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

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as XXXX XXXX XXXX XXXX and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Product: Debt collection

I HAVE A TD BANK ACCOUNT REPORTING ON MY CREDIT REPORT AND AS A FEDRERALLY PROTECTED CONSUMER I HAVE BEEN STUDYING CONSUMER LAWS AND I KNOW MY POWER AND RIGHTS I NEVER GAVE ANY WRITTEN PERMISSION TO TTD BANK TO FURNISH ANY REPORTS TO THE CREDIT REPORTING AGENCIES NO CONSENT IS IDENTITY THEFT I NEED THE ACCOUNT REMOVED FROM MY CREDIT REPORT WITHIN 4 DAYS OF RECEIPT OF THIS NOTICE I HAVE ATTACHED AN FTC LETTER.
Product: Credit card

bank of america continues request i pay my debt of my credit card i have been scammed and lost tremendous amount of money while having acount at bank of america unable to pay my debt due to the scam i was involved in need help assistance resolving issue matter of debt and scam.
Product: Vehicle loan or lease

I leased a 2017 XXXX XXXX from US bank on XXXX XXXX. The lease was schedule to expire on XXXX XXXX. On XXXX XXXX car was stolen. the agreement provided that that I could purchase the car at the end of lease fpr XXXX. Due to theft of car I denied the opportunity to by the car. 
The insurance Company paid US Bank {$51.00} XXXX. I called US Bank to give me extra money {$18000.00} they received from insurance. 
As lease was expired on XXXX, and car was theft on XX/XX/XXXX, XXXX i was kept paying {$870.00}. I paid this amount, XXXX, XXXX, XXXX and XXXX, XXXX month. They sent me a check amounting {$1200.00}. ( without any calculation detail ) which is not a true retroactive payment of four months.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, Inc. ) due to an adequate customer service and unfair practices, which violate the consumer financial protection act in ( CFPA ) specifically Cash App fail to take timely and effective measures to prevent the address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

the three credit reporting companies have violated my rights under the FRCA rule for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into three times that last was on XX/XX/2019 and supporting documentation was also sent with the same results
Product: Debt collection

On XX/XX/18, XXXX XXXX ACH debited my personal checking account for {$3800.00}. I have never had a XXXX. My wife is the only other signer on my checking account and she has never had a XXXX. And we certainly did not authorize our checking account to be ACH'ed. 

The transaction description on my checking account is as follows : Pending ACH Debit ORIG CO NAME : XXXX XXXX CO ENTRY DESCR : CREDITCARD SEC : WEB XXXX XXXX XXXX XXXX Link to more information in a new browser window. {$3800.00} My bank stated the phone number they showed for the transaction was XXXX. When I call this number, it says 'Settlement Department ' and refers you to leave a voicemail which I did. 

I tried calling all the customer service or complaint numbers that I could find for XXXX XXXX. They all go to the same place. I was told that there is nothing they could do because I don't have an account with them. I tried to get them to refer me to a different number where they could help me, but they said there wasn't one. 

I only want to understand how XXXX XXXX has my checking account info and why they attempted to ACH it. I'm worried my identity has been stolen or bank account info compromised. Or that Barclays simply made an error and someone fat-fingered an account number. I didn't want to file a complaint here, but there doesn't seem to be any way to contact someone in the company that can tell me what happened.
Product: Debt collection

I requested proof of debt owe and didn't get a response. I don't owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card I disputed multiple time that the XXXX year mark for reporting passed and that the account should be removed. After that capital one began reporting it as charged off every month.even this month of XXXX in retaliation. It was already charged off once and never reopened. I continued to dispute via experian XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by email by Experian on XXXX that my credit score decreased. They provided no explanation, either on their website or in the email as to why it decreased. I called the customer support number of XXXX to ask. The automated system only allowed two options to report fraud or request credit report. Would not allow me to talk to live person to explain as to why my credit score decreased.

Why does Experian get away with decreasing credit scores without explanation and why does Experian not allow us to talk to live person. Its my credit score, not there's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to annual credit report to see whats going on with myself and wifes credit I fellow all options right away Experian took over the page and wont let us get the other 2 agencies report every time we tried to go to other agencies it went right back to Experian this is not right this is fraud Experian also has a 7 day trail for you to get you credit score I paid my {$1.00} and clicked on get my score and it took me to a other window that wanted XXXX for my credit score this again is fraud I want all three agencies shut down these are private companies and there selling our information with all the hacking going on we dont need this so please shut them down today I will be contacting my congress person and my senators to stop these fraudulent companies
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial reported to credit agencies that I was late on my final payment of {$540.00} for lease account # XXXX. 

I did not fail to make these payments. The DEALER failed to make these payments. Please see the attached default letter in which the sales manager at XXXX XXXX XXXX XXXX XXXX writes : Please recognize this default letter as an effort to correct or remove any delinquent information on account number : XXXX, Mr. XXXX XXXX. 

Mr. XXXX grounded his lease in XXXX, fully understanding he would not be responsible for his last two payments in the amount of {$540.00}. He turned in his lease vehicle on the XXXX of XX/XX/2021. 

