23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX to apply for a car loan. XXXX XXXX XXXX hard inquiry is of my knowledge. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. So that inquiry is valid XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX But all these inquires below are not valid and I didn't give permission. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Account Name : XXXX  Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under [ XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I believe the charge-off is inaccurate for the following reason ( s ) : 1- Last Verified do not match 2- High Balance is incorrect 3- Closed Date do not match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. 
Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXXXX Balance {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance {$1000.00XXXX XXXX XXXX XXXXXXXX Balance {$300.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i am filing this complaint against XXXX XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA experian is required to verify all information received from creditor before that information is added to a consumer file. but XXXX failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but experian refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. XXXX is using deceitful manner to run their business Equifax and XXXX did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told XXXX that representatives that equifax and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down
Product: Credit card

I have been asking for months for Amex to provide me with validation of a closed account they show on my credit report. They state that this account was opened on XXXX XXXX XXXX and was closed on XXXX XXXX XXXX with a XXXX balance.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Debt collection

Recently received a collection notice from Creditor 's Collection Service , Inc . They claim I owe a balance of {$75.00} to XXXX XXXX for a XXXX provided on XX/XX/2021 by " XXXX '' at XXXX XXXX. XXXX. XXXX. I have had numerous conversations and correspondence with their billing office, who assured me they would look into it. I have provided them with copies of checks and an online payment to prove I have made six payments of {$75.00} ( am also forwarding same to above referenced XXXX XXXX ). They continue to insist I owe them {$75.00}.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some closed accounts that I approve anyone to pull my report
Product: Credit reporting, credit repair services, or other personal consumer reports

II sent a dispute to XXXX  XXXX  in regards to account number XXXX and Equifax , XXXX  , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. m
Product: Vehicle loan or lease

I put a down payment on a vehicle in early XXXX and I put down XXXX XXXX on a car that was listed on the website for XXXX an Ive paid my car note twice since then my balance still owed on the car is XXXX. Im not sure what kind of loan that was but I wasnt aware of the prices changing drastically I paid XXXX XXXX for a car that was listed for XXXX an ended up having to pay an extra XXXX dollars on the vehicle I dont want this vehicle at this point if its going to be this much extra an I told the bank that they told me to give the car lot a call an they didnt give me the information I needed either so Im not sure what to do about that at all
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX from XXXX and financed through Santander Consumer USA ( XXXX ) in XX/XX/XXXX. I have been paying my car since then but, in XXXX i fell behind due to my husbands XXXX and subsequent medical expenses that resulted from the XXXX. I attempted to fix things with them several times and they said well you are past due and we submitted for repossession of the vehicle but, if you pay the past due today we will cancel it and you will avoid any repossession or issues as a result of that. I would just have to pay and continue making my payment. We paid the amount that they required and then i discovered that on my credit report my car was reported as Charge off. I contacted them and they said oh that 's what we do when we reinstate a loan. I was never ever notified in writing or on the phone that they would be doing that. I am paying on a vehicle that shows as thought it was repossessed on my credit reports. I have tried to refinance the vehicle and I was informed by several banks that I ca n't refinance something I do n't have ( which clearly i do have ) The bank is destroying my credit I can not get a home or anything because of that loan. They have charged it off but constantly update the loan charge off date to seem closer and closer so it always appears that I just lost the car. The vehicle balance never changes and they never report that i am making payments it looks like i occassionally give money to a debt not a loan! they charged me over 10 dollars to make a payment for years and my payoff amount is still {$16000.00} on a vehicle that started with a balance of {$18000.00} 4 years ago. I think they are cheating me and stealing money from me because thus far i have paid XXXX and at the rate of charges i will pay XXXX XXXX dollars for the vehicle was never valued anywhere near that amount to top it off they said i still have three more years to pay because my vehicle is charged off and will always earn interest. They I believe broke the law by not informing me of what they would do to my account, me and my credit. They never once in writing or verbally told me they would report my car as charged off/ repossessed. This is a very predatory way to run a business and this is not the case with every loan i have talked to several people who are financed through santander consumer usa and two of them had their car in repo status paid and were never reported as a charged off loan or any other negative information other than being past due and current. This implies that they selective on who they take advantage of maybe they prefer people who are in their XXXX like me who should just go along with it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXXXXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX, GA XXXX. I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) 1. XXXX XXXX The correct name is XXXX XXXX The correct employer is XXXX XXXX XXXXXXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

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

Derogatory marks generally stay on your report for 7-10 years, but their effects can start to fade over time. 

Overview Reference Number XXXX Date FiledXX/XX/XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX - Account Number : XXXX XX/XX/XXXX Account Name : XXXX - Account Number : XXXX XX/XX/XXXX UNAUTHRORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

XXXX XXXX I am pay in full with all my mortgage payments from XXXX XXXX to XXXX I have been SAYING and REQUESTING THAT THIS COMPANY have been Submitting a request over the phone from me ALMOST everyday since XXXX XXXX. 

I HAVE ALSO BEEN ASKING for Specialized Loan Servicing cashier department to fix there web page to document all my payment as mortgage payments PAY IN FULL SO IT show that I am current from XXXX XXXX to XXXX. 

And all I get is a run around I been asking to SPEAK to the person who is in charge of the payment department and THEY KEEP TELLING ME THAT DEPARTMENT DON'T TAKE PHONE CALL. 

All they do is put ANOTHER request in FOR ME TO HAVE A SUPERVISOR CALL ME BACK time after time. 

THE person WHO call me BACK can't do anything WHO IS NOT A SUPERVISOR EITHER SHE OR HE CALL BACK, JUST TO tell me they will submit another request in. 

