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

I leased a XXXX XXXX and bought the vehicle at lease-end. The title was held by XXXX XXXX XXXX Trust. I paid for the vehicle in full, plus tax, on XX/XX/2020. The amount I paid in sales tax, {$1300.00}, was clearly added to the payout and documented on the XXXX. First, it took nearly four months and multiple phone calls to get the title sent to me. Included in that mailing was a cover letter, the title, and the bill of sale, which is what I took to the Secretary of State office to get the title transferred. They informed me that this documentation only shows that I paid the tax, it does not verify that the tax was paid by XXXX to the state. The Secretary of State office said I need a " receipted copy '' of the ST-556 with a confirmation number, which verifies tax was paid to the state. After multiple additional phone calls to XXXX, I received a copy of the ST-556 that did not have a confirmation number. I called again and after a long call the customer service rep told me that the Tax Return Number on the XXXX is the confirmation. Another trip to the XXXX of XXXX office ( and more time off work XXXX and they explained this is not the confirmation number and gave me a printed example of exactly what I need. I have since talked with two additional people at XXXX customer service and still dont have the correct documentation to get the title transferred. They are now telling me it can be two weeks, even when escalated. No one has even been able to confirm for me that the tax was actually paid. My current lienholder is demanding proof that the title is in their name yet XXXX is keeping me from transferring the title. It has been almost six months since I paid for this vehicle in good faith. They either didnt pay the tax or are refusing to send me the correct documentation. I have called nine times with no resolution and consider this fraud at this point.
Product: Credit card

I was in the XXXX XXXX, KS American Eagle store on XX/XX/ and the sales agent told me to scan a QR code to access my AE credit card since I didn't have it with me. What I didn't know, is that it also produced a credit inquiry on my credit report. I already had a card. I don't want a new one and I certainly don't want another ping on my credit report. I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My phone was reported lost, there were unauthorized charges made to my account with my PIN number because person who found my phone was able to access personal information. I informed Citibank of the following concerns and problems and they still denied my dispute.
Product: Debt collection

This account was past around to 14 different creditors. The account was closed but I guest management services incorporated picked it up. The account once was removed off my credit report but the collections agency keep putting it back on every new year. Someone used my name after I pulled back from cosigning. The sales rep at the dealership proceeded anyway after I told him I changed my mind. The next day after me leaving the dealership. This account was back in XX/XX/XXXX. Now the debt collector place it on my credit as XX/XX/XXXX with the amount of {$10000.00}. I reached out to the collector and told them what happened and said the can do a settlement for {$1000.00} I agreed but then I ask can I receive a letter of proof stating I resolved the matter and they said I would have to wait. I thought if I pay with my Credit card I should be able to receive proof so now I had doubt on paying the settlement and the reason I was going to pay the settlement because I was trying to buy a house because I just got married and need the later to proceed with buying my house. I really don't fill like I am responsible for this debt.
Product: Credit card

TARGET violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. TARGET has also violated the Minnesota Commerce Department ( PCFA ) by violating my right to delete, my right to opt out, and my right to limit. I provided TARGET two ( 2 ) notices exercising my rights under FCRA, FDCPA, and PCFA and they continue to recklessly and negligently violate my rights. TARGET also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies : namely, XXXX and XXXX. TARGET has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's 424B prospectus. However, TARGET failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. Lastly, I sent to TARGET a properly indorsed and endorsed note, giving it value, for TARGET to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from TARGET. TARGET is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXX Balance : {$5.00} ; XXXXXXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts in collections on 1 of my reports that I've been trying to dispute for about 6 months.. no luck with the disputes or the status.. I've never heard a word back from them ... 1 of my reports fixed the issue in less than 21 days.. 1 account was paid by insurance and was never late ever ... and the other account has a few issues.. wrong dates and payment history.. its affecting my scores and my life.. I need help fixing the problem.. thx
Product: Debt collection

We received a collection debt from XXXX XXXX XXXX XXXXXXXX XXXX  {$310.00}. I have never lived nor requested service for this business. Spoke to the company on XX/XX/XXXX and previously reported this to XXXX  and reqeusted his acct be frozen until further notice. fraud alert was submitted in XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate : XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX, XXXXXXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, OFFICE OF THE ATTY GEN Account # : XXXX
Product: Credit reporting or other personal consumer reports

All XXXX credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE XXXX  DAYS EVEN UP TO XXXX  DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE XXXX  OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TRANSUNION for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TRANSUNION consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I opened a CareCredit card due to illness, the approved {$5300.00}. The balance I had left was {$700.00} and on XX/XX/XXXX I was charged more than {$1400.00} on interest over the whole amount not just the {$700.00} I had left, which is outrageous! This company is scam, I spent more than {$5000.00} and my physical pain has double due to this excessive amount of interest I'm being charged!
Product: Checking or savings account

