23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I voluntary surrendered the vehicle in XX/XX/XXXX. At that time I requested a copy of my entire file with the company including the amount that the vehicle was sold for. I was told by the manager XXXX that I could not have any documentation relating to the vehicle. I called the office again and this time spoke to XXXX who managed the payments at the front office and was told that I would have to speak to a manager who should be able to get me the information. I was informed again that I could not have any paperwork including the resale price. I no longer had any contact with the company. As I am repairing my credit I reached back out to the company XX/XX/XXXX and this time I believe that I spoke to XXXX who informed me that he could not produce any paperwork since the account was so old and his exact words to me were " dispute this item on your credit report. '' I disputed this item XX/XX/XXXX and in XX/XX/XXXX after no activity since XX/XX/XXXX they have misrepresented on my credit report. 1st error - it is stating repossession and it should have stated voluntary surrender. 2nd error - they have stated that a payment of {$240.00} was made - I have not made any payments on this account. 3rd error - they stated that the vehicle was refinanced/renewed which is simply not true. This bank/creditor is known for their deceptive practices. Please investigate and remove from my credit as they are not providing correct or accurate information. Thank you kindly
Product: Consumer Loan

Simply, I returned a leased Kia to the Kia dealer at lease end and per the lease agreement, I purchased another Kia with the written, express, and implied statements that the {$410.00} disposition fee will be waived and the new Kia will be financed through KMF. The lease and recent correspondence from Kia ( KMF ) states that you have to PURCHASE or LEASE another Kia to waive the disposition fee-which I did. KMF and the dealer scammed me-denied me credit with a XXXX credit score and is now lying to XXXX claiming I have to lease another car only to get the fee waived. KMF is now billing me for {$410.00} for the disposition fee that I do not owe them. They refuse to finance me and will not waive the fee-this is fraud, scam, and violates my rights as a consumer. I do not owe the {$410.00} disposition and KMF does not have legal authority to demand me to pay it.
Product: Student loan

Interest Rate for Federal Student Loan Consolidation is too high! Based on how much I 've borrowed to pay for US. standard college costs and how much it has accumulated in the past years, it is unrealistic for any American citizen to pay their student loan balance within a reasonable given time frame. Based on an income-driven payment plan with regard to interest rate, my total balance for my Federal Student Loan Consolidation is almost doubled. Now imagine millions of Americans facing the same issue.
Product: Credit card

I was charged a {$41.00} late payment fee on XXXX when I paid my account off on XX/XX/26.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Also known as 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 a account without my written instructions. 

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 



15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times. 



According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a Discover XXXX XXXX on approximately XX/XX/2023. I proceeded to fill out their on-line application. It presented the term length and interest rates that were available to me based on my initial application and I am assuming the soft check of my credit, and made my choice. After that, I received an email response indicating that they were interested as well and to continue with my application process. I continued the application process at which time Discover proceeded to request that I send in pictures of my social security card, front and back of my drivers license, provide them 3 months of statements of a primary bank account ( which I took as the one where they would see paycheck deposits and mortgage payments ) and to also provide them the account number and routing number of where they would be depositing the loan funds. I proceeded to provide all that information. They did a hard credit check with XXXX where my XXXX XXXX was XXXX and also did a pull from XXXX. My bank cash balances exceed the loan amount by XXXX, my debt-to-income ratio is less than XXXX percent ( 0.12 % ), my other assets exceeded the loan amount by over XXXX and I have minimal debt. They said that everything checked out but that they were denying the loan request due to not being able to validate the phone number I put on the application ( A cell phone number that has been assigned to me for over 20 years ). This initial rejection took place on XX/XX/XXXX. I proceeded to verify there were no blocks on caller id presented to them when I called in and verified that both credit reporting agencies had my cell number registered, as did the bank on the statements that they requested. At no time did Discover try and call me directly, but they had no issues validating me for security reasons each time I called in to them. Even after verifying with them that the phone number I provided was listed with the credit agencies they used and matched the number from which I was calling, they still refused to provide the loan. This final resolution by them took place on XX/XX/XXXX. The fact that they requested account and routing numbers prior to approving the loan is questionable in my opinion as they would not need that info unless they were planning on approving the loan. Also, collecting an image of driver 's license rather than just my driver 's license info seems to serve no other purpose other than collecting an image of my face, including gender and XXXX XXXX. The fact that they denied the loan only based on not validating a phone number that was valid and on the credit reports they pulled borders on an untruth. At the minimum, the process seems to be no more than an exercise for Discover to collect personal information from me and at worst case, is showing unfair lending practices possibly based on gender, XXXX XXXX and/or income and debt levels that don't play into the types of customers that are more likely to make late payments and allow them to charge more.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX
Product: Mortgage

