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

On a few occasions I have asked the company to lower my interest rate and that the vehicle is only worth like about $ XXXX. I told them that I didnt think it was fair and they said there is nothing that they can do. They have moved my payments to the back of my loan before but that just makes it worse with additional fees and taxes. Its a never ending cycle. I will always be in debt to them for a truck thats over 7 years old we cant trade it in so we are trapped in this loan that was at a buy here pay here place and they didnt say all the issues we would have with this truck.. transmission, AC, radiator went bad twice and they had to replace it. What we wanted was to get out of it but they wont let us. I even had to put a big deposit down. The deposit was {$5000.00}. And on top of getting injured at work from XX/XX/XXXX XXXX XXXX 2022 it Really but us in a bind. Please help
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax for my XXXX XXXX account. These late payments do not accurately reflect my payment history. 

Summary of Errors and Discrepancies : Inaccurate Late Payments : All three bureaus report late payments ( 30, 60, and 90 days ), which are incorrect since payments were consistently made on time through autopay. 
Contradictory Account Status : Although the account is marked as " Current '' and " Paid, '' the payment history reflects late payments, which conflicts with its actual status. 
Inconsistent Reporting Dates : Each bureau lists different reporting and activity dates, leading to discrepancies in the record of account status. 
Credit Limit Discrepancy : The reported credit limit is {$0.00} across all bureaus, which may not accurately reflect the original credit line. 
These errors misrepresent the accounts history and potentially violate the Fair Credit Reporting Act ( FCRA ). I request that Equifax correct these discrepancies to ensure accurate reporting. 

Nature of the Complaint : Inaccurate Reporting : The reported late payments are erroneous. I have consistently made timely payments, as all my accounts, including this one, are enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : Reporting of false late payments may also violate the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate credit information reporting. 
Additionally, the FCRA ( 15 U.S. Code 1681i and 1681s-2 ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, allowing for damages if agencies fail to comply. 
Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all entries reflect my actual payment history of 100 % on-time payments. Please provide written documentation of the corrections within 30 days of this complaint. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX XXXX, and Experian for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that  was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with XXXX XXXX, and Experian U.S. Dept. of Vets Affairs said they only reported paid in full they never told  XXXX to enter a charge off on your credit report, in fact they never say charge off only paid in full. XXXX XXXX, and Experian how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for XXXX XXXX, and Experian to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal action against XXXX XXXX, and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( A ), I have sent letters to XXXX, XXXX and Equifax. XXXX and XXXX have sent letters back but the incorrect information was not fixed at all. Equifax has not responded at all and its been more that 30 days its been 90 days and it is still negative incorrect information on my credit report. This is beyond ridiculous and unacceptable! They continue to report harmful stuff on me and violating my rights. Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Ok I recently worked many hours with XXXX XXXX  and when I was paid my earnings was transferred to their XXXX XXXX XXXX  I tried to activate the card and called the customer service line for help, but no resolution. They continued to give me the run around telling me different stories every time I called in. The money was transferred to some unknown account which was not mine. The account was completely hacked and scammers were allowed to take my money I worked hard for and not pay me XXXX dime of it. Every time I called in now they do not answer the phone. The company online is called Pay-fare International.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Lexis Nexis on countless occasions and have not recieved any responses. They have failed to verify who furnished this information. I have contacted the courts directly and they state they do not furnish any information. This bankruptcy reporting needs to be deleted because it is unverifiable information according to FCRA.

I contacted Lexis Nexis o
n XX/XX/2021 And on XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called TransUnion on several occasions last time was this past Tuesday XXXX and I have sent multiple letters asking them to remove inquiries on my report that I did not authorize but they are not doing absolutely anything with regards to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX,  however when I did a search for myself I found it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In efforts to correct the unjust identity theft/fraud that has happened to me and my family from XXXX to present, I have submitted with the Federal Trade Commission report XXXX XXXX, XXXX, Equifax, XXXX, XXXX XXXX, XXXX, and XXXX. To date most identity theft/fraud accounts have been removed. However, these are remaining on my reports : XXXXXXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX FCU - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$3100.00}, XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$20000.00}, XXXX XXXX Inquiries XXXX XXXX, XXXX XXXX As God is my witness I have never received or benefited from any of the services, goods, credit, and/or funds from the identity theft/fraud committed against me. Whomever is committing this fraud against me is causing great stress and hardship to me and my family. 

Identity theft/fraud happened between XXXX to present ( XX/XX/XXXX ). I filed with Law Enforcement Report, XXXX XXXX XXXX, Incident # XXXX, Case # XXXX, XXXX XXXX XXXXXXXX # XXXX, filed on XX/XX/XXXX. 

