23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a revolving account with XXXX XXXX that unfortunately due to loss of employment I was unable to maintain. On XXXX I settled the account in good faith. XXXX XXXX XXXX updated the account as settled within 2 weeks as " {$0.00} balance past due '', after XXXX XXXX reported the settlement. Equifax did not update their records. When I initially reached out to Equifax they informed me its up to the original creditor & advised that I reach back out to XXXX XXXX to correct this issue. Following the advice I reached back out to XXXX XXXX & the general manager manually sent the 2'nd update to Equifax on XXXX. I waited over a week with no response from Equifax, I called them again to simply update the account & they refused. I disputed the XXXX XXXX account with Equifax for the same reason as stated above " balance not reporting accurately '' I could not upload the letter of my successful settlement on the Equifax website, so I faxed the document over twice & sent it by regular snail mail. Equifax still refuses to correct their reporting. I thought the system was built on truth and accuracy. I am a few points short of obtaining a mortgage for me & my family, Equifax is making sure me and my family stay XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB { Transunion } first the vehicle was taken with out a court order Stolen by creditor That in its self was against the law the law state that repo must have a court order or its a violation of the law As for your credit reporting verified you are the only one reporting XXXX Bank, { XXXX and XXXX has removed the account from my credit report }, proof of all ownerships of that tells me you did not do an investigation.so I request that you Transunion a copy of your investigation, who you got information from. I want a copy of said payment that is stated on your credit report with my signature on it Any and all documents from XXXX Bank to Transunion and collection company CONTRACTS proof of all contracts that show ownership of this account { not Letters Contracts } {! } { original contracts } from all parties to this account with my signature { 2 } Creditors name and address { original Company } { 3 } Payment history Complete Showing last payment with my information on payment { 4 } Proof of ownership { All } parties to this account that means { contracts } not letters involved on this account. Transunion you should have all this information on hand especially after you state you verified the account The LAW STATES! % U.S.C. 1681 { a } i a and 15 U.S.C.1681 { c } { 1 } { a } { b } { i } { 3 } NOTE ANY I dispute MUST come off my credit report REGUARDLESS the reason it must come off CFPB its the LAW read it Transunion its a {$1000.00} dollar fine for each violation, .I expect a reply in 30 days By LAW
Product: Debt collection

This is in response to CFPB case XXXX. 


You failed to answer my inquiry and instead sent me the same response as last time which is just a list of amounts you claim that I owe. The document I sent you is dated for XX/XX/2019 when I was IN the Emergency Room and shows that I was provided an uninsured discount. 

Please review the information above and send me my itemized information WITH the uninsured discount. Talk directly to the hospital if you need because you are absolutely trying to collect on money not owed. I will also be going through the FTC and XXXX to have this resolved as this is illegal. I can also deal with the hospital themselves and make arrangements through them to pay off the debt if you can not communicate with them to have this updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX ( BANK ) CREDIT INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX XXXX  ( BANK ) CREDIT INQUIRY NOT AUTHORIZED XX/XX/XXXXXXXX XXXX XXXX ( FINANCE ) CREDIT INQUIRY NOT AUTHORIZED SECTION 604 OF THE FAIR CREDIT REPORTING ACT ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX inappropriately obtained my credit report information from one of the three credit reporting agencies despite having been registered on the no-contact/opt-out lists with all three for almost two years now. They used this information to send unsolicited offers of credit to me in violation of the FCRA.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went into toyota to buy-off my lease. Prior to going into the establishment, I spoke with XXXX Toyota staff, XXXX, who stated if I was buying out the car they would not have to run my credit. Upon arriving to the establishment, XXXX stated XXXX was not in and he would be the one taking care of me. I made it clear that I did not want my credit ran, in which XXXX stated that it was policy and that he had to run credit, they do for everyone. I was not told I can bring in cash, I was told there was not other option, and so he proceed to run my credit. The next day I called XXXX TOYOTA, spoke to a sales associate, asked if I was going to pay cash to buy out my lease is there a need to run credit to which sales associate responded there would be no need. I was advised that I can VOID check, bring in cash and have inquiry reversed. I did exactly that, went in with cash payment, and they gave me check back and made it a cash buy out. There was never a need to run credit or do financing, and not what I wished to do. 

On XX/XX/XXXX, I went into XXXX Toyota and paid for it in CASH. I have receipt that the car was paid for in CASH. 

