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

06 XXXXOriginal creditor: 06 XXXX 201$XXXX0% paid offXXXXCollection openedXX/XX/XXXXAccount typeCollection AccountBalanceLoan Amount$XXXX$XXXXPayment InfoOriginal loan amount$XXXXBalance$XXXXUpdated onXX/XX/XXXXContactXXXX XXXX XXXXXXXX, MAXXXX(XXXX) XXXX-XXXXXXXX XXXX XXXXOriginal creditor: XXXX XXXX XXXX 201$XXXXPayment InfoStatusCharged off as bad debtUpdated onXX/XX/XXXXPast due amount$XXXX$XXXXMonthly payment-Late payments-XXXX transunion reporting inaccurate information
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  account numbers ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account numbers ( XXXX, XXXX ) XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX  account XXXX XXXX XXXX account XXXX all has violated my rights. I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

My insurance, XXXX, rented a XXXX pump from XXXX XXXX and covered the cost for me. However, I had to return the XXXX pump to avoid any charges, which I did. I called XXXX to send me a return label to return it ; they sent me an empty box with a return label. I put the XXXX pump in the box and dropped it off at XXXX, located at XXXX XXXX XXXX  XXXX MD XXXX, on XX/XX/XXXX ; my tracking number XXXX. When I tracked it, the package was delivered. On XXXX XXXX, I received a letter from XXXX stating that I had in my possession its XXXX pump that needed to be returned if I didn't want to get charged. I called XXXX right away to explain that I had already returned it. They said they did not receive it and will investigate, so they will let me know their findings. I said, ok, but I can not be held accountable for the pump if they did not get it because I dropped it off with their return label that XXXX provided. 

They did not call me to make me aware of anything but sent me a bill of {$500.00} on XX/XX/XXXX. I called them back again. On the billing letter, it was stated, " call on XXXX if you do not have the equipment in your possession ''. I called right away and explained to them again that I had returned the pump. The XXXX ' representative, said that was fine ; the charge will be dismissed. 
In less than a month on XXXX XXXX XXXX sent me to collection and I received the collection letter from State Collection Service , Inc . I'm reporting this unfair matter, and I would appreciate getting help regarding this matter please. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help with this fraud problem i have had. i tried to get this cleared up months ago with paperwork and no work has been done with the bureaus. someone took my identity to open false bank accounts under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the Equifax data breach.
Product: Vehicle loan or lease

I purchased a used vehicle from Toyota. I noticed only afterwards that there was added fees on my account that I did not want or ask for and Toyota Financial made it practically impossible to take off my loan ( Gap, extra warranties ). This increased the price of the principle by {$5000.00}, which was not my agreed upon price. However, I continued to make my payments anyways until my wife ( the co-signer ) developed XXXX  problems that stopped her from being able to work and cut our income in half. No longer capable of making the payments, I went directly to the company and explained the situation and voluntarily gave the car back in in XXXX of XXXX. I was at that time that it was no issue that they ( Toyota ) would take care of everything for me. Then a couple months later Toyota Financial tried to file a claim through my insurance company saying I damaged their vehicle. There was no damage done to this car since I had owned it at all. I kept it clean and didn't get so much as a nick in the paint while I had it, and left it directly at Toyota dealership which is explained earlier. Afterwards, they auctioned the car off and they still say I owe {$13000.00} when my original purchase price was just over {$19000.00}. There was well over {$19000.00} paid on this account which I'll attach as image files. I have never been more truly disappointed with a company and the treatment of customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian makes it nearly impossible to unfreeze my credit report. They have no way to contact a human, the online system rejects my information despite my already having dealt with them and receiving a PIN. There is no way to find out why this is happening. They want me to mail in via regular postal mail a copy of my government ID, my Social Security Card, utility bills, and the like, and then wait several days or more to unfreeze my credit ( which was frozen with them online in the first place ). The other two credit bureaus have no such onerous rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost a year and 1/2 ago I contacted XXXX XXXX to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with Experian sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called XXXX XXXX today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with Experian online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called Experian and an Experian Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off my credit report?
Product: Debt collection

AXCSSFN has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
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 accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) provides consumers with protections regarding the accuracy of their credit reports. To address a fraudulent voluntary surrender of an auto loan on your credit report, you can write a strong and legally grounded dispute letter to the credit bureau ( s ). Heres how you can draft it to ensure the greatest chance of removal : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Address of Credit Bureau ] Re : Request for Immediate Removal of Fraudulent Voluntary Surrender Auto Loan Account Number : [ Insert Account Number ] To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The information pertains to an auto loan listed as a voluntary surrender, which is both fraudulent and completely incorrect. 

