23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My car was repossessed by XXXX XXXX  Wednesday, XX/XX/XXXX, due to me being three months behind on payments. I have been sick and dealing with paying bills at the same time. I have asked this company to give me a chance to catch up, with no success. This company for the last year has been harassing me for payments, so I had a cease and desist request put on my account, but I was never informed that my car would be repossessed. XXXX  XXXX  never gave me a chance to retrieve my personal belongings and now l has to come up with {$1500.00} by XX/XX/XXXX to get my car back. I've been met with rude, condescending representatives at all levels trying to resolve this issue. 
The last correspondence I got from XXXX  XXXX  was XX/XX/2018. 
I don't appreciate being treated like a criminal. I've tried my best to keep up with the payments, but this company refuses to work with me. I'm going to file a complaint with the Illinois Attorney General 's office.
Product: Debt collection

I recently discovered that PRA is reporting inaccurate information on my XXXX report, which is negatively affecting my credit. According to my XXXX report PRA is reporting the collection account as the original creditor XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as an open account with a past due balance as the payment status. I never opened an account with PRA.  The terms of the account is listed as one month although I have not entered into any terms with PRA regarding either account. PRA list the accounts with a credit limit/Original amount as if they are a creditor that extended credit to me. In addition, PRA list payment and balance history for both accounts monthly, which debt collectors are not allowed to do. PRA updates the " Date Reported '' date monthly, and with a Payment Status of " Collection Account '', and with no " Date Closed '' Date. I believe these are all violations of credit reporting of a collection account. 

I have also, on numerous occasions, provided proof that I did not receive any kind of notification of the debt, which CFPB and PRA continue to ignore. I have provided a copy of my DL that states my address at the time PRA said they sent a dunning notice. 

The choices given by CFPB for issues with a company are so limited and narrow and I am forced to make a selection that may not adequately identify my issue with PRA.
Product: Credit card

Ensuring punctuality in payment has been a constant practice on this account, with no instances of overdue payments. Yet, I am perplexed by the presence of late payment remarks in my account records. Referring to XXXX XXXX XXXX - Billing Error, I expect appropriate rectifications.
Product: Debt collection

BANK OF AMERICA Account charged off. {$670.00} written off. {$570.00}. 

Delete, from my credit profile, the account its product for identity theft, I never live in the United States of America, just the last year to now, so it's impossible this account going to be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting the incorrect balance to XXXX XXXX XXXX showing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.
Product: Vehicle loan or lease

On XX/XX/XXXX I co-leased a XXXX XXXX  XXXX at XXXX XXXX, today XXXX XXXX  in XXXX XXXX, CA, without any problem or late payment for more than two years. Unfortunately, on XX/XX/XXXX this car had an accident and was totaled. The insurance made all the arraignments and paid Kia   Finance a total of {$15000.00} on XX/XX/XXXX supposedly for the full payment of the car and covering all the expenses owed. Until XX/XX/XXXX we received an email from my credit card company saying that there was a change on our credit report and to our surprise there was still a balance on the XXXX   Finance account of {$280.00} dlls money owed for a car that was no longer in his possession since XX/XX/XXXX and that XXXX XXXX assured that the account was cleared. XXXX XXXX paid what was requested from KIA FINANCE but it seems that a balance was left unpaid and we never receive any letter requested by mail, email or call. To end this situation, we paid the balance of {$280.00} on XX/XX/XXXX but the damage to his credit was already done. 
We made calls and sent letters to Kia Finance clear this out, that I was never late in any payment but the company denied to fix it, and we are still disputing this issue with the credit companies and even hired a third party company to fix it.
Product: Credit reporting or other personal consumer reports