On XX/XX/XXXX, I called XXXX Toyota was advised I need to file a dispute with XXXX and they would reverse it. On XX/XX/XXXX, I called XXXX to file the dispute and was told XXXX TOYOTA needs to initiate it, I returned call to XXXX TOYOTA, to manager of XXXX or was told it was manager of XXXX who stated they can do it, however, XXXX is responsible to complete that task and he is not in until Monday, this is when he would do it. On XX/XX/XXXX, I called to follow up with XXXX, XXXX stated this is not something he could do, and when I asked for a manager XXXX XXXX stated, " I am the XXXX, '' when I requested he transfer me to someone above him, " There is no one above me, '' when I continued to request someone above him he stated, " No one above him is in, '' and proceed to say goodby and hang up. I returned call to XXXX TOYOTA, spoke to the receptionist who stated XXXX XXXX was his manager, and transferred call over to him. XXXX XXXX answered the phone, and was in fact in the office, stating that he would call XXXX Toyota on Tuesday, XX/XX/XXXX, to put in the dispute request ( per consumer request, because that is the only way they can file it per XXXX XXXX ) and that by his experience it does not reverse. I stated that I wanted him to proceed with putting in the dispute request and I would follow up on XX/XX/XXXX. I then contacted the general manager, XXXX XXXX, to update him about the current situation and that I would be following up on XX/XX/XXXX. 

On XX/XX/XXXX, I went in to XXXX TOYOTA, spoke with financial consultant, provided CASH, and had check returned/voided. They have video and audio recording of this occuring. 

I paid cash for buy out of the car, there was no need for a loan or financing, or credit check, and the hard inquiry needs to be reversed.
Product: Bank account or service

CLAIMID : XXXX XXXX claims reversed from XXXX for transactions that were not made by me Claims support agents were extremeley unhelpful and unwilling to cooperate and help out a I did not make either of these XXXX transactions I remember that day clearly I started off my day at XXXX and seem to have misplaced my card after that so yet again I was not at XXXX XXXX in the day in question CHASE EXTREMELY UNHELPFUL!!! UNHAPPY WITH THERE SERVICE
Product: Credit card or prepaid card

XXXX XXXX XXXX rewards card being converted to Goldman Sachs Card on XX/XX/XXXX Redemption for XXXX to be applied to balance Per XXXX amount authorized and rewards balance decreased by that amount. First call to Goldman Sachs on XX/XX/XXXX referred to XXXX Rewards at XXXX pm spoke to XXXX XXXX told would call back in XXXX to 7 days on XX/XX/XXXX XXXX spoke to XXXX XXXX XXXX he would take care of it same XXXX days now XX/XX/XXXX spoke to XXXX XXXX pm XXXX they do not handle such requests and referred back to Goldman Sachs Called XXXX XXXX XXXX XXXX referred to Supervisor XXXX told she had no idea if of when they would get around to calling back and no idea if or when it would be fixed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

XXXX is foreclosing on property. Said I had abandoned it. Have tried several times to contact the company by phone, fax, and priority mail. They will not respond. 

The person involved is XXXX XXXX NOVAD Management Consulting llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX I was viewing my consumer report and its relationship between I and the consumer reporting agencies. During my investigation I realized that my consumer report still has the same inaccurate information that's being reported on my consumer report on a monthly basis. I was never notified by Equifax, XXXX or XXXX that they are assembling and evaluating my consumer credit and other information about me. According to the FAIR CREDIT REPORTING ACT ( FCRA ) consumer reporting agencies are obligated to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated by the three reporting agencies when they assumed this role.They were not given express permission by me, the consumer or a competent court of jurisdiction to issue an order stating that the three major reporting agencies are obligated to report such information. According to 15 usc1681c ( a ) ( 4 ) ( 5 ) no consumer reporting agency may make any consumer report containing accounts placed for collections or charged to profit and loss or any other adverse item of information. Also according to the FCRA a consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that the information that is being obtained is through a personal interview with a neighbor, friend or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.So, not only did they fail in the initial investigation of this information, they also assumed this role, and assumed this information was valid which is a violation of my consumer XXXXights.They did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality.They took one side of the story and never consulted with me or people that is close to me or that had knowledge of this information to find out if those transaction even took place. As a result of this my privacy has been breached and identity theft has been committed by the three reporting agencies which is a violation of my right to privacy.This mishap that the consumer reporting agencies have caused ruined my reputation and it has adversely affected my credit worthiness to extend credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX, VA  XXXX Hard inquiry - I did not Authorize XX/XX/2019 Cap One XXXX XXXX XXXX, UT  XXXX Hard inquiry - I did not Authorize XX/XX/2019 XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes every month for 6 months to all 3 credit bureaus - XXXX, Experian & XXXX. I've received confirmation that the bureaus have received my disputes, but I have never received a response, the account I'm disputing has never been listed as " in dispute '' and the inaccurate information is still on my credit report, damaging my score. Not one of the credit bureaus has responded to any of my dispute letters, this is not only illegal, but that means the account in question qualifies for deletion from all 3 bureaus.
The account I've been disputing is XXXX XXXX, it's a loan that was never personally guaranteed by me, it was a company I worked for, but had nothing to do with me personally. This is illegal and unjust.
Product: Debt collection

