23daVinci/CFPB_Complaints huggingface dataset:
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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to complaint to XXXX XXXX XXXX  about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX is allowing these credit card lenders to submit payment status over and over within a month time. I dispute it and it's denied. You can only submit 1 time a month when I fail to make payments. My score has dropped XXXX plus due to this and the companies are sending the reports not at once but multiple times on multiple days to each bureau
Product: Vehicle loan or lease

I paid for a warranty for this car, Santander consumer stated that the warranty had cancel after to the car was in auto shop month in half, Santander knew about the issue with the car and welling to provide assistance to service the car. I spoke with several rep and no resolution .This car is not in woking condition to be driving XXXX is reporting inaccurate and wrongly balance to my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Formal Dispute : Request for Immediate Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the inaccurate information that has been reported on my credit file by your agency. This letter serves as a formal complaint against the reporting of erroneous late payments associated with my XXXXXXXX XXXX account ( Account Number : XXXX ). 
The specific inaccuracies include : XXXX and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These late payments have been wrongly attributed to my account and are causing significant and unjust damage to my credit score. Despite my attempts to resolve this matter directly with XXXXXXXX XXXX , they have failed to respond within the legally mandated 30-day period as required by 15 USC 1681i ( a ) ( 1 ) ( A ), which governs the procedures for the reinvestigation of disputed information. Their failure to comply with federal law in this regard has forced me to escalate this matter directly to you. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies like yours must ensure the maximum possible accuracy of the information contained in my credit report ( 15 USC 1681e ( b ) ). By continuing to report this incorrect information, you are not only violating my rights under the FCRA but also contributing to the ongoing harm to my creditworthiness.
Product: Checking or savings account

To Whom This May Concern : This event occurred over XXXX years ago, through Bank of America. Unfortunately I was scammed and as a result my bank account closed and I have been unable to open another. At that age XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was applying for jobs and I received an interview and was offered a position with a company, in which the name I can not recall. It was supposed to be a remote job where They sent a check to my house that I needed to deposit in efforts to purchase a home computer system to complete my daily tasks. Unfortunately, I was naive and wasnt aware of this type of scam. When I deposited the check, my account was flagged and subsequently closed. The bank kept all of the money I had in the account, which amounted to more than the fraudulent check deposited, so I am uncertain as to why I have been unable to open another checking/savings account all of this time. I would greatly appreciate assistance in resolving this matter and restoring my ability to own a checking and savings account in my name. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Rights are subject to be held under 15 USC 1681.

Equifax is govern by 15 USC 1681. My rights were in fact violated on numerous occasions. According to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish the accounts below and demand they be removed immediately. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX
Product: Debt collection

About ten days ago ( XXXX XXXX, 2017 ) and again today ( XXXX XXXX, 2017 ), I received two phone calls with voice-mail messages left on my phone. Caller is male, sounds foreign ( XXXX? ), identifies as " XXXX, with ID badge No. XXXX, calling from Americollect.com ''. He claimed he was calling " about a debt '' but did not specify what or owed by whom, and left a return number of XXXX. XXXX invited a return call or to chat online with him at XXXX. <P/>I have no debts outstanding in any delinquent status, so this sounds like a scam.
Product: Credit reporting or other personal consumer reports

I believe my credit has been ran without my permission multiple times. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Bank of America is in the process of modifying my mortgage. Bank of America has misled me by charging me for services never performed. The charges make my true payoff significantly different than the true balance.
Product: Vehicle loan or lease

I setup a reoccurring payment with Toyota financial services on XX/XX/2017 to pay the loan on my new truck. The payment that was setup ended up being {$50.00} less than the contract amount. Toyota financial services made 10 payments at that amount and ended up charging me late fees with each payment and snowballed the account and reported it as being in default on my credit report. All 10 payments were made on time but since the reoccurring payment system withdrawal was for {$50.00} less than the contract amount. Toyota financial services never contacted me about this issue. The payment system should not have allowed the payment to be processed for less than the amount due. When I contacted them they would not return my call as promised and several email attempts have failed. I paid the account up to make it current and also adjusted the reoccurring payment to cover the proper amount due each month. I feel that Toyota financial services allowed this default to occur and collected on the late fees. I want all late fees removed from my account a don my credit report updated to show that all payments were made on time.
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX. XXXX closed the complaint alleging it was a duplicate of CFPB complaint XXXX. I have filed disputes with both XXXX and XXXX to fix errors for the account/tradeline. XXXX alleges the account was charged-off. The CO annotations can only exist with respect to an accurate Date of First Delinquency ( DoFD ). According to XXXX data, the alleged CO status and monthly " CO '' derogatory indicators for this acct/trade begin XX/XX/XXXX. Yet documents generated by XXXX 's own system allege the CO took place in XXXX XXXX. What's more XXXX alleges the CO too place in XX/XX/XXXX. TransUnion and XXXX data exhibit similar anomalies for the account/tradeline. Clearly there is a discrency between the dates XXXX alleges the balance for the account was changed to loss. XXXX, XXXX, and TransUnion need to prove the DoFD was within the 150 days immediately prior to the CO date they are reporting the first CO annotation, or remove any and all derogatory CO markings they are reporting for the payment history with status codes, and remove any charge-off narratives.
Product: Consumer Loan

