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

I purchased a new XXXX XXXX from a XXXX dealership in XXXX XXXX in XXXX. All payments were made on time. I moved to XXXX tx from XXXX Tx in XX/XX/XXXX and advised XXXX of the address change. I continued to received mailed bills at that address until XX/XX/XXXX at which time the bills stopped. On XX/XX/XXXX XXXX phoned my son who is also listed on the account, advising him the vehicle was subject to repossession. I immediately that day paid the full XXXX payments owed, late fees, and a service fee. I have tried to get the late fees waived which they say they have done. They advised they can not waive the {$3.00} service fee. They advised they have had and continue to have my current address ( XXXX tx ) and can not advise why the paper statements were stopped. They also can not advise why were not contacted when a payment was missed. On XX/XX/XXXX i sent a check to payoff the loan completely. I used the amount their system quoted me on XX/XX/XXXX which is good until XX/XX/XXXX. I expect they will ask for more. 
I believe XXXX did this deliberately in a fraudulent attempt to repossess the vehicle as it neared payoff. They gave no notice, and had my address for over 18 months, including every check for those payments with my current address. This seems very similar to the case in which CFPB fined XXXX $ XXXX for fraudulent repossession activities. All I want is my fees waived, my title free and clear, and the credit histories of me, my wife, and my son removed of al negative comments and those histories to reflect payment in full on time and ahead of schedule. On XX/XX/XXXX I mailed a letter to them requesting this as mail is the only method to contact their credit bureau XXXX department. I also want them to stop this practice As I believe it is a deliberate attempt to repossess vehicles from unsuspecting persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the report mailed via postal service, my personal information continued is NOT CORRECT and listed places I've never lived and lists my spouse which I've never been married.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in the process of refinancing our home and current creditor ( XXXX XXXX ) let us know their was a current loan affecting available refinance rates. Loan was from XXXX XXXXXXXX XXXX in the amount of $ XXXX. I do not have any outstanding loans currently and thats how i found out i have an unauthorized loan under my name. I contacted XXXX XXXXXXXX XXXX and was able to obtain the following information regarding this unauthorized loan. Name for Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$36000.00} ( they have paid $ XXXX of the loan and the outstanding balance is $ XXXX ). 
Account # : XXXX. {$1100.00} Monthly payment i want to go about all the channels available to us to make sure we report this fraud and have it removed from my account. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX 2016 I was charged with a misdemeanor and had to pay a diversion fee of only {$200.00} and received no jail time. My background check states that I was sentenced to 45 days in XXXX and was on XXXX for 2 years and was charged {$400.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I placed a complaint ( XXXX ) regarding a XXXX XXXX XXXX collection. They agreed to remove the collection from all 3 credit bureaus. 

XXXX and XXXX have both removed the collection after providing them with XXXX XXXX groups statement in their response to the CFPB complaint above. 

Equifax refuses to remove the collection and says the data is accurate.
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX  NA XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX Balance Owed XXXX {$620.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct:XXXX  XXXX XXXX acct:XXXX  XXXX XXXX acctXXXX XXXX XXXX  acct : XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX Acct : XXXX XXXX  acct : XXXX XXXX acct:XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct : XXXX XXXX XXXX acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX Acct : XXXX US Dept XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX acct : XXXX US Dept XXXX US Dept acct:92 US Dept acct : XXXX  In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed that one thing 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 when the report relates. XXXX XXXX
Product: Credit card or prepaid card

With no warning Discover placed a hold on my account. My accounts have never late and i have had my credit cards for years. They are requesting a 4506 t through a third party which is XXXX. XXXX has had the biggest breach in credit reporting history. They do not offer an alternative for this and basically say if you do not comply they will close said account, which will reflect on your credit in several ways that will detrimental to the credit reporting. As a consumer and business owner this is not only breaching privacy policies and not allowing for any privacy. THIS IS AMERICA and although they are extending the credit, to force the consumer to give a 4506t is criminal. XX/XX/XXXX can claim to protect information. We all know that is not true. Based on their previous performance. 
This procedure is not one that can be trusted. The law also does not permit that you file taxes every year. with that said Discover has locked cards and did not warn the consumer before.. I am blessed i was not out of town or my son who is an authorized user was not using the card and not out dining to be declined. Please look into these practices.
Product: Payday loan, title loan, or personal loan

got a XXXX dollar loan 13 yrs ago and they just now came after me how do I XXXX them over
Product: Student loan

