23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Error reporting lateness on XX/XX/year> for XXXX account. Account was closed and paid XX/XX/year>. Title for car was received from loan company, indicating loan was paid in full on XX/XX/year>, therefore lateness was reported inaccurately.
Product: Student loan

I began the consolidation process with Fed Loan Servicing XXXX XXXX XXXX after XXXX. I called Fed Loan Servicing and spoke with a customer service representative. I asked what my student loan payments would be if I consolidated all of my students loans with XXXX servicing center and was initially told that payments would be between $ XXXX {$400.00}. At the time, I realized that I had many student loans and this would work for me. After completing the paper work, I was sent notification that I qualified for Income Based Repayment and that my payments would be approximately $ XXXX, a little more than I expected, which I accepted. I then received notification from XXXX that I had additional students loans and made arrangements to have those loans consolidated with the other loans through Fed Loan Servicing Center. In the meantime, I put my loans in forbearance and was scheduled to begin payments in XXXX XXXX but realized that my payments had increased from $ XXXX to $ XXXX. After speaking with several customer service representatives and XXXX supervisors, I was told by XXXX, the last supervisor ( ID # XXXX ) with whom I spoke, that the increase was because the servicing center had initially put my loans in the wrong program. I spoke with a customer service representative who admitted this ; however, I do n't think that she was supposed to admit it since I had spoken with XXXX customer service representative and a supervisor before her who did not indicate that a mistake had been made. XXXX admitted it only after I had spoken with her and demanded that she forward me to a supervisor. I was told that I did not qualify for Income Based Repayment because of a {$6000.00} Parent PLUS Loan that was included in the initial consolidation and that my account was put into the Income Contingent Program when the additional loans were added and Fed Loan Servicing recognized their mistake. I did not receive notification of this initial mistake. I did ask that the servicing center choose the lowest payment program in my initial application but would not have agreed to these terms because I can not afford it. I knew the payment would increase but I assumed it would be based on the Income Based Repayment program and that it would not almost double. I have asked if I can appeal the terms of the loan consolidation since Fed Loan Servicing admits they made a mistake and was told there is nothing they can do. They offered to continue to put my loans in forbearance ( every 90 days for 3 years ) until I can afford to pay the $ XXXX. I also asked that this company work on having customer service representatives provide accurate information and was told that they were sorry I had not be given the correct information. I would like to have the Parent PLUS Loan removed from the terms of my consolidation loan so that I can qualify for the Income Based Repayment program on the remaining loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX USAA FEDERAL SAVINGS BANK Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency XXXX XXXX XXXX Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from Experian and XXXX  but it still remains on XXXX   credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from XXXX, XXXX, & Experian. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX, TX XXXX is listed on my credit report with TransUnion. Inquiry from XX/XX/2020. I did not authorize this inquiry. I called XXXX XXXX XXXX and was informed they had no information on me to file a dispute. I tried filing a dispute with transunion however it would not go through. and noone answers the phone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/2022 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am trying to request a credit report and freeze my credit with all three credit bureaus. Two were easy to deal with, but Experian has been uncooperative.

Their website says it can not verify my information, so to phone and speak to a representative in order to create an account. When I phone during the hours listed, the automated system will not connect me to a live agent. No matter what option I choose or what I request, it directs me to use the website and then disconnects.
Product: Debt collection

debt was started with XXXX in form of credit card approximately year XXXX. After financial difficulties I was no longer able to pay debt. I owed XXXX dollars or so as balance. After communication with portfolio recovery in XXXX, I stated debt was old and uncollectable however portfolio agent stated that the clock to recovery was reset due to my communicating with agent. Phone calls are daily on home phone and cell phone. I recently checked my credit and portfolio is not listed but I still get harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX XXXX XXXX {$3000.00} XXXX   XXXX {$560.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX  XXXX {$120.00} XXXX   XXXX {$82.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$310.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