I co-signed a vehicle XXXX with the XXXX as my co-signer, and my car was re-possessed when I tried to get the car fixed when it was dismantled. The car was parked in XXXX and my ex-husband returned the car and made a payment of XXXX per his hearsay, and now my credit is low and I have issues with opening credit because of his Fraud and XXXX XXXX XXXX was the man who co-signed for me at Wells Fargo under the name XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I received a copy of my consumer report from telecheck and a fraudulent check was written in my name to XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, my XX/XX/XXXX payment in the amount of {$2800.00} was not applied correctly. {$1200.00} Interest amount was due ; {$1500.00} Principal amount I paid applied. 

Ditech Billing Statement for XX/XX/XXXX showing amount due of {$1200.00} for interest. 

I called Ditech on XX/XX/XXXX and informed about the mishandling of the payment I made for the month of XXXX. The customer service representative argued that it was applied correctly. I asked for a manager and was told there is no manager available. 

I then submitted a message using the Message Center option online. 

I follow up on XX/XX/XXXX, using the Message Center option online. 

In between all these attempts to resolve and apply for my payments appropriately for XXXX, I continued and paid the XX/XX/XXXX payment given the refinancing is not completed. The payment for XX/XX/XXXX, was issued on XX/XX/XXXX. 

To show proof that my account was completely mishandled by Ditech, there was no XX/XX/XXXX, due to date billing statement sent to me. I am providing you copies from XX/XX/XXXX through XX/XX/XXXX as a proof what was sent and able to obtain online. 

Meanwhile, XXXX, the new lender I was working with to refinance this loan, continued to work with Ditech. The payoff balance including interest per day amounted to {$380000.00}. 

The payoff process was completed on XX/XX/XXXX, and disbursement of loan money was done on XX/XX/XXXX. 

As you can see no adjustment made on payments I made for XXXX and XX/XX/XXXX. Which resulted in higher loan balance and interest before the payoff. 

On XX/XX/XXXX, I sent another follow up using the message center. 

On XX/XX/XXXX, Ditech returned portion of the unapplied payments I made for XXXX and XX/XX/XXXX in the amount of {$2500.00}. However, the full amount that I was expected was not returned. No clear explanation of how they derive the refund amount of {$2500.00}. See below copy of the check. 

To date, Ditech has not responded or sent the remaining balance of my payments. The bottom line on this complaint is that there is no interest payment due to this loan given it was already paid off. Ditech needs to return the total amount that was not applied at the time this loan was paid off. The remaining balance owe to me amounts to {$2700.00} which includes the interest amounts for XXXX {$1200.00} and XXXX {$1200.00} along with the remaining extra principal that I was not applied and not included on the XX/XX/XXXX, refund in the amount of {$110.00} ( {$2600.00} extra principal payments not applied : XXXX {$1500.00} and XXXX {$1100.00} minus refund of {$2500.00} ). Total amount issued to Ditech for XXXX {$2800.00} and XXXX {$2300.00}. 

I am hopeful for your assistance to review and forward this matter to this institution. If you need additional information, please email me at XXXX. 

Attached is a copy of all pertinent documents for this complaint. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account XXXX XXXX XXXX XXXX  XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan with the intention to pay it off in less than a year. The amount was for {$1200.00} I knew when I took out the loan the interest rate was 223.99 %, Per the contract the interest accures daily. I have made 12 payments for the total of {$1200.00}. I contacted the company ask them for a payoff and they are still charging me the full amount for 2 years of payment. I ask if they would be will to negotiate a payoff and they kept repeating to me that interest is accurred daily and the payoff will not change. The interest they are charging is more than double than what I borrowed. I misunderstood when I read the contract I thought I would be able to payoff early and reduce that amount of interest that I would be paying back. I also have a debt consolidation company I am working with and they will not talk with them unless they have a power of attorney on hand. I offered to send it to them and they said they would have to get from the company that I am working with. I have tried to work with them. The only thing they would do was stop payments for 30 days. I have fallen behind on bills because they will not work with me.
Product: Student loan

In XX/XX/XXXX I was forced into an automatic debit setup with Navient to avoid negative reporting with my student loan. They threaten me with credit reporting issues and although I advised I couldnt pay, the rep made me feel like I had no choice. I was advised that the only way they would work with me was to setup automatic debits from my account which range from $ 80-89! although I was given a set amount, they never debit that set amount.
Product: Debt collection

This collection agency, I.C. Systems Inc, has listed a collection account on my credit files in the amount of {$370.00}. I have never done business with I.C. Systems Inc. I do n't have a signed contract nor any other type of contract with I.C. Systems Inc. I have the right to demand to see a signed contract between myself and this company as well as validation of this debt. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and I.C. Systems Inc.and complete validation of the debt pursuant to FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that Equifax was hacked and personal data was given to unauthorized person ( s ). I checked if I was among those people and I was. I am afraid my data was given to some entity without my permission nor was it legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX is reporting an outstanding balance of {$120.00} that I am unaware of. It states that the original creditor is XXXX XXXX but I have no knowledge of a balance due. I have not been given a statement and when requested a validation of debt, was refused one to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX  # XXXX, has violated my rights under. 

