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

I am writing to file a complaint against a buy here pay here ( BHPH ) car dealership that has violated the Truth in Lending Act ( TILA ) and engaged in fraudulent practices. I am seeking your assistance in resolving this matter and holding the dealership accountable for their actions. 

The dealership in question has broken several provisions of the TILA, rendering the contract null and void. Firstly, they claimed to finance the deal themselves, but a third-party corporation is taking payments and enforcing the contract. The third-party finance company admitted on a recorded line that they do not have power of attorney over the contract. Moreover, there was no disclosure of the third-party financing company during the purchase agreement and retail installment contract signing. I have sent them several notices, including validation of debt, cease and desist, revocation of power of attorney, an affidavit of truth, and a notice of fault and opportunity to cure and to contest acceptance. 

Additionally, there was never a disclosure or agreement that my information would be passed on to a third party for repossession or for a third party to finance on their behalf. This lack of transparency is a significant breach of trust and a violation of my privacy rights. 

Furthermore, I have discovered several other instances of fraud on the contract, including finance charge inflation, the inclusion of a dealer 's inventory tax, a {$2000.00} down payment that constitutes auto dealer fraud, and four amounts paid to others that were not clearly itemized. The dealership also failed to disclose my right to rescission, which is required under TILA. 

I have also had issues with the payment schedule, and I requested that it be changed due to a change in my job 's pay schedule. The dealership attempted to refinance my car and charge me an extra {$20.00} per payment because I was being paid bi-monthly instead of bi-weekly. However, they have now refused to change the payment days, restricted my online payment access, and are refusing to accept a partial payment because I am behind on two payments, which is all because they would not change the pay days before I started the steps to arbitration. Additionally, the dealership repossessed my car on XX/XX/year> between the hours of XXXX CST. This repossession was carried out without proper notice or legal justification, as I was not actually in default on my payments at the time of repossession. 

I have attempted to resolve this matter outside of court, but the dealership has refused to settle the matter in good faith. 

I request that you investigate this dealership 's practices and take appropriate action to hold them accountable for their violations of TILA and fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, Experian and XXXX are reporting inaccurate information on my consumer report. XXXX XXXX didnt have permissible purpose to pull my consumer report on XXXX XXXX. This unauthorized inquiry was not authorized by me. I didnt apply for credit with XXXX XXXX or any other credit provider on XXXX XXXX I have provided my Massachusetts state issued driver license as proof of my identity.
Product: Mortgage

Explain why I was requested to pay the remaining down payment by Friday, XX/XX/2020 2 months before my closing date, and don't tell me again that it was voluntarily a deposit. FOR MY FHA TITLE II LOAN XXXX you gave me.
Product: Debt collection

I saw a debt collection on my credit report from XXXX and credit collection services I never got any letter or anything to verify this amount or who did it!!!! 
I called XXXX they told the account is now with collection so I went to talk with the collection company I couldnt reach to anyone phone or mail. Please I do need help to get this away as theres something wrong with this and how they refused to verify the account to know who did it as I never been to any dr the past 3 years and I do have private insurance and you can see the history for dr visits. 
Please my complaint is the collection company has no way to reach or communicate and XXXX told me to check with the collection company as this account went to them and refused to verify disputed debt.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$2600.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$460.00} 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: Credit reporting, credit repair services, or other personal consumer reports

A dispute was submitted with Experian on or around XX/XX/23 regarding 9 accounts from XXXX that showed factually incorrect payment history. Attached to this dispute was a document from the reporting creditor ( XXXX  ) showing that the accounts were in deferment or forbearance during the specified dates. 

Experian completed their " investigation '' and noted that accounts were reporting correctly on or around XX/XX/23. Experian was called regarding this issue on the same date and informed me that there was nothing I could do regarding this situation. I asked to speak to a supervisor and this same information was parroted to me regarding my issue. 


