23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a vehicle at XXXX on XX/XX/2016 with a down payment of XXXX and the remainder financed through Bridgecrest. 
Today XX/XX/2016 a towing company aggressively did a U-turn right in front of the vehicle and my drive way. I am assuming he thought I was going to drive away? but I was walking to the car to take things out of it. 
I had set up the auto payments to automatically come out of my account and since I did not received any communication from Bridgecrest at all regarding the missed payments. I did not know these payments were missed till today when the rude and in my face tow truck driver showed up. 
I was told that the car would also make a beeping sound through XXXX gps tracker, which never happened. 
How is it possible for them do that? 
I have only had the car for not even 2 months? and No communication? 
after two missed payments? I should be able to at least get the down payment back since the car has n't even been in my possession for 60 days. 
I have also filed for Bankruptcy which i was planing to keep the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thi bill has been paid in almost in full. They report us 2 months late while we paid for almost the entire balance. The month of XX/XX/22 XX/XX/22 report 2 late payment. how can we be late while we paid almost the entie balance
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account does not belong to me its was opened with out my authorization, i have already called the creditor but they have not fixed this issue yet, i have also disputed this to the credit bureaus, and they have denied my request in this case is ( equifax only ), please find attached the FTC report filed ( police report ) and the request ( hence attached ). 
please have this fraudulent account removed from my credit report thank you for your cooperation
Product: Checking or savings account

XXXX is showing a Bank if America account opened in my name on XX/XX/2017 and closed the same date and its showing unpaid with suspected fraud activity. Ive never had Bank of America. Ive been with XXXX XXXX XXXX for 4 years now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed 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 block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

During a period in XXXX and XXXX, I sustained a financial crisis which resulted in paying a number of accounts late. My checking account was with Bank of America. Bank of America did not pay other creditors when the account balances were too low to honor a check or a draft, but repetitively would run its own credit card or loan bills through the account, then charging both an overdraft fee and a late payment fee. Bank of America knew or should have known the money was not there to pay, and therefore acted to run up overdraft fees for its OWN benefit when I did not pay the payment due. I do not challenged the many late payment fees, but never authorized the drafts Bank of America took, apparently for the sole purpose of obtain overdraft fees on transactions Bank of America itself generated. More than a XXXX dollars was charged. I have the records to show these transactions.
Product: Student loan

I just received two letters from Aidvantage and they are telling me that I am delinquent in my payments but I have never been contacted by them since XXXX. I was then told that another servicer, XXXX, had my loans from XXXX until Aidvantage received them in XXXX of XXXX. The agent said that they had the wrong email address and this was the only way they tried to contact me since XX/XX/XXXX- XX/XX/XXXX. Why were letters not sent for 2 years? Why did you only try to contact me via email when you knew it was being sent back? I'm not paying extra fees for this company 's mistakes. My wife has known her loan servicer since she started taking out loans. Why am I just receiving this information 2 years and a delinquency later? If you want to get technical, 8 years later. Thank you so much, XXXX and Aidvantage for making life even more difficult than it ever needed to be.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I sent a dispute to Experian requesting an investigation into items on my credit report that were inaccurate, incomplete, and unverifiable. This letter was delivered via USPS certified mail on XX/XX/scrub> 2024, with tracking number XXXX on XX/XX/XXXX I had to send a second dispute via priority mail USPS tracking number XXXX to no avail. To date, my credit report continues to reflect inaccurate, incomplete and unverifiable information. As a result, I am being denied credit and housing. 

Under the FCRA ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies, including Experian, must ensure that the information they report is accurate and complete. By failing to investigate the disputed items within the required 30-day period and continuing to report unverifiable, inaccurate, and incomplete information, Experian is in violation of this requirement.

Further, under 15 U.S.C. 1681i ( a ) ( 3 ), if the dispute is unresolved and the information is not verified, the credit reporting agency is obligated to notify the consumer of the results of the investigation within the 30-day period. Experian has not they updated my credit report to reflect the proper changes following my dispute.

The disputed items remain on my credit report, causing significant harm to my credit score and financial well-being.
Product: Credit reporting

My XXXX XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XXXX, Equifax will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with zero balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by XXXX XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Mortgage

To Whom It May Concern, I'm writing today to ask your assistance in helping my wife and me secure an equitable loan modification that will allow us to remain in our XXXX home. We simply dont know where else to turn, as you will understand after reading our story. 

For the past 10 years, weve lived with the knowledge that our home is in pre-foreclosure status despite our best efforts to secure a loan modification from XXXX, XXXX XXXX, EverBank and now TIAA Bank. Full disclosure : We did renege on a previous modification that was unfairly handled by the banks ; for two years, we made monthly payments of {$2400.00}, but we simply could not afford the inexplicable 50 % increase to {$3600.00}.

