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

I refinanced my vehicle loan with First Investors Financial in XXXX of XXXX. There was a ton of back and forth with me having to pay my old lender because checks weren't sent on time, then they were asking for payments too, etc. We finally got that straightened out and I was able to make my first loan payment. 



Unfortunately, I have numerous health issues. The main one being that I am 100 % XXXX  in one XXXX  and 80 % XXXX  in the other. This leads to frequent FMLA leave usage from work where they won't fire me, but I also won't get paid. 



I went through a horrible period where I had multiple surgeries and was out of work for a good period of time. My wife, who is authorized to speak on my account, called in to see if we could get assistance with catching up on payments since I am now back to work. 



To begin with, every person she spoke to was rude to her. She got put through to an account manager that told her that my loan had not been up for repossession review but since she called, she was going to push it through for review. My wife called to work out a solution and was told her call just made things worse. 



The rep didn't listen to my wife when she tried to explain our situation. Instead she strong-armed my wife into a payment plan that my wife told her we couldn't possible meet. We requested an extension, or to tack the missed payments on to the end of the loan, but she refused to do anything but basically force us to make 4 payments in one month. 



My wife made a payment of {$640.00} on the XXXX of XXXX as agreed. Then the other 3 payments were to be made on XX/XX/XXXX. However we only had enough money to make 1 payment of {$640.00} on XX/XX/XXXX. We are still behind XXXX, XXXX, and XXXX. My wife scheduled another payment of {$640.00} for on XXXX. 

Now I get a letter in the mail today XX/XX/XXXX. That was allegedly sent on XX/XX/XXXX saying I have 13 days to pay {$3000.00}. Getting the letter today has essentially given us 2 business days to come up with {$3000.00}. I struggle to believe this letter was mailed on Thursday of last week and is just getting here. 


We are trying our best to catch up on these loan payments, however we are receiving no help and just outright rudeness when we call to ask for help and also questioning why it is my wife doesn't work. I had not anticipated being off of work for the better part of a month and missing payments. I am now back to work and can keep up with the regular payments, but I we don't have enough to catch up on XXXX quick enough to stop repossession. 



We are just asking for an extension of XXXX payments and fees to the back of the loan so that we can make our XXXX payment and be current and not have to worry about the threat of repossession. Any help is greatly appreciated. First Investors should have a phone number to reach my wife or my e-mail address.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my I phone was pickpocketed on the bus then the theft got into my chase online bank and made two transactions that were {$100.00} and {$1900.00} by XXXX. I have a police report and contacted XXXX they said Chase Bank have to handle the case. Contacted Chase with the police report requested why they denied my return of my money. They said that I authorized the XXXX payment which at the time my phone was disconnected. The phone was hacked. Got into my account in my Husband account and transferred money to another country. I contacted Chase multiple times on this, letting him know that it was not me that made the XXXX transaction chase bank did not be twice. And I sent them the police report. I have the information of the detective who handed the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what kind of credit card XXXXXXXX XXXX XXXX issues. My identity has been stolen, I lost my wallet a few years ago & made a police report due to my debit card being used and cell phones being applied for under my social security number. I also had not been contacted about this debt nor had any knowledge until I pulled my credit report. Apparently, the debt was sold to a third-party company that purchased charged-off accounts in bulk for pennies on a dollar in hopes of collecting a debt. I have not been contacted before being charged off nor sold to this company. I will speak with an attorney if this debt isn't removed.
Product: Credit reporting or other personal consumer reports

