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

Today is the 3rd time XXXX  at Gateway Financial has contacted my family/friends without attempting to call me first.  I have repeated asked that I be contacted first on my cell and at least give me an attempt to answer her call prior to contacting my family.  I consider this harassment.  In addition, I have repeatedly advised them that I will be getting a bonus on XX/XX/XXXX.  They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly.  I have paid well over what the truck is worth and still owe triple what it is worth.  I got locked into this loan by a shady dealership (XXXX).  I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning.  But I am taking ownership and paying it.  I have gotten in a few situations financially with job losses of my fiancé and it has been a nightmare trying to deal with them through it.  I have had other companies who were much easier to work with (XXXX XXXX for example).  I am tired of this constant harassment and threats to repo via email but then I can't email back my plans to pay (I have to talk to XXXX and be degraded like a school child).  I have had enough.  It should be against the law to continually contact family/friends without attempting to contact the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of the account delinquency is shown as 1 year and 8 months old. This account delinquency was originally with XXXX and it was a dispute over the closing charges on the account that I chose not to pay because I disputed their charges. This dispute took place in XXXX, XXXX so it is almost XXXX years old, not 1 year and 8 months.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Called me at work and identified their self as Ford Motor Credit first and wanted to collect a debt. The debt is for the amount owed after a lease ended on a XXXX XXXX that the dealership said they would pay at the end of the lease and said we owed nothing. Only at that time did they disclose they were XXXX XXXX XXXX on behalf of Ford. They constantly call and harass me at work and will not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request via certified mail for Chase to send me all electronic and paper corespondence that was sent to me from XXXX XXXX - XXXX, XXXX in order to determine if and when they informed me of a charge off date for account ending in XXXX. They received the letter on XX/XX/XXXX, and as of this writing have still not sent the requested documents to my email or mailing address. Please see attached documents as proof of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. Transunion and XXXX both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised Transunion and XXXX that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to Transunion and XXXX without the consent of the court.In return, this is inaccurate information and the process thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Hard inquiries that need to be removed from Equifax credit report, with dates ) Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Apple Card Goldman Sachs closed my credit card without any explanation or prior notice and prevented me from accessing more than {$140000.00} in funds on my savings account that I needed to pay my mortgages on time for no reason I reached out and they still haven't solved this problem, I need access to my funds and they are preventing me from accessing my own money
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a dispute with XXXX regarding the American Express Account XXXX negatively reporting to my XXXX Credit File. In my dispute I included court documents submitted by American Express and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. On XX/XX/XXXX American Express filed suit against on credit card balances arising from two American Express card accounts ending in XXXX and XXXX. XXXX. American Express was awarded a Judgment against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 3. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below are XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX. American Express declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force, and effect of the judgment. Not only was I fully released from all reported debt on my American Express cards, the amount being reported delinquent of {$12000.00} was a total of two cards but is being reported as a single account by XXXX. So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. Even after receiving a copy of the court order releasing me from all liability of this debt, XXXX has failed to remove the negative account being reported for which I have no liability. 

In response to this dispute, American Express sent me a response saying it was no longer reporting these accounts to the CRA 's, and addressed their responses to someone with a very similar name in a different city, with different account numbers, stating they were fraudulent accounts. Apparently American Express failed to read the court orders, and correct account numbers, my address, or any of my actual identifying information. I've attached the court orders relieving me of all liability and full release of the debt, which American Express requested happen. I just ask you finally stop reporting this debt which by court order I am not responsible for. 

I've attached the court orders once again. 

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

I was denied credit in XXXX of 2017, I 've contacted Equifax on six occasions to request my free report. They advise me that there is a special department that I have to speak with and that they will contact me. Three months later I have not heard from anyone nor have I received my free credit report from being denied credit. I assume this behavior is due to litigation that I am involved in with Equifax. However it is unlawful not to provide me the requested credit report.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report solely under the specified circumstances : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' However, neither the financial institution nor the consumer reporting agencies, including XXXX, TransUnion, and XXXX, p

ossess my consent to disclose this information, as I have not provided written authorization. If there were written authorization, I can only presume it was forged, raising concerns of identity theft. Moreover, 15 USC 6802 ( b ) ( c ) highlights that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Nevertheless, Furnishers of information to credit agencies failed to inform me of my right to exercise my nondisclosure option. 

