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

I have been in contact with XXXX XXXX customer service support agent and requested that we communicate via email. She was given my permission to do so has my cell phone in being serviced. I also requested a modification of my payments for two reasons. 1. the unnecessary add one done by the salesperson at the time of purchase resulting in higher payments $ XXXX vs XXXX. Salesperson XXXX XXXX. And 2 Drivetime advertises modifications on its website so the consumer can keep the car. I proposed the latter and was informed I needed to go elsewhere to refinance. Drivetime advertises modifications am I being treated adversely because I filed a complaint? I am going to make another payment XXXX XXXX. Do I need to contact the Office of Civil Rights because I am being discriminated against? I have no cell phone currently I wish to communicate via email. Why is this so difficult? I have given permission.
Product: Checking or savings account

I have been locked out of my account and cant access my funds. I tied to reopen the access with the bank but they wont allow it. I have over XXXX $ I want to get bak and close the account
Product: Vehicle loan or lease

I believe Navy Federal Credit Union ( NFCU ) is discriminating against me based upon my age ( XXXX ) and / or is guilty of false advertising- specifically advertising a lower rate when they have no intention of honoring that rate ( bait and switch ). I have called XXXX times about this and XXXX  was told that they would call me back, which they did not and the third time was told there was no assistance they could provide. 

NFCU has a published lowest new car loan rate for XXXX month loans of 2.79 %. My wife and I applied for a loan for approximately {$37000.00} in midXXXX and were given 3.19 %. I enquired as to what was driving this rate and, citing proprietary risk models, NFCU would not tell me despite repeated requests. While I understand completely the need to protect proprietary risk models, I am at a loss as to why we would be denied the lowest rate. 

For reference, here is our approximate loan information : XXXX ) Credit scores : we both have excellent credit scores. 
- my NFCU published credit score was XXXX at the time of the application- my wife 's credit score was anywhere from XXXX - over XXXX at the time of the application, depending upon the source XXXX ) Yearly income : we have a combined yearly income of approximately {$280000.00}. That comes out to approximately $ XXXX XXXX ) Liabilities : the only major liabilities we have are : - mortgage/insurance/taxes - approximately $ XXXX - home equity loan - approximately $ XXXX Given the above, I can not fathom why we do not qualify for the lowest published rate.
Product: Checking or savings account

As instructed by XXXX XXXX  I requested {$43000.00} as a cashiers check to be sent to my new mailing address for my immediate use. They blocked my account PERMANENTLY without my authorization after I put a temporary block on it when I NOTED XXXX FRAUDULENT CHARGES WHEN THEY WERE IN PENDING CATEGORY. XXXX XXXX  did not like my initiative and has penalized me by freezing my account permanently. They have gone out of their way to make removing money, almost impossible. per their instructions I sent a letter signed and notarize to send {$43000.00} to my new address to use at my discretion. now they like to CAPITAL ONE that I no longer own that account of XXXX. This is an outright LIE by XXXX XXXX. 

CAPITAL ONE. I deposited the cashiers check on XX/XX/XXXX and expected immediate use XXXX hours later only {$30000.00} WAS DEPOSITED TO MY ACCOUNT. THEY HAVE ERRONEOUSLY HELD BACK {$12000.00} UNTIL XX/XX/XXXX, XXXX dictation I want this money immediately released today, Friday, XX/XX/year>. It is a fully 100 % guaranteed cashiers check iSSUED BY Santander bank.
Product: Credit card

On XX/XX/year>, I sent a letter requesting proof of debt for an account that had been disputed multiple times. Despite this request, I was contacted by XXXX XXXX XXXX XXXX on XX/XX/year>, and again on XX/XX/year>, regarding a matter for Capital One, XXXX. XXXX XXXX XXXX XXXX is a collection agency, and I visited their website to dispute the account once more. Following these interactions, the company closed out my account ; however, Capital One subsequently updated the status of the account on my credit report, changing it from a collections account to a derogatory account, and claimed that I owe {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF and COLLECTION accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove this charge off and collection, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Bank Statement as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Experian Bureau for their failure to properly investigate and correct inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

On XXXX submitted a dispute to Experian Bureau regarding a late payment reported on my XXXX XXXX, account number ending in XXXX. I have never missed a payment for this account and requested that the credit bureau either provide proof of the alleged late payment or correct the error to reflect on-time payments. 
Experian Bureau responded, stating that the late payment had been " verified. '' However, they failed to provide any documentation or proof of the alleged late payment, nor did they explain the steps they took to verify the information. This indicates a failure on their part to conduct a thorough and reasonable investigation as required by the FCRA. 
After receiving this unsatisfactory response, I contacted the credit bureau again to demand proper proof or the removal of the inaccurate late payment. To date, Experian Bureau has not provided any sufficient evidence to support the claim of a late payment, nor have they corrected the error on my credit report.

