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

I, Am writing this letter for a family member who doesn't speak English. 

On XX/XX/2018 estimated cost {$55.00} I Six months ago helped a friend purchase a car from XXXX dealer On XXXX XXXX. I am limited of understanding and Speaking English, but with my limited English I was assured my name would be taken off the car and placed in my friends name. On XX/XX/XXXX we went to the dealers and I took a translator, since they could not provide me with one the first time. I was informed my name could only be taken off if truck was traded in and a new car was purchased. My friend and his cosigner agreed to this solution. I left truck at dealer with keys with the intention that issue was taken care of. The next day my friend showed up at work with the car he was purchasing from dealer, so I went to dealer that after noon at XXXX XXXX. to sign paper work and received copies that it was out of my name and had no worries everything was taken care of. It is now XX/XX/2018 and I received a phone call from a representative by the name of XXXX ( XXXX XXXX ) who speaks some XXXX  stating I need to pick the truck up, since the deal did not happen with truck trade in. I am confused I witnessed a signature that allowed my friend to drive away in a new car from dealer and witnessed the car in the parking lot of our Job. Are sales representatives there to give false information to buyers so they make a sale or are there laws, which protect the buyers of being told the truth at the time of purchase?? The truck is still on your premises and I contacted the financial company and a lawyer to see what my options are. I will go on Friday to speak with the manager who assured me all was good, so he can explain and give me reasons on why I was lied to and tell me to take the truck and nothing your company can do for me but tell me lies. I am ready to hear this on Friday I have no high expectations nor expected any help from your dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. XXXX XXXX XXXXXXXX
Product: Mortgage

I am a Section 8 recipient under the Inlivian Housing Authority of XXXX, NC. I signed up to get on the program to purchase a home. I qualified to be a participate. I went through the program and passed everything. At first my debt ratio was extremely high. I paid it down to qualify for a mortgage. When I asked BB & T loan officer ( representative ) XXXX XXXX if I could use my income from my employment, she told me I had to be on my job for 2 years. She did not ask me if it was the same category of work or job title ; she just told me if I had not been on the job for at least 2 years, she could not use it. She also did not offer any other options as a remedy. I found out after my voucher expired for the program that I could have used my XXXX XXXX and that would compensate for the 2 year rule for income. Because of her actions, I became disqualified and lost my abilities to purchase a home within the time allowed under the Home ownership Program under the housing authority. I also asked the representative under the Inlivian Housing Authority ( Home Ownership Program if I could have a second extension and they refused and denied me additional time. While I still have my voucher assistance, because of XXXX XXXX behavior presenting BB & T ; I am forced to remain living in a rental property and I also have to wait 1 or 2 years before I can re-apply as well as pay fees all over again when and if I get selected to participate again. I feel this is a deceptive and abusive act as presentation of the banking institution and the institution should be held 100 % accountable for her actions. I also believe it falls under the Disparate Impact. I also believe it is a violation of the Federal Trade Commission XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I have made several purchases with Affirm which acts in a similar way as XXXX, they offer you revolving lines of credit to use at various online retailers. 

I made Affirm aware that a purchase I made via XXXX was from a fraudulent seller and that XXXX cancelled the order. I received an email from Affirm acknowledging the cancelled purchase, and stated I would get a refund. I have never seen the refund. They then flagged my Credit Report for non payment, despite the proof that the order was cancelled and therefore I should not have been charged. That was back before XXXX of XXXX. I have still yet to see the return, despite showing proof from XXXX that the order was refunded to Affirm months ago, and that Affirm confirmed the refund. 

They have reported a second purchase of mine as being 90 days past due to my credit report, despite the fact that has ALSO been paid in full. I have several emails and screenshots and recorded calls between myself and the company showing that I have provided significant proof of emails dating back 6 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, XXXX Insurance reported to lexis nexis that I was involved in an accident with my son 's vehicle on XX/XX/2022. 
I contacted XXXX to correct the information that it was my son that was driving and was involved in the accident. 
XXXX refused to correct the information. 
I then contacted lexis Nexis to dispute the information, I offered to submit a signed affidavit from my son indicating that I was not in the vehicle on this date. 
Lexis Nexis refused to take the statement and instead did a generic review of the record and indicated that the information they had on record was correct. 
This inaccurate information is costing me a fortune in insurance.
Product: Credit card

