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

In XXXX of XXXX I purchased the vehicle from XXXX XXXX XXXX. I signed the contract, paid a down payment of XXXX and was advised I could not drive off with the car until a few days after. Being so young I felt I was taken advantage of since I had no experience buying from a used car dealership. When I went back to pick up the car as soon as I drove the car off the lot the check engine came on. I went back to the dealer and was advised to take the car to a mechanic they did business with. I went down to the mechanic he read a code and called the dealer. He told me not to worry it was a minor fix. I scheduled an appointment with the dealer for maintenance repairs to fix the error code. They ended up having the car for repairs for a month. I was provided with a loaner vehicle. They advised me it was the oxygen sensor that needed to be replaced. Once they returned my vehicle, the car started running hot. We took it to another mechanic they told us about and he advised me that he had told the dealer the engine head gasket was out. And that they repaired it by just putting sealer. The engine needed to be replaced. They sold the car with a faulty engine and tried to use sealer to hide the actual problem with the car. Due to all of the issues I was having I called and reported the issues to a manager at lobel financial. The dealer at XXXX XXXX XXXX  was no longer in business. The manager at lobel financial advised me she would speak with someone else to escalate this matter. I was then advised to take them to court. Being a single working mother I did not have the time and accurate resources to fight this matter for the remaining loan balance. Under California lemon law I should have been protected by loan companies and auto dealers that sale lemon junk cars. They are now saying I owing XXXX for this car I voluntarily gave back to lobel financial after being sold a lemon car. They took advantage of my situation and pocketed the XXXX I paid for a down payment. They sold me a car with an engine they new needed to be replaced.
Product: Credit card

My bank, XXXX, sent back several credit card payments in the XXXX of XX/XX/2023. I had money in my bank account to cover the, but XXXX kept reporting and charging me overdraft fees and sending payments back when there were deposits processing that would of meant my balance was more than high enough to cover the out going ACHs. I tried to have Discover remove the 30 day late from my credit report and they told me no. I submitted disputes through my credit reports, and they were also sent back with no resolution. I've had my Discover card for over XXXX years and have never missed or been late on a payment.
Product: Student loan

In the Fall of XXXX and again XXXX of XXXX I called Navient to see how I could reduce my loan payments, Instead of telling me about income based repayments they steered me into a forbearance which, when it was over, caused accrued interest to be capitalized into my principal. Additionally they mis-attributed the time of the XXXX forbearance to dates when I was working full-time for a non-profit and paying my student loans back -- these payments and all payments made before I knew about IBR were rejected for the temporary relief program. They also never told me that I needed to be in an incomebased repayment program to qualify for PSLF so three years of work at low pay is down the drain in terms of PSFL.I have transfered my loans to a different servicer but all the information that came with them is from SallieMae and Navient.
Product: Debt collection

On XX/XX/XXXX I learned of a balance that was listed on my credit report, this collection balance was reported on XX/XX/XXXX. I had no invoices or calls made to or from XXXX XXXX XXXX in regards to a balance owed for services that were disconnected on XX/XX/XXXX. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX to dispute charges that are reported on my credit report. I informed the representative that answered the call that the balance is incorrect as XXXX XXXX XXXX were in breach of their contract by not providing services in a proper manner in accordance with the terms of our agreement. I was informed that I would be receiving a call from an internal collections agent after the phone call that lasted 31 minutes and 35 seconds. 
On XX/XX/XXXX I received a call at XXXX EST. by an internal collections representative that lasted 1 hour, 12 minutes and 40 seconds. I disputed the balance and the representative informed me that XXXX XXXX XXXX did not record information properly and there is a note that equipment was returned in XX/XX/XXXX. I informed the representative that I did in fact return the equipment in XX/XX/XXXX, not XX/XX/XXXX and I should not have a charge balance in the amount of {$810.00}. There in fact should be no balances due as XXXX XXXX XXXX XXXX XXXX was in breach of their contract. I received no invoices for the balance aforementioned in this letter. This young lady informed me that this was not my fault and she would be taking a personal interest in resolving this matter for me and I should hear back within 7 business days. 
*I received no further calls. * Today, XX/XX/XXXX I returned a call to XXXX XXXX XXXX to attempt to resolve this dispute. This call lasted 1 hour, 28 minutes, and 51 seconds. I spoke with XXXX Employee ID # XXXX and received contradicting information. I asked to speak with a supervisor and was transferred to XXXX Employee ID # XXXX and was greeted with a severe bad attitude in regards to customer service, as well as additional conflicting information the previously informed. 