I have a mortgage through Guidance residential. 
Suddenly I started seeing extra ( {$18.00} ) on my monthly bills named as LLC fees. 
This was not disclosed on the closing and extra after all other payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any.

2. FCRA requires notification prior to submitting any negative information. I have not received any such.

Remove the following : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below, which have appeared on my credit report due to identity theft. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed promptly from my credit file. 
Fraudulent Accounts : XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Amount : {$850.00} XXXXXXXX XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$400.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Amount : {$850.00} XXXX. U S DEPT OF EDXXXX - XXXX Accounts Listed Below : o Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$3900.00} o Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$2100.00} o Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$930.00} o Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$4900.00} o Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$2100.00} o Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$2000.00} o Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$3800.00} o Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$6900.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I called Mohela to get my payments reduced after failing to reach them for months by the time I got a statement from them my bill was already due causing late payments and increased interest. When ask if I could lower my payments. They said they could put the loan in forbearance and I wouldn't be eligible for student loan forgiveness
Product: Credit reporting or other personal consumer reports

I am a victim of identity thief, i inform the loan company and they requested that i should send them some more information including police report which i did send to them, it is over 2 months and they keep telling me they are still doing investigation,
Product: Credit reporting or other personal consumer reports

My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and XXXX
Product: Mortgage

XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX On or about XXXX hrs. XX/XX/2020 my wife and I contacted GUILD MORTGAGE COMPANY in order to inquire and apply for a VA refinancing of a Conventional home loan. Specifically, we endeavored to transfer our Conventional mortgage product to a VA refinanced mortgage, as I am a service connected XXXX XXXX veteran and endeavored to use my VA Loan Guaranty product ( s ) Subsequently, we were connected with : XXXX XXXX XXXX Officer | NMLS # : XXXX GUILD MORTGAGE COMPANY LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX M : XXXX | F : XXXX XXXX XXXX We articulated, to the aforementioned, the product we wanted to pursue. We were told this was a product offered by Guild Mortgage Company. We were instructed to provide all information via the Guild Mortgage website application, as well as, to provide prior two ( 2 ) years W2 's. LO indicated there would be a HARD PULL upon our credit report ( s ).

We completed the application process and emailed ALL requested documentation. On or about 1800 hrs. LO called and articulated all was well and that, but for the reduction in interest rates as the result of the national election, we would have to revisit the locking in of a lower interest rate on the following day. The next day, today, about 1400 hrs. LO contacted me and stated, " unfortunately, we would not be moving forward because her company does NOT offer a Conventional to VA refinancing product and that she was not aware of this and did not find out until moments before contacting myself. Furthermore, LO articulated she would be emailing a quote for a loan product but NOT what my wife and I requested ''. I told LO, " I did not appreciate her wasting our time, especially, negligently placing a Hard Inquiry upon our credit report and damaging our credit scores, when Guild Mortgage Company does not even offer the product we need and that I was extremely unhappy! '' LO stated, " Sorry, I suggest you shop different mortgage companies in order to locate the product you want, like I said, I will email you the product offering I previously mentioned, goodbye and have a nice day! '' This is unacceptable and deleterious, false, deceptive, misleading, negligent, tortious, damaging and bad-faith business dealings by Guild Mortgage Company and their Loan Officer, as well as, a violation of the Texas Deceptive Trade Practices Act ( DTPA ) laundry list. 