Experian has failed to send me proof/verification of the accounts that they are reporting to the credit agencies on my behalf. I have attempted to gain this info from Experian and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX FOR THE AMOUNT OF {$1600.00} 2. XXXXXXXX XXXX  FOR THE AMOUNT OF {$470.00} 3. XXXX FOR THE AMOUNT OF {$520.00} 4. XXXX XXXX FOR THE AMOUNT OF {$100.00}
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. During the purchase and financing process, I was told that the financing approval was dependent on the purchase of the vehicle warranty to protect the collateral and spare me any costs of repairs. However, once I agreed to purchase the warranty, I never received any information on obtaining service or scheduling repairs. I contacted the dealership and was told I would receive the warranty agreement and loan statement within 30-45 days. 30 days later, I never received any information regarding the warranty or a loan statement to remit payment. I contacted the dealership to verify who financed the vehicle, and I spoke with the sales manager and was told that my financing was provided by PenFed Credit Union and to contact them regarding payment and warranty information. I searched PenFed Credit Union online and found a customer service number, I spoke with a representative and I was told my first loan payment was late. My payments have been 30 days late ever since that conversation. I called and requested assistance or a payment arrangement, and my requests have fallen on deaf ears. I have been assessed {$1400.00} in late fees, a {$200.00} repo fee ( This vehicle has never been repossessed ), and {$120.00} in ACH return fees totaling {$1800.00}. PenFed Credit Union has also reported this loan late multiple times to credit reporting agencies, causing substantial damage to my credit score. As of today, I have paid this loan current. I also have another loan with Pen Fed Credit Union that has never been paid. I am requesting relief and my credit history to be restored.
Product: Checking or savings account

On XX/XX/XXXX, I applied to open a Valley National Bank account offering {$400.00} if I complete direct deposit requirements totaling {$7500.00}. After partially completing the application process, I received an email from Valley National Bank encouraging me to finish the application process. On this same day, Valley National Bank pulled my XXXX XXXX report to review my information. 

On XX/XX/XXXX, I completed the application process and received an email notifying me that my account my open on XX/XX/XXXX. 

Since account opening on XX/XX/XXXX to XX/XX/XXXX, I had my employer make direct deposits totaling over {$7500.00} during this period. Doing so to fulfill opening bonus requirements in support of the {$400.00} bonus. 

After fulfilling the direct deposit requirements for the bonus, Valley National Bank performed another XXXX XXXX report pull on XX/XX/XXXX, despite having a report 43 days old. Subsequently, they notified me on the same day that they are closing my bank account. When I asked XXXX XXXX, the Virtual Bank Assistant, about the recourse or status of the opening account bonus, she deflected the question and stated that my account will be closed.
Product: Credit card or prepaid card

I hold the Chase Sapphire Preferred card, which advertises travel delay insurance XXXX XXXX XXXX XXXXchaseXXXXchase-sapphire-XXXX. 

In XXXX, I had a flight delayed due to weather, necessitating an overnight stay, which fulfills the criteria for travel delay insurance. 

Applying for this insurance claim has been a nightmare. Chase outsources this work to a 3rd party company called eclaimsline. The 100+ negative reviews of this company found here ( XXXX XXXX XXXX  ) pretty closely match my experience, which I will try to sum up here : 1. I filed the claim in early XXXX, less than a week after my travel delay incident. 

2. Despite the " 5 business day '' response window advertised by the eclaimsline site, I did not receive any response on my claim by XX/XX/XXXX, so I gave the site a call. Each time I called this organization I have been put on hold for at least 45 minutes before getting through. After I got through, I was told some documents were missing ( a letter from the airline detailing why the flight was delayed, and proof that I bought the flight using my cards OR points from my card ), so I sent these documents in to corroborate my claim. 

3. On XX/XX/XXXX, I was told by eclaimsline in an email the company had reached out to Chase directly to verify that I had bought the flight using Chase credit card points, and that it could help if I reached out to Chase myself to get documentation proving this. I called Chase, and they sent me the same flight receipt that I had already sent to eclaimsline, which does clearly show the number of Chase points I used to purchase the delayed flight. I sent this receipt to eclaimsline again. 

4. On XX/XX/XXXX, I emailed eclaimsline asking about the status of my claim, and was told that the flight receipt I had sent them was for some reason insufficient, and that they were still waiting for confirmation from Chase. I explained that Chase had explained to me that this flight receipt I had already provided was the proper piece of evidence that eclaimsline needed here. On XX/XX/XXXX, eclaimsline told me in an email that they had approved my claim, and that I should keep an eye out for an email telling me how the payment would be processed. 

5. Yesterday, on XX/XX/XXXX, after receiving no word from eclaimsline about payment processing, I called their service line. A customer service representative informed me that my claim had been " un-approved '', as the company still needed evidence from Chase that I had bought the flight ( which I have already provided ). No one informed me of this change - I was still under the impression that my claim was approved up to this date. To me, the behavior of approving and then quietly un-approving this claim is clearly fraudulent, and I have no further recourse but to report my experience to the proper authorities. 

