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

I've recently disputed late payments that was inaccurately reported by J.D. Byrider that caused my credit score to plummet. The XXXX XXXX XXXX XXXX XXXX not XXXX XXXX which is one of the deceptions, was reported stolen and never recovered XX/XX/2019.I 've never missed a payment and was never late, however XXXX  allowed JD Byrider to report inaccurately without conducting a thorough investigation to which once discovered JD Byrider should've been blocked from reporting inaccurate information.Instead XXXX  allowed re-insertion of an incorrect charge-off which is false, this is willful non-compliance which is a direct violation, the account should show paid as agreed.JD Byrider illegally marked up the value of the vehicle, without my knowing, triple the amount of the vehicles value.I was cohersed to believe the vehicle would be covered through their insurance, which was incorporated in with the monthly payment as also any repairs through them, which was all a gimmick.The vehicles transmission went out 120 days after the purchase which I had to have towed from XXXX to XXXX Tx . The vehicle was not repaired correctly which led to another break down in XXXX Tx which led to vehicle being reported stolen. This company was sued by Attorney General XXXX XXXX of Massachusetts for the same predatory practices that they're doing in Texas and won a XXXX dollar settlement.The value of the vehicle was deemed {$6100.00} which I thought the purchase price was {$13000.00} which was deceptively placed at $ XXXX.This company has caused substantial and long term damage to me as a consumer with no compassion or relief as to what I am experiencing, a total rip-off!
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. I regularly check my report, but this time, these discrepancies showed up out of nowhere. I refreshed my browser, thinking it could be a glitch, but unfortunately, that didnt fix the issue. The inaccurate accounts stayed. Im requesting that the documents Ive provided be reviewed thoroughly so I can stop stressing over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX general customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX ( the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX agent ID : XXXX and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for XXXX is XXXX. Thank you in advance for your help in this matter.
Product: Debt collection

After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under CB INDIGO and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Debt collection

I have received settlement offer letters from XXXX XXXX XXXX XXXX ; Monarch Recovery Management , Inc., and XXXX XXXX XXXX, XXXX all offering settlements for an account with XXXX with XXXX XXXX. They have all offered different amounts for settlement. Client services never even stated the amount owed on they debt they were trying to collect for. they just offered a settlement They have never provided any documentation about the debt owed, any signed contracts of the debt owed, or proof that the debt belongs to me by original creditor. Each one has/had called every single day multiple times a day.
Product: Mortgage

Starting a refinance with XXXX XXXX XXXX Loan Depot on XX/XX/20 Received Loan Estimate, Lock Agreement ( good through XX/XX/20 ), Appraisal, and was told everything was in order Received call last week that they could no longer complete the loan because of COVID 19, and left me with no options How can they cancel this process after a month and having agreed to terms?
Product: Student loan

I attended XXXX XXXX College back when it was located in XXXX California before they moved to XXXX. I was young, just had a XXXX   and was looking to start a career. I joined their XXXX XXXX XXXX program approximately XX/XX/2006. Although the program was not yet accredited, I was promised that it would be by the time of my completion. I was so happy when I finally graduated and felt accomplished. Unfortunately for me and my class mates, the accreditation of the program that we were promised never came resulting in not being able to qualify for state licensing which made us undesirable to employers. No one wanted to hire me with out my state license and in order to attain one, I needed one year experience which I could not get. The two basically cancelled each other out. After this, XXXX XXXX College shut down the program I took ( XXXX XXXX XXXX   ) because they couldn't attain the accreditation and then moved the whole school to the now XXXX location. 

Since then I have not been able to be employed at all in the certificate that I earned through them and have not been able to afford any payment towards my school loans. I am a struggling single mother and times are hard. So I recently applied for a school closure discharge through Fed loan servicing. I felt i qualified because although XXXX XXXX College still operates and provides numerous programs, the specific program I took ( XXXX  ) was closed and no longer offered through them because of their own shortcomings with the accreditation. Fed loan told me I did not qualify for the school closure discharge because I completed the program.. 

I do not understand how being a school " drop out '' would better qualify me for the discharge. XXXX XXXX College was unscrupulous towards me and many other students, it was even proven in court.. and here I am struggling to attain employment and not being able to pay for a loan which resulted in nothing.. and not to mention the program I completed was closed and the location itself was closed. 

These student loans have haunted me for over a decade. The experience itself has haunted me. I was looking forward to possibly going back to school if i qualified for the discharge and was excited to possibly move my life in a positive direction. These student loans I have now have stopped me from going back to school because I cant afford any more debt. I am left with not very many options and I am filing this complaint with you to hopefully find some answers and solutions..
Product: Mortgage

We had our barn burn down last year, and now are ready to rebuild it. Unfortunately our insurance agent didn't have us keep up with the rebuilding costs, and we ended up being underinsured by around {$100000.00}. 

We contacted our current mortgage provider to get a XXXX in order to rebuild the barn. Our XXXX score is over XXXX. Our loan application was denied because our current pay is not being used for the income because we have a family owned business, and the raises we were able to do for ourselves this year don't count, even though we have XXXX  months of paystubs to show it's a fixed amount. They said they have to use the average of the last XXXX  years of tax returns instead because we have our own company. We started the company in XXXX - almost XXXX years ago! We are growing every year and just expanded into multiple states. 

The loan XXXX said if we worked for any other company our paystubs would work, and we would be approved for the loan! 

