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

I have one money order in the amount of {$1000.00} that has not been reflected to my account at American Honda Finance on XX/XX/year>. The issue has been prolonged for over a month with no accountability from management or the payments department. I have been in communication every week with customer representatives to result in no real resolution. 

Furthermore, due to the failure of American Honda Finance to process this payment and requiring me to seek out a copy to prove this payment was cashed out. I am requesting this {$20.00} payment I made to USPS for getting the requested proof of payment documentation to be credited to my Honda account. This means I am requesting American Honda Finance to credit {$20.00} to my Honda account for causing this financial burden due to the payment 's team mistake. 
Another issue is the payments team unwillingness to review the documentation provided by USPS. Their excuse is the documentation is not readable which shows the complete incompetence or lack of effort to complete their task to read the documentation. I had to read the company 's own account numbers with XXXX XXXX out loud to a customer representative to make them scribe for the payments team what the proof of cash out shows from USPS. The payment has been indeed cashed out by American Honda Finance. it's been deposited to their wells fargo account. I don't understand the issue at all to locate this payment.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the listed accounts below has violated my federally protected consumer rights to privacy, confidentiality, accuracy, and confidence under 15 U.S.C 1681 Bankruptcy Case Number : XXXX, and Bankruptcy Case Number : XXXX has violated my rights under sections : 15 USC 1681 section 602 ( A ) ,15 USC section 604 ( 2 ), 15 USC 1681 section 6060 ( 2 ) ( a ), 15 USC section 6048.
Product: Prepaid card

American Express eGift cards are not usable on any major platform including with vendors they state it can be used with. Their customer service is not helpful nor do they give information to resolve the matter. Their instructions of adding your personal name and address upon check out does not work with vendors and causes payments to be blocked. I am unable to use the gift card gifted to me by my employer. I have current two of significant amounts. American Express eGift cards can not be used in a way that they are advertised and listed as being able to be used due to the way they are set up. If used the way they are instructed to be used they will trigger a blocked payment. I am also unable to add the gift card to my digital mobile wallet due to the nature of the gift card product despite it being listed by American Express of being able to. There is no way for me to access the funds at all.
Product: Debt collection

In XXXX, XXXX, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Product: Credit reporting or other personal consumer reports

This credit reporting agency is reporting information regarding my payment history without my consent. I have not given it the authorization to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to the this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization. This credit reporting agency is also in violation of the Privacy Act of 1974 which states that, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments on my credit report.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute inaccurate personal information listed on my credit reports. Despite numerous attempts over the years to have this incorrect data removed, all three credit bureaus continue to report wrong names, incorrect addresses, and inaccurate employment information on my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( 15 U.S.C. 1681g ), I have the right to receive complete and accurate information on my credit report. Additionally, FCRA Section 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies investigate disputes thoroughly and correct or delete any information found to be inaccurate or unverifiable. The persistence of this erroneous data, despite my previous disputes, demonstrates a failure to meet these obligations.

The reporting of inaccurate personal identifiers increases my risk of identity theft and fraud, especially in a world where millions of people have similar names. The FCRA requires that credit reporting agencies ensure the maximum possible accuracy of the information they report under Section 607 ( 15 U.S.C. 1681e ( b ) ). Your failure to maintain accurate records has caused unnecessary harm and confusion.

I am requesting the immediate removal of all incorrect names, addresses, and employment information from my credit reports. Additionally, I am requesting written confirmation once these corrections have been made. Failure to address these inaccuracies properly may result in legal action under Section 616 ( 15 U.S.C. 1681n ) and Section 617 ( 15 U.S.C. 1681o ) for willful and negligent noncompliance, respectively. 
Please consider this letter my formal dispute and act promptly to correct my personal information.
Product: Mortgage

Ocwen XXXX is still trying to force me into foreclosure. After I sent them a payment of {$50000.00} dollars via wire transfer. From XXXX XXXX XXXX XXXX XXXX XXXX Al. They have continued to call and harass me at work saying I owe them {$59000.00} AND CHANGE. 
I am more than willing to pay the balance. But I will not put up with harassing phone calls. 
thank You for your time and consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the XXXX XXXX XXXX Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX ( IXXXX ) in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX XXXX complaint alleges that XXXX  was actively involved in the creation and the implementation of the XXXX loan program. The complaint alleges that XXXX induced its students to take out the loans by a variety of means, and that XXXX knew or was reckless in not knowing that many student borrowers did not understand the terms and conditions of the XXXX loans and could not afford them. 

On Saturday, XX/XX/XXXX, it was announced that student loan cancellation benefits will be offered to XXXX former XXXX XXXX XXXX, with up to {$160.00} XXXX dollars in debt being forgiven. 

This agreement was reached as part of a deal between the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals from 43 different states, and Student CU Connect ( CUSO ), the company who distributed and managed private student loans for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

On XX/XX/XXXX, I wrote a letter to XXXX XXXX stating that they are reporting on my credit report a debt that I do now owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. 

The company could not provide me with competent evidence that states that i had any legal obligation to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax on XX/XX/23 about some personal information that wsnt mine and needed to be removed to make my report accurate. I have not received any information in regards to this matter.
Product: Debt collection

As a result of the national emergency or pandemic, I withdrew from XXXX XXXX XXXX on XX/XX/XXXX. Due to the return of title IV funds, I was charged back for the loans I took out for the amount of XXXX and XXXX XXXX is now holding my transcripts until I pay that balance off ( it has now been sent to a collection agency by name of CONSERVE-XXXX  and charged an extra XXXX on top ). Under the Federal Cares act attached below, students who withdraw or withdrew during the national emergency announced by the White House in XXXXXXXX XXXX XXXXXXXX extended until XXXX, are not required to return the title IV funds ( see attachments ) if they withdrew due to as a result of the pandemic yet I was still charged back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report that does not belong to me. Specifically, an account with XXXX XXXX ( account no. XXXX balance {$3500.00} ) and two ( 2 ) XXXX XXXX accounts ( account no. XXXX balance {$960.00} ; and account no. XXXX balance {$610.00} ). I can not count the number of times I have contacted these four ( 4 ) companies to report fraud and ask for these accounts to be removed. Yet, they continue to be listed on my credit report in violation of FCRA guidelines. I have already sent my FTC report to these companies and the accounts should have been removed a long time ago.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion and XXXXXXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting Act this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have a right to privacy. 15 USC 1681 Sec 604a Sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Bank account or service

Good Morning, I filled a dispute on a XXXX transactions to XXXX bank on my Debit Card and they have choose to close the case saying its more then 6 months. The transaction happened on XXXX/XXXX/16 and was posted to my account on XXXX/XXXX/16. This is for Car Transmission that I got repaired from XXXX Transmission and got One year Warranty or XXXX Miles which ever comes first. Its now 6 months and couple of days and only XXXX miles driven and My car transmission again went completely bad on XXXX/XXXX/16 and I made several calls and even visited the XXXX Transmission and found out they have closed the business and some other workshop has taken over. I have all proof of all receipts, calls made and photo of the new workshop that has taken over. it has cost me {$3200.00} and over this is truly fraud my car transmission was not made properly and valve body was not replaced with a new one. I have to pay again {$3200.00} to get it repaired. Please I need justice. 

Attached is the e mail I send out to XXXX bank and they have chosen to close the case saying its more then 6 months. I have filled XXXX more disputes with credit cards that I have used to pay {$3200.00} to XXXX transmission to cover the cost and they are investigating. 

Attached is the letter I send to XXXX bank. 
To Account : XXXX bank Date : XX/XX/2016 Account Number : Checking XXXX Subject : All Other Reference : XXXX Hello I called few days ago regarding XXXX transactions from XXXX Transmission from XXXX 2016. 

XXXX for {$500.00} and other for {$1300.00}. 

XXXX transmission did repair on my Car and promised me warranty for one year and also put new Valve Body in the transmission. 

Transmission completely failed few days ago and I was stuck in the road on my way back home. 

I tried calling XXXX Transmission couple of times no answer and I tried called Manager XXXX XXXX who dealt with me he also does n't answer. 

I went to the XXXX Transmission in person. Business is no longer available and as per new owner they were evicted and business has changed Name. 

I have all proofs and took pictures of the new firm occupying the place. 

I would like to have full refund of my money because I have to pay again for the repair of the Transmission to a new company. 

Hope to hear for you soon and I would need extreme help for XXXX bank on this. This is totally unacceptable of XXXX Transmission. 

a ) I have proof of the warranty paper for one year for the repair. 
b ) Proof of the new repair fro new company that Transmission is not working and I have to pay all over again. even tho for Valve Body that XXXX Transmission replaced in new. 
c ) Picture of that there is new company under the same address. 

I am ready to provide any documentation or proof to prove my case. 

Best Regards,, XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had some fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit and buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 4 dispute letters to Experian regarding late payments on my report that are not accurate, for 7 accounts. I submitted letters via certified USPS mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Each letter requested them to investigate the late payments, and my statement was : " I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. '' Following each letter Experian responded with a dispute result, with each account status listing : This item was updated from our processing of your dispute in { Date } On subsequent credit reports, 3 accounts with XXXX  XXXX had a comment that stated Account previously in dispute now resolved reported by subscriber. '' 4 other disputed accounts did not even contain comments to indicate anything.

Each of the 4 dispute results was responded to in a way that they failed to provide how they verified any negative information as accurate, through what agency or company it was verified, or any statements or proof from whoever provided the information. This provides me with no resolution to my disputes whatsoever. 

My dispute letters are attached.
Product: Checking or savings account

XXXX the manager at citizens bank keeps lying and not answering questions regarding promotion of {$400.00} for opening account I was told XX/XX/XXXX was when the deposit will happen and she said different date which is a lie. Cause websites says XX/XX/XXXX and she will not show me the info she is providing
Product: Mortgage

On XX/XX/XXXXXXXX XXXX XXXX I received a message from Carrington Mortgage to call them back. I returned the call and during the course of the conversation confirmed that I was not affected by Hurricane Helene, there was no damage to the property, nor was I requesting forbearance or any assistance/loan modification. On XX/XX/XXXX I received a letter from Carrington entitled, " Presidentially Declared Major Disaster ( PDMD ) Forbearance Voluntary Cancellation Notice '' wherein they allege to have " received a request from you to voluntarily cancel your ... forbearance plan. '' Furthermore that " your request has been processed and your loan is no longer in forbearance. '' As mentioned, I never requested forbearance nor ever completed any application for forbearance. On the contrary, I instructed on XX/XX/XXXX that I did not need forbearance. This letter leads me to believe that my loan was put into forbearance by Carrington leading to potential negative consequences for me in the future.