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

On XX/XX/2021 I paid my account in full with XXXX XXXX From XX/XX/2021 - XXXX I've disputed the balance with all 3 credit bureaus I've called all 3 credit bureaus they're stating that credit one is continuing to report that i haven't made a payment. 
I spoke with credit one 's customer service reps multiple times and they keep apologizing and telling me to have the credit bureaus call again and they'll give them updated info and accurate info and have not kept their word. 
My credit score continues to drop due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I filed a complaint with CFPB ( # XXXX ) against XXXX XXXX  concerning XX/XX/XXXX day late payment error on my credit report, on XX/XX/XXXX XXXX XXXX Responded to the complaint saying on XX/XX/XXXX they submitted a request to the Credit Bureaus to have this 30/60/90 day late payment error corrected to ( Paid in Full & Paid as Agreed ) on my credit report. Also XXXX XXXX emailed me a confirmation letter stating that they advised the credit bureaus to remove the 30/60/90 day late payment error from my report. So it would Reflect PAID IN FULL / PAID AS AGREED & PAID ON TIME, the Credit Bureaus refused to make these Corrections to my credit reports. So on XX/XX/XXXX I mailed copies and faxed proof of my ID to the Credit Bureaus and attached the response letter to CFPB from XXXX XXXX & the letter that was email to me by XXXX XXXX stating that they have reached out to the credit bureaus to remove & correct the 30/60/90 day late errors and to update my account. XXXX & Experian, XXXX refuses to make corrections after XXXX XXXX have requested for the 30/60/90 day late to be remove. I have been disputing this Error to the credit bureaus personally since XX/XX/XXXX concerning this Particular Account!
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I took a look at my credit report and noticed an unauthorized collection reporting on my report. 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 who the report relates. 

please investigate and remove the following fraudulent collection account ; XXXX XXXX XXXX XXXX XXXX I have knowledge of this account nor have I ever had relationship with the orginal creditor.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  and American Express, XXXX XXXX XXXXXXXX regarding the misuse of my credit report, which violates federal laws and my consumer rights. I want to emphasize that I have already opted out previously from having my information reported, yet XXXX XXXX  and American Express, XXXX  XXXX XXXX disregarded this opt-out and unlawfully reported information on my credit report, which is a clear violation of federal law and my rights. Furthermore, pursuant to 15 USC 1681 ( b ), which outlines permissible purposes for obtaining a consumer 's credit report, XXXX XXXX  and American Express, XXXX XXXX  XXXX did not obtain my written consent to furnish any information on my credit report, nor did they provide me with the option to opt out. This is a direct violation of my rights under this federal law. Their actions also violate the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies and certain other organizations. By unlawfully reporting my information without my consent and ignoring my opt-out request, XXXX XXXX  and American Express XXXX XXXX XXXX XXXXXXXX have XXXX upon my privacy rights. Moreover, it is unlawful to report transaction history on a credit report without proper authorization, as stated in 16 CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without the consumer 's consent, further highlighting the severity of these violations. Additionally, 16 CFR 433.2, which addresses the preservation of consumer claims and defenses, is relevant in this context. This regulation ensures that consumers have the ability to assert their rights and defenses, including the right to dispute inaccurate or unauthorized information on their credit reports. I demand that XXXX XXXX  and American Express, XXXX  XXXX XXXX immediately remove the inaccurate reporting from my credit report and update it to reflect that the debt is paid in full. Furthermore, I demand that they provide the following documents : the account ledger, forward flow agreement, and chain of title. Failure to provide these documents would indicate that they can not prove that anything is owed at all. Moreover, I want to highlight that XXXX XXXX  and American Express, XXXX XXXX  XXXX have committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security. Neither XXXX XXXX  American Express, XXXX XXXX XXXXXXXX, has the right to use the non-mailable addresses they have on file, and all communication must only be through the Consumer Financial Protection Bureau ( CFPB ). Failure to comply with these demands may result in further legal action. I expect immediate action to rectify these violations and ensure that my consumer rights are upheld in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX report to Experian that I was late for my XXXX payment. I wasnt given any chance to make the payment due to statement error from XXXX. The XXXX statement and XXXX statement have payment due XXXX. Ii couldnt made no payment on line.I should no be blame for them mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to Equifax, XXXX, as well as XXXX with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. XXXX Court is not an information provider as we do not report any information to these agencies. Under the Fair credit reporting act, take appropriate action to correct inaccurate information on a credit report. What method of verification did you use?
Product: Vehicle loan or lease

I recently purchased a new XXXX XXXX from a car dealership in XXXX XXXX ( I do not need to name the dealership as they are not the subject of my complaint ). My wife and I were pre-approved for a car loan through Truist Financial. The car was purchased and final docs were signed on XX/XX/2024. The following day, I received a call from the car dealership and was told that Truist was requesting a copy of my wife 's green card. I am a XXXX citizen and my wife is a legal permanent XXXX Resident with a valid green card. I am also a veteran of the XXXX XXXX. We immediately sent the green card document to the car dealership to forward to Truist. On XX/XX/2024 I received another car from the car dealership informing me that Truist was retroactively canceling my auto loan deal due to my wife 's residency status. This is absolutely outrageous, and clearly discriminatory. The dealer arranged alternate financing through a different lender, but I want to document the racist business practices that Truist exhibited during the past week of dealing with them.
Product: Debt collection

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more clarity on. I am not stating that they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. 
Some of the people reporting things on me, I have never heard of, which is why I am contacting you. Are you familiar with something called 15 U.S. C. Sec.