As this inaccurate information is negatively affecting my credit score, I am requesting the CFPB 's assistance in resolving this issue. Specifically, I am asking for : XXXX. A thorough re-investigation by Experian Bureau with clear documentation or proof of the alleged late payment, if such exists. 
XXXX. The immediate correction of my credit report if no evidence of a late payment can be provided. 
XXXX. Confirmation that Experian Bureau is following proper procedures for handling disputes in compliance with the FCRA. 
Please find attached copies of my previous correspondence with Experian Bureau, including the original dispute letter and their response. I would appreciate your help in ensuring that this matter is resolved fairly and that Experian Bureau is held accountable for their failure to follow federal guidelines.

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Had identity theft, along with proof of ID theft and proper filed government filings no charge offs were removed from all 3 credit bureau. XXXX Transunion and XXXX!!! There are 3 chare-off accounts that were considered fraud, XXXX XXXXXXXX XXXX XXXX  accounts and XXXX XXXX  XXXX account. Those 3 accounts were charged off. My identity theft reports were not recognized and honored by these credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

* Last month XXXX reported my score was XXXX to a Mortgage company that made my FICO Score lower than it should of been. 
*Credit Agencies allowed a XXXX account be relabeled to a personal account and called it revolving. 
* I have never had a XXXX credit score in my adult life. 
* Mortgage companies lowered raised my interest rates due to this credit adjustment. 
*My credit report is being fraudulently tampered with by placing fraudelent information and fraudulently reporting credit checks on my report. 
* I also have a derogatory credit reporting that I had a cable account just close in XXXX a couple months ago after living and working in texas the last last years * I was a whistle blower against the government were I exposed millions of tax payer dollars was being stolen. I have been retaliated against. The case just settled in XXXX.
Product: Debt collection

This was fraudulent. I was left an automated voicemail saying they were trying to resolve a civil dispute. I called the number. A woman asked me to verify my identity and I refused because I suspected it was a scam. She transferred me to a " XXXX XXXX, '' who informed me he worked for " XXXX XXXX '' and was attempting to collect a debt. He said it was on a Wells Fargo account that was closed out in XXXX. I told him I hadn't banked with Wells Fargo in seventeen years or so ( I realize now it's more like 14 years ). He said I owed over XXXX XXXX dollars and if I didn't pay I would be flagged and I wouldn't be able to use a debit card for five years. He tried to confirm my address. He read me two addresses, one from XXXX and one from XXXX. He also read me all nine digits of my social security number. He also said the last four digits of an account number ; i think it was the correct digits to my old XXXX Wells Fargo checking account but I can't be sure. I repeatedly asked him for a phone number to any government agency that could verify this was a legitimate debt collection. He wouldn't give me one, but said he'd send relevant info to my email if I gave him my email. I refused to give him any more information because it seemed like he was a fraudster. I continued to ask for the number of a government representative who could verify the legitimacy of the collection attempt. He refused to provide me this. 

I think a fraudulent criminal organization has my social security information as well as other personal details. I'm very concerned. Please help me. I looked online and found multiple people had the same experience ( company named XXXX XXXX attempting to collect on long closed bank accounts ( usually Wells Fargo ), sometimes via a representative named XXXX XXXX ). 

I froze my XXXX and XXXX credit ; I'm going to freeze XXXX next, but there's a holdup. I'm trying to get it done this afternoon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Nelnet accounts multiple times on my credit reports. They keep coming back as verified but they are still reporting inaccurate information. The most noticeable error being that it goes from current to 90 days past due from one month to the following month. It's impossible to be current one month but then 90 days past due the following month. In addition to that, these accounts first went past due prior to XXXX of 2016 so no longer should be reporting on my credit report anyway. The information reported to each bureau is also different. How can the information be different, but still accurate?
Product: Debt collection

I have a collection which was a moving out balance from XXXX XXXX XXXX XXXX in XXXX XXXX. But after I checked with the apartment, they found some mistake and cleared that balance. I do n't know why I still have this record with National Credit Systems. I called them many times and provided them the proof of the cleared balance but they still did n't get my record cleared!
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite my detailed notifications listing specific accounts and citing violations under FCRA 623 ( a ) ( b ), 605 ( c ), and FDCPA 809 ( b ), the agencies have failed to respond within the mandated 30-day period. They have neglected to mark the disputed accounts as such under FCRA guidelines, and have inaccurately reported the date of last activity on these accounts, which does not reflect the actual last payment date. Additionally, they have failed to provide adequate validation for a collection account, as required under FDCPA 809 ( b ) per FTC guidelines. Copies of all correspondence sent to the agencies are attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM financial reported my car payment late over 30 days in XX/XX/2019 and XX/XX/2019. This is inaccurate! I Paid before the payment was 30 days past due and it indicates on the GM payment history on their web site the payment aaa processed before 30 days. In fact the money was taken from my bank account. They wont correct the error. They reported that I was late for these two months and I was not! They must correct their error.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I disputed a collection account that was reported inaccurately. on XX/XX/year> the credit reporting agency responded that it was verified as accurate. I did not receive the method of verification and this account is still reporting incorrectly. It is a collection account showing with a past due balance. It is also with a company they I have not had any contract with.
Product: Credit reporting or other personal consumer reports