I also intend on completing a letter in regards to FCRA standards, commonly referred to as a 609 form to dispute this collection record on all of my reports. This balance is incorrect and I should not be held responsible for a balance when all items in regards to XXXX XXXX XXXX were returned as requested, and XXXX XXXX XXXX was in breach of their agreement by not providing services as intended.
Product: Credit reporting or other personal consumer reports

To whom it may concern I recently got a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number # XXXX
Product: Checking or savings account

Chime bank has been a horrible experience. They have closed my account, reopened it and close my credit builder account with funds still inside they are giving me the runaround. It has been over a week and and I am still contacted them via email. There is no real people to talk to who understand English very well, my account has been closed for over 30 days so they are not following the guidelines within their policy. This has happened to me before with chime bank and they close my checking account but they did not reopen my credit builder account. They still have my funds and I can see it on my account but I can not access it and when I contact Support they give me the runaround.
Product: Mortgage

On XX/XX/2018 my mortgage company ( Loancare ) reversed one year of mortgage payments and additional principle payments and showed my account as 12 months past due. My principle owed went up to where it was 12 months previously. After a month and 4 phone calls, they concluded my account was fixed. During this " resolution '' time period, the company did not honor my pre-set auto payment plan ( without notification to me ) and once again showed my account as past due and applied a late fee charge to my account. After 2 more phone calls and escalations, they accepted my payment and said they would wave my late fee. This was on XX/XX/XXXX and my account still show a due late fee. 

I have since called again as, after their modifications to my account, as my outstanding principle on my XXXX statement is HIGHER than what was on my XXXX statement prior to their incorrect activities on my account. I was told that my issue was being passed to another department and I would be notified of the status. No additional activities have taken place that I've been made aware of and my account still shows a higher principle balance owed in XXXX ( {$210000.00} ) than it did in XXXX ( {$210000.00} ), despite never missing a payment AND applying additional principle payments. 

I submitted a request via email to their customer service department ( I wanted to document the communication ) requesting a fix to my account and a description of the activities they have performed so that I can feel comfortable that my mortgage has been correctly handled. I have followed up 3 additional times and have yet to hear anything at all from my original request despite automated acknowledgement of receipt of my communication. 

I am not confident that Loancare is handling my loan properly and that all the payments I've made since loan origination have been applied to my account. I also want to be sure that I was not charged additional interest due to the missteps of Loancare.
Product: Debt collection

At the time of this matter I was covered under medical insurance. I have no knowledge of this outstanding balance. This information should not have been added to my credit profile as a derogatory remark.
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX and my account ALLY FINCL with the account number XXXX is being reported inaccurately. The date of the last activity of the account is XXXX and the payment history is reporting the years XXXX? I am disputing this account because they are re-aging my account. This practice is illegal and must not be tolerated. Please see the attachments I sent.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report act ( FCRA ) to conduct a reasonable reinvestigation of dispute information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided, evidence to furnishers, accepting, adequately notify consumers of dispute outcome. These failing align with my experience, where Experian has neither corrected nor removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Equifax information XXXX, XXXX services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
EQUIFAX AND XXXX AND XXXX Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights Equifax is Reporting a Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX also the fraudulent inquiries Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Etc etc all other inquiries are FRAUDULENT ALSO EQUIFAX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT XXXX IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE XXXX CLAIMS XXXX DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action
Product: Checking or savings account

CAPITAL ONE 360 is utlizing an outdated or incorrect phone # verification system - I have online CREDIT CARD with CAPITAL ONE and never had any issue until I tried to activate a new CHECKING ACCOUNT, and during a list of security questions, they stated they " couldn't verify the Phone # with the account " now CAPITAL ONE has denied access to my online banking account WHICH ALSO HAVE FUNDS SENT FROM OTHER PEOPLE WHO ALSO CAPITAL ONE BANK VERFIED THE SENDERS and still wont give me access too my funds which means I can't pay bills i have had this phone # XXXX XXXX XXXX for _3__ years and utilize it daily for other credit cards and banking even for my current CAPITAL ONE CREDIT CARD account never had any issues until CAPITAL ONE BANK ACCOUNT activation process I can't access my current checking or savings account online or pay my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that TransUnion still indicates my dispute of information in my credit report. As of todays date, TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, TransUnion must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 

XXXX XXXX XXXX XXXX Balance Owed : {$590.00}
Product: Debt collection

Through discovery of checking my consumer report, I found that IQ Data International Incorporated was listed as an alleged debt owed. 

