23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying 300 dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had received a card previously from chime and went down to load the card at XXXX I put {$440.00} on it I had activated the card previously with the phone number on the back of the card I went shopping at XXXX and went to use the card and it wouldn't work and they informed me that it might be a timeline of when the money was there so the next day when I got up I called and it said my money was there so I paid my phone bill my power bill and my water bill and I had {$180.00} in cash left and it wouldn't let me draw any money off in cash or put gas in my truck they still owed me {$180.00} and I got an email stating they were closing my account and I had to wait for 90 days to get my money back from them I didn't do anything wrong and I don't understand why I can't get gas or get my money back but they won't even talk to me about it now because the accounts closed and when I try to email them it says the email address is wrong
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$830.00} Inquiries : XXXX. XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX C I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts thats inaccurate XXXX XXXX XXXX Opened XXXX {$830.00} XXXX XXXX  XXXX Opened XXXX {$980.00} XXXX XXXX XXXX  Opened XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Transunion had a glitch in their system in which violated the rights of the consumer under the section 6.11. As the result I have been gravely affected and my score is suffered due as the result. No notice was ever given in which is also a violation and I'must requesting that all inquiries be removed
Product: Credit card or prepaid card

On XX/XX/2022 I noticed a charge of {$39.00} from a merchant XXXX 
On XX/XX/2022 I noticed a charge of {$46.00} from a merchant XXXX 
On XX/XX/2022 I noticed a charge of {$39.00} from a merchant XXXX. 
On XX/XX/2022 I noticed a charge of {$39.00} from a merchant XXXX 

I reported Avant credit card company when I noticed that these charges are all fraudulent and I did not authorize those merchants to charge my account. 
The customer service representative took all my information and told me it is a good idea to pay the minimum balance of {$25.00} so my account would be in good standing and once they investigated the claim. It would be credited to my account. Note ... that I would not have a balance if it were not the fraudulent transactions. I agreed and paid the minimum balance. On XX/XX/2022 Avant charged me {$2.00} finance fee on fraudulent transactions. 
On XX/XX/2022 Avant charged me late fee of {$25.00}. And then on XX/XX/2022 the following items credited the finance fee {$2.00}, {$39.00}, {$39.00}, XXXX. Notice that {$46.00} was not reversed. Then on XX/XX/2022 there were 3 security adjustments made for following amount {$39.00}. Then Avant on XX/XX/2022 charge me additional late fee and has reported the late fees to the credit bureaus. ALL THIS STEMMING FROM FRAUDULENT TRANSACTIONS THAT I REPORTED! 
THIS COMPANY DOES NOT HAVE NO BUSINESS ETHICS TO PROTECT CONSUMERS FROM FRAUDULENT TRANSACTIONS. THEY CHARGE FINANCE FEES AND LATE FEES THAT ARE UNDER INVESTIGATION.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting to all three credit bureaus that I owe a balance.. but the car has been paid off. This is a violation of the FCRA federal law to report incorrect information to the credit bureaus. I am demanding that XXXX XXXX update the information to reflect a XXXX balance. The car was paid off as of XX/XX/XXXX The account information to the credit bureaus was updated on XX/XX/XXXX reflecting that I owe {$14000.00} which isnt correct the pay off amount for the car was {$13000.00} which was paid in full to XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card Bank of the west ( BMO Harris Bank ) credit card opened on XX/XX/year> have resulted in fraudulent hard inquiry and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws it deleted and then reappeared on my credit report.
Product: Vehicle loan or lease

Chase Auto appears that they process principle payments beyond the payment due, but the system won't allow for it. I have made multiple attempts to make more than the minimum payment and the system won't allow it. I have submitted a principle payment over the phone and they rescinded it 10 days later. 

Chase Auto is fraudulently collecting interest from it's customers by " allowing '' principle payments but administering a system that defacto does not.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Type : Chapter XXXX Bankruptcy XXXX XXXX XXXX Date XXXX Reference # XXXX Closing XXXX Asset Amount : {$0.00} Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Exempt Amount : {$0.00} *5 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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: Debt collection

Company is calling others regarding a debt. NO notice has been sent. Company is threating to take legal action and stating that I just don't want to pay my bills. Company only verified DOB and did not ask any verification questions or have me verify any information. Company does not appear to be a licensed collection co. When I asked for a fax number to send correspondence the rep told me that she would introduce me to her friend the dial tone. The first guy hung up when I ask him to acknowledge that I was disputing the debt validity.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Vehicle loan or lease

The payments I have made to AUTO FINANCE, USA, via check through my banks billpay service since XX/XX/year>, are not being credited to my loan. 

The only payments that are being credited to the loan are the ones Ive paid through AFUSAs online portal or via speaking directly with their account representatives on the telephone, which are both subject to extra fees. I have made several payments using these methods as well as also making payments via checks, which is an option that AFUSA includes on my sales contract. 

