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

Good evening. 

I purchased a vehicle in XXXX of 2015. The finance company is Credit Acceptance Corporation. 

The original price of the vehicle was {$6400.00}. I put down {$3000.00} After providing my downpayment, as I went to sign my finance papers, I was informed that XXXX adds an extra {$2000.00} onto the price of the vehicle for their " lending service fee ''. Then, on top of that, since it made the loan more than what the vehicle is worth ... I was required to pay them a MANDATORY GAP insurance payment that was included in my monthly payment. 

Now, I understand that a higher finance rate is acceptable when starting over to rebuild your credit. But I have since found out that XXXX has been sued and found guilty in many states due to their " lending fee '' as it is considered predatory lending. Not to mention, GAP insurance is voluntary. I would not have even needed it if not for their {$2000.00} " lending fee ''.
Product: Checking or savings account

On XX/XX/year> I Deposited {$2500.00} into a friends account with them present in the parking lot via the atm machine. The money was to be used to send a XXXX to XXXX money transfer and would be returned.upon arrival at the location the money was never sent due to machines being down. The money was then transferred back into my Navy Federal Business Account. About a week later Im informed there was fraud and my money was removed from my account and never returned. I submit and affidavit of forgery explaining this but the bank still refuses to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated that there is an unauthorized third party in my last complaint and that they needed authorization, Transunion be advised that this account that I have with CFPB is my account that me and my wife XXXX XXXX use together, in my complaint I uploaded a copy of my drivers license and a copy of my social security card, therefore I really don't understand why you said authorization is needed, this is XXXX XXXX and this is mines and my wife XXXX XXXX 's account! You are authorized! Now let 's try this again, PLEASE RESPOND TO MY COMPLAINT BELOW! 

Transunion has Violated the FCRA by not properly verifying to me how they obtained the Bankruptcy information on my Credit Report. Transunion sent me a response letter indicating that the Bankruptcy was Verified as Accurate, In the letter, they listed the Court name address and phone number, which indicates they XXXX be trying to say that they have confirmed through them that the Bankruptcy is Accurate. The FCRA under XXXX and XXXX XXXX says, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the XXXX XXXX Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. The only problem with Transunion XXXX XXXX is, I sent the Court a letter asking if they provide Consumer Bankruptcy information to third parties, such as Credit Bureaus, XXXX XXXX, and the Court sent me a returned letter confirming that THEY DO NOT PROVIDE Bankruptcy information to any third parties, such as Credit Reporting Agencies, therefore, this Bankruptcy is INACCURATE and UNVERIFIABLE and must be deleted! If Transunion says that they did not say they obtained the information from the Courts, they are still in XXXX, because they failed to give me the name, address and phone number of their Furnisher in compliance with the FCRA. All Documents uploaded and attached for proof and verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32ps. I emailed Credit Karma right away when I first saw my credit score had dropped. Credit Karma and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, XXXX, and I visited XXXX still no one could tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at did not apply to me. One factor was incorrect they said I have only had credit for 2 yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for not securing my accounts against fraud.
Product: Credit card

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i was charged by a company located in XXXX XXXX. I Live XXXX of miles away. Each of those 3 unauthorized transactions were {$680.00}. Totaling to {$2000.00}. I tried disputing with my Bank, AMERICAN EXPRESS but they closed my dispute on the reason that they believe i did make those transactions.
Product: Credit reporting or other personal consumer reports

I have already filed a dispute with Equifax about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter and there response to just update instead of delete the account.
Product: Credit card or prepaid card

XXXX closed my 2 credit cards without letting me know and they would not provide me any additional information except a generic statement. I tried calling them and talking to a manager to find out but they were no help. I have over {$600.00} in rewards points on my Barclay Arrival+ credit card and they would not let me have my points. I would like to kindly request that Barclay provides my money back to me or I will have to take this to court and fight this battle. According to their terms, all points earned on cashback are mine and they should not take my money from me that I earned and paid my bill on time for over a year. This is a terrible way for them to treat their long standing customer. I will make sure to share my experience everywhere possible because there are several other issuers that people can bank with. Not someone who steals money from their customers. They should be ashamed of themselves for stealing {$600.00} fro m their customer especially during COVID-19 when all of us need extra money possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in XXXX AND XXXX to be removed. 

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 payment 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. 

XXXX  XXXX 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! 

Delete the late payments from my consumer reports
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with XXXX XXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The bankruptcy Bankruptcy : Discharged CH-XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get all 3 credit reports and was denied by XXXX because of dispute ongoing. The other 2 said to check back in a year and i didnt receive reports. Im XXXX and want to correct my debts. But found many mistakes on XXXX report thru XXXX   XXXX.please help me to view reports online free.Tried to dispute with XXXX but told dispute not found.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # t : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning Consumer report immediately! Ive attached a copy of the report to the request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SOME LATE PAYMENTS ON AN ACCOUNTS THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX ) ( XXXX ) ( NAME : XXXX ) ( NUMBER : XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Product: Credit reporting or other personal consumer reports

Credit Acceptance continues to attack my credit rating even though it is past the statute of limitations in NJ.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a formal complaint to Trans Union on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX bankruptcy from my account due to the fact that it was not mine.