1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. I'd really like these accounts deleted if they are not 100 percent accurate and correct. Please check on these and get back to me? I also was informed by a free lawyer on this forum site that you have 30 days to complete this investigation. Please investigate the following account and remove them if anything is missing or incorrect. I attached the inaccurate information l 've obtained from the reporting agencies. I demand the following accounts be accurate and verified or removed immediately. 
DISCOVER BANK, ACCOUNT NUMBER : XXXX. PERSONAL INFORMATION NAMES : XXXXXXXX XXXX XXXXXXXX AND XXXX XXXX. My one and only name is XXXX XXXX XXXX. Please update my report to reflect that I also read where I can get the updated report after you investigate this from the free lawyer. In accordance with the Fair Credit Reporting act 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 : Also states a consumer reporting agency can not furnish my account without my written instructions.

Attached is the account in question in details.
Product: Money transfer, virtual currency, or money service

through PayPal i was meant to receive a {$150.00} payment. the sender claimed to have sent that amount. instead they said they needed to send XXXX more in order to for me to claim the {$150.00}, but once they did i would need to refund them the {$300.00}. i did so, after they said i needed to send it in two payments of XXXX which i did. but then they claimed to have {$500.00} more taken from them. i then realized it was a scam.
Product: Mortgage

We purchased a new modular home XX/XX/2007, with XXXX XXXX XXXX in XXXX XXXX, TX we closed at XXXX XXXX XXXX with XXXX XXXX in XXXX, TX. Closed on a Modular Home I have all documentation. The manufacturer is XXXX in XXXX, TX contact XXXX XXXX, invoice from them shows Modular Home, I called them and he confirmed we have a manufactured home with the serial numbers. We got a loan with XXXX XXXXXXXX XXXX XXXXXXXX for XXXX they transferred our loan to XXXX XXXX XXXX which they transferred it to Carrington Mortgage. Which its been 11 years we have been making notes on our house, yes we just found this out when we received a tax bill for a manufactured house, needless to say our house we have been living in is in someone elses name in a completely different county. A Modular Home is constructed like a home you would build on your land so yes a Modular is  more expensive, we put XXXX down XX/XX/2007 a manufactured home is way less, inspite of this fraud we also have been carrying homeowners insurance on a Modular House for 11 years. My husband is XXXX and all this maintaining and money we have to put into this manufactured home is making is XXXX XXXX worse, let alone we are on a fixed income. I just want help from all parties because this is fraudulent. I have all and any documentation if needed. Thank you for your time.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX XXXX  XXXX # XXXX. I opted out from this company XX/XX/XXXX. They are violating my federally protected consumer rights. The Privacy Act of XXXX, 16 CFR 433.2- Preservation of consumers ' claims and defenses, unfair, or deceptive acts or practices ; 16CFR 433.3-Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 16 CFR 433.2 ( A ) ; 15 USC 1681-Permissable purpose, 15 USC 6802-Obligations with respect to disclosures of personal information, 15 USC 6805-enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Applied for credit with XXXX XXXX XXXX Credit Card XX/XX/2019. They approved the card but moved the status to pending. So I was told that I needed to call Experian because I had a fraud alert placed on the account. I had this alert placed on the account to protect my account because Experian had been hacked and my account had been compromised. So I was given the contact number by the XXXX XXXX account rep to contact Experian at XXXX first off its very challenging getting a live representative on the line it took 5 phone calls and navigating through a endless stream of menus. Finally I got in touch with a rep and explained that I had applied for credit and needed to update my fraud alert because it did not have my phone number. When I initially set up the fraud alert on my account my main contact number was requested as part of signing up. So Experian was remiss. So she proceeded to ask 3 questions to authenticate the account I answered the 3 questions. The rep then explained that I had answered the questions wrong. My response was that I had answered the questions correctly and the problem was not that I had answered the questions incorrectly but the third party did not have the right information or marked a question that was accurately answered as wrong. I think the question in reference to my tag number they had was correctly answered but the third parties database marked it as being wrong and I said it correctly. So then I asked when could I called back to try again she replied that she could not give me that information but she would notate the Experian database so other reps would not allow me to add my phone number and that I could not call again. I would like for my report contact information on my Experian credit report to reflect accurate information according to the Fair Credit Reporting Act. It does not have my correct contact number XXXX posted on the fraud alert as it should. Why do they make it so difficult to do such a simple task as add a phone number.
Product: Credit card

I am making efforts to pay down my credit card by paying more than the minimum balance. For the last few months I have been monitoring my bills. There is a one month delay between paying down the highest balance ( cash advance ) and it appearing on the bill. When I receive the bill, I am being charged interest on the balance that is shown -- before the pay down -- and not the actual balance. I have made several calls and have confirmed that the money payed beyond the minimum charge is going to this higher balance. However, when I ask about why I am being charged interest on the amount before it was payed down, I get no clear answer and no one will confirm that the interest charged in on the new, lower balance.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Vehicle loan or lease

