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

I sent a check to pay off my auto loan in full, which US Bank cashed on XX/XX/20. After over 4 months had passed and I never received my title, or even any communication or acknowledgement from US Bank I reached out to them to see what was going on. 

I called them on XX/XX/20. I spoke with someone ( XXXX ) who told me that they would electronically release my title with XXXX. She told me that I may need a " Release Letter '' to take to XXXX to get my title and that she would have this sent in the mail to me. I never received anything in the mail or heard anything further from US Bank. 

I called again on XX/XX/20 and spoke with XXXX. She told me that the bank had never received my title, and that maybe the dealership didn't provide it to them, so she said that maybe US Bank never had a lien on my car and recommended I contact XXXX to confirm. I emailed XXXX, and they confirmed that US Bank is the official leinholder on my title, and that US Bank needed to file the electronic title release. 

I called US Bank again on XX/XX/20 and spoke with XXXX. I told him that XXXX said US Bank needed to release my title. He told me that he would " escalate '' my situation to management, and that someone would reach out to me in 24-48 hours and that a letter would be sent to me by mail. I never heard anything further and nothing ever arrived in the mail. 

I called US Bank again on XX/XX/20 and spoke with XXXX. She told me the same thing that XXXX had told me back on XX/XX/20 - that the dealership may never have given them the title. I hold her that this is not what XXXX is saying and that I wanted to speak with a Supervisor. She told me that her Manager ( XXXX XXXX ) would call me back shortly to discuss. I made very clear that no one at US Bank has followed through on anything over the last 3 months, and she assured me that XXXX XXXX is very good and would absolutely call me back. I have not heard anything. 

At this point, US Bank has essentially stolen my vehicle. I paid my loan in full over 6 months ago, and they will not provide me with my title. After calling on 4 separate occasions and getting nowhere, I don't know where else to turn? They should be held accountable for this atrocious behavior.
Product: Credit reporting or other personal consumer reports

Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account # : XXXX Account Name/ Creditor : XXXX XXXX XXXX of 15 U.S. Code 1681s2 states : ( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX disease XXXX ( XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX disease ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect.

A late payment on my self Lender Account was reported on my credit report from XXXX, as stated above any late payment occurring as a result of hardship derived from the XXXX pandemic shall be deferred. this error has caused my credit score to drastically decrease and my attempts to resolve this issue with creditor have gone un-answered. furthermore, it has come to my knowledge that XXXX is incorrectly reporting my account opening date be XXXX, XXXX but are reporting these late payments occurring in XXXX which is inaccurate. i request these late payments and inaccurate information be removed from my XXXX, XXXX, & TRANSUNION credit reports. I have supplied documentation of inaccuracies below.
Product: Vehicle loan or lease

Greetings, I turned the vehicle in, in great condition and lower mileage than allotted. I was informed by the dealer that they would buyout the vehicles residual amount and perhaps resale on their own terms. I requested documents from the dealer of the buyout and they did not provide them, nor did they confirm or deny they had them. I asked the dealer to provide a copy of a good condition report that I signed when I turned the vehicle in and they did not provide it. 

A statement from VW Credit dated XXXX the balance due was XXXX dollars. The payment history provided shows that I paid XXXX of that balance. The difference is about XXXX dollars. When I called in to make a final payment around XX/XX/year> they told me I had a balance due of over XXXX dollars. I began to question the discrepancy and requested accounting history so that I could compare them to my records. What I found was several of my payments had been applied to an end of lease fee that should have not been charged if the lease was bought out. 

After turning in the vehicle, I was aware that I had a balance for payments that had been pushed to the end of the loan in agreement. I continued to make payment toward the loan every month for usually XXXX for a whole year until XX/XX/year> when I found the discrepancy when attempting to make my final payment. I asked the lender to provide information on how the vehicle was settled and they would not provide that information either. I was told it was a lease buyout, and if so the residual amount was paid and I am not required to release at that point, the vehicle has been purchased. 

The item showed up on my credit report as a charge-off around XX/XX/year>. I have since paid the balance in an effort to remove the negative remark from my credit report but now it just reads paid charge off which is still derogatory. I also did not receive a 1099 c from the company for the alleged charge off. The payment history on my credit report for this item reported as paid for months after turn in, up until XX/XX/year>. Those payments are now not present on my credit report, it reads N/A after the most recent update to my credit report. 

