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

According to FCRA 605B, I believe we need to remove any erroneous accounts from my credit report. Could you review the documents? Several accounts listed have inaccuracies in reporting, amounts, and dates.
Product: Payday loan, title loan, or personal loan

I informed them that I am unable to pay back the amount at the moment and I can no longer receive personal calls at my place of employment and they continue to call me at work and are jeopardizing my employment. On XX/XX/2019 at XXXX XXXX  they called my place of employment and asked to speak to my immediate supervisor.
Product: Credit reporting or other personal consumer reports

disputes CREDIT ACCEPTANCE CORPOR Submitted on XX/XX/year> Changed but never deleted anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance owed incorrect . Total loss paid Personal Name reported XXXX XXXX XXXX XXXX XXXX XXXX All reports XXXX XXXX XXXX Montgomery- XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I cant understand why theyre there. I do my usual checks, but today I was confronted with errors that came out of nowhere. I even refreshed my browser, thinking it might be a technical issue, but the inaccuracies didnt disappear. This has been really upsetting, and Im requesting that the documents Ive submitted be thoroughly reviewed so I can finally stop worrying about this.
Product: Vehicle loan or lease

Vehicle leased through GM Financial, 48 month lease matured on XX/XX/2021. The lease was paid in full in XX/XX/2021. Vehicle was traded into XXXX XXXX XXXX on XX/XX/2021. Sitting in the dealership I called GM Financial to obtain the payout and the transaction was finalized. 
When the check for the buyout was sent to GM Financial they refused it and kept returning it XXXX XXXX XXXX XXXX XXXX XXXX This was between GM Financial and XXXX XXXX having noting to do with me, my account to GM Financial was paid in full and closed. 
GM Financial took 3 months to finalize the paperwork with XXXX XXXX and in the meantime kept " extending '' the original lease. This was not requested, authorized or even necessary as I had already purchased another vehicle and the old vehicle was accepted as a trade in and payout provided. GM Financial extended the Lease by 3 months and each month kept reporting the payment as past due. reported past due. 
I tried on multiple occasions to have this corrected and GM finical instated that the past due amount was correct it is not. GM Financial has since processed the paperwork and finalized the buyout, I have received notification of same yet they are still refusing to remove the late payments from my credit history.

This has had a significantly impact on my credit scope, it has reduced my score by 97 points, which has in turn put a bad mark on my credit worthiness and creditors have decreased my credit limit reducing my score even more. I want these late payments removed from my history, as it is false information reported.
Product: Debt collection

Phoenix Financial Services in Indiana is laying claim to a debt that does not belong to me. The account was opened on XX/XX/2023. I did not open this account. This is fraud. They have not given me a letter of debt verification or contacted me in any way. This debt collection company is claiming fraudulent debt against my name and it is causing financial harm to me and my family.
Product: Checking or savings account

Went to the branch to withdraw cash because i lost my wallet with everything in it cards and drivers license so i have a screenshot of my new drivers license on my phone because i had a paper in my wallet that i lost. And XXXX employees denied me service after I explained them what had happened even told them i had a police report and that also huntington bank had told me as was able to get cash at a branch and still got denied by XXXX employees
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud charges and the responsible company for this incident is BARCLAYS BANK DELAWARE Account # XXXX, date open XX/XX/2014. Around 2 years back I went to XXXX for vacations. I rented a car in XXXX XXXX. The car had an accident and the insurance paid for it but the rental company ( XXXX ) still charged my cc from Barclays Bank. I disputed with Barclays bank the incident and Barclays Bank did reverse the charge but did not removed the fraudulent related account from my reports. So Im reporting this incident to the Consumer financial protection Bureau so that Barclays Bank removes the fraud related account from all 3 reports. Im attaching police report and Federal Trade Commission reports. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed bankruptcy on XX/XX/XXXX but is showing up on Experian credit report as filed on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to ll three credit reporting agencies for the removal of unauthorized credit inquiries on my credit report. My latest credit report shows 4 credit inquiries that I did not authorize and/or an unauthorized duplicate inquiry. Below are the disputed the inquiries and I ask for their removal from my credit report. 
Creditor Date Comment XXXX XXXX  XX/XX/XXXX did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XX/XX/XXXX duplicate inquiry ( unauthorized ) XXXX XXXX  XX/XX/XXXX did not authorize XXXX XX/XX/XXXX did not authorize My letter was sent over a month ago yet these items still apprear on my report. I need your assistance to get these items removed.
Product: Mortgage