The dates in question are : XXXX and XXXX for all XXXX XXXX Accounts listed on my credit report.
Product: Mortgage

So I received a trial modification in XXXX first payment was due in XX/XX/XXXX i sent that payment in the middle of XXXX for XXXX the required amount is XXXX but as i wire the money in it is easier to round up on XX/XX/XXXX or there about I thought I would get ahead by paying an extra XXXX dollars so I could then pay the reminder end of XXXX for XXXX payments well this is where it went wrong no they won't let me use the money there I have to pay the full XXXX which shorted my truck payment as I had budgeted the payment to be XXXX dollars less I sent in the XXXX and they said that I could use the XXXX on the next payment when I went to pay I found out guess what they lied again no we will use that money to go to the back payment owed when we do the final payment of the trial due XX/XX/XXXX which I sent in via XXXX XXXX due to the covid19 and the local bank unable to do a wire via the drive up and a few other complications wire sent XX/XX/2020 this time for the exact amount. This is XXXX  it is my money how I use it is up to me
Product: Credit card

XX/XX/2021 multiple charges totaling XXXX plus interest and fees for a grand total of XXXX I have made multiple calls to the credit card company and also the collection agencies involved with no results. These charges were made WITHOUT my permission as I was in another place at the time of all these purchases Not my charges!
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2022, Elan Financial Services, a division of US Bank, elected to close my credit card accounts in 30 days. When I prompted them for more information, XXXX XXXX XXXX, Retail Payment Solutions, Office of the President at Elan Financial, sent me a letter on XX/XX/XXXX indicating that my accounts are in " Default '' under the terms of these accounts. According to the letter, my accounts are " in Default under subsections e and f, '' because of " false statement in the maintenance of your account '' and " the Account is in danger of, or is being used for fraud. '' These claims are baseless, and I was not given any opportunity to answer them. I have made no statements to anyone at Elan or US Bank, false or otherwise, to maintain my credit card accounts. Alleging that I was involved in fraud is a serious charge, commonly defined as " criminal deception intended to result in financial gain. '' Frankly, I am flabbergasted by this assertion! My account originated over six years ago when Fidelity awarded Elan the contact for this service. Most of my family 's daily spending goes thru the account ending in XXXX, so there is a clear and continuous record of my family 's spending patterns. Over the nineteen years, I have had a Fidelity Credit Card, I have never missed a payment or had my account out-of-order. XXXX calculated my credit score this month is over 800. When did Elan Financial detect that I was somehow involved in criminal activity? When I spoke to XXXX XXXX on XX/XX/XXXX, he would not provide any information on how Elan or US Bank reached this decision or evidence supporting these assertions. 

Elan Financial and US Bank acted in a disturbing, arbitrary, and conspicuous manner to close my credit card accounts, which is inconsistent with the agreement. They should not be able to make summary judgments about credit card accounts without providing the consumer with clear and convincing supporting evidence. Furthermore, I was not afforded due process consistent with being a valued, longstanding client.
Product: Credit reporting or other personal consumer reports

I have recently pulled my credit report and noticed that there is a collection listing using the agency. I reached out to the agency for the debt validation, they failed to provide that information. It appears the original creditor sold the debt, but also marked it as a charge off under law 15 UCS 1681 ( e ) B the loan has been cancelled or forgiven and I am not longer required to pay.
Product: Mortgage

Suntrust ( now Truist ) is advertising " no origination fee '' refinancing. 
https : //www.suntrust.com/home-mortgages/current-rates There is indeed an origination fee ( relabeled as a " processing fee '', {$980.00} in my disclosures ). 

