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

On  XX/XX/XXXX , I purchased a new vehicle from  XXXX   XXXX   XXXX  in  XXXX , Oklahoma. I had secured financing through my own bank for the transaction. I told the dealership that my bank had ran my credit for my approval and they should NOT run my credit. They said, no problem.  <P/> On  XX/XX/XXXX , I was contacted by the dealer requesting I complete a credit authorization form. The dealer stated my credit union required the form to be signed in order to complete the file. The dealer then sent the form to me on  XX/XX/XXXX  for my signature. Once again stating that the form had to be signed in order to fund my loan through my bank. I have a voicemail and emails to confirm this.  <P/> I noticed the evening of  XX/XX/XXXX , a credit pull showed up on my credit report from CredCo. I called CredCo to confirm that in fact the dealer had pulled my credit report.  <P/> Based on my research : Under the Fair Credit Reporting Act, a car dealer may pull your credit -- if you consent by filling out and signing a loan application. However, when paying with cash or prearranged financing, a dealer has no right to coerce you to agree to a credit check by invoking t he USA Patriot Act, the  XX/XX/XXXX  federal  anti-terrorism law.
Product: Student loan

My problem is with Mohela. My PSLF application has been in limbo since XX/XX/2022 ( and they keep saying 90 days processing ). The problem is that now my application says it was 'Cancelled for Duplication. ' I called and while they are nice, their explanation really did not make sense. They say not to worry about what the website says ( um, how can we not worry? ) and that the fault lies with the XXXX. XXXX  XXXX for not sending them anything. This is demonstrably NOT true. XXXX says talk to Mohela. XXXX says talk to Mohela. The other agencies say everything is with Mohela. This is incredibly stressful. I've been working in a public XXXX XXXX for XXXX  years. Furthermore, people who applied months after me are getting forgiveness, whereas I can't even see a payment tracker. I don't know what to do anymore. Thanks for your time.
Product: Debt or credit management

Many dates XXXX Amounts : {$130.00}, {$130.00}, {$19.00}, {$130.00}, {$41.00}, {$19.00}, {$130.00}, {$41.00}, XXXX, {$41.00}, {$78.00}, {$41.00} Lexington Law XXXX is continuously harassing me and taking money from me with services they didn't supply or have offered.

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation.
Product: Debt collection

On XXXX XXXX, 2017 I contacted Central Financial Control to inquire how to resolve a medical debt they were collecting for XXXX XXXX Hospital in the original amount of {$1200.00}. <P/>I spoke with XXXX and requested a settlement of $ 60 % of the balance to close and clear the account with their company. XXXX accepted the payment of {$880.00} and indicated they would update my credit report to reflect " Settled Paid less than full '' and close the account. <P/>I recently received an updated copy of my credit report and noticed Central Financial Control had changed the status of the account to Settled, but however, they are still reporting and attempting to collect the remaining balance. I contacted XXXX again on XXXX XXXX, 2017, and asked why is the balance still showing unpaid when they agreed to accept a settlement. The response she provided after a 15 minute lengthy conversation was that I still owed them the balance and I should just pay it. <P/>I responded their should not be a balance owed if her company agreed to accept a settlement. I explained, how I recently on the same day I negotiated the settlement with her company, I had done so with other collection companies. Those companies had either removed their medical debt or updated my credit report to indicate paid settled and XXXX out the balance.
Product: Mortgage

I have been wrongfully denied refinancing by NEW REZ LLC mortgage company based on race, gender and age bias. 
I am refilling complaint of discrimination leading to denial of lower interest mortgage.
Product: Credit card or prepaid card

Synchrony Bank has closed two accounts that were in good standing. They claim it is because my credit score dropped a bit. Both of the accounts had a {$0.00} balance. Looking at complaints made on social media XXXX XXXX and XXXX XXXX, they seem to close accounts or cut limits within 2-3 weeks of the account reaching a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband XXXX in the month of XX/XX/XXXX, at which time we were having some financial difficulties. this resulted in my home going into foreclosure. I was able to market our property for a short sale were Portfolio held a judgment in the amount of {$4500.00} which stopped the sale. 
Contact was made to Portfolio a number of times prior to the 1st recorded date of XX/XX/XXXX.at that time a letter was sent by my attorney. Phone contact was made on a daily basis starting XX/XX/XXXX. 
On XX/XX/XXXX we were informed by the legal dept. that the dept was uncollectable ( original judgment date was XX/XX/XXXX ). 
Mean while, Portfolio requested1 or 2 documents which my attorney provided. There after my attorney continuously called for the resolution. Finally he was informed that a satisfaction would be issued. This was too weeks ago. 
We have contacted Portfolio again on a daily basis with the same promise ( tomorrow by XXXX ). 
My mortgage holder is now going to reopen the foreclosure .I do not want a deficiency judgment.
Product: Student loan