XXXX XXXX of Cross Country Mortgage through manipulation and predatory harassment demanded {$130000.00} down for a {$300000.00} property joining with XXXX XXXX to simply force me into a property that I had already declined 7 times. Through constant texts phone calls they kept me with promises " But it is the reverse floor plan of the one you really want ''. " We will do a cash back since after 6 months of payments " to help you since down payment is high then you can trade in the stock market? " After 6 months XXXX XXXX refused deal and said " sorry " Never heard from him again Recently XXXX had slammed me in an unprofessional response to me story with no fault on him really and I forgave the whole thing. He said defensively " I could have sold it for profit today '' and he did not own up to renegging on the deal. He sounded defensive and " buyer sucker beware ''. When I met XXXX and XXXX, I had {$160000.00} and high XXXX early XXXX credit a paid off XXXX only XXXX miles and a future. After meeting XXXX and his deal, I am XXXX in debt will be on payment plans until I am in my XXXX, went homeless in XXXX, and own one duffle bag of clothes unable to even RENT today. I have now a small checking account owned by 19 collection accounts. 

I want a FULL investigation on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cross Country Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( all things broke down including hot water furnace etc, within 2 years ) I will need to provide docs later as it needs to be procured. 
XXXX XXXX
Product: Credit card or prepaid card

After the 5th largest hurricane to hit the U.S. happened, I attempted to pay my XXXX card on line, but we didn't have power and it was dark. Stupidly, I continued. 

In error, I made a {$200.00} payment to my Old Navy MasterCard, currently serviced by Barclay 's Bank. The funds were sent via ACH to Barclays, received XXXX XXXX, and posted XXXX XXXX. 

It is important to note that there is no balance on this card, and hadn't been for some time. 

I called Barclays Bank on XX/XX/XXXX and XXXX, but was told I had to wait until the payment posted. Fair enough.

I called today, the 6th, and confirmed my account now reflected a credit balance equal to my payment. 

I spoke to a representative and a supervisor to ask for my money back. I have now been told I can not even begin the refund process until XX/XX/XXXX, which will then take days to process, and then up to ten days mailing time. This is their priced to allow the payment " to clear. '' I explained it was an electronic payment, there is no clearing, and that they have the funds. I further explained my bank advised me that they can not recall the payment and referred me to Barclays Bank for a refund of this payment. 

I further advised that due to the hurricane, we really couldn't wait for our funds because cash had been used due to many merchants ' systems being unavailable after Ian. Having my money back might be the difference between out family eating next week or not - but even this did not move them.
Product: Checking or savings account

I opened my personal email today. And the title of that email from XXXX XXXX was : on or about XX/XX/XXXX you received a deposit for {$1600.00} on your checking account I opened my email and to my surprise I noticed that Wells Fargo without my AUTHORIZATION OR REQUEST disclosed to a third party all the account activity ALL DEPOSITS and ALL CHARGES since the account was opened. 
I spoke to Wells Fargo 6 times today and no one was able to explain how that could have happened. This is a gross violation of my privacy. I feel my data is totally insecure if Wells Fargo can be so careless. 
The complain reference I was provided by Wells Fargo is : XXXX
Product: Debt collection

I took out a payday loan with XXXX XXXX during the Covid pandemic. I could not continue to pay it off with the high interest and high payments. The interest they charge is far above allowable usury so I am not sure how this even happens? How do I know after making payments for as long as I did is the balance higher than the original loan amount? XXXX XXXX sold this debt to Global Asset Agency. These people have called me, my mother and my sister and threatened to come arrest me at work. They have sent several messages about pending legal action, warrants, and asking my address to come arrest me. They have also sent several emails saying there was a warrant out for me and even used a lawfirm paper head saying i had an active case. I called the lawfirm and learned that was a lie and that these people were representing themselves using the name of a big law firm to intimidate me. Now I see that Global Asset Agency has reported this on my credit report. When will this harassment end? This cant be Ok!
Product: Mortgage

First Mortgage Company sold our existing loan to XXXX, however, when they sent a check to represent our escrow account balance to XXXX they only sent a check for {$3600.00}, yet our escrow account had {$3900.00}, that 's a {$310.00} difference. I have tried contacting the company but I can not get a hold of anyone and I have grown increasingly concerned.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account reported on my consumer report. The account is currently listed by XXXX XXXX XXXX XXXX. 
I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt collectors must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I applied for a credit card with INDIGO which was advertised on XXXX XXXX and they denied me credit immediately and also ran my credit with XXXX and it showed up on my XXXX account and XXXX XXXX, meaning they got paid and I received no benefit from them and that is discrimination, fraud, unauthorized use of a credit card and identity theft and that's all codified in 15 USC 1691C, 1692K, 1642, 1681m, 12 CFR 1002 and others. Then they had the nerve to email me demanding copies of my picture identification, drivers license, passport and utility bills.
Product: Checking or savings account

