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

I filed a BBB complaint against Exeter Finance Corp on XX/XX/XXXX for inconsistent credit reporting for a repossession in XX/XX/XXXX ; after numerous disputes with the creditor ( Exeter Finance ). I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the BBB ( XX/XX/XXXX ), this company has been reporting this account closed one month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5  days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the BBB complaint below.
Product: Vehicle loan or lease

I am still having a difficult time with one main financial. They are bleeding me dry with too high of the intrest on my vehicle and when I asked for hardship and to lower my intrest rate they refuse too. Also I have complained here before to CFPB about them calling my job and I sent them an email and they still call my job while I have asked them several times. I have proof from an email I sent to them and also the last time I filed the complaint on this site. Why cant this company do the right thing and stop ripping people off : I have read numerous complaints besides myself. I also noticed they increased my term for almost 6 years paying XXXX a month for 6 years thats giving them XXXX, XXXX on what was owed of XXXX. This is a total ripe off and our government needs to take action. I only owed at the time I came to them only XXXX and I took out and refi to XXXX and they are legally taken advantage of people badly. This needs to go public and if the cfpb doesnt want to help they need to go as well.
Product: Money transfer, virtual currency, or money service

There unauthorized charge for {$800.00} withdrawn from my account on XXXX XXXX at XXXX and I contacted XXXX XXXX in regards to disputing this charge because it was fraudulent and they denied my claim stating that it was no errors made and was authorized by me.
Product: Checking or savings account

Chase Bank Owes me {$290.00} for services not rendered from a vendor after promptly closing my account early  XXXX  with out notice. I recently received notice as of today via email that an account reversal of {$130.00} took place when I no longer have this account by the bank 's request and the bank wants to charge me back funds when in fact I have not had returns. I also had to spend extra money due to the shut down o n the road, a nd Chase Bank refuses to compensate me for the huge disruption with out even having a debit card to use while traveling.   Now the bank want to charge me for a claim that was not valid. I received a letter with no description. I do not want Chase Bank to email me, or to contact me at all other than mailing me of what is due to me which is {$290.00}. My account have been closed since  XXXX  upon the banks request. I find this unlawful.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX approved for {$130.00} however XXXX only allow to take it out in increments with an {$8.00} fee attached to each withdrawal meaning I have to withdraw 2 times to get the {$130.00} XXXX approved for which I turn i have To pay cash out fees for each transaction totaling up to nearly XXXX dollars just to take out {$130.00} making my repayment amount to the company {$150.00} not to mention they encourage you to tip so u can get higher approval amounts it just seems like a scam. If XXXX allow to take the {$130.00} XXXX approved for why do i have To withdraw it in XXXX separate transactions with fees associated with each withdrawal
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX THIS INFORMATION IS NOT ONLY INACCURATE, ITS INCOMPLETE. 

What was the monthly payment for this account? XXXX XXXX is reporting {$0.00} and XXXX and Equifax isn't reporting anything. Did the furnisher not supply you that information? 
What is the current balance owed to date? 
What was the date of first delinquency for this account? 
Why is XXXX reporting a date of last activity as XX/XX/XXXX, while XXXX XXXX and Equifax report the date as XX/XX/XXXX? Which date is it? 
What was the credit limit for this account? 
Is this account past due? If so, how much past due is it and if not was it ever past due, and if so, how much? 
Look at the payment history. Why is it reporting as RF for XXXX and XXXX of XXXX for Equifax and then reporting on time for XXXX of XXXX and then back to RF from XXXX of XXXX to XXXX of XXXX? What is it? Why isn't XXXX or XXXX XXXX reporting any payment history? 

This information is all over the place.
Product: Credit reporting

XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX XXXX to learn how you can request your free XXXX credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with XXXX who said the site should allow me access to obtain my free credit report. I live in XXXX, am a XXXX citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no XXXX mail service in XXXX. We are moving back to XXXX in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.
Product: Credit reporting or other personal consumer reports

Over an extended period, I have diligently contested the inaccuracies present within the information provided to Equifax, XXXX, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

Equifax Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate. 

XXXX XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item. 

XXXX XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Checking or savings account

Banks wont approve my applications and not giving an explanation of why being the fact i filed for stolen identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with GREAT AMERICAN FINANCE XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GREAT AMERICAN FINANCE XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and GREAT AMERICAN FINANCE XXXX with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

sec. 605 15 usc 1681C - FAILURE TO REMOVE DISCHARGED DEBTS - After a debt has bee discharged in a bankruptcy it should be removed from the from the consumers credit report. Failure to do so within responsible time can be a violation of the FCRA. 
Reporting company has not removed discharged debt accounts from my credit report since conception of discharge even after receiving discharge notice from the state. 
Accounts listed in discharge are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The only accounts that should be on my credit report is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I get collection accounts from other people then who I actually had the debt from and Im asking it to be removed please
Product: Credit card or prepaid card

In XX/XX/XXXX I made two credit card payments that i transferred out of my checking account via online banking for {$2000.00} and {$1000.00}. On XX/XX/XXXX i discovered that someone called in and requested to remove those two payments and reverse them and send them to an outside account at XXXXXXXX XXXX. I have filled a dispute same day on XX/XX/XXXX and never received provisional credit to my account and was advised to make minimal payment and it will be resolved. 