I have no contractual obligation to pay any alleged debt from IQ Data International Incorporated. Please see attached refusal to pay and notice of lawful expression of consumer rights.
Product: Debt collection

Debt is not mine. Credit card is in XXXX XXXX 's name.
Product: Debt collection

I have never had any relation to this company. Someone must have given them my number as I have never had any business with this company.
Product: Checking or savings account

ON XXXX MY DEBIT CRADS WAS LOST/STOLEN SO I CALLED THE BANK AND LET THEM KNOW THAT MY CARDS WAS LOST AND THERE WAS CHARGES ON THE ACCOUNT I DID NOT AUTHORIZE. I HAD TO MAKE A DISPUT FOR THE TRANSACTION ON THE ACCOUNT I DID NOT AUTHORIZE, AND GET A NEW DEBIT CARD MAILED OUT TO ME. ON XXXX I RECEIVED PROVISIONAL CREDIT FOR THE CLAIM AND THEY TOLD ME THAT EVERYTHING IS OK. ALL THE TRANSACTION WAS MAKE ON THE ACCOUNT WAS PLACED BY SOMEONE USING ( MY CARD AND NOT MY PIN NUMBER ), NOW ON XXXX I RECEIVED A MESSAGE ON MY BANK APP INTO MY MESSAGE CENTER THAT WELLS FARGO : SUBJECT : CLOSURE OF YOUR DEPOSIT ACCOUNT THE ACCOUNT ARE EXPECTED TO CLOSE ON XXXX I WANT TO KNOW WHATS THE REASON I HAD THIS ACCOUNT FORM : XXXX I HAD NO DISPUTE TRANSACTIONS AND THIS IS THE FIRST TIME I MAKE A DISPUTE NOW IM GOING TO HAVE MY ACCOUT CLOSE, WHEN ITS A OVERDRAFT FEE OF {$35.00} TAKING OUT THE ACCOUNT I NEVER COMPLAIN ABOUT THE TRANSACTION I MAKE THE PAYMENT, THIS IS NOT RIGHT MY ACCOUNT IS CLOSING I NEED THIS ACCOUNT FOR MY EVERDAY LIFE TRANSCTION I HAD MY ACCOUNT FOR OCVER XXXXYEARS I JUST NEED THIS TO BE FIXED AND LOOK INTO. THANKS
Product: Checking or savings account

I used my debit card at a gas station. The first attempt no money was disbursed. The second I received my money. When I checked on my phone while still at the location I noticed two withdrawals. The owner said that often happened and if my money wasnt shown correct in the morning he would reimburse me. That was the XXXX of XXXX. 

In the morning both charges were still on. So I decided to call my bank, since I was sure they would reimburse me, and if not the owner had said he would. 

The bank took forever. So I cancelled my claim on the XXXX, only to reopen it on the XXXX as the owner was now refusing to pay. 

Last night, I texted the owner, once again he failed to respond, after I learned my bank didnt reopen my claim as I asked on the XXXX. I then called the police. 

Today I have attempted to contact the bank once again but they are not being helpful. I am due {$32.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Experian was the result of their non-compliance to my request and for their refusal of correcting the item stated below. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me fix and update the concerned item for it was found erroneous and inaccurate. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on XXXX and XXXX of XXXX and have not received anything but the standard its been verified letter from only one of the bureaus. Not once did any of the credit bureaus send me verifiable documents showing that these accounts should be on my report. These accounts I have disputed should not be on my report and I want them removed immediately if they can not furnish me with the documents I have requested. As a consumer it is my right under the Fair Credit Act to request 100 % viable proof that those accounts disputed belong to me. If this is not done, the credit reporting agency MUST DELETE THE ACCOUNTS. I am asking that the accounts listed in my disputes to Trans Union - XXXX and XXXX be deleted immediately as they have taken well over the time frame and have not provided me with any kind of proof whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report due to a critical concern regarding my FICO score. On XX/XX/XXXX my FICO score had an XXXX point drop from XXXX to XXXX. This drop occurred within a XXXX hour span, which was a shock to me. As a diligent consumer I checked my credit report and contacted Equifax regarding this drop but neither had any reasoning for the drop nor was there any negative reporting. Additionally, there was no activity that would cause such a drop. 