I was on an ICP working towards loan forgiveness when I lost my job I called and was advised to switch to a financial hardship plan, which I did ... 
What I did NOT KNOW was that this would halt all of my payments moving towards loan forgiveness, when I discovered this, I switched back to the original plan, setting me back about 12yrs towards loan forgiveness, causing me to have to start all over again. All under THEIR GUIDANCE & SUGGESTIONS- This loan is over 22yrs. I am constantly being given the wrong information. Last month I was told that under the WE CARE act that any payments I make will go towards the principal balance. When I called a week later to discuss how to ask a question about that, they told me that wasnt true, it only goes towards your interest. Then when I pushed further to speak to her superior she told me that I only have 1.5yrs left on the loan. I asked for that to be put in writing with the exact date since everytime I call its different information.Then next day I was informed its 11.5 years. and that they can't put anything in writing. I was also told that there is no incentive for them to work this out with me since its a government loan and they will have to pay it eventually. When I complained to my congresswoman, she said just work towards loan forgiveness.
Product: Credit card or prepaid card

The 3 credit bureaus were continuously reporting inaccuracy and errors with this specific account. I have submitted my last letter to them last XX/XX/2021, requesting for a reinvestigation and a copy of any legal documents to be submitted to my address or email. Nevertheless, up to present, I have not received any response from them. Thus, the 3 Credit Bureaus have failed to comply 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.
Product: Mortgage

I am disputing the foreclosure date or XX/XX/2019 by Select Portfolio Servcing. 
I have asked for specfic information on this loan from them multiple times and have not received the information that I need to make an informed decision on what I need to do with my property and my situation. 
There are 2 open disputes on this loan number XXXX disputing the Trust that my loan is a part of. I have spoken with the ombudsmen department multiple times about extending the foreclosure date and as of today they refuse to do so. I even had one representative from the Ombudsman department tell me it would be illegal for them to foreclose on the property with an open dispute on it. Yet they still seem to be intent on doing so. 
I have tried multiple times to get a clear answer from them on my situation and they openly tell me they know nothing about the XXXX XXXX XXXXXXXX XXXX XXXX other than who owns it. I need more information on that to help me with my situation and to give me piece of mind that my money is going where it's supposed to. 
Again I demand they give me the information I need and that this foreclosure date set for XX/XX/2019, is postponed based on the fact that there is information, that they as the collecting party should have yet they are now giving me.
Product: Credit reporting or other personal consumer reports

This company continues to report this loan to my credit reporting agencies in spite of the fact that it was once removed due to a XXXX  XXXX. Until this is removed, I will continue to file complaints.
Product: Checking or savings account

Last XXXX my Credit Karma account was hacked ; the hacker made a purchase of {$5000.00} at a XXXX XXXX in Indiana ( # XXXX XXXX XXXX XXXX XXXXXXXX, INdiana ) the funny thing is that I live in XXXX  and at the time I was at home. I got a call from Credit Karma Fraud Line and the asked me if I authorized this transaction, I said no ; they sent text message with a code but that code never worked. Tried that 3 times. After that I got a push notification saying that a transaction was made for {$5000.00} I jumped on my computer and logged into my account. I went to my security page and realized the phone number was changed. I called credit Karma and after a long wait I got a hold of somebody and filed a claim. The person mentioned the thief downloaded the virtual card and made the purchase. The supposedly locked my account but the day after I got a called saying that somebody tried to use my card at XXXX. The code never worked again but this time the transaction didn't go through. I am trying to get them to return my money but they only say we are on it, do not worry. No temporary credit or anything. Now my my money is locked and I can't get it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiry were made without my authorization I believe I was a victim of Identity Thief. The inquiries are : XXXX - XX/XX/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
Product: Credit reporting or other personal consumer reports

i paid account off. but it still show up on my credit report.. i would like it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint in regard to my previous CFPB complaint numbered : XXXX. And probably my sixth complaint regarding Equifax. 
It should go to : XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX Equifax did not report to you it responded to this complaint. However, there are several things wrong with their answer : 1. I was advised to " upgrade my Equifax product. '' This is something one does, or at least I do, when a level of confidence and trust has been established with a company and I feel and believe a higher level of service, and more money spent, is deserved. Equifax has created the opposite in me because I already pay for their service and even if I didn't, am I supposed to accept the errors associated with my credit report, and that Equifax generates, go to people who might want to lend me money, or offer me a job??? Information is gathered, and written, about me no matter what, so if I don't pay Equifax enough, they don't care what they say about me??? So, in other words, Equifax is advising me if I don't upgrade and spend more money, the errors in my report will not go away or be fixed. These are ERRORS and they are caused by Equifax... I should NOT have to pay more for fair and correct reporting and I will NOT!!! 