Today is XX/XX/XXXX and after several attempts i haven't received provisional credit, money back and now i have extremely large amount of finance charges on my account. I think this is ridiculous that i need to wait this long for money that i never transferred out. Clearly a reg e issue. Bank is not following rules that are set to them.
Product: Credit card or prepaid card

There was a charge to my account in the amount of {$300.00} on XX/XX/2022 from " XXXX The Midwife '' in which services that were involved with that charge were never fully completed. 
I tried to resolve the issue with the merchant, but they refused and I disputed the transaction with Chase on XX/XX/2022. 
On XXXX, XXXX XXXX  Chase claims that the services " were '' completed, but indeed the services have not been completed and Chase hasn't furnished any evidence that would suggest services were completed and is solely basing their decision off of what the merchant has claimed. I've had to get the services completed through another source.
Product: Debt collection

Following my workers comp XXXX on XX/XX/15 I began receiving an invoice for a XXXX  to XXXX  the XXXX  on my XXXX XXXX. I called XXXX and explained the charges are to be submitted to the Dept Of Labor. The company later sold the invoice to a collection company, XXXX XXXX XXXX XXXX for collection. This company was also notified of the case number for workers comp and they returned the debt to XXXX. The debt was again sold, this time to KLS Financial Svcs, who have harassed me relentlessly for an inflated collection amount that I am not responsible for. 

XXXX XXXX XXXX XXXX has allowed KLS to place a smear on my credit file and has not assisted me in removing this inaccurate information. Following the credit dispute process both XXXX  and XXXX  cleared my file, but XXXX  is expecting me to work it out on my own. 

I have complete documentation of my workers comp case file and request my credit file be cleared of this slanderous accusation about me.
Product: Prepaid card

On XX/XX/2024 I contacted Vanillagift.com at phone number XXXX XXXX XXXX. The person I spoke with told me the company would send me 3 replacement cards, since the cards I purchased declined every transaction I attempted. I received 2 replacement card which did work, but I did not receive the third card I should have received. The replacement card packages and paperwork do not specify the card they replaced, so I don't know which card was not replaced. 

I requested the following cards to be replaced : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase took XXXX $ out of my acct refunded XXXX Refuses to refund the rest. They lowered my credit amount the Day I requested my money back. Lied repetitively. weeks later my truck has been reposessed. They took every penny my wife and I had in that account and XXXX XXXX at Chase keep telling me 7 more business days. I will be Evicted from my home if I miss another payment. They are a Terrible Scummy bank. Countless people on other sites having the same problem over the last year.
Product: Credit card or prepaid card

In XXXX of 2021, I received a bill from Victoria Secret ( commenity bank ) for charges that I did not make and I did not receive. They started an " investigation '' and in XXXX they sent me a letter stating that the charges were going to remain on my account. Whenever I call them, their agents will either hang up or transfer me when I ask for their names. I am trying to refinance my house and I once again disputed the charges. Their " investigation '' that XXXX from the fraud department stated, " was done by the FBI and showed that I received the products and they were not going to remove the charges from my account. '' XXXX also claimed that " the FBI took photos of me wearing the clothes that I was disputing. '' I do not believe that the FBI investigates anything for commenity bank and Victoria 's Secret. They have since reported the account closed but didn't report that the account was paid in full. It shows a balance of XXXX. XXXX stated that because they closed the account, I can not claim fraud and have my money returned to me. The fraud was reported in XXXX and they waited until XXXX to close the account after I had made the payment and their reason was because I reported the transaction as fraud. XXXX then stated that my voice sounded too feminine and so she was flagging my account and wouldn't answer any more questions. She then asked me if I had any other questions that she would refuse to answer. XXXX was laughing and stated that I would just have to live with whatever they decided to do to me and that she could ruin my life if she wanted to. They are refusing to report my account as paid in full and stated that they would report the payment whenever they felt like it and XXXX stated that she was going to report my entire credit history as fraudulent and that I would never get a loan or be able to refinance my home. The money has been taken from my account to pay this bill and XXXX also stated that they could report the charges on the account indefinitely and there was nothing that I could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX {$640.00} XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX I have disputed with these companies how my rights was violated by HIPPA, I have no communication with the reporting company that this was a collection for my report and I have not given them consent to report on my credit profile because it was not formally verified AND the companies has not submitted any supporting documents that is was my account. 
I have demanded physical evidence from Experian and XXXX but they have not sent any evidence to confirm this account meets the FCRA. 