Upon checking my credit, to see if I qualify for an auto loan, I discovered the following inquiries and several open fraudulent accounts. Credit cards, loan etc. There were also addresses that I am not associated with. Attached to report is a credit report with highlighted fraudulent accounts, inquiries, and balances from all three credit bureaus ( fraudulent accounts listed below ) : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I submitted an addendum to my original report with XXXXXXXX XXXX XXXXXXXX, Incident # XXXX, Case # XXXX, XXXX F XXXX # XXXX, for additional inquiries and attempt ( s ) to use my credit. 

Since XX/XX/XXXX, a person ( s ) is still applying for credit in my name without my permission. Today I am submitting new inquiries and new address ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ).
Product: Debt collection

Fraud has been committed on my Consumer Report which violates the FCRA and FDCPA. I. C. System, Inc. is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required *purchase agreement* Evidence that you are a licenseded debt collector *Chain of Title* Proof your are license to collect a United states debt and enjoy it *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all Communications activities and have the tradeline line deleted from my Consumer Report. Also see attached letter
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX  - XXXX  2. XXXX XXXX - XXXX  3. XXXX  - XXXX  4. XXXX  - XXXX  5. XXXX - XXXX  6. XXXX XXXX XXXX - XXXX  7. XXXX XXXX - XXXX  8. XXXX XXXX - XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

Multiple calls to home, cell and several relatives cell and home numbers several times a day. Everyday. Calls from private numbers as well as XXXX and XXXX. Leaving messages on cellphones and informing relatives of debt. 

Number to call back is XXXX Each message the person had different extensions a few are ... XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}
Product: Credit reporting or other personal consumer reports

On XXXX I received an alerts, that were 2 inquiries on my credit report. I tried reaching out to both companies explaining I did not authorize anyone to run my personal credit. One was from XXXX XXXX ( which I am currently in a lease with ). I reached out to XXXX, the first representative told me there were no new inquiries. I told her there was indeed an inquiry showing up on my credit report. I asked to switch to another dept, which happened to be there XXXX department, there I was told I was in the wrong department, and my concern was not fraud. After being switched a few more times, I reached a final department that told me they would send dispute forms and the process could take up to 45 days. The second Company was the XXXX XXXX of XXXX. I reached out to the number provided in my alert, I explained there was an unauthorized inquiry I was transferred to their Finance Dept, there was no answer. XXXX my previous sales person from XX/XX/year> called and said she would look into it. I have not received any further communication.
Product: Money transfer, virtual currency, or money service

I won a small giveaway ( {$20.00} ) from a vape company. They sent the funds through PayPal and I did not have an account. I created one to accept the funds, and PayPal limited my account immediately and required me to provide information on my identity and the transaction. PayPal was acting as though I was a business accepting payment for services or products despite the transaction noting that it was a giveaway prize. 

I did everything they requested, and my account was immediately permanently blocked. PayPal has decided to hold my funds for 120 days and not allow me to access my winnings. I contacted support to ask for an explanation or how to access my funds since that was the only reason I created an account in the first place. 

Support was entirely unhelpful. They refused to provide any information on why my account was blocked, offered no recourse to appeal the block, did not offer to pass my case up the chain to a supervisor or anything. They responded only with repetitive, canned responses and just informed me over and over again that my account was blocked and I had no way to access my funds. 

Overall my experience with PayPal was terrible. The app keeps sending me emails in XXXX or XXXX for some reason, they're holding my funds hostage with zero explanation despite my every attempt to provide them with any necessary information, and support was entirely unhelpful. 

It seems entirely ridiculous and unprofessional to block someone's access to money that is rightfully theirs with zero explanation and no recourse to resolve the problem. PayPal acts as though they own the money sent through their application. It would be nice to receive an explanation or a way to access my funds but support has refused to help me with this in any way.
Product: Consumer Loan

XXXX XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 
My auto was repossessed by Santander when I parked my auto at the XXXX ( XXXX GA ). They advertised it was secure parking but Santander was still able to repossess my auto. The repossessing vendor stole several multiple items out of my automobile when I went to claim my personal belongings. This repossession took place on a private and secure property and should not have been allowed to happen by the property owners. 
XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 



COMPLIMENTARY SHUTTLE SCHEDULE : 24 hours a day - every 20 minutes Shuttle return instructions and phone number will be listed on your reservation receipt. 
Domestic Terminal Only.
Product: Payday loan, title loan, personal loan, or advance loan

I am being garnished by this company and there sister company XXXX XXXX  at the same time..they are represented by a firm call XXXX and XXXX. I spoke with a rep at at XXXX XXXX and she stated there is nothing they can do about the 2 garnishments that is on my check and can not stop or remove one of the garnishments off my check..these companies charged XXXX percent interest on these loans due to a missed court date which i was told it wasn't necessary for me to be there its just paper work and i foolishly believed because I was aware of the court process..these companies together are taking over 25 percent of my check I thought by law in the state of XXXX  they can't do that..I reached out to my employer about this issue and they stated they also they can't remove anything because of the court order and i would need to speak to the garnishers to stop one of them or be removed..is this a violation of the consumer credit protection act or Fair Debt Collection practices act..this can not be legal that these people are taking most of my check
Product: Credit card