Weve been told various different reasons why we dont qualify, creditworthiness, financial, not enough equity and the investor, who we've been told is XXXX XXXX but supposedly is XXXX, just won't approve it. The first time about five years ago was supposedly due to our credit, despite the fact that we had credit scores over 700 ; we have no car, student loan, or credit card debt ; and our small business has experienced exponential growth over the past few years, significantly improving our financial situation. 

We are taxpayers, members of the XXXX XXXX Chamber of Commerce, and supporters of our military and veterans as well as many local charities. Were assets to our community, even with the potential of losing our home hanging over our heads. It has also been a huge stress on my wife 's senior mother who we help out by having her live with us. 

We have an excellent accountant whos been helping us with the loan modification paperwork and has quite a bit of evidence to support that weve been given the run-around by the lenders. He also has two other clients in our same exact situation but different banks and he was able to get them both a loan modification. Weve paid thousands of dollars in legal fees over the past 5 years to prevent a foreclosure, but are truly stumped over what to do next. Were not even sure who owns our loan, as it was securitized. It was transferred to XXXX by a confirmed robo-signer and now XXXX XXXX claims ownership out of thin air. 

Its important to note that had a modification been approved 5 years ago, the money that went to our attorney and accountant would have gone toward paying down our loan. Instead, our arrears have increased, making it harder to get the loan modification and putting our house in a negative equity position. 

Can you help? We would really appreciate it.
Product: Student loan

Mohela sent me an email in XXXX letting me know my account was transitioning to a new platform. The email said to leave my auto-debit on, and my XXXX payment would be deducted as normal. I would have no access to the account until the transition was complete. 

On XX/XX/XXXX I received an email stating that the transition was complete and I could set up my new account. I did that, and saw that my XXXX payment had not been taken even though I followed all directions from their XXXX email. I also noticed that my account was in an administrative forbearance and no payment was due for XXXX or XXXX. 

I called several times in XXXX, XXXX, and XXXX. I was due to hit my XXXX month of payments towards XXXX in XXXX. My XXXX payment was not taken by Mohela even though I had auto pay on, and by the time I could access my account on XX/XX/XXXX, my due date had passed and additionally the account was in forbearance and I was told I did not need to make a payment AND THE MONTH WOULD STILL COUNT TOWARD XXXX. I was told this every time I called. 

In XXXX I submitted my final employment verification to XXXX XXXX XXXX so that my XXXX payments could be counted and my loans could be forgiven. Mohela told me to request a general forbearance at that time while my PSLF was being processed, so I did, starting in XXXX. 

In XXXX that form was processed and FSA is not counting the months of XXXX and XXXX because my account was in a forbearance ( that I did not request and I was not notified of ). Mohela repeatedly told me those months would count and can not provide me the " proof '' XXXX wants that my account was in admin forbearance. I was literally unable to even access my account in XXXX to make a payment, but had been told I didn't need to anyway because of my auto pay, which they never processed even though I've had the same auto pay banking information since 2014.
Product: Bank account or service

I opened a checking account online in Discover website on XXXX/XXXX/2015 and used a promotional offer from Discover. The offer code was " XXXX '' and as per offer terms and conditions if I open the checking account within XXXX and complete XXXX direct deposits of each no less than {$250.00} within 60 days, then I will get {$300.00} bonus in my checking account. 
My account was opened on XXXX/XXXX/2015 and I did complete XXXX direct deposits ( each direct deposit was much more than {$250.00} ) only within 30 days of my account opening. However, so far I have not received the {$300.00} bonus in my Discover checking account yet. I called Discover customer service quite a few times. But unfortunately they just asked me to wait without solving this issue at all. 
I request Discover to follow their promotional offer terms and conditions and post the {$300.00} bonus to my checking account as soon as possible.
Product: Mortgage

This is an extension of my original complaint which has been unanswered other than they are " working on it ''. I called on XX/XX/2020 and spoke with XXXX who stated she could see what the Fay servicing mistake was. They charged my account two times for the past due tax, which the money had already been taken from my prior payments the year before, through the original mortgage company, who hadn't sent those payments to the tax collector. So Fay was charging me double for two years of tax sending my mortgage balance up if that wasn't criminal enough! They took it one step further and reported it to all the credit bureaus which then reflected as a derogatory remark making a ripple effect with my other creditors, who then started reducing our credit amounts sending my credit report plunging XXXX points. 