I have had ongoing issue related to communication and customer service with Fedloan Servicing. I am taking advantage of the Income-Driven Repayment Plan and Public Service Loan Forgiveness programs and Fedloan Servicing is making it nearly impossible to participate. I  have submitted the required paperwork for both programs as required and every time I need to re-certify or send in new documentation, there is a problem. For example, this year on XX/XX/19, I received an email stating that I would need to re-certify my Income-Driven Repayment plan. 
The email stated that " in about 2 months, look for another communication from us with easy instructions and a direct link to recertify online '' and " If we do not receive your completed application and all supporting documentation within 10 days of XX/XX/2019, your monthly payment will increase to {$930.00}, first due on XX/XX/2019 ''. I decided to re-certify early given my experiences with Fedloan Servicing in the past. As of today, XX/XX/19, I have not received the email described above.

On XX/XX/19, I submitted my Income-Driven Repayment Plan documentation including the application and my tax return. On XX/XX/19, I received an email stating that my application was incomplete and that I would have to wait for a letter in the mail to explain what exactly was missing from my application. I uploaded my tax documentation again and called Fedloan Servicing on XX/XX/19 after not receiving any letter in the mail. The representative I spoke with was able to see both my application and tax information had been uploaded but was unable to tell me why my application was considered incomplete. I was then transferred to another section and told I would be on hold for more than 20 minutes. There is absolutely no reason why it should be this difficult to get a simple answer about an application for re-certification. I am still waiting to receive a response by email, mail or phone regarding this issue.

I have also submitted the paperwork for Public Service Loan Forgiveness Program. My initial employment certification was approved but when I switched employers and sent in my new certification, I received a letter stating the the form I had used was out of date. On the form, was the date the form was valid until. I completed and submitted the form well before that date. I called Fedloan regarding this issue and was told they would fix the problem. Several months later, I called again and was told that they had not fixed the problem and that I would need to submit a new form. Every time I have an issue with this company, I am told it will be taken care of and then it isn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/XXXX, I sent Experian a letter stating that I had gotten my credit report and the following items ; XXXX ( late payment ), XXXX ( Loan and Hard Inquiry ), XXXX ( Hard Inquiry ), and US SM BUS ADMIN ODA ( hard Inquiry ) was unauthorized and that I do not recognize them, so an investigation needed to be done on these accounts. On XX/XX/XXXX, I sent them a demand to comply with my last recent request and I also reported it to the CFPB. They responded back before I had reported to the CFPB and told me the results were in. However, whenever I tried to click to see the report I wasn't able to, which then made me still send the complaint to CFPB because of this false advertisement Experian was doing, sending me a report that was unable to open. A couple days went by with my complaint to the CFPB and that really helped to speed up their process. I received an email of my results shortly after, and I was able to open this report, in the report it only addressed one complaint from my first initial letter and that complaint was the late payment for XXXX had been updated. The late payment they had once had on my credit had been removed. Although, to my surprise there was nothing said about the other 3 disputes. CFPB then closed the case I presume because the company had responded, the problem was that they hadn't responded fully. I decided to wait to see if they would take some more time to respond to those disputes separately as they did for XXXX but they didn't. On XX/XX/XXXX I ended up sending them an MOV ( method of verification ) for the following accounts XXXX and XXXX. A couple days later I received an email that a new dispute had been opened with Experian, however it had been the same dispute since XXXX that they hadn't responded to fully and only responded to one dispute and not the other 3. They then sent me an email with the final results that the account had been verified, after almost 2 and a half months of struggling with them and stressing myself about these derogatory marks that I had not authorized. Therefore, today on XX/XX/XXXX I sent them another MOV. Experian has failed to reach my demands and because of that my credit and my whole life has been impacted drastically and I believe they should be held accountable for violating the FCRA laws by not providing me with my response in 30 days, in which case these items should be removed from my credit because it has been over 2 months now.
Product: Checking or savings account

I have emailed XXXX streaming service asking for refunds for charges that I did not authorize. I cancelled my account months prior and charges have continued to come out of my bank account. There is no telephone number to reach customer service and when I call their parent company, XXXX, they give an email address and say chat with a bot online. My bank account is now overdrawn. I did not authorize charges.
Product: Mortgage

We continue to wait for action by the lender on the shortsaleThey wont move forward and they continue to delay the shortsale its been almost XXXX months and they have an appraisal value of {$25000.00} and are sitting on a cash offer of {$24000.00}
Product: Debt collection

On XX/XX/2019, I received a letter ( attached ) from " virtuoso sourcing group '' informing me of an alleged account under my name submitted for collections by " XXXX '' for {$460.00}. 