I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.
Product: Student loan

For the last 10 years I have been in communications with ECMC ( Educational Credit Management Corporation ) and its debt collector XXXX XXXX XXXX. Most recently the harassment has been several times a day, receiving 2, 3 and 4 envelopes in the mail every day, email and phone calls from ECMC, yet they refuse to process or even acknowledge the thousands of letters, emails, phone calls, forms, etc I have sent them in the last 10 years disputing the student loans, and requesting a hearing. I have spent hundreds of dollars in countless mailings, by sending them the forms they require for disputing the debt over and over and over again. They have refused to process any of my forms, have no records of my treasury offsets for 5 years, have no record of the payments I made on the loan, and have exponentially increased the face of the loan by refusing to process anything I send. I now dispute the entire debt, and all Federal Loans. ECMC have refused to schedule a wage garnishment hearing, even though they are required by law to schedule one. They have blocked my email and phone number, and continue to harass me on a daily basis. My degree was a worthless con job and fraud, in a field where I am blocked from employment because the degree I earned is no longer a recognized degree, and my state will not allow any of us to be employed as per their laws and regulations. I have been displaced from the workforce for 12 years, and have only earned a max of $ XXXX {$15000.00} or less annually each of the last 8-10 years. They continue to harass me with wage garnishment letters. Taking out a student loan was the biggest mistake of my life. I have attached the threat to garish wages mailing that I receive every day. I have sent the forms back dozens of times, and they continue to refuse to schedule the hearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The Account below violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 This vehicle was repossessed by TOYOTA MOTOR CREDIT in the State of CALIFONIA on or about, XX/XX/2015, and resold. 

Under the laws of the State of CALIFONIA UCC 2983.2 and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

TOYOTA MOTOR CREDIT Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Social Security Administration Office had already removed from XXXX & XXXX Partial Account Number : XXXX Date Opened XX/XX/XXXX {$45000.00}. This reappeared on Experian on XX/XX/XXXX which is severely impacting my personal FICO Score and prohibiting me from obtaining necessary accounts needed to conduct business. Please instruct Experian-XXXX to Immediately remove thus said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent inquiries and inaccuracies on my credit report : XXXX XXXX XXXXES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX INNACCURACIES : - Accounts Ever Late : 2 - Time Since Negative : 1 year 3 month XXXX FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX - XXXX - DEPARTMENT OF EDU -  XXXX - XXXX - XXXX Transunion Fraudulent Accounts : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - DEPARTMENT OF EDU - XXXX - XXXX  - XXXX Transunion FRAUD INQUIRIES XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   - XX/XX/XXXX XXXX Fraudulent Accounts : - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX/ XXXX XXXX - XXXX - DEPARTMENT OF EDU - XXXX - DEPARTMENT OF EDU/XXXX - XXXX - XXXX - XXXX
Product: Student loan

Since consolidating student loans XX/XX/2001, I have consistently been mislead by Navient. I currently have 2 consolidation loans with them. These are my complaints.
1 ) Navient has failed to correctly apply my payments and extra payments to my account. While stating that I would be able to skip payments if I preferred, they falsely set my loan repayment counter to zero So I had to start over in repayment phase. 
2 ) poor customer service and misleading information which lead to a bad outcome. This has set me back and caused me distress.
3 ) Navient automatically put me on 30 year payment plan without consulting me to maximize interest.
Product: Mortgage

NewRez removed my online account to where I could no longer make my payments. 
Instead, XXXX responds with false information stating they have tried calling, when what is really happening is a BOT is calling for me to call customer service. Absolutely no human being has attempted to call, period. 

I make principal payments monthly.
Product: Checking or savings account

XX/XX/XXXX I received an email about an account I opened up today from TD Bank which I did not do. I called immediately to tell them that wasn't me.they told me to repot it here and call to report it else where.
Product: Mortgage

I '' m short selling the house, I have a signed contract and proof of funds but the mortgage company ( flagstar ) Keeps loosing the documents, delaying the process, due to this the documents will expire one day after their review is done so I will have no time to fix any issues. 

I found the following list of abuses by Flagstar on the CFPB website. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ - I'm having these same issues from your list.

Closed borrower applications due to its own excessive delays.

Delayed approving or denying borrower applications Failed to alert borrowers about incomplete applications Flagstar does not define what needs to be on the documents they request, so there is no way of knowing if you have met their requirements. Most of their customer service people can't find documents that are in their system so they tell you they are not there. But if you get someone who was trained properly ( 1 out of 4 ), they find all the documents ( same day ). The ones that can't find the documents lie about it and ask you to send them again. 

The CS people say they will call realtor about any issues but never do. They will tell you they did but realtor has no missed called or messages. The phone number they use should be from the 3rd party authorization form that the realtor filled out.

Clearly Flagstar is a predatory bank and/or grossly incompetent.
Product: Debt collection

I want to emphasize that I am a victim of identity theft, and the presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have taken the necessary steps to dispute these inaccuracies, providing supporting documentation and evidence of the fraudulent nature of these accounts. However, my previous disputes have not been adequately addressed, and I am particularly puzzled by the Bureau 's request to extend the investigation period to 60 days. Despite this extended timeframe, there has been no resolution, and I am left in a state of confusion as to why my requests seem to be ignored or not properly addressed. 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to ensure the accuracy of the information they report. It is disconcerting that, as a victim of identity theft, the fraudulent accounts are still tarnishing my credit report.