On my credit report it one day recently showed a change in my credit. I went into my account and found something that stated AMEX, come to find out that is abbreviation for American Express. I pulled up the information and this is an account I was unaware of even though it states it was opened in XX/XX/year>. Forst of all, how is it possible for someone to open a credit card with my information and I never get a change in status. The only reason why it showed up on XXXX XXXX, which is usually what I use is because I suppose the person made no payments, AT ALL, so it is of course in XXXX. The amount was for {$12000.00}. I called XXXX today asking why it is showing up on my credit and they stated it would have been disputed but it would have returned my information. I called the police to make a report. About XXXX weeks ago, they called me and told me that it appears the credit card was opened in XXXX. I have lived in XXXX  for over 3 years and never went to XXXX  during this time frame. I did not authorize anyone to take out a credit card in my name and I would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit monitoring services and i noticed some unfamiliar accounts that I believe to be fraudulent on my profile. I would like these account removed as soon as possible.
Product: Debt collection

This company is attempting to collect a debt of {$280.00} according to my XXXX credit file. No one has attempted to reach out to me at all to verify the debt or to have any knowledge of it at all. I have not done business with you company at all and I believe it is quite unfair to put something on my credit file that is NOT MINES. May I ask what your method of verification was. Please tell me what information you have to say this debt is for sure mines. If and when you can not verify this debt then please remove this as soon as possible. Please tell me what information you have to say this debt is for sure mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING. This series of misreporting seems to me clearly involves a universal and complete failure by this credit company to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681 1. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) these two address are NOT REPORTING " current/accurate '' XXXX XXXX XXXX XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX Mi XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 

3. ) these two phone numbers are reporting inaccurate XXXX INACCURATE XXXX INACCURATE I have disputed the actions above 3times explaining the reason why i am disputing, what i am disputing and i also sent a copy of my Identification and social security card. Each time they sent a letter back requesting i provide what i am disputing and why. i have attached the last letter I've sent them, the return letter from XXXXXXXX XXXX  and my Identification i sent them.
Product: Mortgage

XX/XX/2018 I own two homes. We reside in one and rent the other home.. Our Mortgage company was XXXX XXXX at XXXX XXXX XXXX XXXX XXXX VA XXXX phone # XXXX, service transferred to Freedom Mortgage in XX/XX/2018. Money Orders were sent to XXXX XXXX on XX/XX/2018. One in the amount of {$1000.00}. the other for XXXX. This amount was for XXXX 's house payment. XXXX XXXX acknowledged they received them and said they overnight-ed them in their bulk mail without being cashed on XX/XX/XXXX. The money orders were made out to XXXX. Freedom Mortgage can not find them. We found out they were cashed on XX/XX/2018. In order to find out exactly who cashed them we will need to pay {$30.00}. and send the information on the back of the stubs to the dept. that handles that. Freedom Mortgage contact info. is XXXX XXXX XXXX XXXX TX XXXXphone # XXXX. Copies of both money orders receipts were sent to Freedom and XXXX for their records. Please help us to figure out what is the next action as neither Mortgage companies want to take responsibility for this. I have spent hours on the phone with many people from both companies. Freedom keeps sending threatening letters of collections. We have never been late on any payment and have excellent credit. This is insulting and frustrating. Here a a list of people I have talked to from Freedom : XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX { a three way call was done to XXXX   where we talked to XXXX. XXXX was to send Freedom info. as to bulk amount sent to Freedom and he said it could take up to eight days for Freedom to recieve it. He was to send it to Freedom Mortgage at XXXX XXXX  promised she would call me back asap but she never did and is no longer with the company. } XX/XX/18 XXXX ID # XXXX   XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX { three way with XXXX from XXXX. XX/XX/18 XXXX ID # XXXX. XXXX wants us to send proof of purchase of money orders from our bank. They already have copies of the money orders receipts and proof they overnighted them on the XX/XX/XXXX. We are not comfortable giving our personal bank info. to anyone. Clearly something illegal happened here. Every payment has been made on time. Why am I suppose to investigate this myself. I am being put through the wringer and I need help. If I pay this again just to keep out of collections, it would be admitting guilt to something we did not do and we would never see our payment that was sent found by Freedom. Payment was sent on the XX/XX/XXXX to XXXX. We did not have a payment book or new loan number yet from Freedom. XXXX overnight-ed to Freedom both money orders on the XX/XX/XXXX. They were cashed by someone on the XX/XX/XXXX, even tho they were made out to XXXX. Something is seriously wrong, please help. Any assistance would be greatly appreciated.

Thank You,