I call the first time, and the young lady didnt get any information told me they would close it eventually without any kind of confirmation. Called a second time after I received a debit card that I did not apply for requested to talk to Merrill Lynch once again the second person got information told me I would have to go into a bank branch since I would not give my Social Security number and birthdate. I went into bank and they close the account with debit card, but was not be able to contact Merrill Lynch, but they had started an investigation apparently. The associate and bank manager put notes in requesting they close the Merrill Lynch account self-directed account. I have not received anything cents in the mail. I dont understand how you can issue account in debit cards, but cant send a letter stating it was closed in the same manner as they open the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.
Product: Mortgage

I faxed an MIP Cancellation Request to Nationstar Mortgage on XXXX XXXX, 2015. I have been trying to call to confirm they have received the fax. I am unable to reach anyone in the company. I have called several times only to get automated transfers that consistently ask me for my personal information, only to hang up on me. I can not reach anyone in the Corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.
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 3 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. I have a charged off account from Exeter Finance LLC XXXX XXXX XXXX XXXX, TX XXXX. Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, such as a valid application or an account review. I assert that there is no permissible purpose for the reporting of this charged-off account under my credit profile. Therefore, I demand that this account be deleted from my credit file immediately. Additionally, I request that you provide me with the following documentation to substantiate any claim of permissible purpose : XXXX. Evidence showing that I consented to or authorized this reporting under the FCRA. XXXX. Any agreements or contracts that prove a legal basis for the continued reporting of this charged-off account. If you can not provide adequate documentation, this account must be removed from my credit report without delay. Please consider this as a direct dispute and take action to correct this inaccurate reporting within the timeframe stipulated by federal law.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX, XXXX, my card kept declining as I was trying to purchase food for the amount of XXXX dollars. So I called the company and the company kept lying to me about resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Transfinancial Company reported an unpaid medical debt for {$160.00} to the credit bureaus. The company alleges that the medical debt was " opened XX/XX/XXXX ''. Neither Transfinancial Company or the original creditor have ever mailed me any bills or correspondence relating to the purported debt. I was denied the opportunity to verify that the debt was mine or to pay it to the original creditor by virtue of the fact that it was placed on my credit report without notice or opportunity to be apprised of the debt. I do not know the date or purported service or if the debt actually belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX TransUnion and XXXX stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
Product: Student loan

Im under extreme financial hardship due to a serious life threatening medical condition that required emergency  XXXX , multiple hospital/doctor visits and ongoing treatment. I have explained this to Navient many times and simply can not afford to pay my student loans. They call me and email me at lea st 6 to 10  times a day from different phone numbers and it 's maddening. They do it early in the morning, late at night and during my work day and it 's absolutely inappropriate and aggressive. It has caused me so much unnecessary stress that is actually impacting my already fragile state of health.
Product: Prepaid card

On XX/XX/XXXX through XX/XX/2023 I was charged approximately {$430.00} in charges I did not make her authorized via XXXX XXXX from my debit card through time first transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute case number with XXXX XXXX XXXX XXXXXXXX They're stating that there was no error and that they were not reverse the charges even with a police report sent to them about the charges being broken
Product: Credit reporting, credit repair services, or other personal consumer reports

IT HAS BEEN OVER 30 DAYS WITHOUT ANY RESPONSE OR RESULTS! 
EQUIFAX is reporting TWO unauthorized hard inquiries to my credit report. I DEMAND to see SIGNED documents, privacy notices or credit applications with MY signature on them giving this company permission to access my credit file or DELETE from my equifax report NOW!!! *PLEASE REMOVE THE FOLLOWING HARD INQUIRES* 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/2018 Under what circumstances did I give this bank to access my credit report? PROVIDE ME WITH SIGNED AUTHORIZATION OR PROMPTLY DELETE THESE INQUIRIES OFF MY EQUIFAX FILE!
Product: Credit reporting or other personal consumer reports

This account was removed from XXXX and XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA, XXXX Re : Dispute of Reinserted Account - Request for Immediate Removal Dear TransUnion, I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXXXXXX XXXX XXXXXXXX The account was removed from my credit report as of XXXX/XXXX/XXXX, as confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. 
I have proof of the account 's previous removal, including a copy of the accounts removal, and a copy of the removal from the other bureau. 
Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). 
Given these circumstances, I request the immediate removal of this account from my credit report. Enclosed with this letter are copies of the proof of removal and any other relevant documentation supporting my request. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Basically I got an email saying I have n't made a payment to bigpictureloans and I called my bank afterwards and they said XXXX dollars was taken out. So I called the loan company and told them what happend and they told me they had the payment on every Tuesday which was wrong and it was every Thursday since I work at XXXX and That was two weeks ago. Today I got another email saying the sage thing so I decided to make a complaint to declare fraud and violation of loan agreement on their side