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

Several months ago I opened a new auto loan with Bank XXXX XXXX, and paid off my auto loan with US Bank. Since then I have contacted US Bank XXXX times and spent several hours on the phone with them to obtain the title to be sent to Bank XXXX XXXX, or a letter reflecting the lien release that I could take to the XXXX. On each occasion they have stated that they have mailed the title to me and would provide a lien release letter. I have not received either, and have continued to contact them in an attempt to have the matter escalated. I have even gotten Bank XXXX XXXX on the phone with US Bank, and reached out to the XXXX for assistance. No one can locate the title and every time I am told an associate at US Bank is escalating the issue or overnighting the lien release letter to me, nothing happens. Attached are the screen shots that US Bank provided as proof that they are working on this, but have not concluded the matter. I have been attempting to resolve for approximately XXXX months, and Bank XXXX XXXX will close my loan if I can not provide them with a title.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 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 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 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 XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX Ny XX/XX/XXXX XXXX down payment XXXX XXXX XXXX Loan from Chrysler Capital Bank Vehicle repossessed lost my job, bank sold the vehicle and there is a remaining balance, vehicle was rendered inoperable several times with multiple mechanical issues. I experienced financial hardships as well as not having a vehicle too. There were a lot of out of pocket expenses including towing and repair. I complained to bank and dealership, basically I was sold a lemon.
Product: Credit card or prepaid card

I purchased an Ebook online for {$18.00} and when I checked my bank statement, there were two charges on my card for {$18.00} and {$27.00}. The charge descriptions on the statement says that both charges are for the same order # XXXX. However, my receipt shows that there should only be one charge for {$18.00}. I explained the situation to Wells Fargo and provided the receipt as proof but my dispute was denied.
Product: Debt collection

I did not receive any notices from the company about debt collection. It should up in my XXXX XXXX credit report one day randomly. I never knew I even had an account or debt with that company. I received NO NOTICED about said debt. I never even heard of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus transunion, XXXX, & XXXX on 3 different occasions XX/XX/18, XX/XX/18, & XX/XX/18 requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the original Identity Dispute letter to Experian and it was dated XX/XX/XXXX. It was received at Experian on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX and it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Navy Federal Credit has been reporting inaccurate information and have not deleted it. This information is not accurate and it needs to be deleted. After being notified about the errors.

The errors are : 1.Navy Federal Credit Union account number on XXXX  Corp credit file is inaccurate it does not begin with 5. 
2. XXXX Rating key section shows Im 90 days late on XX/XX/XXXX. This is inaccurate because account was closed on XX/XX/XXXX. 
3. Account type is inaccurate it shouldnt be revolving on a closed account. Account closed on XX/XX/XXXX. 
4.XXXX  XXXX has been notified on XX/XX/XXXX about the errors listed above. 
XXXX  has not done reasonable investigation after literally seeing these errors. 
A copy of XX/XX/XXXX credit report from XXXX  still showing errors I'm mentioned above. I will enclosed this document to show both of them being very disrespectful in regards to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion Failure to Provide 1099-C and Violations of the FCRA & Federal Tax Laws CFBP, I am writing to formally escalate my complaint against TransUnion regarding their failure to comply with federal laws in their credit reporting practices. My initial complaint, CFPB Complaint Number XXXX, outlined the following violations, which remain unaddressed and continue to cause me financial harm as I attempt to properly file my taxes this season. 

I have already filed IRS Form 1099-C ( Cancellation of Debt ) for various accounts, which the IRS has approved. The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX for My Complaint Violation of 26 U.S. Code 6050P Information Reporting on Canceled Debt Once a creditor cancels a debt and issues a 1099-C, they have declared the debt as a loss to the IRS and are no longer legally permitted to collect on it. Reporting a charged-off account while continuing to collect is an unlawful double recovery, violating both IRS regulations and the Fair Credit Reporting Act ( FCRA ).

Violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) The FCRA prohibits the reporting of inaccurate or incomplete information. A charge-off is classified as income by the IRS. Furnishing this as a delinquent or outstanding balance on my credit report is misleading and a clear violation of FCRA standards. 

Failure to Provide Requested Documentation 15 U.S.C. 1681g I formally requested 1099-C documentation from TransUnion regarding the above-mentioned accounts. To date, TransUnion has failed to furnish the necessary documentation, preventing me from filing my tax returns properly. This failure violates my rights under the FCRA to receive complete and accurate information.

Demands for Immediate Resolution Cease and Desist Reporting of Charged-Off Accounts As these debts were charged off and reported to the IRS, they can not legally be pursued for collection or negatively impact my credit report. 

Provide 1099-C Documentation TransUnion must immediately provide the requested 1099-C forms for the accounts listed above. Failure to do so obstructs my legal ability to file my taxes correctly.

Correct and Update My Credit Report TransUnion must remove any improperly reported charge-offs or furnish proof that the debts remain legally collectible under IRS regulations . 

Failure to comply with these demands will result in the following actions : I will report TransUnion to the IRS for fraudulent tax practices, including illegal collection attempts on canceled debts. 

I will escalate this matter to the Federal Trade Commission ( FTC ) for FCRA violations. 

I will pursue legal action for the financial harm caused by TransUnions negligent and illegal reporting practices. 

I expect a written response within 15 days of receiving this letter, per the FCRAs requirements. If I do not receive a satisfactory resolution, I will proceed with formal complaints to the IRS, FTC, and the state attorney generals office for further investigation and enforcement.
Product: Debt collection

XXXX apartment complex was a poorly managed property. We asked to terminate our lease two months early due to the lack of communication and the amount of time they took to repair a wall. ( 2 months ). The wall was unsafe and presented a health hazard, due to my XXXX and other health issues I was unable to continue to occupy the home. We were told that they we would not be able to leave, however because of my health issue I had to leave. We never had major issues with management until we were given less than 24hrs notice that they would need to gain access to our unit because the tenant above us had a leaky window. When I came home from work my door was left unlocked and my perfectly fine window did not have drywall ( sheet rock ). When we confronted management they seem to be clueless and claimed they fired the third party contractor. We got the run around for weeks until I threaten to call corporate. 

I reached out to XXXX XXXX XXXX IN to ask for verification and documentation that the debt on my credit report is correct and accurate, but to date they have not been able to provide any information. Therefore according to the FCRA this should be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX this account is involved in XXXX XXXX XXXX XXXX this account is involved in XXXX XXXX XXXX  XXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, Engelhadt V. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

I tried to setup online accounts with credit karma, experian and creditwise and they cant setup an online access to any of the above
Product: Credit card

On XX/XX/2024, made a purchase for {$500.00} at XXXX, purchased a XXXX gift card, the gift card was damaged and unusable, I contacted both XXXX and XXXX to try and get a replacement card to no avail, I disputed the charge, but bank ruled dispute in favor of merchant stating I received the gift card, despite me telling them I received a piece of plastic which I cant use and someone pocketed {$500.00} dollars which I am supposed to pay by next billing statement
Product: Debt collection

AES is not abiding by the laws that are in place when it comes to Wiretapping laws in Pennsylvania. On XX/XX/2018, AES was contacted by me. They advised that they were recording the phone call, to which I said I was also recording the phone conversation. They said they did not authorize the recording, to which I said that I only authorize recording if AES authorizes me to record the same phone call. 

The representative said she had to transfer me to a non-recorded line, and then proceeded to ask for my personal information, to which I asked if they were still recording the call. The representative then proceeded to transfer me without getting my information. I got a new representative on the phone moments later. I informed that representative that I was recording the phone conversation, to which she also said she didn't authorize recording from my end. I asked her why they don't allow authorization if they are ok with authorizing the conversation from their end. I then proceeded to tell her that the previous representative stated that I would be transferred to a non-recorded line, to which the current representative said was false. I then asked for a supervisor to which I was not given as the representative stated no such authority figure was available at the present moment. I then just let her know that I would call back and see if a different representative would corroborate everything she said, to which she was dismissive. Eventually I dialed back and got a different representative who couldn't answer any questions or concerns I had about the lack of integrity for this type of situation. 

AES needs to understand that if they continue to record any conversations without my direct permission, I have the legal right to request those phone calls or have an investigation initiated to properly dispose of any conversations that were " illegally '' recorded. I have reason to believe that AES still keeps phone conversations that were illegally recorded ( recorded without my direct authorization ).
Product: Mortgage

I sent XXXX XXXX XXXX ( sub-servicer of Lakeview Loan Servicing , LLC ) notice of debt validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g requesting the following : SPECIFIC ITEMS REQUESTED 1. What is the name and address of alleged creditor?

2. What is the name on file of alleged debtor?

3. What is the alleged account number?

4. What is the address on file for the alleged debtor?

5. What is the amount of alleged debt?

6. What was the date this alleged debt became payable?

7. What was the date of the original charge or delinquency?

8. Was this debt assigned to a debt collector or purchased?

9. What was the amount paid if debt was purchased?

10. What is or will be the commission for debt if collection efforts are successful?

11. Have any insurance claims been made by any creditor regarding this account?

12. Have any judgments been obtained by any creditor regarding this account?

Please attach copies of the following : 1. If applicable, the agreement with your client that grants any collection agency the authority to collect this alleged debt.

2. The signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.

3. Any agreement that bears the signature of debtor, wherein agreed to pay creditor.

4. All statements while this account was open.

5. The name and address of the bonding agent for all and any debt collectors involved in the collection of this alleged debt 6. All insurance claims made by any creditor regarding this account.

7. A full audit trail and all Forward Flow agreements 8. All transfer notices pursuant 12 CFR 1024.

9. The company 's debt validation process 10. Proof that the company completed the debt validation process.

11. Proof that debtor has validated debt.

They replied with following documents : security deed, Loan Estimate, Closing Disclosure, Account History, Annual Escrow Account Disclosure Statements, Conventional Breach Letter, and six months of monthly statements.

I am now demanding Lakeview to delete this account since it has not been validated, zero out the balance on this account, grant me my title lien free, pay the attached invoice and compensate me for every violation labeled in the attached exhibits, Deletion of any of my accounts with them from all consumer reports. 