My loans were scheduled to be transferred in XXXX to EDfinancial yet when I applied for a different program they instead went to XXXX. Therefore an account was never initiated with EDfinancial. I received the attached correspondence and an email from the USDofE notifying me of the transfer. EDfinancial is reporting my loans on my credit report, $ XXXX. XXXX is reporting my loans on my credit report, $ XXXX. It shows that I owe nearly $ XXXX in loans and this is simply inaccurate. My account with XXXX is actually {$0.00} ( as of XX/XX/XXXX ) since my loans are now paid in full. Yet EdFinancial is reporting a balance, payments received and delinquent payments with the most recent payment as of XX/XX/XXXX. I have zero record of this and have never paid them nor have I set up any account or consented to any bank drafts with them. I have filed numerous disputes with the credit bureau only to be told that the information ( my name, account number, date and amount owed ) is accurate so they won't remove. I initially spoke with EDfinancial ( a recorded call ) and explained the situation ; they could not locate any record of my ss #, credit report account number nor the account number I have on the single piece of correspondence I received from them, a welcome letter ; which this account number differs from what is on my credit report. They took my information and I was told they would investigate and update me with a letter within 10 days. This never happened. I have called them continuously for the past two months with no contact, either their phone goes to 'we 're sorry, circuits are busy ' or they say the hold time is 600 minutes or that they will call back when my place in line is up. I have never received a call back. I have mailed a letter to them via certified USMail, I have emailed them, I have initiated a chat on their website, it is offline continuously. I can not log in nor create an account on their website with my credentials, it says that my information is not found ( screenshots attached ). I do not know how else to have this matter resolved. I would like this info from EDfinancial removed from my credit report as I do not currently nor have I ever been in debt to them for a student loan.
Product: Mortgage

since XX/XX/2013 I have been applying for loss mitigation and have always denied saying they did not receive the documents they asked me, I even went with an organization that helps those who made me all the paperwork and sent the required documents, but when I called the specialist assigned for the Bank who never answers only record label, said that the Organizations had sent compressed documents and it could not be opened, it is clear that the bank is not suitable to accept my applying for loss mitigation denied on the pretext of not receiving my full documentationEven though I meet all the requirements for this program, The last time call with an employee of HOPE and they said they already had all completed documents, however just receive a letter from the bank saying that they Declined because they do n't have the required documents. I call the specialist they assigned me but were unable to attend me, and meanwhile my debt continues to grow and foreclosure continues for sale. This is my only shelter, I am a senior citizen and need to stay home if they approve my applications, I can make my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I contacted chase at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX XXXX {$1800.00} PAID XX/XX/XXXX Chase updated the accounts at XXXX, XXXX, and XXXX by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and Chase has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for XX/XX/XXXX as samples.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report with Equifax that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from them stating ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. Equifax : XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX & XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX  XXXX XXXX/XXXX/XXXX. I did not authorize these inquiries with any of the above listed companies on or around these dates. Thank You for your time.
Product: Debt collection

Debt occurred from identity theft and the collection company didn't even verify this account. XX/XX/2023. {$1000.00}, lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX  credit report that is fraudulent and I would like to have this inquiry removed. The date of the inquiry is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I Submit through the mail to XXXX  XXXX  and Trans Union Deletions to credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless
Product: Credit reporting or other personal consumer reports

Fair Collections and XXXX XXXX XXXX  out of XXXX Maryland refuse to remove an account on my credit report that I paid. According to their record the account was open XX/XX/XXXX and was closed XX/XX/XXXX. I just received a copy of my credit report today XX/XX/XXXX and this account is still showing on my credit report. How do I get them to remove this from my report. I cited the 15 U.S. Code 1692c ( c ) in my attempt to have this remove from report.

15 U.S. Code 1692c ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) that states that a debt collector must stop communicating with a consumer if the consumer requests it in writing : The consumer must notify the debt collector in writing that they refuse to pay the debt or want the debt collector to stop contacting them.

The debt collector may still communicate with the consumer to notify them that they intend to take a specific remedy.

The FDCPA also prohibits debt collectors from communicating with consumers without their consent or a court order. This includes : Communicating at inconvenient times or places Communicating with an attorney unless the attorney consents or fails to respond within a reasonable time A debt collector can be liable under federal law if they fail to honor a request to stop contacting a consumer. A consumer can send a cease and desist letter to a debt collector via certified mail. The consumer should keep a copy of the letter for their records.
Product: Credit reporting or other personal consumer reports

I received information from another credit monitoring system, my personal information was shared on the dark we. Then i noticed inquires that I'm not familiar with, so please remove them. 