Account Name : XXXX XXXX  Account Number : XXXX As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

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: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they are affecting my ability to obtain credit. 

XXXX XX/XX/XXXX XXXX XX/XX/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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, one of the major credit reporting agencies, for their failure to process my dispute within the stipulated 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). I find this situation deeply concerning and hope that your intervention will help rectify this matter promptly. 

On XX/XX/2023 and on XX/XX/2023, I submitted a dispute to TransUnion 's, reference attached letters, regarding inaccurate information on my credit report. The discrepancy pertains to names that are not mine, addresses that are not mine, an incorrect accounts, incorrect late payment and one account that I didnt open. 
Understanding the importance of maintaining accurate credit information, I promptly initiated the dispute process to rectify this situation. 

Despite the statutory requirement that credit reporting agencies investigate and resolve disputes within 30 days, I am dismayed to report that TransUnion has not taken any action on my dispute within this timeframe. As of today 's date, it has been more than 60 days since I filed my dispute, and I have yet to receive any communication or updates from TransUnion regarding the resolution of this matter. 

I want to emphasize that the accuracy of my credit report is essential for my financial well-being and my ability to access credit on fair terms. TransUnion 's failure to address my dispute in a timely manner has caused unnecessary stress and frustration, and I am concerned that this delay could have lasting negative implications for my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure that TransUnion promptly processes my dispute and provides me with a written response detailing the investigation 's outcome. I also urge you to take appropriate actions to ensure that TransUnion complies with the FCRA 's requirements moving forward, as this situation highlights a disregard for the rights of consumers like myself. 

Enclosed with this letter, please find copies of relevant documentation, including proof of my dispute submission and any supporting evidence regarding the inaccuracies in my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address my complaint and hold TransUnion accountable for their failure to adhere to the FCRA guidelines. I look forward to a swift resolution and appreciate your assistance in rectifying this issue. 

Sincerely, XXXX XXXX
Product: Student loan

I set up auto payments with Nelnet student loans. Auto payments were canceled by them. I shouldve had interest-rate reduction set in place when auto payments were put in. When I realize there was no interest rate reduction applied to my account I tried to send correspondence because whole times were inordinately long. And I couldnt get a response through email, despite submitting all the appropriate information so I sat on hold, and I finally talked to somebody and they said that the interest rate reduction had been applied which is great. However, anytime that I have been trying to make extra payments lately their website has substantial issues with logging in. My username has not changed. My password has not changed. This information is saved in my browser for convenience, and I check my balance a few times a week and throw extra money at my payments as much as possible. The XXXX factor authentication code needs to be sent for you to login every time you attempt to access your account now that website now has issues generating that XXXX factor authentication code even though all my contact information has remained the same throughout the duration of the servicing time. 
When you contact them through the phone number, theres often a wait time if you try to use their chat, but theres no way to get an answer to this type of situation. It just directs you to try and login on the log page which you cant do if you try to use their contact us by email section it wont let you access it unless you can login and if you are having a XXXX factor authentication code issue, you literally can not contact them and you are forced to sit on hold and wait. They should have a better chat or chat with advisor availability option When I contact customer service, they corrected this issue upon contact but they also advise me that I didnt have to pay as much money per month. I told them that Im trying to avoid paying interest on my loan overtime and again they insisted I didnt have to make as many payments as I am making. They also made some kind of billing error and put my account in forbearance and I cant get into my account to read what the notice says again to figure it out and the XXXX factor authentication code issue was happening again as I attempt to make an extra payment. Now that is making paying my loan off early and avoiding unnecessary interest charges very difficult. The fact that their customer service Recommends that you pay less money per month in order to collect more money from the borrower is ridiculous. 
I think the information the agent has given me was helpful regarding what happens if I get laid off she did evaluate to see if I qualified for the safe program which I already knew that I didnt so she was very helpful but I think as a general policy, they should be advising customers to pay more if they can if possible. I dont think a lot of people understand that paying less result and higher interest, overtime and longer money paid out over the term of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Mortgage application with Chase on XX/XX/XXXX and got pre-approval. I purchased the house with another lender in XX/XX/XXXX and didn't use Chase. 