On XX/XX/XXXX, my credit score at the three credit agencies was above 844 with the score at Equifax specifically at XXXX since XX/XX/XXXX. On XX/XX/XXXX my score dropped XXXX points. There was no negative information on my credit report. No late payments, no delinquencies, no inquiries, no collections, nothing out of the ordinary. I called both Equifax and FICO. Customer service representatives at both organizations could not find out why the scores had dropped. They informed me that there was no evidence of delinquency, bankruptcy, foreclosures, or any of the factors that would consequently garner such a significant drop. 

My credit report says I have Few accounts paid on time and Accounts with balances. These statements are all inaccurate. I have a XXXX  % usage indicated on my credit report, with no late payments indicated. As I mentioned before, nothing had changed in the way I used my credit, and no negative information was reported. When I inquired to both the Equifax and XXXX customer service representatives regarding the negative remark, they were unfamiliar with this remark and could not find more information on why it was present in my report. The representatives were not able to find anything that warranted a score decrease on my report. 

I urge you to consider the seriousness of this matter. Over a XXXX span of building my immaculate credit, this significant drop can be catastrophic and can be a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.
Product: Checking or savings account

My password book was compromised. The result was identity theft and most of my funds were gone. USAA was hanging up on me when I was trying to figure out what happened to my money. Then USAA told me various things such as " talk to your wife ''. This created a whole separate issue. After that I was told other false information. The USAA application stopped working and when it finally was working there were additional security measures which indicate that the bank discovered that someone other than myself was moving my money around. There are no recognized devices on my account now, which is inaccurate because I only utilize my cell phone to access my account. The bank representative that I spoke with about this matter told me that I can request IP addresses linked to my account and that he was mailing me such form. However I never received anything so I called to follow up. this time I was told that no such form exists. USAA is not helping me locate my money. In fact, it seems like they are avoiding responsibility for the matter.
Product: Debt collection

We recently moved into a new house and as part of the mortgage process I subscribed to XXXX regarding my credit rating. Nearly ten years ago I became quite ill and needless to say my credit report has reflected the unsavory chain of events.

I was able to get a mortgage but through the process, the XXXX report shows six ( 6 ) delinquent accounts with the XXXX Hospital totaling {$1300.00}. Although I have no recollection of receiving these bills, I must request a debt validation and verification letter confirming details of the debt. 

I
Product: Credit reporting

I had an account with XXXX XXXX for {$470.00}. It defaulted. It was sold to XXXX XXXX XXXX. Both are reported as separate or duplicate debts. Experian says they will not investigate it further ( Mail Dispute ). XXXX XXXX states they do not own the debt. I called to have one of them removed from my report and spoke to XXXX today at Experian. He states Experian has the right to double, triple or more report the same data as it also contains payment history and none of it will be removed. I enclosed the one for XXXX XXXX XXXX and another one exists if you need it that is separate for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX  issued me a Form 1099-C, signifying the cancellation of debt for my credit card account. The account was opened on XX/XX/XXXX, and closed and charged off in XX/XX/XXXX. The first charge-off was reported in XX/XX/XXXX, with a balance of {$890.00}. The most recent charge-off update was reported in XX/XX/XXXX with XXXX and TransUnion. I filed a dispute with XXXX on XX/XX/XXXX, and received their dispute results on XX/XX/XXXX. XXXX has deleted this account from my credit report as of XX/XX/XXXX, following my dispute. However, XXXX and TransUnion continue to report the account as charged off and update this status monthly, even though the debt was canceled and reported to the IRS as such. This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and up-to-date.

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information, such as XXXX XXXX  XXXX to not report inaccurate or incomplete information to credit reporting agencies. Reporting the account as " charged off '' monthly after issuing a Form 1099-C indicates inaccurate and incomplete reporting. FCRA 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies ( XXXX and TransUnion ) conduct a reasonable investigation of disputed information. My disputes have not been properly investigated, as evidenced by the inconsistent resolution compared to XXXX. FCRA 605 ( 15 U.S.C. 1681c ) states that negative information such as charge-offs must not be re-aged or reported in a way that extends its impact beyond permissible limits. By updating the charge-off monthly, XXXX and TransUnion appear to be unfairly prolonging the accounts negative effect on my credit score. FCRA 602 ( a ) ( 15 U.S.C. 1681 ( a ) ) emphasizes the importance of accurate reporting to ensure fair credit assessments. The failure to align reporting practices across bureaus and the contradiction with the 1099-C issued by XXXX XXXX  undermine this principle.