They refused to provide me with a payment ledger. They have not posted all of my payments to my account. Subsequently, my account has become default. I still have not received the documents and now they are calling me each day harassing me saying my life will be ruined if this goes any further. I offered to begin paying monthly payments of {$100.00} beginning next month but they refused.
Product: Checking or savings account

around XXXX i thiought i had misplaced my card from bank of america I had just got back from being out of town and still had not found my card. a few days later i found my wallet in my mailbox with all the cash gone but the cards were still there. My husband informed me to check my account and when i logged in there was over XXXX missing out of my account. I imeediatley called the bank and filed fraud on charges that i had not made at the time these charges were made i wasnt even in the town that they were made in. XXXX  was saving that money to pay my last rent and move into a new house, But becasue of this problem i was not able to pay my rent and i contacted bank of america explaining to them that this happend and that if i wasnt able to be reimbursed i was going to be evictedc it took them less than an hour to investigate my case and told me that all the charges were relevant and that i would not be getting reimburssed i toold them that whomever stole my card info had to obviously been from the town that i live in. I live in XXXX XXXX california it is a small farming community and we do not have any big name stores such as XXXX XXXX  XXXX or any fast food places so we all shop at the same stores when we go out of town the two closes towns to us are XXXX XXXX XXXX  then XXXX and XXXX  everyone in my town shops at these stores or we have to order stuff because we dont always have tghe things we need here. I tried to explain this to them many times i was told by one of the Fraud team that whatever happend wasnt there fault and i would just have to figure something out, another member told me that i probably deserved it, Because i wass not able to get reimburrsed for these charges that were made which ineveitably cleared out my account i got evicted from my home and my husbanc and i became XXXX  at the moment we are currently bouncing around from friends houses or sleeping in our car, i am furious that the bank treated me this way and i am very upset all i want is for my money to be reimburssed so that i can get a place to call home again for me and my family
Product: Mortgage

I am a XXXX veteran who, on XXXX XXXX doesnt pay property taxes on primary residence. 

My primary residence switched in XXXX, and there was an error on my XXXX exemption that I was not made aware of until XXXX of this year. I immediately took actions to rectify this and made all parties aware of the issue ( Chase, XXXX XXXX, etc ). 

Chase denied any extension and in XXXX upped my mortgage from {$720.00} a month to over {$2500.00} a month. 

Despite this hardship, I never missed a payment. 


Somehow, Chase can not account for how much money has I owe and I have paid off. 

Rather than accrue additional back breaking fines, I paid off the XXXX they say I owe. Despite paying the raised rate and $ XXXX. 

Im having trouble making the math of XXXX equal $ XXXX and I can not get a straight answer from anyone at chase. 

The service team has given me 3 different amounts they think I owe ( the XXXX figure is the most recent, it started at XXXX, then XXXX, then XXXX. 


Anyway, the servicing team has said they cant help I need to talk to a loan officer ( not located at my branch, so I had to make a special appointment ) and the loan officers just no showed an appointment with me this morning, leaving a message with the branch that this is a servicing problem, without even showing up.
Product: Vehicle loan or lease

XX/XX/2020 I completed a trade in with Carvana and was given a non-resident XXXX   temp tag and registration and I reside in XXXX. Upon receipt I realized the temp plates were already 3 days old. My problem stems from the fact that Carvana failed to disclose that the transfer of plates and registration would take 6-8 weeks, which would be a deal breaker to me due to the fact I would be illegally driving this vehicle for a possible 25-30 days. When speaking to a Carvana Rep she stated the companies position was, sorry but there's nothing we can do for you. I suggested a rental, and was rebuffed. Full disclosure could have prevented this oncoming catastrophe, with no relief in site. Have no alternative but to knowingly break the law with expired tags and pray if caught the legal consequences are not too severe. Worst of all is their position on the matter, totally uncaring and remorseless, for this abominable business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, We have lit. spend hundreds of hours trying to clear up a mess Barclay bank has made! 

1. It started with a chargeback for XXXX that was charged to us that was not authorized twice ( one was credited back the other was not ) we only authorized XXXX to this via trip avisor and so disputed such All we got was a complete run around of the cvc chip was scanned but was not, then stating merchant has not violated terms??? 

Never did we get the funds back despite the tons of calls to XXXX and the XXXX which are your customer service agents. And sent tons of documents in dispute 2. Then we got a charge on the card but was kept being told it was interest with a zero balance Finally we asked the card to be canceled and cleared up and never hear from Barclays again. The statement Being doctored many times by your agents it appears. 