XXXX. CRA Failed to follow reasonable procedures for ensuring accuracy of the consumer 's information. 15 USC 1681 e ( b ) 2. CRA Failed to properly investigate or reinvestigate a consumer 's dispute 15 USC 1681i ( a ) ( 1 ) ( A ), and 15 USC 1681S-2 ( b ) 3. CRA Issued or obtained a consumer report for an impermissible purpose 15 USC 1681 b, invasion of privacy. See 15 USC 1681 A [ 4 ], right to privacy, 15 USC 1692 right to individual privacy protected by the Privacy Act of 1974. 
4. CRA Failed to acknowledge15 USC 1666 B failing to disclose requested documentation 5. CRA Failed to acknowledge the Exclusion section of 15 USC 1681 a 2 which states that transactions and experiences shall not be reported which are late-payments and hard inquires 6. Under the Fair Credit Reporting Act and according to 15 USC 1681 C 2 ( N ), the XXXX should have blocked this information from my credit report within XXXX days. Please see Attached " Description of XXXX ''
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all the listed accounts to be blocked and deleted. Please delete the following accounts : XXXX XXXXXXXX ( Account # XXXX ) Balance {$230.00}, XXXX XXXX  ( Account # XXXX ) Balance {$0.00}, XXXX XXXX ( Account XXXX XXXX ) Balance {$120.00}, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ) Balance {$950.00}, XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX Balance {$15000.00}. Please delete the following inquiries XXXX XXXX, XXXX, XXXX XXXX  XXXX, & XXXX XXXX. Please delete the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account NumberXXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Ticket # XXXX OnXX/XX/2018 I applied for a credit card through XXXX XXXX  XXXX XXXX XXXX  and purchased a XXXX  phone ( XXXX XXXX ), case and screen protector. The cost of this purchase was {$770.00}. I was given a temporary card number ending XXXX. On XX/XX/2018 I returned the phone to XXXX  who insured me the credit will reverse the charges. Early XX/XX/2018 I received a credit alert that my credit was affected and I had an outstanding balance on card ending XXXX.

I went to the XXXX   XXXX # XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX, CO XX/XX/2018. I was given another promise that this charge will be reversed and my account will be closed per my request. The XXXX  representative at the time spoke with a representative at XXXX XXXX who stated this issue would be resolved within 30 days. XX/XX/XXXXI received another credit alert that my credit score dropped again affecting my ability to get a small loan. Again the XXXX representative called a representative for XXXX XXXX XXXX XXXX XXXX  and was given more information about what the issue possibly is.

The XXXX XXXX  representative stated the credit to revers charges was put against the temporary card ending XXXX and not the permanent card ending XXXX. This is an internal error and is causing me great credit grief as well as it is time consuming disputing charges that both XXXX and XXXX XXXX have documentation for. I was told on XX/XX/2018 this issue would be reversed, my account would be closed and they would be in touch with me with a letter confirming closure.

To this date XX/XX/2018, I have not received a confirmation ticket # XXXX was resolved. I called and spoke to a representative who told me this ticket is still open and I owe {$340.00} on a {$940.00} bill. This is unacceptable and damaging to my credit rating.

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

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$690.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX   XXXX {$10.00} XXXX XXXX XXXX XXXX {$6200.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$170.00} XXXX  XXXX XXXX {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Accelerated Financial was taking off my credit report from XX/XX/2022 to XX/XX/2022. They stopping reporting on my credit report and should not be reported again. Once the same Creditor stopped reporting an account it can not be reported again based on the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2016 Balance : {$700.00} Credit Reporting Agencies are illegally and inaccurately reporting these accounts on my consumer reports. They are negatively affecting my financial and personal life. I need XXXX, Transunion, and XXXX to remove these accounts from my consumer report and correct my score according to the corrections made.
Product: Credit reporting or other personal consumer reports

Amazon has said multiple times they are reporting my card information to XXXX which they are not. XXXX just confirmed via the attached proof that Amazon is not reporting to them.