They have also not responded to many unauthorized inquires that was not removed from my account.
Product: Vehicle loan or lease

XX/XX/XXXX My wife and I purchased a relatively new, but used car, a XXXX XXXX XXXX, It was our first nice vehicle and we made this decision in anticipation of a cross country move. I had just enlisted in my first XXXX XXXX contract with the XXXX and we were moving from XXXX  to my duty station in XXXX. We were excited and figured this vehicle would last and be reliable and safe for our XXXX year old daughter. 

XXXX - XXXX The vehicle proceeded to have issues with the transmission multiple times and only one was covered by warranty. In the wake of a XXXX, multiple training events and preparing for a XXXX we started to struggle a bit financially, and we did have some late payments, but we corrected them with the lender. 

In XXXX, XXXX  XXXX, due to new mechanical issues and a growing family we wanted to trade the vehicle in for something more reliable, something we didn't expect to have to do, however negative equity on the vehicle did not allow for this, and instead had to finance a second vehicle ( different lender ) and it was a major financial strain to make two vehicle payments, especially when this XXXX was nearly inoperable due to the transmission. So we negotiated a voluntary repossession with the local XXXX dealer who understood the situation and would deal with Ally ( creditor/lender ) The account was charged off and the account froze at the 50 percent we still owed. 
Ally has been somewhat fair, in not ever putting the account in collections, however there has been a fresh charge off every month since, and has significantly impacted my attempts at correcting my credit scores, since the struggle my family and I had experiences while I was in the military. 

I have disputed them through all 3 bureaus, and they did delete some history, but Ally have still affected my growth and history each month, since most recent charge off is dated for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Product: Mortgage

I applied for a mortgage modification with Capital One. The modification was granted. During the trial period I made all payments as agreed. The company reported me 30 days late for 3 months during the " trial period '' even though none of my payments were late. I have gotten other modifications and no other bank reported me as 30 days late during the trial period. This is horribly unfair as obviously I have been having some financial difficulties. But I complied exactly to their requested payment. My credit score dropped XXXX points and this effect will go on for years. Punishing me for the modification.
Product: Mortgage

Mr Cooper has Constantly mis applied my bi-weekly payments since or about XXXX of this year. I have called monthly to have to correct this problem. My mortgage is paid on the XXXX and XXXX for the following month. Problems range from hierarchy to system malfunctions. this has led to Me being allegedly late and my escrow funds not being funded properly. Every month I have been assured that that the problem would be fixed and as of now it hasn't. My payment plan is set through my bank as Mr. Cooper wants to charge a fee for bi weekly payments.When I did this I was told by a Mr Cooper representative that it would be No problem. I also send an extra XXXX dollars a month toward principle. I had a conversation again on Thursday XX/XX/20 because my XXXX payment was Not Applied to XXXX. I was assured it would be fixed, it hasn't. Also I was to receive an Escrow overage check, which I did. I wanted those funds to go back in to escrow which i was told they would, they haven't.
Product: Vehicle loan or lease

I paid off my Chase Bank auto loan in the year of XXXX, however, Chase had never sent any lien release to me until late XX/XX/XXXX after I contacted Chase when I failed to sell my car. 
On XX/XX/XXXX, when I was trading in my car and purchasing a bigger used car at a dealer for my vacation with my family and friends, after my husband completed the finance application at the dealer ( my husband 's credit score had been checked ), the dealer found out the Chase lien on my car and rejected the trade in ; therefore, I must pause the purchase and go to a Chase branch to request a lien release and must wait for the lien release to trade in the old car to restart the purchase at the dealer ; the used car I wanted to purchase was sold out while I was waiting for the lien release from Chase ; therefore, I must look for another used car again and could not get a used car until XX/XX/XXXX. 
I had booked the hotels for the vacation with my family and friends, however, I must cancel all the bookings and reschedule the vacation. The negligence of Chase has damaged my vacation, wasted my time, and added unnecessary extra hard inquiries on my husband 's credit profile.
Product: Student loan

I make a loan with Salliei Mae in 2022 but they didn't give me the right information also in many times they didn't take the money in the right time also they give me hard time to.make payments in my.loan also I was involved in a car accident and I tray to negotiate with them but they didn't helpme becouse I losses my job also I was able to work for couple months
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts and inquiries listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX-XXXX  Inquiry Date XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX XXXX Balance Owed : {$710.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}