Supporting Legal Grounds : 1. Violation of FCRA Section 605B ( Identity Theft ) : Under this provision, I am entitled to have fraudulent information resulting from identity theft blocked or removed from mycredit report. Attached is a copy of my Identity Theft Report ( e.g., police report or FTC Identity Theft Affidavit ) supporting my claim.

2. FCRA Section 611 ( Accuracy of Credit Reporting ) : As per this section, credit bureaus are required to investigate disputes regarding inaccurate or incomplete information. This account does not belong to me, and its inclusion is damaging and erroneous. 
3. FCRA Section 623 ( a ) ( 1 ) ( A ) : The original furnisher of information is obligated to ensure the accuracy of their reporting. This fraudulent account violates their duty to provide accurate information to the credit bureaus. 

My Request : I demand the immediate removal of this fraudulent account/REMARKS from my credit report. This account has been reported in error and is causing significant harm to my creditworthiness. 
: XXXX XXXX XXXX XXXX : Acct # XXXX ; {$20000.00} REMARKS : returned voluntarily ; voluntary repossession XXXX, XXXX, TRANSUNION Under the FCRA, you are required to complete your investigation and respond within 30 days of receiving this dispute. Failure to comply with these legal requirements may result in legal action under federal law.

Please confirm receipt of this dispute and keep me informed of your progress. You may contact me in writing at the address provided above.
Product: Student loan

This is about the 8th time this has happened, and from reading other statements online from other people going through them is no help. The situation is I will make my student loan payment on time over the phone. It will go through the entire process, and even give me a confirmation number but a few days later I notice no transaction. I will call back and they will tell me the payment is past due and that I never called them even if I have the phone records showing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I sent {$120.00} via Cash App to XXXX XXXX XXXX XXXX for TV services called XXXX XXXX, and I never received the goods or services. The transaction # was XXXX. I requested a refund from him immediately but he declined the refund then started sending me rude messages. At that time I knew I had been scammed. Cash App said they investigated it but I could not get my money back. I also disputed it with my bank and they also said I could not get my money refunded.
Product: Consumer Loan

Bi Weekly payments of {$180.00}, i notified them via certified mail that I had a change in income and could no longer afford the payments and to stop ACH withdrawl, they did stop the withdrawl, but are now saying the loan is 21 days past due when it is only 5 days past due and are threatening legal action. I also sent them a check and a promise to pay {$20.00} a month until paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$49000.00} XXXX  XXXX XXXX Balance : {$2900.00}
Product: Checking or savings account

I have had occasional suspect purchases over the years that have been made electronically through my checking account. The amounts never exceeded more than $ 500- {$1000.00} and were usually flagged by the bank and the money was credited back to me. However, recently I decided to switch banks and when I went to open an account I was flagged by Early Warning Services , Inc. for " account abuse, '' reported by XXXX XXXX, a bank I have never used before. Upon further investigation and after receiving the Early Warning Services report I saw numerous occasions where my social security number had been used to open accounts using banks I have never used before. My name was correct, my social security number was correct, however most other information such as Email address, physical address, Driver 's License information, was inaccurate. In all cases the accounts were open for up to a couple years but had been closed. There were about 4 or 5 such instances. I have filed a police report and am waiting for the detective to complete it. In the mean time he has issued me a Police blotter. I can provide whatever documentation you would like to see.
Product: Credit card or prepaid card

I had an XXXX XXXX XXXX which has an annual fee of {$450.00} billed every XXXX. In XXXX I downgraded to a NO annual fee card and I was supposed to get a prorated refund for the remainder of the year till XX/XX/XXXX. 