I failed to process the necessary documents through our accounting department, which caused the delay in paying off the lease. Attached you will find a copy of the payoff check that has been sent to settle the account. Please contact me in the event there is additional information needed to correct this account. 

My efforts to resolve this directly with GM Financial failed. Ten phone calls over a three-month period led me to an " accounts '' department that was reportedly obligated to respond to my written compliant within 30 days. They did not respond within 30 days. Therefore I am escalating my complaint with the CFPB. 

When XXXX customers are in the process of leasing a new vehicle, the dealer and GM Financial present a united front. That united front should continue even when the dealer makes a mistake like this.

Because I assumed as much, my credit score dropped from " Very Good '' to " Fair ''. I feel penalized for having faith in GM Financial 's business processes. They need to make this right and rescind the information they provided to credit agencies.
Product: Debt collection

I have paid the account in full and have confirmation number and bank statement where they processed the payment. They have not taken it off my credit report. They are the last of my debt. I have sent proof of my payment and requested it to be taken off. Have not heard anything from them. Im to the point where I will sue if need be.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on CFPB Complaint ID # XXXX - Unaddressed Legal Violations Dear Alliant Credit Union, Thank you for your response to my CFPB complaint. However, I must point out that your response does not address the specific legal violations I raised. 

1. **15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) ** : Late payment information, as transactions solely between myself and Alliant, should be excluded from my consumer report. Your response did not address this exclusion clause. 

2. **15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ) and ( iii ) ** : You did not confirm whether you provided the required disclosures and opt-out options before communicating information among related entities. 

3. **15 U.S.C. 1681a ( d ) ( 2 ) ( B ) and ( C ) ** : The inclusion of unauthorized credit extensions in my report was not addressed. 

4. **15 U.S.C. 6802 ( a ), ( b ) ( 1 ) ( A ), ( B ), and ( C ) ** : Your response lacks confirmation that required notices were provided before disclosing nonpublic personal information. 

5. **15 U.S.C. 1637 ( b ) and ( b ) ( 10 ) ** : You claim periodic statements were available electronically, but you did not provide evidence that these were consistently accessible 21 days in advance as required by law. 

6. **15 U.S.C. 1681s-2 ( a ) and ( b ) ** : The inconsistencies in reported credit limits and late payments were not addressed adequately. 

Your response focused on the accuracy of reported information but failed to address the legal exclusions and specific requirements under the Fair Credit Reporting Act ( FCRA ) and related laws. I request a thorough review and correction of my consumer report in compliance with these legal standards. I also demand compensation for the damages incurred due to these violations. 

I expect a prompt resolution and a detailed response addressing each of these issues to avoid further escalation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have not supplied the original contracts nor do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  have my wet signature on any documents. 

XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX sold my personal identifiable information ( name, SSN, addresses, etc. ) to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and True Accord are now reporting accounts in collections on my credit reports with Equifax, Experian, and TransUnion.

This is a direct violation of 15 USC 1681b as XXXX XXXX XXXX, XXXX XXXX XXXX, and True Accord do not have my permission to furnish info to credit reporting agencies on my behalf. 

This is also a direct violation of 15 USC 1681c-2 as these accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and True Accord were opened due to identity theft as my personal information was shared without my knowledge and permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681i it states i have the right to recieve a letter in the mail saying things are being disputed and investigated. XXXX  and XXXX failed to do so. 
also 15 U.S.C 1681 ( 5 ) states i if information is found inaccurate or can not be verified it shall promptly be deleted. ALL THREE BUREAUS HAVE INCORRECT INFORMATION ON MY REPORTS ; DIRECT VIOLATION of my rights My one and only legal name and address is " XXXX XXXX XXXX '' ADDRESS IS " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' I demand all other incorrect info be deleted. 

in accordance with fair credit reporting acXXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy XXXX violated my rights the told me i was signing up for free credit reports but since ive not let back into my account and there is a recurring fee. TRANSUNION XXXX AND XXXX have all different things on my report inaccurate open/close dates, accounts that i did not give written insturction to furnish, accounts that are on some but not all ( XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  also charges from or hard inquiries from each bureau showing on my report. 
recurring XXXX XXXX HAS CHARGED ME XXXX times sending repeating emails when i never signed up for that and still have to recieve anything in the mail from all of the bureaus even though this expected and a violation of my rights if not. XXXX XXXX and XXXX  XXXX and m & m have all violated my rights as a consumer, mainly the bureaus for furnishing this inccorect info but also taking action i did not approve of. 

