data in the consumer 's file at the time of the request.

In at least one of my previous letter ( s ) of consumer complaint to you, I wrote or otherwise made obvious my demand such as follows : I hereby demand that you disclose each and every document that you have in your physical possession as of this date regarding the accounts that you are reporting in my credit report. This demand is being made pursuant to the Fair Credit Reporting Act, 15 U.S.C. Section 1681g. Please send me copies of these documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed herein. DO NOT merely state that they have been verified, as this is not in compliance with the law. 

To date, you have failed to do so and are in violation of the law and are causing me damages. A mere statement that the accounts were verified is insufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a notice from XXXX XXXX that there has been a change in my score. To my complete surprise and utter dismay my credit has gone down XXXX points due to no fault of my own. 

I have not been an XXXX customer since divorcing my husband and moving out of my home in XXXX of 2021. He is currently in the marital home and paying his XXXX bill. 

I moved my parents out of their home in XXXX of 2021 into an Assisted Living facility. We had to keep the power on until we got a renter in who then transferred the bill into their name. 

I did everything I was supposed to do in transferring the bill out of my familys name and into that of the renters. 

I have never received any phone calls or written communication from XXXX advising me there is any amount due. I have never received any communication from the collection agency either. This is the very first time I am even learning of this and this is a grave injustice to someone who has worked so hard on building up their credit. 

Please assist me in getting this issue resolved and removing this unjust derogatory comment off my record and raise my score back to the XXXX it was just a month ago. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that Equifax has unlawfully reported inaccurate information on my Equifax consumer report. I wrote to Equifax on XX/XX/XXXX to resolve this issue no avail ( See Evidence ). It is the duty of every consumer reporting agency to investigate a consumer dispute and follow reasonable procedures to ensure maximum possible accuracy of a consumer report. 
You, Equifax, are furnishing inaccurate hard inquiries on my credit report. The following hard inquiries are not mine, not connected to any line of credit, and must be deleted : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX Delete all employers that you, Equifax, are furnishing. I have no affiliation with any of those employers. 

You, Equifax, are furnishing an inaccurate collection account on my consumer report. XXXX XXXX account number XXXX XXXX XXXX is not my account and must be deleted immediately. 

I am also requesting for the general or specific certifications pursuant to XXXX XXXX required by 15 U.S.C. 1681b ( f ) to establish permissible purpose and compliance to furnish this account on my consumer report. This account has been reported since XXXX XXXX and XX/XX/XXXX according to my consumer report, so I am requesting the general or specific certification that was given to you, Equifax, on those dates required by procedure to place this account on my report. If you claim to verify, validate this account, I am requesting the results of the reinvestigation and the procedure pursuant 15 USC 1681i ( a ) ( 6 ) and 15 USC 1681i ( a ) ( 7 ) to do so, as well as their sworn certification of accuracy. Equifax is required to complete this reinvestigation pursuant 15 USC 1681i ( a ) ( 1 ) ( A ). I am likewise requesting the original documents pursuant XXXX XXXX. If you, Equifax, can not verify this account under the requirements of the law, it must be deleted immediately! To be clear, I am requesting a preponderance of evidence to the facts ; not conjecture. 

References : Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX ( XXXX Doc # XXXX & # XXXX ) 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i ( a ) ( 6 ) 15 USC 1681i ( a ) ( 7 ) 15 U.S.C. 1681b ( f ) XXXX XXXX Statutes Violated : 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681q 18 U.S.C. 1028A