23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The realtor has terminated the contract for the XXXX XXXX XXXX IL house. Due to the lender being unable to finalize the loan. XXXX I have to say that I am disappointed in the unprofessional, chaotic way in which this loan was handled. Documents sent, never seem to be put in the correct file. There was a cancellation of file # XXXX that held documents not transferred to the new # XXXX file. Resulting in missing information, or miscommunication of documentation already sent. Then the Appraisal was done when there should have been a recount of documentation first. Causing me to loose my XXXX XXXX dollars towards the purchase, of what looks like a loan that was doomed to be denied. Shouldn't have the XXXX been determined during precertification? Resulting in a waste of time for the Seller, Realtors, and myself.
Product: Vehicle loan or lease

Charge off for Student loans. For school I didnt attend. XXXX on Nebraska and I only attended XXXX state was told I went to foreberance but my loans show regression on my score major
Product: Debt collection

I was a past XXXX Customer and did not like the service. The salesman who knocked on my door said if he got my business, the company will give me a {$200.00} gift card. 

I have financed the outdated material they gave me for {$600.00}, now they sent me a collection notice of {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX 9 and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also XXXX keeps reporting XXXX credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from my credit report
Product: Credit reporting or other personal consumer reports

I have been dealing with Experian for over a year now about accounts that don't belong to me. I have called and mailed letters repeatedly. They sent me a notice claiming they didn't think I was sending my letter even though I called them and they told me to mail them all the documentation. In the notice they say to use Experian.com/upload, but it keeps refreshing after I submit my documents. This is absolutely outrageous and Experian should be held accountable for putting people like myself through unesscessary and rigorous hoops to remove fraudulent accounts. They're as bad as the identity theft criminals. They're a complete and total scam and they refuse to help.
Product: Checking or savings account

On the date XX/XX/XXXX a total of {$490.00} at XXXX was stolen out of my Cash App card I was told multiple time that I will get help never got help they denied and closed my claim with no explanation. Very hurtful that was my carnote money not Im at risk of losing a whole car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I need them delete this unauthorized inquiries off my credit report. 

You can't go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers " Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX ) and others who furnish third party disputes free of charge, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION Citimortgage is reporting from XX/XX/17 through XX/XX/17 that I was up to XXXX days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed Citimortgage Modification Office, my trail period was extended a few times. Citi provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX  account ending in # XXXX, ONEMAIN FINANCIAL dated XX/XX/XXXX, and ONEMAIN FINANCIAL dated XX/XX/XXXX. XXXX XXXX dated XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Most account numbers weren't included in my credit report. 

15 U.S.C. 1681, Section 604, Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 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 under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I am XXXX XXXX writing a complain about Chase bank regarding my Chase Freedom Unlimited credit card with them ive fell on extreme hardship and i need some relieve.when i tried to contact chase card services they 've refereed/transferred me to a credit counseling services, but i was n't looking for that.i have a balance of about XXXX XXXX on it right now and i was looking for chase to postpone my payments for about 1-2 years with not reporting me to the credit reporting agencies. Thats how long it will take me to save up the money.I have talked to XXXX XXXX and he suggested to file a complain if they dont do anything.Im on the verge of fling for chapter XXXX bankruptcy and credit counseling services is not an option because im working on getting my credit file restored that would look bad on it.
Product: Student loan

I have been on XXXX for almost 3 years now and been trying to get my XXXX XXXX  taken off and they are making it really difficult for me to do so or they keep telling me different things and I am so frustrated and it is affecting my mental health and need someone to take care of this situation
Product: Debt collection

I received an email from TrueAccord saying they were trying to collect a debt of {$150.00} for XXXX for a radiator service. 

I never had any work done on my car by XXXX. 