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 

15 u.s. code 1692b harassment or abuse
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer financial Protection act ( CFPA ). Specifically, Cash App failed to timely and effective measures to address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution processes unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I was a victim of identity theft. There are XXXX accounts in collection on my consumer report. I have never done any business with. Nor have I signed any agreement to contract. I have no clue who they are or how they obtained my personal identifiable account information without my permission. If this is a third party collection agency I never consented to sharing or use of my information. I have filed an identity theft report and can provide a copy of my copyright notice they are in violation of.
Product: Money transfer, virtual currency, or money service

Sold a speaker for approximately {$260.00} on XXXX to a buyer that had a new account and no ratings. Item was sent to the buyer and once it was delivered I had to wait three days to withdraw my money. 

Third day came and I initiated a withdrawal. Everything was fine and approximately 12 later I receive a message that my withdrawal had been canceled and my account was limited. 

Support gave me a 24 hour timeframe. I still have not heard back from them. 

Looking for somebody to step it and get this taken care of. I filed XXXX complaint as well.
Product: Payday loan, title loan, or personal loan

I have a complaint, wrong and false information because identity Theft, for Personal Identification stolen to Public Name and Person. 

Wrong Dispute, Never had Credit Card or Any Loans in any matter. everything paid with cash sells. particulary wholesale.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I requested that LexisNexis validated the Banktuptcy listed on my LexisNexis consumer file. I received no answer, and on XX/XX/2020 I sent a follow up letter again requesting from LexisNexis to send me the documents that they used to verify the bankruptcy, and if such documents can't be produced to delete from my report. I received a letter back from LexisNexis on XX/XX/XXXX, more than 60 days after my initial request, dated with XX/XX/2020. In The letter LexisNexis claims that they verified the bankruptcy and it's accurately reporting on the report. They failed to fulfill my request to provide the documents and procedure they used to determine the accuracy of the disputed bankruptcy. In the letter LexisNexis include that the Fair Credit Reporting Act gives me the right to request a description of the procedures used to determine accuracy, however they fail to provide said information as requested in my 2 letters sent to LexisNexis in XXXX and XXXX. Furthermore neither court or pacer report to or verify accuracy of information to 3rd pats companies, and existence of the information is not evidence and can't be used to verify who it belongs to. LexisNexis Case numbers listed on the communication sent to me : XXXX, XXXX, XXXX.
Product: Mortgage

I applied for a refinance with Quickens loans. Initially wanted a loan with no out of pocket expenses. When I realized that the cost of the refinance was close to approx $ 8k, I decided to not finance the cost of the loan. From that point on, I had issues. # 1. I ask the agent to re-calculate the loan based on my paying the costs. I only wanted to finance the amount of the payoff. # 2 Approx 2 weeks passed and no such document was disclosed, but my payoff amount changed online. I called the closing team, and asked why I did not receive a redisclousre showing the new loan amount and when I looked at the online summary, the payoff amount changed. # 3 It kept changing, and the loan amount kept changing. The 1st disclosure document I received showed the final dollar amount of the payoff to be {$130000.00}, I asked why would it change. I was transferred to client relations and spoke with XXXX XXXX who stated that figure would change daily. Did not like his attitude, kept talking over me and treated me like the additional funds were minor. I tolde him, it's not the amount, I wanted to know how could the final payoff amount change when it showed the esitmate amount and the final payoff amount for closing in XXXX. We were at least close to 2 weeks before closing. # 4 He could not give me a definitive answer, other than it changes daily. I started watching it daily and it did not change daily. It changed 4 times, from the final amount of {$130000.00} to {$130000.00} to {$130000.00} to {$130000.00}. I belieive because I did not want to finance the cost of the loan, they would recoup monies by changing the payoff amount.
Product: Debt collection

I received another call from United Auto Credit XX/XX/2023 at XXXX XXXX. The called was missed as pictured in the screenshot. I called back at XXXX XXXX  very upset and disgusted because this is to many times to be calling in one day. At approximately XXXX XXXX  a young lady answered and said thanks for calling United Auto Credit how can I help you. Stated my name and she asked me for verification questions to validate my account. I told her that I was very upset because I have been contacted multiple times in one day by United Auto Credit. She specifically stated that there is a do not call order on my account and she said we aren't supposed to be calling you but they still are calling multiple times a day and it's frustrating. It is stressing my out. I am on XXXX  and don't need anymore stress. She said that I will not receive anymore calla but I don't believe it.
Product: Debt collection

XXXX accepted a check without proper identification and an improper last name. Now, they want me to pay for their mistake. I have never had a XXXX XXXX account