I have repeatedly attempted to correct the problem with multiple agents at AFUSA, via telephone, texts, and emails, but the issue is not resolved, and they are accusing me of not making the payments I have made, and they have refused to provide a history of the accounting on my account, and they have incessantly threatened and harassed me, accusing me of defaulting on the loan, ignoring my requests for clarifications, refusing to acknowledge the proof I have sent and offered to provide from my bank, which proves that the checks have been accepted and deposited by AFUSA. They have blocked me from being able to pay through their online portal, and, they have refused to accept payments over the phone after I realized they are cashing or depositing my check payments but not putting the payments towards my loan. 
I spoke to another representative last week, and she refused to do anything but laugh at me and make false accusations, treat me with zero courtesy, and she refused to correct the accounting although she admitted to being aware of the check payments. 
Then, on Saturday, while I was an hour and a half from my home, the car was repossessed, and there was no way to contact anyone at AFUSA, as they are not available to answer the phones on the weekend. Today, Monday, I have made several attempts to call and Ive sent several emails, asking for information, and help, and Ive again provided documentation to show the amounts Ive paid. 
Because of the contradictory and harassing manner that AFUSA communicates, and because they will not clarify or provide simple answers, they have made it difficult, or impossible, to know what I owe, when I owe it, or what I can or could do to remedy the problem. 

I have sent payments for much larger amounts than the required payment amount. 

Now, I cant go to work. I am stranded in the country, far from town, with no family or alternate options for transportation. 

I can not get any answers or information from AFUSA, and when I try, all I get is abuse and harassment.
Product: Credit reporting or other personal consumer reports

I reached out to KIKOFF to remove late payments remarks on my credit and they told me they couldnt do so even with some wrong information included on my report. 

KIKOFF reports that I have 5 missed payments which means Ive made XXXX percent of my payments on time. XXXX reports that Ive made XXXX percent of on time payments which is inaccurate. Also I opened this KIKOFF account in XX/XX/year> and there is no data for XXXX which makes no sense. Im missing payment information.
Product: Credit reporting or other personal consumer reports

Today at XXXX XXXX, we contacted XXXX. We've been waiting for over XXXX  months. To be able to see our score online so that we may be able to also look at any discrepancies on. Are credit file XXXX  facts will not despite us uploading a lease to them, allow us to see our scores. We were told by the first person of a month ago that we would be able to see our score the following day. When the following day came, we were not able to see our scores. And we did a week to call in again. Since folk XXXX, another representative who told us that we needed to upload proof of registered sea, so we sent over our lease. Weeks later, we continue to have the issue and contacted someone on today. 
They relayed the information and the address. XXXX facts and XXXX will would not unlock our files, so they we could see it.
Product: Debt collection

I submitted a prior complaint with NATIONAL CREDIT ADJUST inaccurately on my report. I request proof of a signed agreement or any other documentation to validate the information being reported was indeed mine. Attached is a copy of a said signature which is clearly not mine.. that appears to say XXXX or something of that sort. Along with consumer name being XXXX XXXX which is as well not me. This will be my finally warning that if it can not be validated properly, in addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint. If I need to contact an attorney for further legal actions I will do so if not removed from my report
Product: Checking or savings account

From XX/XX/XXXX through the beginning of XXXX, Wells Fargo charged over {$2000.00} in overdraft fees on an account that they eventually closed for " insufficient funds. '' My thought process is if they hadn't charged over {$2000.00} in overdraft fees, the account would not have needed to be closed for " insufficient funds. '' In fact, some of the {$35.00} charges were for amounts less than {$35.00}, which means that if overdraft charges had not been charged so needlessly and frequently, the account could have been in good standing from XXXX or XXXX onward.
Product: Mortgage

PHH sent me a loan Modification package, completed it. Made payments on time during the trial period. Started to make regular payments. PHH sent a final doc to sign along with the terms of agreement. Interest rate was good. They gave no details on the numbers they provided. A balloon payment of XXXX was provided. No information on how they came up with those numbers. 
I requested a breakdown of these numbers, and the person I was speaking to said they would request the info. for me. In the meantime, they give me a extension on my signing the final Modification package. After a 3 to 4 weeks I called in again. Person said they saw the request and gave me another extension. Weeks go by and I call again ( third time ) this time she said that the info in being mailed out to me. She informed me to go ahead and sign the package and if I had any disputes with PHH I can do so without worrying about accepting the Modification package and not being able to dispute anything. So, I signed and sent it off. No one offered me this idea to me in the previous calls. I did get the info. I got a letter a week or so later informing me I am no longer eligible for the loan modification. " You failed to return the final modification agreement within the required time frame. '' The three calls I made into PHH are all there. Everyone can see the notes. But the people who sign off on this does not care. The notes are not in dispute. 
Second problem. I made a partial payment on XXXX of XXXX and it was returned to me on XXXX because I was now required to make a minimum payment of XXXX. 
On XXXX I made a payment of XXXX and on XXXX they returned it back to me. Rules keeping changing. Now I am required to make a full payment or nothing. I could not afford to make a full payment. I could have been making the regular payments but no. 
PHH add over XXXX in late fees and different kinds of penalties, legal fees over that same time period. The same time period they refused to allow me to make any type of payments. 
On the one hand they refused any type of payment from me and on the other hand they charged me penalties for not making payments. My penalties would have been a lot less had they allowed me to make payments. 
All the notes I referred to are in their system. I do not have access to them. 
Very frustrated at the moment. 
They say they are sending me a new package to file all over again. 
Any help would be greatly apricated. 
Thanks XXXX XXXX
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. XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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.