THE CLIENTS FOR THIS MORTGAGE CO.NEED TO GET SOME PEACE OF MIND INSTEAD OF MORE PROBLEMS. 

CAN YOU HELP US.

WHAT WE DON'T NEED TO get is another incompetent, unprofessional BLAH BLAH BLAH OR OUR PHONE CALL GET HUNG UP ON, AND WE HAVE TO CALL BACK AND GO THREW THE SAME OLD INCOMPETENCE AND UNPROFESSIONAL SERVICES ( NO SUPERVISOR FROM THE PAYMENT DEPARTMENT. NO CORRECTION ON OUR MORTGAGE PAYMENT AND ON THE TRANSACTION AND HISTORY. 

IF THE CFPB PUBLISH THIS DESCRIPTION ON THERE WEB PAGE EVERYONE WHO IS AFFECTED IN THIS WAY NEED TO FILE A COMPLAINT WITH THEM.
Product: Credit reporting or other personal consumer reports

Here is a draft letter for your request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Account Information ( Account Number : XXXX ) To Whom It May Concern, I am writing to request additional information regarding the account referenced above, which appears on my credit report. Please note, this is not a dispute of the account. I am requesting the following details to better understand the reporting : XXXX. The Date of First Delinquency for this account. 
XXXX. The Date of Last Payment made on the account. 
XXXX. The Date of Charge-Off reported for this account. 

I kindly request that you provide these details in writing at your earliest convenience. If you require any additional information from me to fulfill this request, please do not hesitate to contact me using the information provided above. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX Let me know if you need further assistance or edits!
Product: Credit card

Macys turned my account over to a collections agency however my current account is not nor has ever been over due. I requested a replacement credit card when mine was lost in the mail XX/XX/2015. When Macys sent me my new card they actually created a new account and did not sync my old account balance with the new one, I was not informed of this policy which I am told is for security purposes. There was a outstanding balance of XXXX dollars on my old account that I was completely unaware of. I was getting statements for my new account and did not know that I had an old account that was becoming more and more delinquent. I never received a bill or a phone call regarding the old account. It is now reflecting on my credit report. My husband and I are trying to refinance our house and this is making it difficult. I spent 2 hours on the phone with Macys only to be shuffled around to XXXX different departments who couldnt and wouldnt help me. I was told to call the collections agency even after they admitted it was an error on their end. I am currently taking care of my grandmother who has XXXX and can not waste my time on the phone with collections agents especially when their is no error on my end. I need help dealing with this because I am getting the runaround and no one seems to know how to handle this. I have done nothing wrong other than trust that when I was issued a replacement card Macys would do their jobs correctly and provide me with my correct and current account information.
Product: Credit card or prepaid card

Over the last two weeks I have spent hours on hold and never gotten a live person to tell me the status of my credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX RE : Partial Account Number : XXXX. 
XXXX Number : XXXX To whom it may concern, I am aware that the FCRA allows for creditors to report but they have to be compliant and accurate at all times. My concern with this account is this. It is reported on my consumer report that this alleged debt was charged off. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that NISSAN MOTOR ACCEPTANCE will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, NISSAN MOTOR ACCEPTANCE failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details.

Additionally, according to the IRS, a 1099-C was to be sent in accordance with this chargeoff as it is over XXXX However, one was not sent. Also, since the alleged debt was charged off, why are you still trying to collect on the alleged debt? Is that not considered fraud and abusive activity according to the FCRA? 



Again, according to the FCRA, all creditors MUST be compliant and accurate when reporting and I feel that NISSAN MOTOR ACCEPTANCE failed in doing so.This account is inaccurate and NISSAN MOTOR ACCEPTANCE had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. You also had an obligation to send me a 1099-C in which you failed to do so. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, NISSAN MOTOR ACCEPTANCE will be in violation of certain codes equating to XXXX per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking XXXX  per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX With XXXX
Product: Credit card

or your information I also submitted this complaint to the Federal Trade Commission. I ordered XXXX products online from the merchant ( XXXX ). The cost per product is only {$4.00} each. I was made to believe that this is the amount i have to pay for each product. But when the bill statement came, I have to pay {$92.00} for each product ( 2 XXXX ) and {$97.00} for each ( 2 XXXX ). I would NOT have agreed to pay those amounts if only I knew the merchant has indeed truthfully posted the terms and conditions before the checkout. I filed a dispute to the Citi Cards company. But The Citi Cards company has informed me that they are unable to assist me with the dispute due to the terms and conditions of the merchant ( XXXX ) prior to the checkout. But the truth of the matter is that there are no terms and conditions Prior to the final checkout or placing the order. I was misinformed. I did not attempt to cancel tjis transaction because I was made to believe this is only a one-time purchase. I did not dispute the original charge because i was made to understand that I would only be charged {$4.00} for each product. I did not agree to be charged with {$370.00} for the XXXX products or items. In fact, I returned the XXXX package with the ( 2 ) items or products to the merchant upon learning the real cost of it. The merchant will not acknowledge it that I returned those XXXX products even If I have the U.S postal receipt because they told me I did not inform them before i returned. I tried to convince the credit card company not to allow the merchant to charge me because i was misled and misinformed by the merchant. But Citi Cards decided to favor the merchant for they received the papers from the merchant stating that I agree to the terms and conditions prior to placing the order. I told them It was a lie. If they check the website, the merchant did not post the terms and conditions before placing the order. I told them the papers they sent was fake and false. There was no Terms and Conditions that were posted online Prior to the purchase or prior to the checkout. I told the Citi Cards billing dispute department, they can check it for themselves if what the merchant said was true or not. But they ignored me. I told the Citi Cards that I am not paying those charges even if they already made the decision because the merchant 's practice is questionable and their procedure is unethical and irresponsible.