23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year> I noticed some things incomplete and not accurate and according to the FCRA whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates all rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date account was open, date last active, payment history, date last payment was received, company also received payoff from gap insurance that they reported as a write off, the initial loan amount. Nothing about this account is accurate.
Product: Checking or savings account

I was charged over XXXX in overdraft fees year to date, most of which were charged after transactions were approved and cleared. I did request today a waive of some of the fees due to me being off work on medical XXXX, my direct deposit has stopped and I have not yet received my XXXX check. They did give me a XXXX credit however as a loyal customer I would hope that the bank would be more gracious with crediting some of the money back. I am happy to send the bank proof of being off work from XXXX until XXXX. Please assist
Product: Vehicle loan or lease

My problem is with XXXX XXXX, I finance a car with Ally in XXXX ( XXXX ) I was in a car crash in XX/XX/XXXX, my car was total lost. I did purchase a umbrella insurance with my financial manager from XXXX XXXX, XXXX Pay his part, the umbrella insurance pay his part and XXXX XXXX have to return back to Ally finance {$860.00} to finish to pay the car. I be trying to get this pay sence XX/XX/XXXX. They keep telling me the check was send when I call Ally they telling me is not true, in XX/XX/XXXX Ally made a 3 way call with them and we are told check will be made the week, so ally told me if they dont receive anything in 10 days they will let me know. So I have to go back a couple times to the dealer, every time they send me to different people and they promise me to have the problem fix and after that this person never call me back or return my calls. 3 weeks ago mr.XXXX XXXX told me they send the check, and like always is not true. I request a copy of the check send and like before they are not taking my calls anymore. They told me I was responsible any way for my car payment, I understand that, I was never late in one car payment, but I was inform by the insurance not to pay because the dealer can not cut the check in my name they only can send the check to Ally finance. And Ally was suppose to send the rest to me, sence at the time was only {$410.00} left to pay to Ally. Because of this problem My credit report was destroyed and my father as my co sign. The only think I request is for XXXX XXXX to be more responsible and pay what the own. I do have all the paper work as proof if I need to send anywhere. And all the names of people giving me the running around at the dealer. Sence I have to work full time, I cant go to the dealer everyday. And when I do have time I get very mistreated, Mr .XXXX even told me he dont like people like me, I told him was very rude of him talk to me that way because he doesnt know me. Please help me.
Product: Debt collection

when i spoke to them ( Meridian Financial Service , INC ) in XXXX i told them the credit report can't be right. i was told that this was a legal matter and that is way over due and if i didn't make a payment i would be sued. They asked me for half of the {$19000.00} down so i could then be put on a payment plan. I asked for proof of contract i got nothing. I know my rights and i need help.
Product: Credit reporting

I had outstanding state taxes due to the Georgia Department of Revenue ( GDR ). I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the GDR. The Trans unioin credit bureau is telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien Executions, stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Transition Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I asked the credit reporting agency to verification on my credit report. They did do one and stated that everything was accurate. I also did a thorough research as well and found improper inaccuracy in my report even after. 

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

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 Section A : It also states a consumer report can not furnish an account without written instruction.
Product: Debt collection

COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX-XXXX etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I Have been an a victim of Identity Theft for a few years now.. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Student loan

Student loan interest was supposed to start XX/XX/2023 and payments will be due XX/XX/2023. Per stidentaid.gov But Navient is charging me late fees for the past 90 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

ACCOUNT NAME:  XXXX XXXX 
ACCOUNT NUMBER:  XXXX XXXX XXXX XXXX  

DELETE THIS ACCOUNT DUE TO INACCURACIES OF BALANCE AMOUNT REPORTED XXXX ON XXXX XXXX AND EXPERIAN.
XXXX XXXX XXXX XXXX XXXX), WHO REPRESENTS XXXX XXXX XXXX PROVIDED ME BY MAIL VERIFICATION OF MY ACCOUNT DETAILS. 
PAYMENT HISTORY OF ACCOUNT DETAILS THAT ( XXXX) VERIFICATION PROVIDED, SHOWS BALANCE AMOUNT OF "XXXX", FROM XXXX XXXX XXXX UNTIL XXXX XXXX XXXX. BUT YET XXXX XXXX AND EXPERIAN SHOWS XXXX.
XXXX XXXX XXXX RESPONDED ON MY FEEDBACK THROUGH CFPB THAT MY ACCOUNT IS HANDLED BY OUTSIDE COUNSEL.  BUT YET I RECEIVED A LETTER IN THE MAIL XXXX XXXX XXXX GOT SAYS THE INFORMATION THAT THE CREDIT REPORTING AGENCIES ARE REPORTING IS VERIFIED AS ACCURATE AND COMPLETE BUT YET THEIR OWN COUNCIL XXXX XXXX XXXX XXXX SAYS DIFFER WITH THE VERIFICATION DOCUMENTS THAT WAS PROVIDED TO ME.
THE CREDIT BUREAU STATED THAT MY ACCOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE BALANCE AMOUNT IS DIFFERENT FROM THE VERIFICATION I RECEIVED FROM THE LAW OFFICE THAT REPRESENTS WESTLAKE FINANCIAL SERVICES THIS IS GROUND FLOOR REMOVAL THEY HAVE VIOLATED MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to issues with the Transition website on XXXX XX/XX/2020 which the service rep could not resolve I ended up purchasing their 3 Bureau report because I needed a copy right away for a business lease. I was not able to print it out and was informed by another rep the {$30.00} dollar report I purchased was only available for viewing online and not printable. She also informed me I could have looked at it for free as part of my subscription I've been paying for for about a year. 

Non of this information regarding the printing was XXXX available during the purchase. I couldn't review anything due to technical difficulties on their website and they refuse to refund the {$30.00} for the redundant report I purchased. 

So essentially I have paid Transunion about {$150.00} for a free credit report I can't even print out and they flat out refused to work with me on a fair resolution. 

Horrible business ethic on their part.
Product: Credit reporting or other personal consumer reports

I recently reported fraud on my account and I notified TransUnion, XXXX and XXXX and all of them closed my report without even looking into it, which is absurd. I need all 3 companies to do a full on investigation into this because it is affecting my credit. I would like to know what steps they took to investigate this fraud, how will it be prevented in the future and I will like it mailed to me as well. None of these companies proved these accounts are mine and they are reporting false fraudulent information and if not corrected, will definitely be added in a lawsuit I will be filing against them. I will also send this to the attorney general office just for a back up, cause I don't understand how a fraud case is being ignored.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fraudulent XXXX XXXX Account Dispute Dear TransUnion Dispute Department, I am writing to formally dispute a fraudulent account on my credit report. The account in question is with XXXX XXXX XXXX XXXX, with an account number ending in XXXX. I have attached documentation from XXXX XXXX confirming that this account is fraudulent and does not belong to me.

Please remove this account from my credit report immediately, as it was opened without my authorization and is negatively affecting my credit standing.

Thank you for your prompt attention to this matter. Please confirm in writing once the account has been removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has retaliated against me after my last CFPB complaint. I feel like i have been discriminated against have not been treated fairly. Previously, they provided incorrect information on my credit report stating that I was 30 days late XX/XX/2019. Well, after my last complaint with the CFPB, they have now added an additional 30 day late payment reporting for XX/XX/2019 reflecting that I'm 60 days late. 
I feel like I have been discriminated against even more after I filed a complaint. I have statements to support that I was not late for XX/XX/2019 nor XX/XX/2019 but they have added this to my credit file. Dropping my credit score down 16 points. I have asked if the XX/XX/2019 past due reporting could be deleted since the account is closed with a XXXX balance and was denied and a second late payment have been added. I intend to reach out to an attorney to see if I have any rights because this company has violated my consumer rights and I'm sure that they have broken many laws at this point. I have reached out to them on several different occasions and have been denied all rights that are fair and due to me. Please have someone who is interested in doing the right thing so that my credit report no longer suffers from their false and wrong doings.
Product: Debt collection

There was an account opened in my name and the credit card company wants me to pay it and in was a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to Navient disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, Navient responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached XXXX report 1. XXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Mortgage

In XXXX, 2022, Bank of America took over the processing of my mortgage from another lender. Since that time, there have been numerous mistakes. 
XXXX. No tax records. It is XXXX and I do not have my 1098 tax records yet. Bank of America claimed that they could not send me my tax records because they did not have my address although they are holding the mortgage of my home. The former lender had no problem sending me their 1098 tax records. Furthermore, I have received some mail from Bank of America since they took over my mortgage. Bank of America can not even manage to put my tax records on their website so I could obtain them in that way. 
XXXX. After spending time on the phone with Bank of America regarding my address, Bank of America still did not correct the address problem. Bank of America emailed me a 1098 tax form which still had an incorrect address. 
XXXX. A 1098 tax form that Bank of America emailed to me had incorrect information. The 1098 form stated that my original mortgage amount was {$130000.00} when my original mortgage was {$85000.00} and I have never missed a payment. Now Bank of America states that they need 10 business days to investigate. 

First of all, it is unfair that the consumer has no control over their mortgage. I did not want to do business with Bank of America because of their poor history of problems and yet my mortgage was switched over to them. Second, nothing happens when consumers complain about the mistakes made by banks. There basically is not government protect. Bank of America will continue to mishandle consumer accounts with no penalty. My complaint will just be passed to Bank of America who will respond with a generic answer and no consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report US DEP ED XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX   XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted comenity bank and paid my balance in full and requested account be closed. I asked them not to contact me anymore. 

Comenity bank has done the opposite. 
They have left my account open and are continuing to charge me fees. I have documentation of the interactions and am on the phone with them now. 

At this moment the rep is stating she has. has gotten rid of the additional fee and closed the account but will not send me an email to confirm this. Finally after I pressed her, She gave me a confirmation number which I don't trust because, she was unable to send a confirmation email attesting to what she did to change my account. 

When I go online they still have my account open like none of this ever happened a month ago. They have yet to send me confirmation of account closure or reversal of a {$2.00} fee. 

They told me that 24 hours needs to pass before I get a confirmation letter/email. I believe this is a lie since I am attaching documentation of the lie told by another rep stating may account was closed last month. 


My account remains open. 

I do not recommend this card for anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint for timeshare company XXXX. We spoke with one of their employees who claimed to not work on commission. Unfortunately I can't remember the name. They told us that we're actually making a good financial investment since we will be getting rental income - that is if we enroll in another program which we'll also have to pay for. We were lured into this when they also promised that we'll never have to pay maintenance fees again. They said the resale value would go up & it have some tax benefits similar to owning a 2nd home. Another predatory sales tactics they've used on us is telling us that is we went to quarterly " '' meetings '' '' and/or had friends/family members go to introduction meetings, it would actually take money off our maintenance fees. They also made it sound like we were given the privelege of having this special offer because they needed get a higher approval to give us the price offered. We were pressured & rushed saying it's our last chance to upgrade at the lowest price. They didn't even let us read the contract. We were defrauded by this timeshare company, they promised us things would positively different each time things got worse. We're really regretful of the decision in getting into this that obviously just gave us difficulties. This fraudulent account is being reported in my credit records and is hurting my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit report from XXXX. on XX/XX/2021. I did not apply for any credit and. would like this removed. I have been a victim of stalking and doxxing. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

reviewed my credit report and discovered a fraudulent account on my credit report. please remove
Product: Debt collection

I discovered the debt collector on my credit report. I mailed them XX/XX/2016 requested they provide full legal validation. They have not responded
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX SSN : XXXX DOB XXXXXXXX  TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. I AM REQUESTING COMPLETE DELETION BASED ON YOUR INVESTIGATION. 

Please investigate the following accounts : Bankruptcy XXXX  XXXXdischarged Reference number : XXXX -all account below are related to the bankruptcy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit le is a violation of my rights. 

Please DELETE ALL LISTED ACCOUNTS IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 

Thank you, XXXX XXXX
Product: Checking or savings account

Today is XX/XX/25 XXXXCapital One has been experiencing issues with accepting deposits and direct deposits. I am among thousands of customers who were left in the dark about this issue and now can not access our paychecks. The money went through, so my payroll company can not cut me a live check. Capital One withheld this information from customers until it was too late for the customers to make alternative arrangments for their paycheck. This has been going on for over a week now, ( Since thursday XX/XX/25 ) and they only just informed us today ( XX/XX/25. ) If I had know this infomation I could have asked my payroll provider to do a live check for me this pay period, but because I was left in the dark by Capital One, my paycheck is now in limbo. I have bills due, medication I need to buy, and I need groceries. Capital One acts as if " late fees '' are the worse thing that can happen to someone when they don't get paid, and they refuse to aknowledge that people have children that need to be fed, medication to buy, and maintenance to do on their cars. I need to buy a new tire before the snow so I can get to work safely, but now I can not do that. They need to fix this issue immediatley, and if they can't they need to find a way to get their customers their money. This is utterly ridiculous.
Product: Vehicle loan or lease

XX/XX/XXXX : purchased a XXXX XXXX XXXX along with a GAP ( Guaranteed Automobile Protection ) Debt Waiver Addendum priced at {$500.00} from Car Finance. 

XX/XX/XXXX : Refinanced with XXXX XXXX. Was told that they do not sell GAP. Received communication that a check was mailed to Car Finance. 

XX/XX/XXXX : Leased a new XXXX XXXX while relinquishing the XXXX. Was told at this time that I may be due a refund concerning the GAP. 

To date I have NOT received a letter from Car Finance stating that the loan was paid off. Per XXXX XXXX, I need that letter to receive the refund which was originally due to me when the loan was paid off by XXXX. 

I have called Car Finance, XXXX XXXX  ( the company they merged with in XXXX ), XXXX XXXX XXXX ( original dealer ), XXXX XXXX. The last I heard was that Car Finance has put this in the laps of XXXX XXXXXXXX XXXX consumer advocacy department. It's been three years. How much longer do I need to wait on this?
Product: Credit card or prepaid card

I had an account with Chime They asked me to provide proof of several things and I did then stated they decided to close my account and wouldn't give me a refund! How can they justify just keeping someones money? {$8100.00} remains in this account. I have been going back and forth with Chime/XXXX  via email since they closed my account XX/XX/2021 XXXX