In XXXX I received an upgrade offer. In XXXX, I was told I am not eligible for the upgrade bonus offer. So I downgraded again. 
But I never received the annual prorated fee from XXXX. 
In XXXX I was told they will open a ticket and let me know when and how much would I get the prorated annual fee refund? 

I have still not received the prorated refund. 
I have already contacted more than 5 times regarding this issue and still no resolution. 

On XX/XX/XXXX when I contacted Amex again, they are telling me they can give a prorated refund of {$75.00} only instead of {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported to both TransUnion and XXXX  that my payments were late ' twice by 30 days for XX/XX/XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
3. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.
Product: Mortgage

I refinanced my conventional mortgage with XXXX in XX/XX/2020. First the process was cumbersome and very slow taking approximately 2 months. During my signing I noticed that the deed recording name was wrong. I brought this to the attention of the company which resulted in a few emails back and forth and them reassuring me that it will be corrected. They also sent me the corrected recording sheet. After all this the company still recorded the deed incorrectly. I have contacted the company regarding this and I have resigned the documents again. The company has since sold my loan and we are 3 weeks since my resigning with no correction. I have over 10 back and forth emails with the company reassuring me this will be fixed but it never does.
Product: Credit reporting or other personal consumer reports

I have reported to them that I have had my identity stolen. I have also contacted the consumers asking them why they keep selling that that has been written off. Why havent I received it XXXX under fair federal law 15 US C 1681. Any errors on my report thats not verifiable its supposed to automatically be deleted from my consumer report. Also if something is charged off then the original creditor is supposed to send me a XXXX with a XXXX balance. I am tired of this stuff remaining on my credit report with all three bureaus just today Ill talk to XXXX and XXXX XXXX started but I want this stuff cleared up off of me also, its been a data breach with us Social Security administration, and I have been a victim of that along with prior identity theft so all due respect, I want this stuff off of my name
Product: Credit reporting or other personal consumer reports

In XXXX, I opened an acct with Kikoff, LLC at the advice of a XXXX XXXX co. I was told to pay {$5.00} a mo. and they report the payment as an installment loan to the bureaus which helps improve credit scores. I put this acct on autopay and paid every month ontime without issue.My kikoff dashboard reflects all payments were made on time and my CC statements reflect the same. On XXXX XXXX, XXXX, Kikoff reprted a 90 day late to all credit bureaus dropping my credit score by XXXX pts which wrecked my credit and will potentialy destroy my life. I am a retired widow and applied for a loan to survive basic living expenses and will be denied this loan based on this drop. I immediately sent proof of payment to Kikoff and requested a reversal of this terrible error. They responded stating this was for a second account that was delinquent and said they can not reopen this. I NEVER had a second acct! It wouldn't even make any sense to have a XXXX acct. They reported me 3 months late, XXXX years after opening an acct with them claiming it was a second acct that suddenly appeared and ruined my life over {$15.00} for an account I do not have. I do have ONE account and it's been paid on time. They have since locked me out of my account and have not responded to my request of proof of this XXXX acct which I absolutely did NOT open. The sole purpose of this account was to IMPROVE my score. There is NO purchase, NO real loan, NO service. This company exists for the purpose of telling credit bureaus someone has a ( fake ) loan and paying it each month. I am now in a desperate situation and need immediate assistance. This can destroy my life. I'm hopeful the CFPB can assist with reversing this and also investigate a company that offers no real service, no real loans and claims fake accounts and has the power to destroy people 's lives for no reason. The bureaus dropped my score making me guilty and although I can prove innocence, I'm made to suffer severe consequences. Please advise how this can be corrected. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an issue with report where XXXX XXXX reviewed my account and recorded calls. I made payment on my account within the30 days and XXXX XXXX reported late. This was an error because payment was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and risk my account being delinquent when XXXX was arranged on time. 

It looks like the issue was resolved with XXXX but XXXX and experian still is reporting as late and that's not accurate for XX/XX/2023 pmt reporting.