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

In XXXX of XXXX I became I'll with XXXX. I was laid off in XX/XX/XXXX when XXXX was shutdown. I then went on unemployment and was taking advantage of Stimulus money to pay my car lease with Infiniti Financial Services until XX/XX/XXXX when benefits were cutoff. After losing 40 lbs I needed food to eat and to get new clothing to obtain a job. 

After receiving stimulus money in XX/XX/XXXX I was surprised to find my online account was suspended when I tried to get current with the lease by making a payment online. The message after I logged in said please call. I called Infiniti Financial Services who was offensively rude to me. They would not allow me to get current on my lease and told me to drop off my car at a dealer. There were no options offered. 

They reported me to credit agencies hurting my credit. This poor credit report is affecting my ability to find a new leasing company. I was told my car was going to be repossessed. I want an offer to keep the car and get current on my account. To take away someones vehicle during a pandemic is cruel and unusual punishment to US consumers who want to keep their vehicles. I am now gainfully employed thankfully after the worst year of my life. 

Please help me compel them to make an offer to keep my vehicle. I have been a customer of XXXX and XXXX for 35 years. I've leased a total of 8 separate vehicles from XXXX ( XXXX ). This is not acceptable behavior towards consumers during these difficult times for Americans. I look forward to resolving this issue with Infiniti Financial and thank the CFPB for helping consumers. I received my XXXX XXXX  dose yesterday. The car was critical in receiving medical care for my long hauler conditions and getting XXXX. 

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

I didnt give theses company authorization to run my credit for these hard inquiries.
Product: Mortgage

XXXX and later PHH, stalled my progress in selling my late mother 's property in many ways and they took money. First, by stating that they did not receive the forms proving that I was the executor of the estate. I had sent in the documents to the company the day after probate court granted me full executorship. They kept telling me that they had not received the forms for about three months, even though I had submitted them the form multiple times. They finally admitted that they had it in their files since my first submission. 

Secondly, my whole experience in dealing with these companies was filled of long phone holds. They also would hang up on me. They provided no support and stopped me from completing the necessary actions that they required of me. At some point, PHH lied to me stating that they had sold my case. They stated that both on the phone and through mail. However, within a month of me asking questions, they acted like they never made that statement. 

Third, they jacked up the prices of reverse mortgage tremendously after my mother had passed Looking back in our files, I noticed that " Original Line-of-Credit Reserve '' that has the amount of {$15000.00}. XXXX and " +Growth of Line-of-Credit '' that has the amount {$13000.00} only appears on the XXXX  Monthly Reverse Mortgage Statement. I want to bring in to question why and gain an explanation. They also added " Current Principal Limit to the Mortgage Statements around XXXX. All these changes have not been explained. I suspect that the jack up in price is from the company spending money. 

Fourth, they kept checking on me to see if I still lived there on the property even though they knew I was in the middle of probate, selling the house, and they could just call my phone. They stated that they did these unnecessary check-ins 8 times and each time cost me {$20.00}. 

Fifth, then the appraiser that the company provided to look over the property, looked over the wrong flat map of the house across the street. Resulting in the wrong price to the house. I should not pay for the appraisal. The appraisal cost about {$700.00}. 

Sixth, they added " Corporate Advance '' and " Outstanding Fees '' for me to pay. It added up to about {$8000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXX. 
XXXX, GA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX TransUnion XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report To Whom it XXXX Concern, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute XXXX be mishandled in a similar manner. 

Additionally, due to many data breaches which compromised my information being compromised on several occasions in the last several years, I reviewed my credit report to find multiple inaccurate and fraudulent items that I am now disputing under FCRA 611. These accounts and inquiries were not authorized by me and should be removed immediately. 