2. Equifax statements about my credit stability have been written incorrectly and contradict each other and I have reported this MULTIPLE times with examples to XXXX XXXX, XXXX of Equifax. NOTHING has been done to correct these errors. For example, a condition that might help my credit : " Balances on bankcard or credit card accounts not too high compared to limits '' and same comment, but negative this time : " Total of all balances on bankcard or credit card accounts is too high. '' These two statements are opposite each other... but they STILL exist! And these two make no sense : " Balances on your accounts are too high compared to loan amounts ... '' What does that even MEAN??? And " The date you opened your oldest bankcard or credit card account is too recent. " ... that is NOT true and WHAT is too recent????

Further, their response is nothing but a form letter. Most of the verbiage in it is XXXX, makes no sense and is inapplicable to me... poorly executed response and I refuse to accept it.
Product: Credit reporting or other personal consumer reports

Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT CONTAINS THE CORRECT ATTACHMENTS. I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from XXXX and Equifax showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with two bureaus TransUnion, and XXXX who are allowing XXXX XXXX  to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give TransUnion or XXXX, permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Bank account or service

I made a check deposit on XXXX/XXXX/2015 at Wells Fargo bank in XXXX oregon yesterday and because the bank created an overdraft two times in 6 months they put a 10 day hold on the check we checked the account the check was drawn on and the check was paid. I called wellsfargo and informed them that the check was paid last night and that I wanted the money made availe I was informed that was n't going to happen. 

Yesterday as every month I made payments to my credit card it was noted and pending yesterday but today the payments are not there the bank said I did not make the paymentsAnd that my balance is XXXX+ this is how the bank causes an overdraft they force this by deceptive practices This has got to stop it is unfair that a bank can keep me from paying my bills with my money and that a draft that they have gotten paid on remains on hold this was never disclosed to me at the time of opening the account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding TransUnions grossly inaccurate and fraudulent reporting of a XXXX XXXX XXXX account on my credit report. 
XXXX XXXX XXXX : XXXX Incorrect Status Reporting : TransUnion is reporting the account as open with XXXX late payments, while simultaneously listing the account as closed/charged off. 
This contradictory reporting is not only inaccurate but has also caused significant damage to my credit score, further compounding financial harm. 
Account Ownership Discrepancy : I have only one legitimate XXXX XXXX XXXX account, yet TransUnion is reporting two accounts. 
One of these accounts is entirely unverifiable, as I do not own it, nor does XXXX XXXX XXXX have any record of it. 
Violation of Federal Law : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. Reporting an unverifiable account and contradictory account details clearly violates this requirement. 
Additionally, 15 U.S.C. 1681i ( 5 ) ( A ) mandates that TransUnion delete or correct information that can not be verified during a dispute. Despite my formal disputes, these inaccuracies persist. 
Failure to Verify Ownership : TransUnion has failed to provide any documentation or proof that I own the second XXXX XXXX XXXX account, as required under 15 U.S.C. 1681b. 
These reporting failures have had a devastating impact on my credit score and financial health. Despite my attempts to resolve these issues directly with TransUnion, they have refused to take corrective action.
Product: Vehicle loan or lease

I originally took and accepted a loan from Honor Finance XXXX for a little over XXXX. Per the contract I would pay 360 monthly at 33 % interest which I accepted. They sold the loan to Westlake Portfolio Management. I had no knowledge of this for roughly 60 days after it being sold which wasn't a problem. The issue is that I've had my car for almost 4 years, which was the contracted time and only 8 % has gone toward principle. They still show me owing the same amount. Roughly 90 % of all payments made have gone toward interest which isn't in the contract I signed. I don't understand why. They told me there's XXXX daily interest which still doesn't mean XXXX should go toward interest. How is this fair.. I'll never pay off the car. I'm so baffled with how this is happening to me. I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised after careful review of my consumer report I have come across the following items on my report. 

XXXX XXXX Account number XXXX There are multiple inaccuracies regarding the reporting of the said alleged debt. 
This account is currently reported as charged-off. 
This account exceeds the 600 dollar threshold, I was never sent a 1099c which this account qualifies as realized income. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete these accounts IMMEDIATELY Failure to respond satisfactorily with the above account deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX enclosed is a copy of my ID and proof of address