More or Less I need my title from Kia Finance and Ive been trying to get it from them for 9 months now, and they still have yet to produce it, leading to me not being able to register it in my new state and drive it at all. Started the process in XXXX of XXXX  and supposedly my title is just sitting at the XXXX in XXXX. But KIA Finance has been just sitting on nothing waiting for it to arrive and have made no effort to retrieve it and send it to my DMV in XXXX  so that i can drive my car.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PayPal account to these fraudulent investment company.
Product: Debt collection

On   XXXX   XXXX   XXXX     I picked up mail from  XXXX   XXXX   Post Office whic h they were holding for no apparent reason. I found  XXXX  notice to collect {$450.00} from me. I called asking what this was about and all they would say that it was a outstanding bill from Kohl 's for {$160.00} .i asked for information and they only said it was turned over them the beginning of  XXXX . I stated that I never received any bill from Kohl 's. I called Kohl 's and all they told me is that the account was closed.
Product: Prepaid card

I have a prepaid debit card with rush card on XXXX XXXX there was supposed to be doing some kind of update to their system and it was only supposed to last a couple of hours here it is 13 days later I 've had XXXX pay checks deposited into this account and I can not access any of my money you call rush card to try to find out what 's going on your on hold for XXXX to XXXX hours once you finally get someone they tell you they ca n't help you because their system is down but most of the time you 're put on hold for XXXX to XXXX hours to pick up and then hang up on you I have changed my direct deposit so no more of my checks will be going into this account but I would like to have access to the money that is on the card now but I called on XXXX XXXX and that was my last straw the customer service rep told me that I should change my direct deposit which I kindly inform her that I already did that I just wanted to know when will I have access to the money that 's on the card right now she told me that it could be weeks before I will have access to that money this situation has caused me and my family unneeded stress in my life my landlord is threatening to evict me before the situation happened I was a little behind with my rent I made an agreement with my landlord I would pay him {$300.00} a week until I was caught up and he would n't evict me and I was doing that until this situation happened now I have missed XXXX payments and my landlord is threatening to evict me I 'm scared that by the time this whole situation is fixed me and my family will be in the streets every customer service rep for Rush card that I have spoken to I have explained the situation to them and they do n't care why they keep saying is they sorry they sorry me sorry I do n't want to hear sorry anymore I want my money how could this be legal that they can hold your money like this and a Rush Card representatives are telling people that the cards are working and that 's a lie my card has n't worked for over 13 days and counting at this point I feel no one at Rush Card cares about me and my family I have XXXX kids that depend on me where we supposed to go if my landlord evict us I hope you can help
Product: Bank account or service

I took out a {$100000.00} boat loan from US Bank XX/XX/XXXX. I have been making weekly payments on this loan of {$1000.00}. I believe the bank is miscalculating the interest that I owe and their deduction of interest. The interest rate on the loan is 4.12 %. 
XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest In XX/XX/XXXX I paid XXXX in interest I have never missed a WEEKLY payment of {$1000.00}, although it takes US Bank up to 2 1/2 weeks to post my payment ( then they back date it ). 

As you can see, my interest payments went up XX/XX/XXXX, XX/XX/XXXX, then down in XX/XX/XXXX, but XX/XX/XXXX 's interest payment was still more than XX/XX/XXXX and XX/XX/XXXX As my principal goes down, so should the amount of interest I am paying. Further, on my checks it clearly says PRINCIPAL payment but they are still taking out interest ( which I would n't care, but they are doing something wrong because my interest payments should n't be going UP ... ) I called US Bank and got the run around. No one could explain to me why my interest payments are going up in certain months and why my most recent interest charge is more than what I paid XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning Error was detected on my credit report and filed an investigation into the matter utilizing Experians online dispute portal Experian Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant. 
Despite no response from the company, Experian verified the information Experian has a duty to validate information, not pass the burden to the consumer This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to others and previous civil ligation, I have received zero correspondents from the original creditor. Company directly submitted information to credit bureaus without notification or validation and Experian continues to furnish and sell incorrect information which has caused negative impacts
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute was started as the credit report contained items that exceeded the time they could be legally reported. The accounts were both from XXXX XXXX XXXX, XXXX and XXXX. Two other credit agencies confirmed and deleted the accounts ; however, Experian still maintains as accurate as reported. Similar to other issues with Experian in the past, how can Experian verify information when the other two major reporting companies confirmed and deleted the information?
Product: Credit reporting, credit repair services, or other personal consumer reports

Two days a go I received in t he U.S. ma il my " Experian '' credit report dated "  XXXX   XXXX    XXXX  . On " Pa ge 31 of 36 '' under th e section entitled " Record of Requests for Your Credit History, '' it notes that "   XXXX   XXXX   '' unlawfully accessed my " Experian '' credit report on "  XXXX   XXXX ,   XXXX  . '' This is NOT mine. I am a Victim of Identity Theft.