Accounts to Be Removed : XXXX. XXXX. XXXX XXXX XXXX XXXX  ( Collection ) Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Collection ) Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Collection ) Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Collection ) Fraudulent XXXX. XXXX XXXX  BANK ( Charge-Off ) Fraudulent XXXX. XXXX XXXX XXXX ( Late Payments ) Inaccurate Reporting XXXX. XXXX XXXX XXXX ( Late Payments ) Inaccurate Reporting XXXX. XXXX XXXX ( Late Payments ) - Inaccurate Reporting XXXX. XXXX XXXX ( XXXX ) - Inaccurate Reporting XXXX. XXXX XXXX ( Late Payments ) - Inaccurate Reporting XXXX. XXXX XXXX ( XXXX ) - Fraudulent XXXX. XXXX ( Late Payments ) - Inaccurate XXXX XXXX. XXXX XXXX ( Late Payments ) - Inaccurate XXXX XXXXXXXX XXXX XXXX ( Late Payments ) - Inaccurate Reporting Hard Inquiries to Be Removed : XXXX. BANK XXXX XXXX Unauthorized Inquiry ( XX/XX/year> ) XXXX. XXXX XXXX XXXX XXXX XXXX. Unauthorized XXXX ( XX/XX/year> )
Product: Credit reporting or other personal consumer reports

I am hereby serving notice of pre-arbitration to Wakefield and Associates. 

On XX/XX/2024, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning Wakefield and Associates ' inaccurate reporting of a tradeline on my credit. 

On XX/XX/2024, Wakefield responded to my complaint, asserting that they found no inaccuracies. 

As of XX/XX/2024, upon reviewing my credit report, I still note inaccuracies in the account status and payment history. Furthermore, the reporting across all three bureaus remains consistently inaccurate. I have attached proof for reference
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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: Debt collection

This law firm, Stewart , Zlimen & Jungers , LTD, Ive never heard of representing a company, XXXX XXXX, Ive never heard of has sent a letter saying they are a debt collection company and a law firm and they stated that Ive teceny been served with the Statement of Claim and Summons.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1618 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and written Equifax several times regarding the inquires on my credit profile which are : XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have no open accounts with these companies and Equifax refuse to updated this inaccurate information on my credit profile.
Product: Debt collection

I have 2 private installment loans through Navient that have defaulted due to Navient 's refusal to work with me on an affordable payment plan. My loan became due shortly after graduation in XX/XX/XXXX,  and after exhausting all deferment and forbearance options, they offered me a very unreasonable Income Based Repayment plan of over {$500.00} a month. I begged and pleaded with them to see if we can look up any other options and they flat out told me NO. They simply said that if I can't make the suggested payment, then my loan will go into default status, and ruin my credit. 9 years later I have two charged-off accounts that Navient sold to a debt collector about 2 years ago, when instead it should have fallen off of my account after 7 years in the Charged-off status. Once defaulted, and over the period of 9 years, I have gotten harassing phone calls multiple times a day beginning around XXXX and not stopping until well after XXXX every single day. Once Navient sold the loan to a debt collector about 2 years ago, the debt collector scared me into making interest payments of about {$120.00} a month. That continued on for about 6 months before I simply could not make the payments any longer. The debt collector used scare tactics such as taking me to court, suing me, as well as garnishing my wages and taking my tax return. If Navient initially offered me a reasonable payment plan, I wouldn't be in this mess to begin with. Instead, they insisted that they couldn't help me and basically forced me into a default status ruining my credit. Because of these 2 private loans, and only these 2 private loans, I am unable to purchase a home of my own, and have been paying double in rent than I would be paying on a mortgage. One private loan had an initial balance of {$16000.00} and has since skyrocketed to {$35000.00}, while the other private loan had an initial balance of {$12000.00} and has since skyrocketed to {$25000.00}. These new balances include late fees as well as interest. I also have federal loans through Navient, and because they are Federal, I had been given way more options to relieve high payments. While since the beginning of XX/XX/XXXX or earlier, I have been given the option of an income based repayment paying {$0.00} every year. My Federal Student loans, however, are on hold with Navient due to government investigation of the loans as well as the school that I had attended. This school has since been shut down, making my credits towards classes as well as degree null and void. Since attending this school, they have sold it to a different company which has shut down all classes pertaining to my degree, and will be shutting their doors in the very near future, if it hasn't happened already. This school was also never honest about these private loans and never disclosed what a payment would be upon graduation, nor did they inform me of how few options I had to pay these loans back. They certainly never explained that they were different from Federal Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion this is your final notice to DELETE those charge offs XXXX XXXX XXXX  and XXXX XXXX XXXX  of my consumer reports!! You have been holding this account more than 30 days. 
I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!! 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED. 15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH
Product: Credit reporting or other personal consumer reports