This is not fair for those of us that have worked hard to build our own companies!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing this statement on my own behalf. In accordance with the FCRA I dispute the validity of the collections and charge off entries on my credit report. These entries are FALSE and I demand a thorough investigation and verification of these accounts. The FCRA mandates accurate reporting, and I expect compliance with its provisions. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be from the original creditor and signed by all parties involved. These are the accounts reflecting inaccurately on my account : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding the failure to receive the promised welcome bonus associated with my American Express XXXX Credit Card, account number ending in XXXX. 

In XX/XX/XXXX, I successfully applied and was approved for the AMEX XXXX Credit Card with the enticing welcome offer of {$200.00} cash + XXXX points upon spending {$6000.00} within the first six months. Excited by this offer, I diligently met the spending requirement by the second month of card ownership. 

In XX/XX/XXXX, I proactively reached out to inquire about the status of the welcome bonus. During my conversation with Associate # XXXX, I was assured that the bonus would be issued by XX/XX/XXXX. 

However, upon contacting American Express again on XX/XX/XXXX, I was dismayed to learn from Associate # 2 that the decision had been made not to provide me with the welcome bonus. Subsequent conversations with Associates # 3, # 4, # 5, # 6, # 7, and # 8 have only added to my frustration, with conflicting information provided and no concrete resolution offered. 

I would like to bring to your attention the following points in my defense : When applying for the XXXX credit card, I did not encounter any pop-out window indicating that I would be ineligible for the welcome bonus. Furthermore, this was my first time applying for this specific credit card. 

I fulfilled the spending requirement of {$6000.00} within the stipulated timeframe as required by the terms and conditions of the offer. 

Multiple associates, including Associate # 1, Associate # 3 and Associate # 4, confirmed on separate occasions that I would receive the welcome bonus, first by XX/XX/XXXX and then by XX/XX/XXXX. 

The inconsistency in communication and the repeated delays in resolving this matter have severely eroded my trust in American Express as a reputable financial institution. 

Based on the above, I request a thorough investigation into this matter and a reconsideration of the decision not to honor the promised welcome bonus. Additionally, I expect clear and transparent communication throughout the resolution process. 

If a satisfactory resolution can not be reached, I will have no choice but to explore further options to address this issue, including seeking assistance from local small claim court. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was unaware of an account opened in my name. Im a victim of the XXXX breach as well as identity theft. Ive disputed it with all XXXX credit reporting agencies and its coming back as a charge off? The non credit debtor is refusing to comply with the law even though they have stated they are not a credited debtor still report on my credit report since opened XX/XX/XXXX account # XXXX and Account # XXXX opened XX/XX/XXXX Recently I found out it was a account that was opened for XXXX  XXXX that I never gave authorization so when I called 2 months ago they said they would fix it and have it removed but never did and deprived my family of opportunity because of this I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported numerous charges off over XXXX $ charge offs on this amount of less than Ive asked for proof of everything and nothing is getting done, its making it worse. 
On top of that other hard inquires I never accessed Ive contact these companys whos said I dont have accounts with them still report on my credit report and Im lost for words no one will help me I have given documentation verification that has been valid claims for deletion and be compensated for these multiple repeated violations The unknown hard inquire accounts I mentioned are listed below : XXXX XXXX XXXX Digital federal cred XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All of these are scattered across my updated credit report from diffrent bureaus which is a definite sign my information is not being looked into and properly investigated like it says it should be done and Im feelin deprived of my rights and freedoms at this point
Product: Debt collection

The Joseph R. Harrison Company emphasizes that they are attorneys and will take legal action, frightening me, since I would have to make difficult choices such as not paying my rent and/or utility bills, then facing eviction and/or disconnection of electricity and gas to my home. 
I have contacted XXXX XXXX XXXX several times seeking financial assistance, and they have not responded to my applications. 
The first collection claiming that I owe {$1800.00} would have beenpaid by my health insurance at that time, XXXX XXXX. 
The collection letter for {$280.00} I have no idea what that charge is for. 
I am XXXX years old, have a documented XXXX, and I am a XXXX individual ; and currently I have no health insurance coverage at all ; because I can not afford coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a request to open an investigation to Equifax on XX/XX/2021 but never got a response. I then sent out a failure to respond letter on XX/XX/2021 and still got no response. Sent out a final letter on XX/XX/2021 and they finally responded on XX/XX/2021 but just updated everything. To my understanding they only have 30 business days to respond to my investigation and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has removed public record from my account ( attached letter dated XX/XX/2020 ). I have disputed this item several times with both XXXX  and Equifax who report the results of my investigations from their 3rd party reporting agent XXXX as " verified ''. This is inaccurate and against my rights under the FCRA. Please have them remove this public record immediately.
Product: Credit reporting or other personal consumer reports

i am filing this because i believe my personal information was compromised in the XXXX  XXXX XXXX XXXX, which has resulted in unauthorized accounts being opened in my name. According to there ocial XXXX XXXX XXXX website, XXXX I was directly impacted by this breach, during which sensitive personal information such as Social Security numbers, date of birth and other identifying details were exposed. The exposure Off my data during this breach had allowed unauthorized individuals to fraudulently open accounts without my knowledge or consent. This has caused significant harm to my credit and financial well-being.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXXAccount name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to XXXX, XXXX, and Experian to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.
Product: Credit reporting or other personal consumer reports

Ive received numerous amounts of hard inquiries that was unauthorized by me from these companies and wish to have them removed as soon as possible. 

XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX NAVY FCU Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts for XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC, 1681 Account Name : EOS XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXC Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX  XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Has violated my rights 15 USC 1681, section 602 A states , I have the right to privacy.

15 USC 1681, section 604, A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.