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

My XXXX XXXX  XXXX was totaled in XX/XX/XXXX due to an auto accident. I notified Ford, XXXX my insurer of such. There was a remaining balance after XXXX totaled the vehicle. 
Ford advised me I have a Gap Insurance company- XXXX XXXX. 
I contacted XXXX XXXX and worked with Ford, XXXX to get this resolved. 
I supplied all necessary paperwork and reports. 
XXXX XXXX stated XXXX failed to report a 6 speed automatic transmission and a XXXX radio being part of the totaled XXXX  XXXX. I notified XXXX of this matter- twice. I received a call from XXXX stating they saw the XXXX radio issue, but did not believe the 6 speed transmission was an issue. I advised according to XXXX XXXX- it was. 
I have been getting called by Ford  Motor Credit- several times each day- and night, some calls coming in after XXXX in the evening. I have advised Ford of the situation, but they continue to call. 

My complaint is Ford needs to stop harassing me. XXXX needs to do their job. And, XXXX XXXX needs to contact XXXX not me. 

XXXX XXXX XXXX CO
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXXXXXX - {$1200.00} XXXX XXXX - XXXX - {$810.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Student loan

Several missed forbearance requests that have been ignored, several payment date consolidation requests that have been ignored, several calls to the service company where the representatives were not helpful including times where I have been disconnected while speaking with representatives.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' XXXX and Equifax 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 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this 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 who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to Equifax, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items 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 1681s-2 ( 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. 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

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for 'verification ' or proof of my mailing address, but a request for 'VALIDATION ' made pursuant to the above named Title and Section. I respectfully request that your office provide me with factual evidence that I have any legal obligation to pay you. 
Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license number and Registered Agent. 


If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate to bring legal action against you for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act -Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Kind regards, XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank closed 5 of my accounts with them this past fall. All 5 accounts had XXXX balances. 4 of the 5 closed accounts had been active within 90 days prior to closing. None had ever had a single late payment and all had relatively healthy credit limits, a few of which had very been recently raised by Synchrony ( mere days before closure ), demonstrating my credit worthiness, according to their own criteria. My one remaining account with Synchrony, a XXXX issued credit card, has since had a credit limit increase. Again, this demonstrates the creditor 's endorsement of my credit worthiness. 

My credit score at the time of closure by Synchrony was hovering in the XXXX range and showed 100 % on time payments across ALL accounts of record. My job has not changed in 8.5 years, though my income has increased steadily over that time. My debt to income ratio at the time of closure was at its all time best.

In addition to the closure, I had rewards points accumulated on my Synchrony Bank issued XXXX. All points were wiped out with their unilateral closure of that account and I was told they were forfeited upon closure. This is unacceptable and Synchrony Bank has been sued in California for this very practice ( and lost ). If they are not going to honor their rewards points agreements, what good is having a rewards card? 

I have recently discovered online hundreds of other similar complaints by consumers for similar closures or unwarranted lowering of debtors ' credit limits by Synchrony bank, demonstrating a pattern of bad faith practices on the part of this creditor. This practice makes it difficult for consumers to maintain high/optimal credit scores when their accounts are arbitrarily closed by the creditor with no explanation or warning. They must be reigned in from continuing this practice. What is the government prepared to do about this on behalf of consumers everywhere?
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look at my credit because I need to start helping my mom pay for your medications. I went to the bank and they denied me and stated I have too much debt. So I went back to look at my credit throughly and saw some things on there I dont know where they came from. I was told you all can help me. Im doing this on my own and would like for all the remove these items. I reached out to you all about two weeks ago and havent heard anything. Please have the credit bureaus to take these accounts off my credit 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 or other personal consumer reports