I called and spoke with them and they said there is no debt with them. I never authorized any charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy. 
15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions. 
15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 
15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX and got a loan threw Santander with an extreme bought interest rate 26 percent. The car had XXXX mille on it when I purchased it at XXXX miles the motor looked up and I had to have a replacement. The notes were XXXX $ a month even though The car did not work i still paid. After i had The motor replaced XXXX miles later the car transmission went out. I was still paying never late. When the transmission went out i gave up and let XXXX have it back i am a single parent, with a non running vehicle i was paying an outragious note on. I turned the vehicle in and quit paying. 
Santander knew i could not afford the vehicle yet they knew i was disperate and sold to me at high interest which should be illegal. I would like the XXXX $ on my credit for the lemon taken off please. I would of kept paying on it if it ran, or Santander would of lowered my interest rate. 
Please take this into consideration. Santander is committing price gouging when it comes to people who they know can not afford there interest. XXXX, disperate people who need transpertaion. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit card

I do not believe the debt reported is valid. A card was opened and closed with in days.
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer report from XXXX XXXX XXXX  and I have received copies of my XXXX, XXXX, equifax consumer reports and they have not done as I have said as a federally protected consumer and I need you to go after these cra 's and get them to provide the written consent that i authorized these reportings. I have a right to privacy and I have a right to safety, and I have been violated and each unauthorized reportings are in violation of the FCRA. 
There's several inaccurate marks that are damaging my name, I am being damaged daily and these violations because each violation is XXXX per remark. This is causing me sever trauma and a lifetime of damage for pain and suffering. It is illegal to report transactions that are not approved and with my written consent. I appreciate you for stepping in and making sure these agencies are following the law and they MUST compensate me for this abuse and violations of my private information. Pain/ suffering is also a fee that they will need to compensate me for. 

I have attached the report that shows all the inquiries that must have a written consent for every single reporting. 15 usc 1681 FCRA : 1974 privacy act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

XX/XX/XXXX - Paid a {$200.00} deposit for a secured credit card ( email available ) XX/XX/XXXX - After prompt payments and adherence to terms, notification received that ( per terms ) I would be receiving my {$200.00} deposit back. Credit card was switched to an unsecured credit card and credit line increased to {$500.00}. 
XX/XX/XXXX- Discover was first notified that I had not received my deposit back. They would not provide a tracking number, but assured me it had been sent on XX/XX/XXXX. Never received. I instructed them to put a stop payment on the check ( if it had been sent, but I don't believe it was ) and re-issue. I was told I'd receive the new check in 30 days. ( XXXX spent : XXXX minutes ) XX/XX/XXXX - Discover notified a second time that I had never received my deposit back. I was asked for my checking account number and routing number, then was told " I have submitted this info to my supervisor and you will receive the ACH refund within XXXX business days after the request is processed. '' I was told they could not provide me with an email confirmation, to which I replied that I'd save the chat log as evidence. They advised that they also save chat logs for 13 months, so my entire chat history should be available to you upon request. ( Time spent : 1 hour 9 minutes ) XX/XX/XXXX - Asked for confirmation that the ACH was processed. No response. ( Time spent : 3 minutes ) XX/XX/XXXX - Asked for confirmation that the ACH was processed. No response. ( Time spent : 3 minutes ) XX/XX/XXXX - Deposit still not received. Paid entire balance due today and notified Discover that I would be filing a complaint after unsuccessful attempts at resolving the matter with them directly and a year having gone by.
Product: Debt collection

An account with KIA MOTORS FINANCIAL is showing on my credit report for an account I had with XXXX. I sent letters certified mail to both of these dealerships. XXXX responded and sent me the check proof they sent to KIA MOTORS FINANCIAL that was CASHED by them on MY BEHALF for MY ACCOUNT. ACCOUNT NUMBER XXXX which you can see on the check and on my credit report which is attached. KIA MOTORS has been very negligent and has failed to respond or remove this inaccurate account from my credit report. They sent this account to collections hurting my consumer profile which hurt my ability to get credit elsewhere for THEIR NEGLIGENCE. I requested the account record of all transactions and proof that this company did not receive the check and have no received anything for the past year. They are committing fraud by reporting this information. Please investigate this and remove it from my credit report immediately I have attached all the proof. My credit report, the CASHED check along with my identifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C 1681 requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, and relevancy. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : *** Identity Theft- XXXX- Account Number : XXXX *** Identity Theft-XXXX-Account Number : XXXX *** Identity Theft-XXXX- Account Number : XXXX *** Identity Theft-XXXX XXXX XXXX-Account Number : XXXX *** Identity Theft-XXXX XXXX-Account Number : XXXX *** Identity Theft-DP OF EDUC-Account Number : XXXX 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 further states that a consumer reporting agency can not furnish an account without my written instructions or consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : States that 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 ) States that 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: Debt collection