I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred.

I have included a copy of the second letter along with the receipt of the certified letter that was sent to Trans Union.

If you have any questions, I am free to discuss this situation.

Thank you in advance for you assistance. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried the Experian paid account. I do not want it. Instead of it being cancelled, they keep trying to charge me. I can no longer cancel it as I can not get past the portion of the website for my credit card. It is extremely frustrating. I want to cancel and I can not even get someone on the phone from their automated service. I ask for a representative and it wont let me get someone!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX   XX/XX/XXXX 6. XXXX  / XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies 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 that 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
Product: Credit reporting or other personal consumer reports

On XXXX discrepancy from Mohela ( student loan ) appeared on my credit. Ive never applied for one.the amounts are for {$3000.00} & {$1700.00} Ive tried disputing it and was rejected thru XXXX XXXX. The contact number for the company sounds like a pre-recorded message/machine, con not get a hold of anyone. Just gives option for medical-aid and/or supplies. I have my credit on freeze and all whats in there is correct except this. Any help would greatly be appreciated..thank you!!!
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Items to Dispute Personal Information Also Known As : 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: Student loan

A. They gave me {$9000.00} that I didn't need and charged me fees to return their money. 
B. After assuring me that it will not happen again, they have me another {$2900.00} which again they charged me interest and processing fee. 
C. Even though I paid them full they kept charging me interest and claimed they were changing platforms D. I paid them full last week and even though I paid in full, they still charging me interest. 
E. Keep me on the phone for hours and don't respond to my complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I initiated a dispute to the 3 main credit reporting bureaus, XXXX, Equifax, and XXXX  for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + All Banks XXXX  XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX : XXXX XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX : XXXX XXXX, XXXX i never received card from these companys so they should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contacted Bankruptcy court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties. Therefore I conclude that credit bureau falsified response when stated that they verified information on my credit report and it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I ordered two items XX/XX/XXXX on Saks off 5Th online. I never received the items, I called Saks Off 5th to inform them that I didnt receive the two items and they were going to ship the items to me but they did not have them in the size I needed them in, so I was told that my card would be credited back for the items. I received an email on XX/XX/XXXX that I will receive the credit to my account and it show up in 10 business days. I thought the issue was resolved until I received a bill in XX/XX/XXXX, I called in XXXX and was told that it was taken care of. I started receiving collection calls about it so I called again in XX/XX/XXXX anXXXX XXXX  more times in XXXX, each time I was told it would be taken care of. I got a bill in XXXX which lead to another phone call and to me filing this complaint. This company has reported negatively on my credit and Im extremely disappointed. I call and Im placed on hold for hours for them to be dishonest with me. I offered to forward them a copy of the email but they give me email addresses that cant receive emails. At this point Im ready to take action against their predatory actions.
Product: Debt collection

A collection was reported on my consumer reports which was done in error. A complaint was filed with CFPB and the debt collection agency stated that would delete credit reporting, to which this has not been done. the Collection agency has in fact updated reporting which affected my consumer score even more. I am asking that this collection be removed from my reports immediately, I have not spoken to or communicated with this company I have not received any certified correspondence from this company despite them saying I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with experian of an account form state recovery system for {$510.00} that was found out not to be reporting accurately. The debt was never properly validated and was found to have been a bad account. As a result, both equifax and transition promptly removed the bad account form my credit report. However, Experian ha shad the account dispute for 2 months now and the account still shows on my credit report as under dispute. I have tried reaching out to them with no response received back.
Product: Debt collection

Diversified Consultants Inc. purposely reported to all 3 credit bureaus a negative debt of {$280.00}, as a collection. I have never been notified by the origin creditor XXXX XXXX or Diversified Consultants Inc. Reason being ... my account was paid in full when I switched service providers. I purchased a new home and neither company had my new address ... I never received any forwarded mail from either and Diversified Consultants Inc cant provide me with any returned mail they may have got ( and they didnt ) They only learned of my New Address when I wrote them Disputing the negative credit mark on my report. I sent them a certified letter on or around the XXXX of XX/XX/2019 ... crying foul of them not giving me a chance to dispute and challenge their assumption. Today XXXX XX/XX/2019, I received my first letter from DCI. They are doing things in reverse order and have cause me great problems. I ask you to look into this violation and have them remove the negative entries on all 3 credit reports. I am sending you the very first letter I received from them and my certified letter which I mailed once I was notified that they purposely reported a Collection on my credit. They have deliberately violated the rules of the FCA and my RIGHTS as a consumer. Anything less than a complete deletion is really a travesty and I will pursue legal action.