15 usc 1666 a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose THIS WILL BE MY THIRD TIME TRYING TO DISPUTE W THE BUREAUS ON NOT HAVING MY CORRECT INFO AND FURNISHING THINGS ON MY CREDIT WITHOUT MY CONSENT REMOVE THESE THINGS : XXXX XXXX, XXXX, XXXX XXXX, TRANSUNION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited {$3000.00} in cash into a drive-up ATM at a Chase Bank branch in XXXX, Washington on XXXX  XX/XX/2022 XXXX pacific time. In the middle of my transaction, the ATM machine malfunction and rebooted. It then spit back out my card but no receipt was printed. I checked my balance and nothing show indicating the deposit I just made. I took pictures and a video of the ATM screen and then called customer service while still parked in front of it. They told me that their Claims department handles that type of issue but since it was after hours, they would not be open until XXXX eastern time and I would have to wait until then to call. I call the next morning, XX/XX/2022 at XXXX pacific time to file a claim. I gave them the exact time it happened and the increment of my deposit. I was told by the claims rep at that time that they should have it resolved my money should be available after 1-2 days. I patiently waited until XX/XX/2022 and nothing has been credited to my account, so I called the Claims department again. The rep I spoke to at that time kept giving me the run around and said that I just have to wait another 1-2 days. I then got a little upset and asked to speak to a supervisor. When the supervisor got on the line, he told me that since that ATM was service through an outside source, that it would take longer for them to investigate. Which made NO sense to me since it was their branchs drive up ATM. He told me that there was nothing he could do and I would just have to wait. I went to that branch when it open at XXXX pacific time. The branch manager tells me that they do not service the drive up ATMs only the ATMS inside the branch and that she can not help me and that I have to wait for their Claims department to handle it. It is now XXXX  XX/XX/2022, I tried calling the Claims department, again, to check on the status of my claim and was told to wait another 96 hours. 
I feel like they had just stolen {$3000.00} from me.
Product: Credit reporting or other personal consumer reports

I reached out to them via phone on several occasions. Was unable to speak with anyone that spoke clear unbroken English. I requested a supervisor and nothing was done. My investigation was never properly conducted. I sent in proof of payments from the bank and from Affirm portal. Still nothing. I sent the dispute in twice with the credit bureau and nothing was corrected
Product: Mortgage

I am livid on Nation Star 's injustice against me. Nation Star is using fraudulent claims against me in order to deny my loan. XX/XX/2016 I was denied for Hamp Tier 2 due to insufficient monthly payment reduction. Nation Star used The Federal Standardized Living Expenses Calculator ( {$2500.00} ), to calculate my expenses than my actual expenses on my Making Home Affordable Application ( {$1400.00} ) What is even more concerning is that my current market value was not even taken into consideration at that time but to my understanding, the loan to value is important to determine if the payment would increase or decrease. 
I was denied on XX/XX/2016 for a modification again due to their outrageous claim that my home is worth {$140000.00}. There is no way my home is worth that much! My property is grossly underwater and needs a lot of work. I recently paid for an appraisal to be done on my home resulting value of only {$120000.00}. Based on the Hamp Tier 2 guidelines, my loan is eligible under these terms. This is really affecting me due to Nation Star prolonging my case, I am falling further behind in debt. I have attended workshops for struggling homeowners like myself and have learned about my homeowner rights. All I want is a fair review under my correct income and correct property value.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

" Company has no account in my name but an account in my mothers name for something that took place as a minor " XXXX rep
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

Transunion website does not work properly, or does not work at all. Site forgets passwords, and when attempting to unfreeze for a credit card application, site jams up and goes blank, or asks for the same information repeatedly with no further progress after that. This has happened on multiple occasions over several months. Checking on " Is it down right now '' and XXXX indicate that many other consumers are affected by their inoperable website. Tried calling during normal working hours, phone just hangs up. 

It is very worrying that their site is so bad even though key and critical personal information is held by them. What would a customer do if there was identity theft and Transunion could not be reached by phone or on line to put on a security freeze?
Product: Mortgage

Loancare of XXXX XXXX Va has held on to escrow funds that were owe to me since XX/XX/2018. As of XX/XX/18 they still have not paid me and are giving me an excuse that it is taking a while to process. I have called 6 times and have been given the run around.
Product: Mortgage

Despite my forbearance having ended months ago, Lakeview/XXXX has decided to extend it to the date of XX/XX/XXXX. It had ended in XXXX of XXXX and I was not only current, but had paid a month in advance. In XXXX I began working with a new lender to refinance through the FHA streamline program. There have been multiple issues with Lakeview/XXXX seemingly doing everything in their power to prevent the closing. I was to close with my new lender last month but a lien had been placed against me by LakeviewXXXX that prevented the title transfer. We had to move our closing to a date of XX/XX/XXXX. Now my forbearance has an end date of XX/XX/XXXX. I did not request for this to be done. I have auto pay set up through Lakeview/XXXX website and was assured in XXXX the autopay would resume as normal. As of XX/XX/XXXX my payment was not auto drafted. I have had to manually submit a payment now. I called multiple times and was told my forbearance ended in XXXX, ended in XXXX, ended XX/XX/XXXX or ended XXXX. I asked for the documents to be sent and was told I couldnt get access to them any earlier than XX/XX/XXXX. I requested the issue to be escalated and was told the only way to do that was to file a complaint online. When I go to the contact us section, there is no option to file a complaint to escalate an issue of any kind.