I was also unhappy that after I uploaded my taxes and bank statements as part of the application process, I was required to sign an agreement to allow Suntrust/Truist to share these sensitive documents with other companies for various reasons, including marketing. It is within 3 days and I wish to rescind this agreement and cancel my application. It seems there is no way to do this, as the sole contact person has no idea how this would be done. I have been unable to reach anyone at the company that can help.
Product: Credit reporting or other personal consumer reports

I reviewed my Equifax XXXX XXXX credit report dated XX/XX/XXXX, and identified several inaccuracies that require rectification. This letter serves as a formal dispute under the Fair Credit Reporting Act, specifically 15 USC 1681 ( e ) ( b ). 
Consumer Information Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Correct Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX to be Disputed : XXXX XXXX, XXXX Account Number : XXXX Account Status : Charge Off Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Charge Account Reason for Dispute : This account is inaccurately reported as a charge-off and should be removed. 
XXXX XXXX XXXX  Account Number : XXXX Account Status : Closed Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Secured Responsibility : Individual Reason for Dispute : This account is inaccurately reported as closed and should be removed. 
XXXX  Account Number : XXXX Account Status : Closed Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Check Credit or Line of Credit Responsibility : Individual Reason for Dispute : This account is inaccurately reported as closed and should be removed. 
Address Correction Please remove the following incorrect address from my credit report : Address to Remove : XXXX XXXX XXXX, XXXX XXXX, PA, XXXX & XXXX XXXX XXXX, XXXX XXXX, PA, XXXX Please update my address to : Correct Name & Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Synchrony Bank has long ago locked me out of my credit card accounts which has prevented me from viewing my monthly account statements and making payments. Again, I demand that Synchrony bank sent me monthly statements for every one of my accounts for the last 14 months via US Mail and via an attachment to your response in the CFPB portal. Moreover, I urgently need the entire card agreement for each of the accounts so that I may view it along with statements which you must provide. I have downloaded various account agreements for different accounts from the CFPB database but I need to receive the agreements from you in the event data submitted to the CFPB is not accurate and complete. Due to your past refusal to provide me with data and agreements and comply with your obligation of the FCRA, I have claims against you significantly greater than your disputed claims. I hereby elect, choose and demand that we resolve our disputes with the XXXX which is the only available forum for dispute resolution. You must file your claims against me with the XXXX for IN PERSON hearings.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.CFPB has all already filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account as experience in action, violates federal law in my rights as a consumer. 
I have had to file an identity fraud claim due to Transunions lack of investigation.
Product: Credit card or prepaid card

I order face cream online costing {$5.00} and {$6.00}, XX/XX/2021. The companies XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX TX billed my Discover card $ XXXX {$61.00} decided to bill me again without my consent XX/XX/XXXX. Discover was alerted it was fraud and put in a dispute. Unfortunately they charged again in XXXX and Discover let it go through. I disputed it again. 
I paid off Discover which they told me was the final amount of {$2000.00} but then got a bill for {$3800.00}. They also sent a credit for {$72.00} so I thought I didn't owe any money. I got another bill so I called and paid it over the phone on XX/XX/XXXX for {$38.00} which again was supposed to pay off the bill in full. They charged me another late fee of XXXX but I did not get the bill because it came to my second home and I had been assured that it had been paid in full. 
I went to my second home and looked at my bill and they had charged another late fee on top of that one... all of these late fees are for not paying late fees... which is based upon them rejecting the dispute ... and charging and then charging multiple late fees. I have again paid them and they have assured me that I have a 0 balance ... and this point I don't trust that it has been paid. I would like to lodge a formal complaint
Product: Checking or savings account

Overdraft fees from atm checking accounts delay of money and payment
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so XXXXXXXX XXXX XXXX XXXX XXXX  and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to m.e.
Product: Payday loan, title loan, or personal loan

Applied for line of credit with PayPal/Synchrony. Was denied because I " had a closed account. '' This is not a valid denial of credit and I would like further explanation into this denial. I also would like all hard inquiries removed from my reports.
Product: Credit reporting or other personal consumer reports

I SENT DISPUTES A FEW MONTHS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT VERIFIED., 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 ARE SHOWING INACCURATE INFORMATION. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG 3 DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY