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

Since XXXX of XXXX the primary loan holder and the co signer have been getting multiple calls a day from Exeter Finance about the car loan. There have been no late payments on this loan except for XXXX of XXXX, it was XXXX days late. Regardless of paying the loan on time every month. Exeter still calls multiple times a day well before the loan is due for the next month ( if payment is due in XXXX weeks they will call everyday up until the due date ). We have spoke with them numerous times expressing exactly what dates the payments will be made on and they still continue to call even after that. 
From XX/XX/XXXX- XXXX XXXX they have called 3 times a day consistently on the primary holders phone and work number ( they have been asked not to call the work number and they still continue ), while also calling the cosigner the same amount of times everyday. XXXX of XXXX there was a late payment but half the amount was paid ( {$300.00} ) and they were made aware of that and told when a payment would be made. Despite that they continue to call and now the cosigners credit score has dropped significantly due to the XXXX  day late payment. There have been some financial hardships and they have not been lenient even at all even though this account has never had a late payment since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit account amount of XXXX is Im my report fraudulent and I have been forced to pay to keep my credit from being damaged Im asking that all three bureaus do proper investigation and remove these accounts from my report XXXX XXXX XXXXXXXX from all three of my credit reports immediately and completely asap and all inquiries I have a ftc report and will be uploaded it as well
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject-dispute of inaccurate Information on Credit Report I am writing to formally dispute Information on my credit report in accordance with the provisions outlined in 15 U.S. code 1681 i have carefully reviewed my credit report and i have identified the following inaccuracies : XXXX XXXX XXXX XXXXXXXX Amount- {$300.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXX XXXXXXXX Amount- {$2400.00} - - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXXXXXX Amount- {$600.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXX XXXX Amount- {$27000.00} - I do not have a contract XXXX this company and i don`t owe debt, please IMMEDIATELY I am Requesting a thorough Investigation into these items, as they are not reported accurately. i have included supporting docs that substanitate my claim. 

Please ensure that these docs are taken into account during your investigation. 

According to the Fair credit reporting Act ( 15 US code 1681 ) you are required to compete your investigation within 30 days of receiving this letter. i kindly request that you provide a written response, including the results of your investigation and any actions taken, within the timeframe, if you determine that the information is indeed inaccurate, i ask that you promptly Correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I log into my Experian online account to review my new credit score because I received an email congratulating me for my credit score increase ( It was at XXXX yesterday ). When Iogged in my score was XXXX. I checked my XXXX XXXX XXXX XXXX account and they have marked me with MASSIVE 30, 60, and 90 day late payments from last year and the year before. This is beyond inaccurate and I am on time with all my payments. I have massive prove from XXXX, XXXX and credit reports from Experian last month that all bills for XXXX XXXX XXXX are paid on time. Experian is messing up my score and my business. It is unacceptable and there are a few technical difficulties. I want this fix quickly
Product: Credit reporting or other personal consumer reports

Ive been waiting for days for Equifax to provide me the free credit report and they havent. I spoke to XXXX who gave me the case # XXXX, telling me itll take hours for the issue to be fixed and its been days. 

Same thing with XXXX, cant see the report or the score, even that I paid for it. Theyve been having technical difficulties for ever. I had to submit a complaint in my card. XXXX has always had a mess with my information and I have provided several times my IDs and still having issues.
Product: Debt collection

This is in reference to the dept to XXXX XXXX XXXX, opened XX/XX/year> with account nimber XXXX. I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. They are also contacting me repeatedly. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  {$530.00} XXXX have violated my rights. 

15 U.S.C 1681 c-2. States block of any information resulting from identity theft 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 an 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 card or prepaid card

Payment in the amount of {$60.00}, an e-bill payment made through my bank, XXXX, on XX/XX/XXXX, has not posted to my account as of XX/XX/XXXX. I check my online account ending in XXXX today, it does not show payment posted, payment amount due shows {$52.00}. There appears to be an error with Continental Finance posting the payment, needs to be investigated. I've experienced this issue prior, a rep stated payment would post as of date received and no late fee if on or before due date. I believe this payment should be reflected as on time, made on XX/XX/XXXX electronically through XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am currently in review for a loan modification and have provided all documents to be considered. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is postponed. Any assistance you can provided with the postponement will be appreciated.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ Creditor 's transunion for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Company continues to furnish fraudulent information to my report. Company is in direct violation of USC 1680. Company is also in direct violation of 15 USC 1605. We will seek legal action if not resolved. 

Acct # XXXX
Product: Debt collection

In XXXX of 2016 I moved out of my apartment and across town to another complex With the move I signed up with a new electricity provider and called to cancel my service with XXXX XXXX XXXX. The following month I was charged for another month of service from XXXX XXXX at the old address and when I called them to ask about it they told me they did not disconnect the power and my best option was to put a stop payment on the extra month. I did so and now a debt of {$200.00} is with the collection agency Convergent Outsourcing Inc. I have tried explaining my position and even settling the debt to clear my credit report to no avail. I have never missed a payment on anything and before this incident my credit score was nearing 800. I wish I had documentation to help my argument but I was just a XXXX college kid at the time and didn't think my credit would get ruined by this.
Product: Mortgage

I have a loan with Rushmore Loan Servicing at XXXX XXXX XXXX XXXX, XXXX TX, XXXX on property and I am closing on the sale of this property on XX/XX/XXXX, I have requested payoff quotes on XXXX, XX/XX/XXXX and XX/XX/XXXX ( the last time I spoke with supervisor " XXXX '' who stated he would personally handle and get it to me via email within 24 to 48 hours and call me back. 
This has not occurred, nor has this been emailed as promised on XXXX or mailed on XX/XX/XXXX as promised. Now, I am facing the potential of the sale not closing due to lack of action on the part of Rushmore Servicing, this could potentially cost me thousands of dollars if I need to go back to market with my property.
Product: Debt collection

Company posted negative false report on my credit report. I never had said account and I have reported it as false identity and notified credit bureau and collection company. Date opened on credit report XX/XX/2018, last updated XX/XX/2018 on my credit report. Amount that is stated that is owed is {$490.00}. 

I have disputed this with credit bureau and with collection company and notified them that i never had this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like XXXX XXXX XXXX at this point its been a back and forth battle with Experian. This account from XXXX bank doesnt belong to me, Experian is well aware that I was a victim of identity theft, they even provided me with a complimentary membership!!! Ive provided affidavit as well, so I was suprise when I receive an alert that this account was accurate. They made no attempt to reach out to this company. THERES NO NOTICE OF DISPUTE, I also saw that in there notes they discussed dates???? Whos reviewing the concerns of the consumers at Experian?! Please remove account
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX XXXX XXXX which is issued through XXXX XXXX. Mind you I have two other open and active accounts with XXXX that are both in good standings. I've had them for many years. Supposedly, according to XXXX XXXX XXXX, my report is pulled from XXXX, however there isn't an inquiry on there. I later found out my consumer report was provided by a company called SageStream out of XXXX XXXX, CA. Never heard of them. They reported the following false information which is absolutely absurd to be used for credit worthiness decision purposes : Limited history of consumer at this address Date of issuance of applicant 's SSN does not match date of SSN of peers Limited history of consumer at application phone number Point # 1,  people move all the time. People buy/sell their home. People move from one rental property to another. This should not be a factor against someone. In my defense, I just bought a house. 

Point # 2, what does this even mean? I've had my SSN since the day I was born. Where in the world did they pull this ridiculous information from?! 

Point # 3, I've had my cell phone number for so many years. Why would a phone # even be a determining factor for approval?! Doesn't make any sense. 

Someone needs to really look into SageStream. To me, they come off as a fraudulent company. They have poor customer service practices and only refer you to their website. They will not assist you over the phone. The lady I spoke to stayed quiet the entire phone call and kept repeating I refer to their website which asks for your SSN. 

I am highly surprised a company such as XXXX and XXXX XXXX use SageStream for consumer credit reports. This is SageStream 's information : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding several disputed accounts on my credit report. I have previously raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit card

A credit card was opened in my name and came up on my credit report. This account was opened without my knowledge or consent I disputed it through XXXX and the dispute came back accurate but I am postive this card does not belong to me
Product: Payday loan, title loan, or personal loan

Payday loan was taken out on XX/XX/23, contract signed to automatic payment on XX/XX/23. Checksmart processed the payment on XX/XX/23. And their online suggestion is come back in and take the loan out again and we can offer half off the fee ( fee is {$88.00} ). We have contact the store manager and corporate and no one is willing to help with their error.
Product: Credit reporting or other personal consumer reports

I am urgently address the continued presence of fraudulent items on my credit report despite my previous attempts to have them removed. Despite providing all necessary documentation and following the prescribed procedures, the fraudulent items persist, negatively impacting my creditworthiness and financial stability.

As you are aware, I previously initiated a formal dispute and provided detailed documentation to support my claim for the removal of the fraudulent items from my credit report. However, to my dismay, the fraudulent items remain unresolved, casting doubt on the accuracy and reliability of my credit report.

The continued presence of these fraudulent items undermines the integrity of my credit profile and poses a significant threat to my financial well-being. As a responsible consumer, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize.

Furthermore, the delay in resolving this matter and the lack of communication regarding the status of my dispute have further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the persistent presence of these fraudulent items, leaving me feeling disregarded and vulnerable to further financial harm.

I urgently demand immediate action to thoroughly investigate and rectify this situation by expediting the removal of the fraudulent items from my credit report. Given the urgency of this matter, I request prioritized handling of my dispute to ensure a swift resolution.

Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will compel me to escalate this complaint to regulatory authorities and pursue all available legal remedies to protect my rights as a consumer.

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this urgent complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX, XXXX, XXXX, XXXX - XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.