1. Lakeview did not provide a legally binding contract between them and I.

2. Lakeview did not provide any legally binding Flow Forwarding agreements or legal audit trails.

3. Lakeview did not identify the original creditor.

4. Lakeview did not provide the steps or a process of debt validation investigation.

5. Lakeview did not provide evidence that they actually completed a debt validation investigation.

6. Alleged debtor ( myself ) disputes the validity of the debt with alleged creditor ( Lakeview ).

7. Lakeview did not provide any transfer notices from original creditor pursuant 12 CFR 1024.
Product: Student loan

This is a correction to XXXX. A Student loan that I was not aware of was being garnished from my wages. I was never notified from the company or employer. I then had a medical issue which caused me to take time off work. I then had to file bankruptcy. I informed ECMC that I was looking in resolving the confusion and that they need to defer or put a forbearance on the remaining balance. They refused and continued with taking my tax refund and then when did return to work and still having the ombudsman involved in looking into the issue with ECMC, I was still being garnished. Even after bankruptcy filing. ECMC took almost {$20000.00}. They never communicated or contacted me. If they knew my employer then they should of sent certified mail there if they continue to say they mailed info out. They did not. Why would I default on a loan when I was paying my original student loan on time and it was set on autopay. They created a more of a financial hardship after the bankruptcy then before it. The amount of the loan and what was garnished are very close and what they said was my remainder balance was wrong. It should of been in a deferred or forbearance to reduce fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft i have some unauthorized fraudulent inquiries listed on my report.see attachment
Product: Credit reporting

This is not mine when I called ERC XXXX enhanced recovery ) they had a different name on the account an Ohio address for whoevers account it is. They had me e-mail in a copy of my DL and a brief explanation and said it w/be taken off my credit report. I did, it was n't. So I called back a few months later the lady said she saw all the info/conversations that had taken place and did n't know why it was n't off my credit report. She had me send in everything I had previously sent in again. Here it is another couple of months it 's still on my credit report. They have admitted it should not be on there so why have n't they removed it? In fact, they reported it this month to a different agency.
Product: Bank account or service

In XXXX my identity was stolen when my health insurance company was hacked. Somebody filed a phony tax return in my name. I got that cleaned up and thought everything was over. In XXXX XXXX the XXXX was breached and a person in OK XXXX had my mail forwarded to them illegally. There was enough evidence that a police report was filed. The following week I learned that XXXX credit accounts were opened in my name and cards were sent to OK XXXX ( someplace I have never been to and is XXXX hours away ) I was able to contact and correct the issue with XXXX out of XXXX banks/lenders. I first called XXXX on XXXX/XXXX/XXXX and was assured that the fraudulent report would be removed from my credit report. A few weeks later I received a letter dated XXXX/XXXX/XXXX stating that they were now refusing to remove it from the credit report stating that I has provided personal identification information and they were not at fault. I called them the same day XXXX resolve the issue. The person I spoke with for an hour was unable to reach their fraud department but agreed that this was wrong. They gave me a direct number to call the fraud department. I called again on XXXX/XXXX/XXXX and was placed on an automated system on hold for over 30 minutes without ever speaking to a person.
Product: Debt collection

I have received several mailings via USPS and phone calls and duplicate reports to the credit bureaus in reference to these alleged debts : Spring Oaks Capital LLC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have requested many times that the debt be validated and only received a response saying that it's validated but I have no idea who validated the debt or how it was validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had any updates on my Transunion credit report. However, every other bureau delete all of the accounts that did not belong to me. Transunion did not process them and they are taking a long. There is no way there were able to validate any of the debt because I have never lived at any of the addresses on my credit report. I sent in an FTC identity theft report with all of the accounts that I was requesting to be removed and maybe only one account was removed. I have sent in my ID and Social which I am very uncomfortable doing being that I am a victim of identity theft. I don't understand why these accounts are taking too long and they they are not able to update these items.
Product: Student loan

I am currently enrolled in the SAVE plan. My payment is currently less than the monthly interest that is accruing on my account and therefore I should be receiving an interest subsidy from the federal government. I have spoken to multiple people about this and received conflicting and contradictory information. In my most recent interaction with a customer service rep she did not understand what I was speaking about with the interest subsidy. She then told me the interest subsidy should be applied on XX/XX/XXXX and on the XXXX of every month. I requested that she point me to a policy or statement from aidvantage that the interest subsidy is being applied every month. She changed the topic and refused to point to any such statement or policy. I told her I had yet to see an interest subsidy applied to my account over the past 6 months. She then told me that the interest subsidy is being applied but is not reflected on my account on the website. That means it's currently showing the incorrect amount of what I owe and would let me pay off more than I owe if I were to pay a loan in full. I explained this to the customer care representative and she logged off and ended the interaction abruptly. Based on this interaction I have reason to believe Aidvantage is either a ) using uneducated customer care representatives who do not meet minimum standards to be servicing customers b ) consciously misinforming consumers or c ) incorrectly applying the interest subsidy and hoping customers will not notice.