Designed Receivable Solution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX has placed XXXX collections on my XXXX credit file, one under the amount of {$500.00} in the amount of {$130.00}. Two others that are a duplicate of what's already been reported on my credit file. They are just different amounts. This company never sent me any communication stating that I owe them for any new collections. This action has caused my credit score to decrease XXXX points.
Product: Debt collection

I received several calls from a company name legal support services, I then Received a voice mail stating that I needed to be home to sign for a legal letter, a phone number was left from the phone number XXXX to call XXXX if I needed to reschedule the delivery of these documents. Curious to what these documents were, I called the XXXX number. Someone named XXXX answered the phone, and said she worked for the legal support services for Chase. She informed me that the documents being sent were a notice of legal action taken against me by Chase for a credit card from 2004 that I had no memory of. I told her that I would not be home to accept these documents. She then informed me that if I am not home at the time of delivery, they would send someone to my job to deliver these documents about a court case that is now pending against me. She then said that they were also going to take garnishments from my wages. Still unclear of this credit card she is referring to, I began to ask questions in which she responded that she is not obligated to disclose this info. She could only tell me that I was going to have to pay the credit balance of XXXX XXXX and something dollars, in addition to court and legal fees. She then placed me on hold, came back to the phone and said Chase was willing to settle this credit card debt for the amount of {$990.00} if I can agree to pay it in full. If I agreed to pay the {$990.00}, the legal documents that I had to sign for would not be sent, no one would come to my job, and no garnishments would be taken, and I would not have to appear in court or have any legal actions taken against me. Scared from all of the threats, I agreed to pay the {$990.00} over the phone, even though I have no memory of a Chase card from 2004. She then gave me a confirmation number XXXX and said I would now receive documents in the mail, with all the details of our transactions, and a letter of XXXX balance that I would have to reference if I get called again. I have yet to receive anything in the mail. I just received my statement from the bank and noticed that the description for that payment says XXXX XXXX XXXX, a company I never heard of, again they told me they were legal support services for Chase. Please assist. I believe I was scammed, fool, tricked, and misled and forced to pay something that I did n't have to, but was forced out of fear.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I wrote to Experian requesting that they remove an account that was reporting twice on my credit report creating a duplicate. Their investigation concluded without removing the duplicate account. XXXX  XXXX is listed on my credit file twice. Once as the original creditor and again as XXXX XXXX XXXX  XXXX. This is UNFAIR. The balance was paid in full directly to XXXX XXXX and Experian is violating my rights by continuing to report an open balance for the SAME account under a different name. I mailed my complaint with documentation that the account is paid in full and Experian refuses to properly investigate this matter. I am attaching related documents and pleading for your assistance in holding the Experian responsible for Fair Credit Reporting.
Product: Credit reporting or other personal consumer reports

The listed late payments are inconsistent with my usual payment history.
Product: Debt collection

Contacted them many times but they are not picking the calls and not responding to my voicemails.
Product: Credit reporting or other personal consumer reports

My student loan account has been reporting inaccurately on my credit report. The FCRA requires that all 3 major credit bureaus should match. However, XXXX shows not current and no on time payments made XXXX of XXXX, XXXX shows payment made on time in XXXX of XXXX. The dates of activity are different also, and the new loan service provider has informed me on a recorded line that the account is not in default, however they sent me information regarding the account being in default. Also, the amount due XX/XX/XXXX of XXXX emailed to me was {$760.00}, the amount due XX/XX/XXXX of XXXX emailed to me was {$310.00}, so the amount went down by $ XXXX??????????
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account,