XXXX XXXX XXXX XXXX , New Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX # XXXX
Product: Checking or savings account

Navy Federal Bank allowed charges to go through when funds were not always available causing substantial overdraft fees. 

Opened account in XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I traded in a XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. I gave the dealership the pay off information for the XXXX XXXX XXXX with the company 's name which is Bridgecrest. When I was first contacted by Bridgecrest, I informed them the vehicle was traded in and it was in the hands of XXXX XXXX XXXX. I was asked by the caller if they were going to pay the vehicle off and I said yes they were. Then they pulled up my account and indeed saw a pay off request was done on the very day of the trade in. They also told me they would document the pay off date which was at the time good through XX/XX/XXXX. On XX/XX/XXXX, I was contacted again about payment and once again I told them the vehicle was traded in. As the caller went through my account, she indicated that XXXX XXXX did in fact contact them because they were sending them the pay off and the new pay off was good until XX/XX/XXXX. All I could tell them was ok but I no longer have the vehicle and if XXXX XXXX contacted you and told you they had the vehicle and they were paying it off, why call me? I was told I will still continue to receive phone calls until the pay off check was received. At this point, this is indeed harassment and it is illegal to harass someone after you were told and it's documented in the account that XXXX XXXX has the vehicle and they are sending you and pay off. Everyday, Bridgecrest continues to call and harass me and every single time, they indicate the vehicle is in the possession of XXXX XXXX and they are waiting for the pay off check but they have to continue to call me. No, you do not need to call me if the dealership told you they were paying it off and they are the ones in possession of this vehicle. I will be looking into speaking with an attorney regarding this harassment.
Product: Debt collection

My billing is incorrect I have notified them almost monthly. This is a furniture finance and It has promotions that excludes interest if paid by promotion dates I have paid all of the promotions by the date due to have them closed but there is one for XXXX that was paid and I am getting billing stating that it has not been paid and it's past due which isn't true The rep/sup XXXX threatened me and said that if I didn't pay today I would lose my promotion I attempted to inform him that the bill is incorrect and I needed it to be corrected prior to payment to ensure I am paying correct amount. I am willing to pay what I owe and nothing else To have manager call me to resolve billing issues send an accurate bill and remove all or any late fees
Product: Debt collection

the collection company summonsed me to come to the court in out county court. and judge dismissed there claim and did charge the summon. the collection company still holding me hostage on this account in consumer credit reporting agency. i sent the copies of court decision to all three buraus but they are still keeping that account in my file. I want this to be removed from report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was born XX/XX/XXXX This account was opened XXXX by my Father who has the same name. 
I was only 5 at the time the account was opened. 
Its more than 9-10 years old ( the acct ) and is closed/has been.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$4300.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wi
llful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize nor consent to the following inquiries being furnished on my consumer report. XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Experian XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian This is a violation to all 3 credit report agencies experian XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute 5 years ago on XXXX credit card service. It had been removed off all credit reports. They will change my name off by one letter or change address to have Experian have it reappear on my credit report  .Experian XXXX having XXXX reappear on my credit report. I have sent in my police report, revoked any power attorney, never gave consent for XXXX to use my name or to put anything on my credit report. I want Experian to remove XXXX off my credit report and block them.
Product: Credit reporting or other personal consumer reports

I applied for a mortgage loan. The lender said they couldn't get a report from Experian. I called Experian and they said it was an address issue. I haven't moved from my residence in over 5 years. The address they have on file is correct. But for some reason they cant update my credit report or score. I have a credit report that dates back from XX/XX/XXXX. I have since filed 2 disputes in XXXX. I have provided them with my license and a updated bank statement with my address to prove I live at my current address. I have called several times trying to understand why I cant get a updated credit report over an address. This issue has started back XX/XX/XXXX. It is now XX/XX/XXXXXXXX  and they still have not updated my credit report. They keep giving me the run around it will update 24-72 hours. I have done my due diligence in trying to resolve myself.