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

I attempted to reach Experian to receive my free credit report on XX/XX/2019. 
I used three different telephone numbers, one of which I obtained from FTC ; the other two from the official Experian website. 
Their consumer call center asks for identifying information, then promptly offers only two options, neither of which are applicable. 
There are incorrect addresses as well as variations of my name that are incorrect, along with other questionable information. 
There are no phone options to address any of these. 
In addition, Experian did not display my free credit report. 

I believe that this is a right of consumers. 

Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi All, I have leased a Toyota with Toyota Financial Services for years. During COVID and since most dealerships were closed, I agreed to extend my lease for up to 6 months. My account information including bank account have been on file and authorized to charge monthly. For some unknown reason and without any kind of warning, they filed a credit score dispute which as a result dropped by credit by -40 pts and I was in the middle of a PPP loan application for a small business. They may have interfered with this loan as a result with a fraudulent charge, showing an inconsistent amount that I do not owe this dealership.
Product: Credit card

I filed a dispute with Truist Credit card back in XXXX ( the only dispute on the account and only dispute I ever had with them. ) after 2 weeks of filing the dispute I contacted truist for an Update every week for 5 weeks straight. ( until 7 weeks after filing the dispute ) each time they have advised me that they have no updates and no further information to provide me and I have to patiently wait till I receive mail. 

after 6 weeks of the dispute I was calling them and emailing them begging them to know what is going on but nobody that cared and that can provide me any word on it. meanwhile, I do not have access to my money and never received a credit. 

This dispute is very straightforward and no delays needed on it. I sent to truist bank direct proof from the actual person that I paid to showing that he himself is admitting that he scammed me and that he didn't provide me with the service that I paid him for. 

I never received any work or services he was supposed to provide me and he himself is admitting to it and agreeing to it. 

I provided them with all this clear proof and a full detailed message showing them my conversations with the person. 

at the same time that I opened this claim with Truist I also opened one with XXXX XXXX XXXX since there was 2 charges on that credit card also tot he same individual and the same situation. I provided XXXX with the same exact proof and documents on the same day I gave it to Truist, ( back in XXXX ) and they have closed this claim and returned me my money still back in XXXX 

I can not simply understand that we are now 3 months later, this dispute is still not resolved, not only it isn't resolved but there is nobody to talk to and where to get any answers or any updates, nobody to acknowledge anything, the money not accessible, and simply sitting in the unknown. 

I filed a XXXX complaint with Them 2 weeks ago in which I received a response that it is being reviewed and a email address of a person at Truist that I can reach out for further updates. I emailed that person twice in past 2 weeks and no response. this is truly a big shame!!
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account Number:XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX has violated my rights. Or 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: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 XXXX 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

XX/XX/XXXX I Financed brandnew XXXX XXXX with VOLKSWAGEN CREDIT  Sold it to XXXX in XX/XX/XXXX. 

two years later it appeared on my credit with a {$8000.00} balance out of the blue
Product: Credit reporting or other personal consumer reports

This account from XXXX is being reported inaccurately on my credit report. This account was sold TWICE to a third party collection agency. This account was PREVIOUSLY removed from my credit profile, due to being reported inaccurately and they has been added it back to my credit profile again which is a violation of my consumer rights according to FRCA Section 611. and FRCA Section 604. I have sent a cease and desist letter to the creditor and each credit bureaus. According to law, information has to be reported accurately on all three bureaus and XXXX has not complied, because they have inaccurately added this collection account back to my profile. Please remove this account from my credit file once and for all. XXXXXXXX XXXX XXXX the account number is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX  bought a debt. They are telling me I was served XX/XX/XXXX. They served my exhusband. I was never notified about the collection until they started gernishing my paycheck in XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

Requesting help regarding my XXXX XXXX loan. Since the very beginning I been making my payments on time But lately due a serious hardship and XXXX in the family I requested their help and see if they can do something about the interest fees, rates and other charges and even forbearance programs to help out with the monthly payments of {$260.00} XXXX XXXX will like me to default so they can add all the fees and charges and make my debt go from {$6000.00} to {$10000.00}. I called BXXXX XXXX looking for help me another forbearance plan or deferment programs available but no help so far! instead I got transferred from department to department where nobody is willing to listen. The lack of professionalism is big and only inspire distrust to customers. This loan highly negatively impacted my lifestyle and got me in debt now i owed more than i borrow. 

Id like to exercise my rights as a consumer and not be consume by predatory interest rates and other fees.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I filed a loss mitigation application on XX/XX/2023. On XX/XX/XXXX after calling a few times I found I was approved for the mitigation I applied for, but I asked at that time if there was to be anything I needed to sign or send back which I was told a document would be shipped out by certified mail. All of XXXX went by before I called again getting a manager to ensure they would send communication as I had not heard anything other than mail wanting money even though I was in process/approved for mitigation. I received the paperwork via certified mail and paid the fee associated with it. I have not seen on any of the paperwork how much money I am to owe/expected to pay and when the dates are to start again. I called the mitigation department again and was placed into a callback later list still trying to piece together what they have or haven't sent me. I need to know more than what they have sent me in the mail. Which I have attached all documents I have gotten in the mail to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX and was looking at my report today and my credit score with XXXX is showing an account that I didn't open. 
Original Creditor : XXXX XXXX XXXX XXXX Open Balance : {$2400.00} Opened : XX/XX/2021 Collection Agency : COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX " solemnly swear '' that I never opened this account.
Product: Student loan

I do n't understand how I can make a XXXX monthly payment and only {$20.00} gets applied towards the interest. I have federal loans as well but at least {$90.00} will pay the principal down. I make my payments 2 weeks before the due date and yet almost all of my monthly payments are going towards interest. Is this correct or am I being ripped off? The amounts every month are really inconsistent even though I pay around the same time every month. It just does n't add up.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is in reference to refusing to cancel my service. In XX/XX/2021 I cancelled my service due to over debting my checking account on several occasions. I have spoke with several people starting with the XXXX name XXXX out of XXXX, XXXX  that sold me the system. XXXX employees are committing fraud and trying to extort money from me. I believe a woman by the name XXXX XXXX, XXXX, XXXX friends and family that work for XXXX and is behind this. These are people called XXXX XXXX XXXX Please see attachments. 
I do not owe XXXX any money and would like to request for the XXXX time to please stop sending me bills and cancel this service. I would appreciate your immediate attention. I can be reached at ( XXXX ) XXXX. 

Thank you,
Product: Consumer Loan

I applied for a credit line on XX/XX/XXXX for {$14000.00} and paid my bill on time every month. The amount I paid was {$46000.00} to XXXX until they sold my debt to Springleaf on XX/XX/XXXX and I keep paying {$230.00} each month until today. As yo can see my debt was paid XXXX times more and my balance with Springleaf still {$12000.00}. I try to contact them and ask a debt reduction but they told me any deal on this issue. I found this company on XXXX with a very bad reputation.
Product: Vehicle loan or lease

I had a XXXX XXXX financed through Wells Fargo the VIN # XXXX. The bank charged late fees on payments received on time and I calling to complain and they kept putting me on hold. I finally got the amount down to {$4000.00} and was so sick of them adding fees that were not valid I took all my savings to pay the Vue off. Then they took 4 months and tons of phone calls to claim my title to the car.
Product: Credit reporting or other personal consumer reports

Here is a formal dispute letter you can use to challenge the inaccuracies in your credit report regarding the Self/Lead account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute of Inaccurate Information on My Credit Report Dear TransUnion Dispute Team , I am writing to formally dispute an inaccuracy on my credit report regarding my Self/Lead account. Upon reviewing my credit report, I noticed that the information reported is incorrect and needs to be updated or removed immediately. Below are the specific inaccuracies : 1. Account Status : My account with Self/Lead was paid off in full and closed on XX/XX/XXXX. However, the account status still shows Closed without reflecting that it was paid as agreed and in good standing. This could negatively impact my credit score, and I request an update to reflect the accurate status. 
2. Payment History : I have made XXXX % on-time payments for this account, as evidenced by the records. Please ensure that my payment history accurately reflects my consistent, timely payments. 
3. Worst Payment Status : My account never had any late payments, yet there is no information listed under Worst Payment Status. This should clearly indicate a positive payment history rather than missing information. 
4. Term Length Discrepancy : My loan was originally a XXXX ( XXXX ) term but was fully paid off in just over a year. The report does not specify this correctly, which could mislead future lenders. 