Inquiries are not authorized by me. I lack any information about them, and the company carried them out without seeking my approval.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block., Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute process was unfair and deceptive and failed to reassure me or assist in recovering my funds. They did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. these actions have caused significant inconvenience and financial loss and I see appropriate resolution for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as XXXX These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to set up credit freezes with all 3 major credit reporting companies due to the constant leaking of personal data from multiple companies, including the State and health insurance companies. Given that taking personal information offline is impossible, I want to setup credit freezes. I was able to do so with the other 2 companies with no issues. 
When I first setup my Experian account, after inputting all my info, I got a message saying they were unable to " verify my identity '' and that I would need to call a phone number to finish verifying my account. 
When I called the number, it is only an automated phone tree that requires you to enter your FULL social security number, and led absolutely nowhere. I was left on a dead phone line with no indication if anything had been verified or I actually had an account setup. 
I found another Experian customer service number, and called that with the same results. Endless phone tree with no way to connect to an actual person to try and verify anything. 
I eventually asked to put a freeze on my account through the automated system after trying multiple times to get through to a person. I think I setup a freeze but honestly I have no idea if it actually worked. 
I attempted to login to my account to try and actually SEE my information, and when I login, I get directed to a page with nothing on it but a button to click to " order my free experian credit report ''. There is absolutely no other options on the page and I can not access any other part of my account that I think? (? ) is activated but I can not verify, beyond that it will let me use my username and password to login. I do not want a credit report from them and i want nothing to do with Experian except being able to freeze my credit and actually confirm that it has been done. 
In addition, there is NO actual contact information on their website. The only options are the same phone number I have already called, with no ability to talk to a human, and a mailing address. No email, no chat, nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have this secured credit card account closed back in XXXX of XXXX. According to XXXX XXXX XXXX this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.
Product: Mortgage

I entered into forbearance on my investment property in XXXX of XXXX. I called to make arrangements and started paying my mortgage in full starting in XXXX of XXXX. I formally submitted all documents to my lender HomeLoanServ on XX/XX/XXXX ( and I have a letter from them declaring this as fully completed ). To formally end my forbearance, I have been instructed to submit documents as I have and I've been instructed to keep paying my mortgage. I have to date paid four consecutive on-time mortgage payments and will be paying my fifth in about a week. The final step to ending my forbearance is my receiving, signing, and notarizing of a government-generated ( not sure if state-level or federal ) document to being mailed to my address here in XXXX, IL. Once I get that document signed and notarized and sent back to the mortgage company, I will be officially out of forbearance. 

The issue I am running into is that this document should have arrived at 30 days after submitting all of my documents, only to later hear from my lender that it would likely take 60 days - that would have been the very tail end of XXXX for the 30 day estimate, and the tail end of XXXX for the 60 day estimate. Its now approaching XXXX. After speaking with the finance company in follow up, they told me that they have been advised to tell folks to " expect this to take 60 days instead of XXXX, but it will in reality be closer to 120 days '' 120 days from submission would put this document in my house this coming week and I have no reason to feel assured that this document is going to be produced any time soon. I am currently in the process of refinancing this home so I can purchase a new home, and I currently under contract to purchase a new home. If this document continues to be delayed ( and it has already been delayed by a quarter of the year ), I will lose my opportunity to purchase this home and I will lose my earnest money. I already have an extended proposed-closing date set for XX/XX/XXXX. Having fully submitted all documents and fulfilling my obligation in full for going on five months, and with this document being delayed without explanation for almost a quarter of the year, I am starting to grow very worried that I'm going to suffer financial consequences and I am going to lose out on purchasing this home because of this delay. I can't do anything about this, all I can do is stay in limbo and keep paying my mortgage. This home is the dream home for my family at this stage of our lives and we can not risk losing our opportunity to move here, given that we are fully qualified buyers and we have an accepted offer to purchase. 

Please help me to formally end my forbearance by getting this document generated and expedited to my house so I can move on and finish this refinance. This has been going on for a very long time, and I'm not left with any options. My family and I are very concerned about this delay extending another several weeks, and potentially ruining our contract to purchase our new home. We would love to receive an attentive and immediate response here. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is in violation of the privacy act of 1974, and furthermore has been notified to cease and desist with any and all forms of communication. Upon reviewing my consumer report they are still reporting the account on my report which is a means of communication. 

They are also in violation of 16 CFR 313.10 Limits on disclosure of non public Personal information to nonaffiliated third parties.

313.8 Revised privacy notices.

( a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 313.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure ; and You did not do the following XXXX XXXX did not disclose or provide me with any type of notice.
Product: Student loan

The original loan amount was for {$7500.00}. It has now ballooned to over {$16000.00}, with {$23000.00} total accrued interest. I have leaned that private student loans require a XXXX XXXX of at least XXXX. Back when these loans originated with XXXX XXXX XXXX XXXX  years ago, my XXXX XXXX was barely XXXX. So these loans should have never been granted as a XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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.
Product: Credit reporting or other personal consumer reports

I had a auto loan with capital one auto. I traded the vehicle in and i am showing a XXXX write off on my credit report. This information is incorrect. As the dealership requested the full payoff of the existing loan.