Now it's XX/XX/XXXX and my Chase pre-approval expired. The agent from Chase contacted me today ( XX/XX/XXXX ) and asked if I authorize them to pull my credit report in order to keep the pre-approval letter ( see attached ). 

However, before I got a chance to contact Chase and cancel this cancel the pre-approval, Chase pulled my credit report again in the afternoon of XXXX/XXXX/XXXX without my written approval. This action doesn't make sense as they don't have my consent to pull my credit again in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account : XXXXXXXX XXXX XXXX Account # XXXX {$1100.00} Reported on Equifax ONLY and XXXXXXXX XXXX Account # XXXX {$110.00} Reported on XXXX ONLY Several times. I have NEVER lived at these addresses and this is fraud. After several disputes and myself contacting the company directly the company STILL refuses to send me any information about this account or the debt. Whenever I call they say they are processing this request. How long does it take to process a request more than 6 months, because I have been waiting since the beginning of XXXX for this proof and at this point my credit is suffering because the original creditor is still processing my request to send me any type of information in regards to this debt. Please Delete this account from my Equifax credit report IMMEDIATELY. It should NOT take 9 months to process a request to send me information. The mailing system is NOT that Delayed.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a pay
ment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and other fraudulent company attempting to claim illegal rights to property. SELENE FINANCE LP has no right reporting on personal profile to XXXX by illegal reaging and flagged account as Loan Modification on XXXX XXXX, XXXX reporting personal credit report debt resolved in bankruptcy.in XX/XX/XXXX. Now illegal harassment with notices and neighbors at personal resident and illegal entry personal property. Failing to obey U.S fair credit laws with illegal credit reporting, aggressive & illegal business practices of illegal reaging debt collection practices..
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax ( XXXX ) for civil negligence and noncompliance with their obligations under the Fair Credit Reporting Act ( FCRA ). Equifax has failed to accurately report information on my credit report and has improperly handled disputes I have submitted. Despite my repeated efforts to address these issues, Equifax has not corrected the erroneous information or conducted the proper investigations required by law. 

The specific issues I have encountered are as follows : 1. Inaccurate Reporting of Late PaymentsEquifax is inaccurately reporting five late payments on my credit report. I have disputed these inaccuracies a total of seven times. Despite providing evidence to support my claims, Equifax has failed to correct these errors.

2. Unauthorized Hard InquiriesEquifax is also reporting 11 hard inquiries on my credit report that I did not authorize. I have disputed these unauthorized inquiries seven times as well. Despite my disputes, these inquiries remain on my report. 

3. Improper Handling of DisputesI filed three disputes on XX/XX/year>, XXXX dispute on XX/XX/year>, and XXXX disputes on XX/XX/year>. In each case, Equifax opened and closed my disputes within 24 hours without adequately investigating or resolving the issues. This behavior indicates a failure to conduct a reasonable investigation, which is a clear violation of the FCRA. 

XXXX repeated failure to address these issues has caused significant harm to my creditworthiness and has adversely impacted my ability to access financial services. This pattern of noncompliance demonstrates negligence in their responsibilities as a credit reporting agency and a disregard for the protections afforded to consumers under the FCRA. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to ensure that Equifax : Conducts a thorough and fair investigation into the disputes I have filed. 

Corrects the inaccuracies on my credit report, including the removal of the five inaccurate late payments and the 11 unauthorized hard inquiries.

Provides a detailed explanation of their investigation process and findings. 

Ensures compliance with the FCRA in handling all future disputes.
Product: Debt collection

I received a letter from Dynamic Recovery Solutions regarding a debt owed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. The letter stated that they have tried to contact me via letter before, which is untrue. I have never been to this place. I looked them up online and the business was a rental car agency. Several other people have left reviews about being scammed or having a false debt sent to collections by this company. I tried to reach the company using the number listed in the letter. There was no answer.