Please let me know if I can provide more detail here.
Product: Debt collection

I have contacted XXXX about this medical debt several times. I have told them that the debt was written off by XXXX XXXX hospital because Im a XXXX XXXX XXXX. I have secured a part time job and I need to pay to have this debt deleted. I can pay 40 % of {$490.00}, which is {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to XXXX about 14 different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me.
Below are the following listings : XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXBank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXFinance ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is not a DUPLICATE! This is related to case # XXXX. From experian XXXX screen shots will be included on here. There was no reason for my credit score change, I made no changes. My credit card balances are the same, no additional changes were made on my credit report. And in addition no additional inquiry was made from myself or authorized for anyone to do a HARD INQUIRY, on my personal credit report from experian. I am requesting my 3 credit score points be added back to my score. ON XX/XX/XXXX my score was XXXX and on XX/XX/XXXX and XXXX 2023 it went down to XXXX. There were no changes on my end and experian had no explanation for this. The 2 pictures I submitted shows this change. And that an INQUIRY caused this, although at this time MY CREDIT ACCOUNT WITH EXPERIAN IS AND WAS LOCKED AND FROZEN, which means there is no authorization for an inquiry on my behalf, and EXPERIAN FAILED TO BLOCK IT OR ALERT ME.. All the information I have provided today came from me going on Experian website, THIS ALL CAME OFF EXPERIAN website that I signed in to review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$840.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By ghting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my XXXX XXXX and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Debt collection

I was looking at my credit score and noticed it had a derogatory remark from XX/XX/XXXX  in the amount of {$17000.00} from Rent Recovery Solutions XXXX XXXX XXXX XXXX. I discovered it on XX/XX/XXXX  and notified all 3 credit bureaus that this was identity theft and I did not have any outstanding rents, nor did I take out any type of lease or rent any property. I have owned my own home in XXXX, AL for 8 years and someone has clearly stolen my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute documentation to Experian on these specific days certified mail. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  disputed inaccurate and unverified accounts/unverified late payments on my credit file. Experian has continually stated these accounts are verified without submitting proper documentation on how these account were verified and who verified these accounts and what method did they use. 

According to the Fair Credit Reporting Act section 609 A-1 a EXPERIAN is required by federal law to verify through physical verification of the original signed consumer contract. 

ANY AND ALL ACCOUNTS THAT IS POSTED ON A CREDIT OR OTHERWISE ANYONE PAYING FOR THE REPORTING SERVICE COULD FAX MAIL EMAIL IN A FRAUDULENT ACCOUNT. 

I demanded from Experian to submit me the original signed contract with my original signature. Under the FCRA unverified accounts must be removed, if they are unable to provide me with a copy of proof. 

After calling this company several times I was refused access to specific information on my credit file after verifying that I am the consumer. I have been giving inaccurate information from my credit file between agent to agent to agent. The Agents of this company is not properly trained. The agents was very unhelpful and was not considerate of the consumer and did not put in any effort to help resolve the issue.
Product: Debt collection

A sketchy letter was received on XX/XX/2021 that a debt collection company XXXX demands my mother to pay a debt amount of {$250.00} due to a company she does not own at all. No company name was given and my mom does not have any company. The website given was not secure and a complete scam. There was no clarification about the company my mother owned and their was no real address or phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax disputing a bankruptcy they are reporting on my credit report. On XX/XX/XXXX Equifax sent me a letter stating they confirmed the bankruptcy with XXXX and that it was accurate. 

I have a letter from XXXX dated XX/XX/XXXX that this bankruptcy was deleted from my account. 

Equifax can not verify an account that is not there, so they lied and did not accurately verify this account. Since Equifax has violated the Fair Credit Reporting Act, I want them to immediately remove this inaccurate account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$11000.00} open XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

Hello I tried several times to clear up this debt. I called many times to the credit bureau and I keep getting a runaround, I reached the collection agency and they refused to remove this from my credit report, This should be illegal I am not responsible for this debt. The company sent a letter stating I'm not responsible. 
I have a court order that my ex is responsible for the debt. 

Please see the letter and court order. This collection agency is crook, they have several bad ratings.