This month they deducted an additional {$630.00}, not approved by me from my bank account for the erroneous increase to my mortgage payment. XXXX stated ( which still needs to be clarified XXXX that the increase should only have been {$180.00}. I've called them 2 times today and was disconnected the first time then called back and was told I had to show that amount cleared my bank before they would issue a credit. Someone NEEDS to step in here and put a stop to this company. I pay my mortgage on time never late, I shouldn't have to babysit " professionals '' who have such control to ruin a person 's credit and can willingly take whatever amount of money from your account without approval.
Product: Checking or savings account

Reference Case # XXXX We were never aware of alleged {$500.00} promotion bonus when we opened the account in XXXX of 2022. The only promotion we had was waiver of monthly account fees due to the large amount of business we gave US Bank. I do see the adjusted interest in the statement. Which is bazaar. Why not name things the way they are : Promotion bonus, for example. But that's not the issue here. THE ISSUE IS SOMETHING THAT COULD BE EXPLAINED AFTER I FILE A COMPLAINT, WHY CAN'T THAT SAME THING BE EXPLAINED ON THE PHONE? WHY ISN'T THIS INFORMATION EASILY AVAILABLE FOR BANKERS ASSISTING CUSTOMERS ON THE PHONE? WHY WOULD THEY PUT ME ON HOLD FOR OURS, THEN DROP THE CALL, THEN TELL ME HOW BAZAAR THIS IS BECAUSE THEY CAN NOT FIGURE OUT WHERE IS ALLEGED INTEREST CAME FROM. WHY? WHY NOT NAMED THINGS THE WAY THEY ARE, SUCH AS A " BONUS FOR OPENING ACCOUNT '' and confuse both customer service reps and consumers??? 

US BANK is spiring out of control, it's the worst bank in the whole nation, their system is set up to cover up illegal practices, as if they are hiding something from their own representatives. You have to waste time to file a complaint every time there is an issue because US Bank representatives are clueless, because their system is intentionally blocking them from seeing the facts in order to help consumers. This is an illegal practice, at best. Maybe, if they named things the way they are, we wouldn't have issues, or simply state the facts in their internal system for represntatives to see and assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The credit bureaus failed to comply with the Credit Reporting Act, Sections 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With that, I am asking for your help to correct the following late accounts : DEPT OF ED/XXXX XXXX Balance {$12000.00} Opened XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : {$490.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am assuming that the bureaus have been busy and haven't had a chance to get to my dispute letter 's yet it has been over 60 days since i sent my dispute 's regarding inaccurate items on my report and i still have not received any response yet. To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the XXXX  data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this issue as soon as possible.
Product: Checking or savings account

I was enrolled in the oops navy federal.I was charged so many fees that shouldnt have occurred.
Product: Credit reporting

I have a credit inquiry on my credit for XX/XX/XXXX by XXXX, and I did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my bank pulled my credit report, which showed an educational loan in collections with a reported balance of {$12000.00}. The bank also informed me that this debt was only appearing on 2 of the 3 credit bureaus. I disputed the debt with XXXX on XX/XX/XXXX, and on XX/XX/XXXX, they responded that the loan was valid. 
On XX/XX/year>, I contacted my school, XXXX XXXX XXXX, to inquire about the loan. The representative informed me that she couldnt see any record of the loan going to collections but said she would escalate the issue. On XX/XX/XXXX, I received an email from the school stating that my XXXX XXXX was with XXXX XXXX. 
Later that week, I called XXXX, they requested I update my information, and was told they could not provide any validation of the debt they can only direct me to log into their website using this updated information I provided them, where I found a banner indicating that the loan had been sent to Eastern Revenue for collections. I called XXXX again that week, and they confirmed that the loan must go through Eastern Revenue, and I needed to work with them to resolve it.

When I contacted Eastern Revenue, they told me they had no account under my name and refused to provide any written confirmation stating that I have no account with them. Despite this, the loan is still appearing on my credit report. 
I also attempted to dispute the debt with XXXX, but when I went to check my account, I couldnt find the loan reported there at all, so I was unable to initiate a dispute with them. 
None of the parties involvedXXXX XXXX, XXXX, or Eastern Revenuehave provided any proof or validation that this debt is valid or that I am responsible for it. Yet, the loan remains on my credit report, which is negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report because I'm trying to buy a home and noticed inaccuracies and/or incomplete information and accounts that are Unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681 Section 604, states the right to consumers ' privacy. Reporting agencies can not furnish an account WITHOUT my WRITTEN consent!

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety, or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( Closed Accounts/Charge-Off Accounts/Written-Off Accounts ) 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 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 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