On XX/XX/2019, I wrote and mailed a letter ( attached ) to " virtuoso sourcing group '' requesting verification of the debt in accordance with 15 U.S. Code 1692g. I specifically requested proof of the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. 

" virtuoso sourcing group '' never responded to my dispute letter, and after 30 days in accordance to the law, I assumed this alleged debt to be invalid. 

Now, today XX/XX/2019, I received a new letter ( attached ) from " XXXX XXXX XXXX XXXX '' dated XX/XX/2019, claiming that they are again attempting to collect for the same debt, XXXX for {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. XXXX XXXX XXXX XXXX/XXXX/2021, XX/XX/2021, XXXX XXXX XXXX XXXX/XXXX/2021, XXXX XXXX XXXX/XXXX/2021
Product: Credit card

Reference:XXXX  On XXXX XXXX I applied for a credit card and was denied. I realized that this had to have been an error because I know that according to the truth and lending act that credit is my XXXX given right. So I reached out to them via telephone to get this issue rectified but again I was met with another no. On XXXX XXXX I received another letter stating that per our phone conversation they reviewed my application again this time by a " supervisor for possible exception '' and again they told me " we will abide by our original decision. '' So that same day I sent them a letter informing them of how they were violating my rights and committing securities fraud. As well as using information from a source that I never gave permission to have let alone report on my behalf. On XX/XX/2023 They responded back stating that they still weren't going to open my account and their decision remains unchanged. At this point I am starting to feel a great since of XXXX knowing that XXXX was only a few weeks away and a recent car accident was preventing me from working. So I reached out again on XXXX XXXX, I again let them know how they were violating my rights and discriminating against me by not opening my account. XX/XX/2023 I received another letter from them again stating that they will not be opening my account and their decision remains unchanged.
Product: Debt collection

I hope this letter finds you well. I am writing to dispute inaccurate information on my credit report as provided by [ Credit Reporting Agency Name ]. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ), I request the immediate removal of the following information : I respectfully request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible, but no later than 30 days from the date of this letter, as mandated by federal law.

Please provide written confirmation once the inaccurate information has been corrected and the updated credit report has been issued. You may reach me at the above address or by phone at [ XXXX ] if you require any further information.
Product: Mortgage

Greentree servicing is my current servicer. They told me on XXXX that my address was corrected and would be uploaded to the XXXX web site on XXXX. I applied for my refi in XXXX and we are still waiting for Greentree to do what they said they would do. They were pointing the finger at XXXX, so I asked them to send me something in writing saying they did their part on XXXX. I just received the mailing today and nothing says their job was done on XXXX as they repeatedly told me on the phone. The person I spoke with is XXXX and I think her extension is XXXX. This company is incompetent in keeping their word. I put in writing to them through email both on XXXX and again on XXXX and they never sent me any thing in writing saying their job is complete, they kept saying it over the phone and I asked for it to be sent in writing and now that I have the mailing there is nothing that says they completed the address. I am now on the phone with them and talking to XXXX out of XXXX, she was no help, interrupted and incompetent. I asked why it is so easy for them to cash my checks and not so easy for them to correct an address as promised. Please help. I have heard bad things about this company and need to get away from them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged my credit report far years with No results they are not doing anything to get information deleted under fair credit act it's a federal Law I am a XXXX veteran their not moving information off my credit report every time I challenge something on my credit report account information is current when it's not
Product: Vehicle loan or lease

GoFinancial stated they placed my vehicle out for repo at 63 days past due. They acknowledged that they NEVER SENT A RIGHT TO CURE LETTER. THIS IS ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2. It also States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agency 's have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX 2024 and XX/XX/2024. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you! Please see screenshot attached,.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX  accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX XXXX  provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Product: Debt collection

I noticed this collection on my credit reports. I tried to contact them regarding proof of debt because I have no knowledge of this account and I don't use this service provider.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased an American Express Serve card from the XXXX XXXX, in XXXX, Michigan. The amount I put on the card was {$260.00} to pay my XXXX bill. The transaction went through but the money was never loaded on my card. I contacted American Express that following XX/XX/XXXX. Since then, American Express has been giving me the run around. I'm going through a lot of mental anguish trying to get this resolved. Worrying about my cable and internet getting shut off. I tried to be as patient as I could but it's come down to me contacting you. Thank you for the time and effort that you will put forth in helping me get this resolved.