i need to file complaint against macys credit held by citibank. they are charging me for promtional accounts that i do not have items for. i have call multiple times to have my account review and adjusted properly. all i been told is to speak with mangers, or someone will call me back, also i have been told that my account will be fix within 72 hours. and all this has been since XX/XX/XXXX. and nothing has been review. my monthly is due XX/XX/XXXX for the amount {$210.00}, last supervisor i spoke with said i have to paid it while my account being review. i told her no! i will not pay til everything is fix. also its frustrating when the calls are being route in another country and they dont understand me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charges were made to XXXX of my XXXX  XXXX XXXX accounts totaling {$90000.00}. There was a charge of $ XXXX on XXXX account and $ XXXX on another to XXXX XXXXXXXX XXXX I contacted XXXX  XXXX XXXX to dispute the charges and was told that it was authorized. When I asked by whom they told me that they could not reveal the phone number in which they authorized the charges nor the person that they spoke with to authorize the transactions. How can my cards ( which I am the sole user ) be authorized by someone other than myself? I disputed the charges verbally with XXXX  XXXX XXXX and they are now reporting charge offs on my credit report. I have a police report showing the fraud on the accounts which was given to XXXX  XXXX XXXX by XXXX XXXX whom I hired to get this resolved. I thought it had been taken care of as it is not showing through credit platforms such as XXXX XXXX and also was not on another report. I recently applied for credit and was denied as a result. This has not only cost me money in trying to repair my impeccable credit history but I am personally damaged by this reporting as I was not able to obtain business financing which resulted in me losing my retail business space for my business. XXXX  XXXX XXXX is fraudulently reporting this information and has not provided me with the information required by the the FCRA and has violated my rights under the FCRA.
Product: Debt collection

I AM UNAWARE OF THIS ALLEDGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL & CERTIFIED TRACKING # WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT PRIOR TO REPORTING THIS ALLEDGE DEBT ON MY CONSUMER REPORT.
Product: Debt collection

XXXX I called XXXX XXXX to see a copy of the original bill but they stated that they no longer have it on record and I should talk to the debt collector XXXX I called Sunrise Credit Services to see a copy of the bill. They stated that it was sent to me at my current address since XXXX but I have not received the bill. This is the 3rd time that I have asked to have it mailed to me. I was given my account number but when I log into the website there is no itemized info about the bill. 

The amount that is being collected is certainly higher than what the original utility bill was and I'd like to see it itemized because I don't believe I should owe that full amount. 

I have also been contacted 2 days after already speaking to a representative which is more often than is allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Company about reporting account that was XXXX in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( XXXX ).
Product: Student loan

I have student loans with Navient. I am a XXXX, so obviously I do n't make much money. I tried to go on the website and lower my payments ( I have never missed a single one in 10 years ). The information to repay based on income was so convoluted and it appeared like any option to refinance would result in sever penalties later. I then tried to fill out paperwork to defer my loan for one year for some relief and the link for the downloadable pdf I needed never worked ( I tried several times over a couple of weeks ). I did n't bother calling them because I have heard such horror stories about dealing with Navient customer service over the phone.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found what looks like an incorrect accounts that arent mine
Product: Debt collection

Contacted XXXX collection and requested copy of bill from XXXX XXXX XXXX. Numerous requests and never received bill or anything regarding date of service or services performed. Contacted XXXX XXXX XXXX and was told they XXXX had sold the account on XXXX XXXX   2017, and as far as they are concerned, this account is closed and XXXX now owns the debt. I have insurance that could possibly pay this bill, but without any proof of services performed, by what XXXX, nothing can be done. All credit agencies have removed this account with the exception of XXXX.
Product: Student loan

Multiple times if I was having trouble staying current on my student loans, I was only offered forbearance instead of any other option to make my loan more affordable for repayment. I was never offered any income driven options. In fact my loan was placed into forbearance 3 times over the life of the loan so far, equaling several years of interest accruing. To give details ; the initial amount borrowed in XX/XX/XXXX was {$67000.00}. The current that is owed as of XX/XX/XXXX is {$65000.00}. My monthly payment is {$600.00}. How can I possibly have only paid off {$2100.00} on my loan over the span of 17 years! This is outrageous! 

In every conversation Ive had with a representative of Navient ( Sallie Mae ) when they are calling to try and collect a payment, they always add the upcoming payment that may not even be due yet to the amount they are trying to collect. This makes it sound like I am farther behind on my payments than a truly am, and is very deceptive. 