This remark has severely impacted my credit report and is the only charge off ever listed on my credit report. I want proof of how the lease was settled. The creditor nor the dealer will provide it. My next steps will be to take legal action.
Product: Credit reporting or other personal consumer reports

Okay XX/XX/year> Equifax Credit bureau remove all my account that was accurate mines from my credit report and my credit score Drop down Tremendously. I have Screen shots of all the accounts that was accurate being my accounts I feel like that a lawsuit am I will be getting me a lawyer if they dont fix this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern and frustration regarding Experian 's continued failure to investigate and resolve the disputes I have submitted. I am compelled to bring this matter to your attention as it is causing significant distress and financial hardships due to the inaccurate information that remains on my credit report. 

Here is a summary of the events and correspondence related to my disputes : XXXX XX/XX/2023, I submitted a dispute letter to Experian via certified mail, tracking number XXXX. The letter was delivered to Experian on XX/XX/2023, providing ample time for investigation and response within the XXXX requirement as mandated by the Fair Credit Reporting Act ( FCRA ). 

XXXX received a response from Experian dated XX/XX/2023, which falsely claimed that my dispute did not appear to come from me or an authorized third party. I assure you that the dispute was indeed initiated by me. 

XXXX XX/XX/2023, I sent a follow-up letter by mail to Experian, reiterating my request for investigation. However, to my astonishment, I received an identical response dated XX/XX/2023, accusing me once again of unauthorized third-party involvement. 

-In an effort to address the accuracy of the information on my credit report, I proceeded to send direct disputes to both XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2023. Unfortunately, I received no response from XXXX XXXX XXXX, which raises concerns about their compliance with consumer protection laws. I also sent a dispute letter to XXXX XXXX on XX/XX/2023, but the letter was returned to me as undeliverable. This highlights the inaccurate information being provided by XXXX XXXX to credit reporting agencies. 

XXXX XX/XX/2023, I submitted yet another dispute to Experian XXXX seeking resolution and requesting accurate investigation results. Unfortunately, no response was received from Experian. 

-Recognizing the urgency of resolving this matter, I submitted a dispute to Experian on XX/XX/2023, attaching copies of the returned mail from XXXX XXXX as evidence of the ongoing dispute. Regrettably, I did not receive any response from Experian regarding this dispute submission either. 

XXXX XX/XX/2023, I sent yet another letter to Experian, once again expressing my concerns and requesting prompt resolution. Despite my efforts, I have yet to receive any response from Experian regarding this dispute.
Product: Student loan

EdFinancial Services will not resolve issue of account showing a negative balance ( overpayment ) which should be applied to a second loan amount. XXXX customer services continues to log this issue, but won't provide any timeline for resolution. 

While the call center personnel are polite, all they seem to be able to do is update a case. 

The overall concern is that EdFinancial continues to charge interest on money we do not owe since they will not/ have not applied to payment to the outstanding balance. This issue have been ongoing for ~60 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account from XXXX XXXX  was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the accounts reported was fraud. said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX XXXX XXXX XXXX to provide the documentation used to determine accounts was indeed authorized by the consumer, EQUIFAx XXXX XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX XXXX XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX XXXX XXXX XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have file theft report. I was told that information contain in theft report would be blocked per my request. However, I requested to have information blocked and it is still showing on my credit file. I am reaching out to CFPB to assist me in resolving this matter amicably. I did open the accounts listed in this complaint. I have submitted documentation relieving me of this incident. Please assist me in anyway possible..Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 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 15 U.S. Code 1681c2 Subsection 3 : if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Product: Checking or savings account

I am on XXXX, VA and XXXX. My deposits are made into a checking account. I also am enrolled into way to save savings account. Being my only income is XXXX, I would submit that my savings account is tetered to my checking and thus should also be protected from garnishment.. I also have overdraft protection linked to my savings. Thus the savings account is also linked in that aspect. I was garnished I feel unfairly.
Product: Debt collection