I request that TransUnion investigate these inaccuracies with Self/Lead and correct my credit file to accurately reflect my positive payment history and loan payoff. Please update the information and provide me with a corrected copy of my credit report. If you determine that the information can not be verified, I ask that the disputed items be removed under the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my credit report, account details, and supporting documentation for your reference. 

Please respond to this dispute in writing within 30 days as required by the FCRA. If you need any additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email ]. 

Thank you for your prompt attention to this matter. 

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

There is a charged off acct reported in my credit with XXXX XXXX and I have sent several certified mail investigation requests to Experian, XXXX, and XXXX and they ALWAYS come back stating that the information has been " verified ''. 
I have requested a " Method of Verification '' so they can verify the information on this XXXX  XXXX acct reported in my credit. These three credit bureaus have never provide the requested information : 1. Name and position of the person who verified the information. 
2. Number where they called to verified the information. 
3. Date and time when they called to verify the information. 
4. Supporting documents verifying the information. 

They also reporting this acct with a balance and this is wrong and illegal as the acct is already reported as charge off. 

Thanks in advanced for your help to resolve this matter and remove this acct from my credit report.
Product: Debt collection

The following account XXXX XXXX XXXX has an incorrect balance. Balance should be {$240.00}. Please update
Product: Debt collection

I filed a dispute against XXXX on the CFPB XXXX responded and did not remove Harley Davidson, They said this was joint with my husband. This is guilt by association. XXXX never provided me with a contract that I signed neither did Harley Davidson in XXXX XXXX Nevada. This is not my debt, and should be taken off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to remove charge off, charge off suppose to be remove XXXX XXXX
Product: Credit reporting or other personal consumer reports

am disputing seven hard credit marks on my credit report. I did not remember me giving any permission to any agencies to perform a hard credit on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX am asking that these information be remove from my report. 
thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX XXXX XXXX XXXX. I went TDY on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Product: Credit card

We have had repeated robocalls from Synchrony in regards to a supposed JCPenney credit card collection. The number they are calling from is XXXX. I contacted JCPenny chat with that information and informed them to stop or I would report them. It has been three days and the calls have quadruapled with no messages now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, as a consumer, living man and XXXX of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX does not have my written instruction to furnish any inquiry on my consumer reports, especially XXXX that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the inquiry by another person ( XXXX XXXX ). XXXX XXXX must adhere to a consumer 's right to privacy. The credit inquiry furnished by XXXX XXXXXXXX is not attached to an open primary account with XXXX XXXXXXXX. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today I tried to login to my free TransUnion account to lift the freeze for a car insurance quote. Their web page is extremely outdated and rarely works. After XXXX attempts using the correct user ID and password I was able to get in and lift the freeze. The first XXXX attempts gave me an error that said I had been timed out. 
After geting my quote I went back to the same web page to log back in and re-freeze my account. Used the exact same user ID and password but got error that my account had been temporarily suspended. Called for customer service chat. Online for XXXX minutes. Nothing they tried or told me to do helped. Called back and talked to live agent twice. Did everything they recommended both times. Was NEVER able to access my account. This has been going on for years. I found complaints online that are over XXXX XXXX XXXX. It's impossible to access your TransUnion account and the company needs to be held responsible.
Product: Mortgage

In XX/XX/XXXX I refinanced a equity loan with XXXX paying off HSBC They never filed a affidavit of satisfaction. I have asked them about this and filed the necessary document to get this resolved on XX/XX/XXXX .. I did not know of this till I tried to sellmy property ..they are telling me it will take XXXX too XXXX days to resolve this ..Mean whilethe buyers are becoming inpatient and also the people I am buying from..
Product: Debt collection

This is second time that Navient has made error on withdrawing funds from my checking account. BOTH situations have been corrected, however I want it on the record about the errors that Navient has made. 

XX/XX/XXXX @ XXXX AM - I called Navient to withdraw an additional {$810.00} to be applied to the principal on XX/XX/XXXX along with my regular {$300.00} payment. 

XX/XX/XXXX - {$810.00} payment was NOT applied UNTILL I CALL TODAY @ XXXX AM XX/XX/XXXX - Navient withdrawal {$500.00} ONE DAY PRIOR to Scheduled agreed upon day of XXXX XXXX. No overdrafts occurred but Navient employees need better training at bare minimum.