When Navient took over Sallie Mae, they reported late payments that were over a year old on the new Navient account. This put a mark on my credit and decreased my credit score significantly. I filed a dispute on my credit report, but the mark still remained. Recently, I applied for the Public Service Loan forgiveness program. Navient was supposed to put my loans into forbearance during that time but didnt and now I have more late payments showing up on my credit report.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX # XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b
Product: Debt collection

Ive disputed this debt numerous times with the three major credit bureaus, I HAVE ASKED THIS COMPANY NUMEROUS TIMES FOR THE CONTRACT IVE SIGNED WITH THEM, THEY HAVE FAILED TO PROVIDE, THEY WILL NEVER BE ABLE TO PROVIDE IT BECAUSE I NEVER SIGNED A CONTRACT WITH THIS COMPANY, THEY NEED TO REMOVE IT FROM MY CREDIT IMMEDIATELY BEFORE I TAKE LEGAL ACTION TO GET THIS RESOLVED. They also continue to send me statements that they ahbe printed off from god knows where with my NAME ON IT AND THE WRONG ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three months ago I received your correspondence on this alleged account stating your verified /updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character Accounts : XXXX XXXX accounts three reporting - XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

I have student loans through Navient. At this time, my husband is unemployed and I am the sole income provider for my family. I have expressed this to Navient on several occasions. They have offered me payment plans that are well outside the amount that I can currently pay with the situation I am experiencing. Regardless, they continue to call me several times a day. Today for example, I spoke to them at XXXX and advised them of the above. I stated that I would go online and make a payment of what I could afford. I went online and made the small payments. They advised that they would note the file and that would stop the calls for 7 days. At XXXX, I received a phone call from XXXX who then put a Navient representative on the phone to discuss my account. They call me almost every hour every day from XXXX, sometimes multiple times in a row. It feels as though they are trying to harass me in to paying the loans that I am unable to pay at this time and have expressed to them on multiple occasions. I have 3 small children who most nights I am trying to get fed, bathed and put to bed when they are calling me relentlessly. I understand that the debt is mine to pay but once they have been made aware that I am unable to do that at this time, there is no need for them to call me several times a day every day.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Mortgage

I Express mailed Qualified Written Request '' QWR '' to XXXX XXXX XXXX, XXXX. as the lender and Trustee and to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX another Trustee. 
I only heard back from XXXX XXXX bank stating they would forward the QWR to the servicer. I never heard another word from anyone.
Product: Checking or savings account

My problems started out with US bank back in XX/XX/XXXX when a transaction for insurance for over {$400.00} was approved and when i called customer service on speakerphone in the presence of my sister and room mate, i was told that i still had an available balance of roughly {$400.00}. I bought some items for XXXX and eventually when i called to get my balance, the account was overdrawn by some XXXX dollars. 

Next in XXXX of this year XXXX, someone stole my wallet and phone and used them to deposit and withdraw fraudulent/bogus checks. I notified US bank and filed a police report and US bank has taken what is over three months now and no temporary credit has been issued. Along with this, my monthly income has been kept from me and the bank is holding those funds even to this day. I am on a low income and depend on my spousal benefit monthly payment to survive. At this point im about to be homeless and every time i call US bank am given the run around, nobody ever gives me a straight answer and i can not understand why my rights mean nothing in this case. I notified US bank as soon as i knew of anything, I filed a police report, and i have given them ample time to figure out what is going on ... Even though my account is frozen, my monthly support payments were never returned to me approximately {$1300.00} a month for the past XXXX  months. This is my money and I can not understand why im not being given at least a temporary credit when they have deposited the {$1300.00} a month and ive never gotten those funds. Again this is my income that is being mistreated and i have received nothing but the runaround from US bank ... US bank claims they sent the income payments back however i found out this is not the case. I want them to give me back the funds they have kept which were not theres to begin with. My account should have been closed and a new account opened as soon as the fraud was discovered/reported. Not allow my monthly income to be drained into an account that was overdrawn.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that was reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

After review my credit accounts it has come to my attention that my rights under the FCRA of 100 % accuracy of information reported on my consumer reports are being VIOLATED. There are NUMEROUS inaccuracies and inconsistencies across the credit bureaus that make a FAIR representation of my credit worthiness impossible. These are the issues I have : 1 ) The Date Opened are inconsistent and/or inaccurate across the bureaus 2 ) The Balances are inconsistent and/or inaccurate across the bureaus. My understanding is that a charge-off account SHOULD NOT report a balance. It SHOULD be {$0.00}.

3 ) The High Credit is inconsistent and/or inaccurate across the bureaus 4 ) The Past Due is inconsistent and/or inaccurate across the bureaus 5 ) The Last Reported is inconsistent and/or inaccurate across the bureaus 6 ) The Date Last Active is inconsistent and/or inaccurate across the bureaus These NUMEROUS inaccuracies make a FAIR consideration of my credit worthiness next to impossible. I am unable to obtain new credit in order to purchase a new home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've checked my consumer report and noticed that there was an inquiry on my credit report that I didn't authorize which was from XXXX XXXX. I reached out to XXXX  XXXX on numerous of occasions, they did get in contact with me an sent me a document stating that they will contact the bureaus to delete the inquiry, the inquiry was deleted from XXXX and XXXX but still appeared from my Equifax profile. Equifax is not complying and deleting the inquiry.