I have my XXXX XXXX that basically ruined my life in a lot of ways, now I am seeing that he also used my credit and I have stuff on my credit that isn't mine. I want that stuff to be off my credit
Product: Mortgage

My loan was sold from XXXX XXXX to XXXX due to a bankruptcy sale. I received my 1098 from XXXX and it is not correct. It does not include payments made to XXXX or property tax payments. I spoke with XXXX and they asked me to call XXXX. I called XXXX at XXXX per their instruction and determined XXXX is closed and not taking calls ( you can hear this yourself when you call ). XXXX does not have a way to provide me this information as the loan servicer and only can refer me to XXXX. I need this issue to be resolved and need to have accurate tax information.
Product: Credit reporting or other personal consumer reports

The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account withouth my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX attacking my credit scores for their error -opted for automatic payments in XXXX 2017 -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX 2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.
Product: Debt collection

XXXX XXXX XXXX {$14000.00} XXXX XXXXXXXX XXXX  {$9500.00} XXXX XXXX XXXX XXXX Amount Owed : [ Amount ] Date Opened : [ Date ] XXXXK Amount Owed : [ Amount ] Date Opened : [ Date ] XXXX Amount Owed : [ Amount ] Date Opened : [ Date ] XXXX XXXXXXXX XXXX XXXX XXXX : {$680.00} Date Opened : XX/XX/year> XXXX XXXX Amount Owed : [ Amount ] Date Opened : [ Date ] XXXX XXXXXXXX XXXX Amount Owed : [ Amount ] Date Opened : [ Date ] XXXX & XXXX XXXX XXXX XXXX : [ Amount ] Date Opened : [ Date ]
Product: Credit card

Called capital one about an account with my name, phone number, and social because I never made an account with them. This happened on XXXX after receiving emails of updated changes on my account that I never made. I received an email about a silver card from capital one that I never made as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : Wakefield Account # : XXXX
Product: Checking or savings account

I have an account with XXXX. They use XXXX to connect my XXXX account with my other checking accounts such as PNC. While trying to do the connection, XXXX notifies me that PNC has made a change that prevents me from being able to link my accounts. PNC denies this. So without this link, I have to wait about 5 days to transfer funds between my accounts, while if I could link them, I could transfer money the same day, or within 24 hours. This is very inconvenient for me. I am unable to understand why this can not be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$20000.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 4 inquiries on my report> I called experian as they said I cant dispute those online. I asked them to investigate and have them removed and agent refused. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I received a bill from Macy 's Store Credit Card on XX/XX/2017 with a total new balance for that statement in the amount of {$300.00}. The payment due date listed on the statement was XX/XX/2017. I made a payment in the amount of the full balance of {$300.00} on XX/XX/2017 bringing the account balance to zero. According to the card-member agreement included with the bill, interest will not be charged if you pay your new balance by the payment due date each month. On XX/XX/2017, I received an email notification stating my Macy 's card balance was overdue. I pulled the statement and it showed I had received an interest charge on XX/XX/2017 in the amount of {$4.00} even though I had submitted my payment in full of the total new balance sent to me in XXXX. The statement received in XXXX showed an additional interest charge of {$2.00} on the incorrectly applied interest charge added to my account in XXXX. Macy 's fraudulently charged the interest from the balance in XX/XX/2017 when the according to their own payment rules, no interest is charged on payments made in full for the entire balance. This situation reveals a major issue in how they charge interest to accounts with no catch to ensure customers are not fraudulently charged interest when there is no balance to charge interest. Not only did they charge me the incorrect interest in XXXX, they also charged a second interest amount for the XXXX bill and reported my account as past due. How long would this have gone on had I not checked my account even though I had payed my balance in full and had not used the card in two months? This is abusive behavior by Macy 's and it needs to be addressed with how their system applies interest to accounts and they should retroactively review accounts to make sure no one else has been effected by this major deficiency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sears has no proof what so ever I made a debit with them. If they investigated they can show me where I signed or authorized anything form them. I did not make this debit. They did not investigate anything. Several people have my SS number and have used it. Not me and one went to jail. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FRAUDULENT INQUIRES ON EQUIFAX, XXXX, AND XXXX THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX APPLE CARD/GS BANK USA has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 a account without my hand written instructions.