XXXX dollars for medical service Arbor Professional Solutions orginally XXXX fire dept ambulance service was discharged bankruptcy XXXX XXXX filed XX/XX/XXXX completed and discharged XXXX XXXX debtor has no legal standing to pursue further demand removal from XXXX credit report as it is false information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never authorized nor gave consent to the companies in collections to have my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

See complaint XXXX for more information. On XXXX XXXX, 2017 there are 2 hard inquiries on my credit report for CREDCO which appears to be through XXXX. XXXX  contacted me via phone because I was looking to refinance my mortgage. I spoke to XXXX XXXX who was very rude and pushy and he completed an application in my name which I did not request and then he did a credit check as well. I contacted him and he said it is there protocol to submit applications when someone is looking for rates but I did not ask for rates. I told him I was not interested and he did it anyway. I also emailed his supervisor and never got a response.
Product: Debt collection

USCB CORPORATION Failed to provide debt validation with in 30 days under the Fair Debt Collection Practices Act ( FDCPA ), 1006.34 Notice for validation of debts. They are in violation of the act. Will report to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXXXXXX XXXX XXXX acct # XXXX ( XXXX  XXXX XXXX XXXX # XXXX ). XXXX  XXXX acct # XXXX. XXXXXXXX XXXX acct XXXX XXXXXXXX XXXX XXXX acct # ... XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX. acct # XXXX has violated my rights.

15 U.S.C 1681 section 602A states, I have the rights to privacy.

15 U.S.C 1681 section 604a also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I disputed the presence of a fraudulent account on my Equifax credit report, which is being reported by XXXX XXXX. Despite my repeated attempts to rectify this matter with XXXX XXXX directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my Equifax report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness. 
As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for XXXX XXXX to selectively remove negative information from certain credit bureaus while neglecting to do so from others. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that XXXX XXXX complies with its obligations under the FCRA by promptly removing the fraudulent account from my Equifax credit report.
Product: Student loan

I have loans that have been consolidated with Mohela that are 20 to 25 years old. that I took out in XXXX  and I was supposed to be a part of the program that forgives loans 20 to 25 years. I have colleagues who have all been forgiven who started with me and when I called they do not have me slated for forgiveness. How can this be addressed?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on this account that in fact was paid on time, as agreed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached XXXX screenshots on the following dates ( XX/XX/year> & XX/XX/year> ) of my report to this complaint for documentation. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to " Paid on Time '' immediately. Thank you for your cooperation and understanding of this matter.
Product: Credit reporting or other personal consumer reports

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with CITICARDS CBNA. Upon reviewing my credit report dated XX/XX/year>, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. 
Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name XXXX XXXX  XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made the payment on time, but it was incorrectly reported as late due to a processing delay by the credit union. I have attached my bank statement showing the transaction date, which clearly indicates the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit card

I was not given the proper 45 day notice for hiking my credit card interest rate on existing balances on my credit card. I received the notice in the mail on XXXX XXXX for a rate hike on XXXX XXXX. I also received no notice in writing for a prior late payment hike. I have never been over 60 days late. Unfortunately, I was two days late on two payments in the past three months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Dispute of Inaccurate Address Under FCRA Section 605 ( b ) Dear Experian Dispute Team, I am writing to formally dispute inaccurate information on my credit report, specifically the incorrect address listed under ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX. The address in question is incorrect and is the result of payroll identity theft. Please also remove all AKAs under names this is identity theft the only name reported on my credit report is XXXX XXXX XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ), you are required to remove any information that is deemed inaccurate, incomplete, or unverifiable. This address does not belong to me, and its inclusion on my credit report is causing confusion and potential harm to my credit profile. 
I have attached the following documents to support my dispute : FTC Report # XXXX I request that you : 1. Remove the inaccurate address from my credit report immediately.

2. Provide me with written confirmation of the changes made.

3. Refrain from re-adding the address unless verified per FCRA standards.

Please note that I am exercising my rights under the FCRA to ensure that my credit report is accurate and free of errors. I trust you will resolve this matter promptly and notify me of the results of your investigation within the legally required time frame. 
Thank you for your attention to this matter. Please feel free to contact me at XXXX or email XXXX if additional information is needed. 
Sincerely, XXXX XXXX XXXX XXXX