3. Now not only did we never get the credit but you hit our credit report losing 85+ points over your continual mistakes Please clear up our account a credit would be nice but at this juncture just want our credit restored from YOUR Continual mistakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oregon XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Office
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have attempted to reach out to this company multiple times to no response.
Product: Debt collection

This communication responds to your all of the three major credit institutions, XXXX, XXXX, Experian, their Unfair, Fraudulent, deceptive, and wrong practices of debt reporting on your platform. I have a credit history since XXXX unbroken years with several accounts I've had, managed, and paid. Still, your agency only displays my credit history of six years because your agency places customers based on their names and places of origin on a predatory list, judging by my name. In addition, you have instituted nepotism in your reporting causing my Family and me unrepairable damage by displaying wrong information on my report. 
You have kept me down for over two decades, and I will not allow you to continue perpetrating XXXX  and manipulation with my credit. All your reports on my file are false and misleading. XXXX XXXX never contacted me by phone, mail, or by no means blatantly disregarding the Fair Debt Collection-Law, Federal Trade Commission 111-203, title X, 124 Stat.2092. 
Your agency has violated the FTC Fair Credit Law, 111-203, title X, 124 Stat.2092, sections 805-806-807-808-809. Plus, this same debt was attempted and placed on my report by ( Contract Callers ) ; I had to provide all necessary details/receipts before you removed it. Without investigation, you've put it back with another predatory credit collector. I offered/uploaded all the receipts verifying their claims, and the report was investigated by your same agency and cleared of my information. Still, you decided to report this same false claim with the XXXX XXXX XXXX. The same you have consistently done for XXXX XXXX XXXX, This agency has permanently changed the fake report amount they claim I owed. For twelve days of rent, from XXXX XXXX XXXX XXXX, they have held the inconsistencies on the amount owed, 1st reported {$900.00}, 2nd XXXX, then {$7900.00}. " What in the world '' is your agency 's justification for adding this report back on my information after the adjudication process proves it was false. The fact that they continue to change the amount is another gross violation. Please be advised that this issue of false reporting will be officially reported to my State attorney 's Office, District Court, CFPB, XXXX XXXX, etc.
Product: Vehicle loan or lease

I have tried with u all about this debt it comes back as accurate no it not I never took a car from them never did its name is Chrysler capital. Here Im asking u to take it off my three credits report bc its not my debt. I demand this debt out of my credit or else Im suing.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my Experian credit report that I would like removed
Product: Mortgage

Company is the worst company I have ever worked with. I provided my insurance multiple times, the keeps saying that I don't have insurance, and are now not applying my payments and charging late fees. I keep asking them to transfer my loan since they purchased it and have messed it up ever since. I would have never done a loan with them. Now they're saying my loan is in default, yet I have proof I have paid every payment and am not behind. They're just trying to scam me and charge bogus fees.
Product: Debt collection

I am filing this complaint against XXXX, XXXX, and TransUnion for their failure to remove fraudulent accounts from my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 605B. I have repeatedly informed the credit bureaus that I was a victim of the XXXX data breach, yet they continue to report accounts that do not belong to me. The following accounts must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being reported illegally and violate multiple federal laws, including : 15 U.S. Code 1692c Debt collectors can not report fraudulent accounts.

15 U.S. Code 1692g No validation was provided, yet these debts remain on my report.

15 U.S. Code 1681e ( b ) All reporting must be 100 % accurate across all bureaus.

15 U.S. Code 1635 Right of rescission applies to the charge-offs listed above.

Despite my repeated disputes, the credit bureaus have failed to properly investigate and remove these fraudulent accounts. This is a direct violation of my consumer rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I am demanding immediate removal of these accounts, as the law requires that fraudulent accounts be deleted within four ( 4 ) business days of notice. 

I request that the CFPB intervene and ensure that XXXX, XXXX, and TransUnion comply with federal law. If these accounts are not removed promptly, I will pursue legal action against all parties involved.
Product: Debt collection

An account was opened with progressive for auto insurance. The price was quoted and the policy was started. When the next payment was due the bill was for nearly double what it was supposed to have been due to some other information that was found on my driving record. No correspondence was made to let me know if this discrepancy and it was only after I received the bill that I found out and made the call to progressive myself to inquire. At which time I requested the policy to be stopped because of a misrepresentation of costs. Had they properly researched or communicated with me the discrepancy would have been caught early on before {$250.00} in unagreed upon charges were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old debt of mine still showing up on my Experian credit report as a derogatory account, however I have disputed this several times over the past two years and shown hard evidence of the account being settled satisfactorily.