I initiated a debit card dispute with Navy Federal Credit Union on XX/XX/2020 related to two charges by a travel agency, XXXX. XXXX has repeatedly lied, broken federal law, and changed their terms and conditions after purchase without notification to us. I have written confirmation from XXXX  that the terms and conditions were different when we purchased. I submitted over a hundred pages of evidence to Navy Federal Credit Union in related to this claim and the illegal activity of XXXX. On XX/XX/2020 I was informed that the claim had been partially decided in the favor of Tripmasters based on their new terms and conditions, which were NOT the terms and conditions that were in place at the time of purchase. We are not beholden to their new terms and conditions due to this, as the terms were different when we purchased our travel package. I have submitted this evidence to Navy Federal. I requested a formal, second look appeal by Navy Federal E-Message as directed by a Navy Federal call center representative on XX/XX/2020. I called back to Navy Federal on XX/XX/2020 and got another call center representative who confirmed the E-Message was received but had not been responded to yet and that the credit given to us would be removed from our account on XX/XX/2020. I expressed concern over this, as XXXX acted illegally and I was concerned that the evidence we submitted had not been properly reviewed. I was advised yet again to send another e-message related to the appeal to ask that the credit not be removed pending review of the evidence. 
The credit was removed anyway, despite the mountain of evidence provided to Navy Federal. I have also not received acknowledgement of my appeal or the review of the evidence. This is causing not only financial strain for my family but emotional distress, especially since our financial institution of over ten years is now aiding and abetting a company in committing illegal actions and are going against Department of Transportation regulations related to the COVID-1XXXX emergency.
Product: Money transfer, virtual currency, or money service

My information was hacked, someone hacked XXXX $ from my cashapp last XXXX! I tried to call the cashapp support number and another XXXX for XXXX was used. XXXX from cashapp has reached out. I couldnt even pay my rent and I have XXXX kids
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : **Account Name : ** XXXX XXXX **Account Number : ** XXXX
Product: Debt collection

Credit Alert Derogatory Account Reported By Allied Collection Serv Reported On XX/XX/XXXX Account Balance {$1200.00} original phone call XX/XX/XXXX. on the same day went to they office. they have failed to provide communcation statement, my account associate with the debt, an itemization of current amount interest, fees, payments and credits since a particular date. and information ath i can reply to debt collector. i have called 4 more times on the same day since their office has failed to provide above documents. allied collection serv has not mail me updated document as of today XX/XX/XXXX. 
i have my over a dozen phone calls request the same documents during the period. i have been told all different story about the documents, i have been hang up multiple times. they will not be able to explain the debt.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the persistent inaccuracies on my credit report. Despite numerous attempts, I have been unsuccessful in correcting late open accounts and removing a public record, which is affecting my creditworthiness and causing undue stress. 

I have made numerous attempts to correct these inaccuracies by following the proper dispute procedures. However, the corrections have not been implemented, and these inaccuracies continue to adversely impact my credit profile. 

I understand the importance of an accurate credit report and the impact it has on my financial well-being. I am requesting an urgent and thorough investigation into these matters, with the following expectations : I have attached supporting documentation, including Driver 's License and Proof of Blilling. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies in a timely manner. 

I request that you conduct an expedited investigation into these matters and provide a written response, outlining the results of your investigation and the actions taken to correct the inaccuracies. I am asking for your assistance to correct these late open account and remove the public record in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance Owed : {$950.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

Chapter XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated a dispute with Equifax in an attempt to get erroneous information removed from my credit report. I sent the dispute, along with supporting documents ... .. which included the cover page from the credit file. I sent the dispute certified and got the the signed receipt. Yet, I got correspondence from Equifax stating that my credit report could not be found. How can my credit report not be found when I sent them the file number and the cover page? I feel like this is a stall tactic and all of these accounts should be removed from my credit report.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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, credit repair services, or other personal consumer reports

Lending Pt. Sent account to XXXX prime to collect they found out account was related to fraud and was not mine and dismissed it and I have been trying to get it removed for two years and have sent in all the proper documentation and XXXX and experian still will not remove the account when they actually creditor doesnt even have a file for me and Im demanding its removed immediately
Product: Credit reporting

I disputed information that was on my Equifax credit report by XXXX and it was deleted by Equifax. But it was inserted back on my credit report on XX/XX/2017. I have requested documents from XXXX and Equifax to show proof of this alleged account. Neither can provide proof. I sent a validation letter to the company and I have sent 2 letters to Equifax for proof. I have just sent a 3rd letter to Equifax on XX/XX/2017. I have an extended fraud alert on my account. I never received any information from Equifax before this item was placed back on my account either. Unverified accounts should not be allowed on my credit report as this is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. Additionally, I submitted a complaint that they exceeded their 30 day response period on XX/XX/2018 and still no responses. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA The item is as follows : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was a victim of identity theft contacted merchant to close card but they wouldnt due to I had non of the account information
Product: Credit card or prepaid card

I have contacted Synchrony bank/Amazon on several different occasions. 
I closed the original account after the balance was paid. Amazon charged a membership fee and a new card was opened with the membership fee - I asked for all the statements.after reviewing all the statements, I found the membership that i did not authorize. 


I paid the membership fee and was advised all the fees and interested would be credited. 
I received a statement for the month of XXXX with new interest fees and late fees. I contacted the company once again requesting this again. After researching I found this is a common practice. I have never received the cards nor have I made any purchases after my initial charge. 

how is this possible legal?? and this is reporting a negative on the my credit report. lowering my credit score.