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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 ALLY FINANCIAL CARD add a hard inquiries on my credit report per XX/XX/XXXX. 
But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : LENDING CLUB CORP - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT
ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit card or prepaid card

My credit account had been closed in XX/XX/XXXX, but I did not realize this until XX/XX/XXXX when the account appeared as closed on review of my credit report. I was deceived into believing the account was in a status of repair in XXXX of XXXX, when I agreed to terms for an account reset through my Chase Freedom App. I was given two options : close the account and accept a greatly reduced interest rate, or make 3 installment payments of {$170.00} to renew standing. I believed that I could pay all that I could toward this account and be able to help vs. hurt my credit. I paid {$300.00} in XX/XX/XXXX, {$300.00} in XX/XX/XXXX, then {$1700.00} XX/XX/XXXX. After this payment, I checked my report and saw the closed account status posted for XX/XX/XXXX. I contacted Chase, who verified that there was an account reset but stated it was null as the account was closed in XX/XX/XXXX. Not only was this deceptive in misleading me in regards to my account status, it allowed me to accrue additional interest at 22.99 % vs.opting for a reduced interest rate on a closed account. I had requested reduced fees due to interest as a result of being offered terms that were unfounded within their own policy, and was denied.I requested account re-opening as I had accepted and met the terms of the app agreement, and was denied. As the representative I was talking to had visibility to the account reset and terms, I asked for documentation to be provided to me and was denied. No record of terms appeared on my statement or within my documents and notifications. Clearly if they knew my account was in closed status, they had the ability to not offer false terms through my Chase application.
Product: Credit reporting

I had a lien for my state taxes, which I paid in full last XX/XX/2014. I took out a loan so I could pay it, and have also repaid the loan. This was all done through my bank XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, MA. XXXX phone XXXX. p. XXXX, XXXX. I have tried to get this resolved by sending documents to Experian Credit Reports, to no availe. It is still reporting that I hav n't paid the XXXX. Which in turn is affecting my credit. sombody needs to do something, as I just ca n't seem to get my name and credit cleared, and I 'm tired of trying. Could someone Please help me out. Thank-You.
Product: Credit reporting or other personal consumer reports

I purchased a truck from XXXX of XXXX XX/XX/XXXX. I had 90 day grace. The motor and transmission were not in working order. The truck wasnt repaired and was returned to company and sold at auction. XXXX worked with Santander and I got another vehicle. About a year later XXXX, this began to show up as a charge off, I would dispute, send documents and they would take it off then add it back. XXXX sent them the contract and documents and they would fix it, then add it with different information. In XXXX of this year, it reported I just charged it off in XXXX of XXXX! I contacted credit bureaus as it has been over XXXX yrs. Santander changed dates again and NOW it shows XXXX. I need this debt off my credit reports. They shouldnt be allowed to continue to change dates and keep adding additional years to my report. I havent had this truck since XXXX of XXXX. Please help.
Product: Student loan

Hi All, I am writing this so that it is on record that I XXXX XXXX have attempted to explain previous to both XXXX  and XXXX XXXX XXXX that paying my loans would place me in hardship. 


I have in total federal and private XXXX worth of student loan debt and have yet to reach graduation in school due to the XXXX - XXXX school year of XXXX XXXX now XXXX retrieving my loan in my XXXX year from XXXX univesity. This matter has since caused me XXXX to which I have taking medication on as well as affected me from paying back my XXXX bills due to my diagnose of XXXX. I have several XXXX bills unpaid for an my condition can be XXXX or XXXX at any point in my life which is on record. According to my doctor i have had XXXX my entire life it just recently has taken over my body causing me to be hospitalized from XX/XX/XXXXup until on off XX/XX/XXXX and on bed rest. I just went back to work in XX/XX/XXXX which is on record since I was on XX/XX/XXXX. In starting my new job I also have no health insurance currently and am not sure I remain seeing as though my health has not been 100 percent an the affect of paying back these loans are causing server XXXX. 

The loan companies have used tactics such as threats, calling my family ( XXXX XXXX  XXXX did this ), telling me I have no options, and depleting my credit score. 

I would like for the CFPB to step in with ways on how to assist a consumer who has both private and federal. I am writing this so that if in the case I end up back in the hospital or in court that it is on record that I have searched every day for options and have atleast spoken to both companies once for a clear and reasonable understanding and they have failed. One is taking me to court and the other I am paying .. I also have loans with XXXX which come back into affect within XX/XX/XXXX.