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

It has been nearly 3 months I have been trying to resolve an alleged disputed debt lease return issue with Infiniti Financial Services ( IFS ). I received my end of lease liability statement dated XX/XX/2020. Since then I contacted IFS many times, trying to reason with them, but they would not listen or even try to understand where I am coming from. Prior to my vehicle lease return, to have peace of mind that I would not be charged for any excessive wear and tear or any other damages unbeknownst to me, I took my vehicle to XXXX XXXX for visual inspection. The advisor assured me that everything was ok with my vehicle, and there would be no additional charges for excessive wear and tear. I asked him if he could give me something in writing, he said, they don't do it in writing, but I could take my car back any time and there would be no charges. With that in mind, I returned my vehicle. Shortly after, I received the lease end statement charging me for excess wear and use. This was such a shock that I called XXXX several times, explaining them that I DID take my vehicle for visual inspection to XXXX XXXX dealership, and they DID assure me that my vehicle was in good shape and no excess wear and tear was reported. IFS representatives were extremely rude to me on the phone. When I asked to talk to a supervisor, two of them simply hung up on me after a long hold time. The third one told me the supervisor was gone for the day. And I tried different days, at different times, with different representatives. And, like a rule, they all were rude to me, very unprofessional, very condescending and they talked to me like I was some crazy person, impatiently waiting to hang up rather than assist and understand where my frustration was coming from. I told them that I disputed the charges for excessive wear and tear. I told them I did my due diligence and received verbal ok by an advisor at the dealership prior to proceeding with my lease return. Wouldn't I rather fix any issues before returning my vehicle had I known in advance that I would be charged such excessive amount? What person in the right state of mind, especially during COVID, when I lost my job and I am struggling financially, trying to keep my family fed, would intentionally subject themselves to excessive wear and tear charges by ruthless corporations like IFS? 

I am broke, I can barely put bread on my table today, and XXXX is simply unlawfully trying to squeeze lease end bogus charges for alleged excessive wear and tear. Moreover, they are not cooperating, they are being rude and insulting on the phone, and they don't want to help resolve the issue of this alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several items on my credit report that I believe to be inaccurate and unverifiable. Despite multiple attempts to resolve this matter through traditional mail and via the Consumer Financial Protection Bureau ( CFPB ), I have yet to receive satisfactory responses or evidence of any investigation conducted by your bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 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

According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they have posted on my credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the inaccurate accounts. Plan on seeking legal counsel for your actions against me. 

Your failure to positively verify these accounts has hurt my ability to obtain credit, defamed my character, and caused damages. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. According to the Fair Credit Reporting Act, 611 ( b ) [ USC 15 1681i ( b ) ], I am entitled to enter a consumer statement in my credit report so that the information is complete and the credit reporting process is fair and equitable to me. I would like the following statement to be made a part of my permanent record so that potential future creditors will be aware of certain circumstances that caused negative credit information.

Litigation is quite expensive and should be avoided at all costs. Should it be necessary, I would appear in propria persona [ pro per ] and file a court case in forma pauperis for free with the guidance from outside legal counsel on retainer ; however, my belief is you and your organization do not intend to pursue this matter as you have no valid legal claim or merits. The cost-to-benefit ratio is relatively low when suing indigents ; therefore, this is a good-faith attempt to resolve this matter before litigation is necessary. I am willing to resolve this matter privately and civilly. Thank you for your time and attention to this matter. 
This is my third attempt to resolve this issue.
Product: Credit card

On XX/XX/2024, I made a purchase at XXXX an Amazon company in the amount of {$1500.00} and did an equal pay promo over 12 months with 0 % interest ( order number XXXX ). The first statement from XX/XX/2024 showed correctly. On XX/XX/2024, I cancelled a different Amazon order before delivery that was charged to me and then refunded the same day in the amount of {$1100.00} ( order XXXX ). The refunded amount was then applied to the equal pay promo from the XX/XX/2024 XXXX order even though this refund was not associated with the order from XXXX. I contacted Chase initially and they said it was Amazon 's issue. I then contacted Amazon through chat and they said it was Chase. I then contacted Chase and Amazon again via XXXX  and phone and tried to get both on the phone to resolve the issue, but Amazon refused to have a three-way call with chase. Amazon said they issued a refund and Chase determines how to apply it. I attached the two credit card statements at issue showing the equal pay promo plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}
Product: Debt collection

Debts stated dates I didn't attempt to open accounts. I didn't apply for accounts on specific date 's with companies.
Product: Mortgage

My mortgage company is NEWREZ, I purchased new homeowner insurance because the company I was using increased my rate exorbitantly which caused my escrow to be in the negative and was going to increase my payment. The mortgage company is not showing receiving the insurance my insurance agent sent to them on XXXX and I faxed to them. I received a letter on XXXX dated XX/XX/XXXX stating because I did not have insurance, the mortgage company was going to " BUY insurance for my property '', in the letter was a number to call. I have called the number multiple times and I attempted to do XXXX chats online, but the chat bot was no help and I could not reach a real person, even though their phone options give an option to speak to a person, it continuously loops back to the main message of self servicing the loan. Their phone options also have an option to leave a message for a call back, as well as a number for a call back, I have done this many times and no one calls me. I do have insurance, and my load should not only reflect that I do, but also my escrow that is showing the negative needs to be changed to a positive. This company will not answer the phone to discuss anything, I need help in getting them to do their job.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to Transunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 

To soport this claim, I have enclosed the following documents : 1 : copies of previous credit report showing Discrepancies inacury information 2 : Dispute letter sent to Transunion Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

My son attended XXXX in XXXX, Utah. When he and I first talked with them about financing his education, we were informed that the total program would cost {$40000.00}, but he was given a scholarship from XXXX in the amount of {$20000.00}, which would leave a total of {$20000.00} that we needed to finance. 

I was given ParentPLUS loans, which we began paying before they entered repayment status. These loans have exceeded {$30000.00}. We just learned that my son also has Stafford loans that are approximately {$14000.00}, which he needs to begin repaying in XX/XX/2017. How can this be? That totals more than the initial cost of the program itself! 

XXXX is now closed for unsavory financial business practices. I believe my son and I are victims of these practices. What do I need to do to see about loan forgiveness in these circumstances? 

Any help you can give is GREATLY appreciated.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Corelogic, XXXX XXXX  XXXX XXXX XXXX, is a Third-Party Collection Corporation . It is in violation of 18 USC 894Conspiracy. The law clearly states that this is a violation against this corporation. XXXX Credit Agency has no right to my private and personal information. 15 USC 1681No permissible purpose. 18 USC 894- States whoever knowingly participates in any way or conspires to do so in the use of any extortion means to collect any extension of credit or to punish any person for the nonpayment. Therefore shall be fine under the title or in prison not more than 20 years. Conspires means_ someone who commits a crime. XXXX Conspired with credit furnishers such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by providing these corporations my private information without my knowledge or consent. These are strangers and I do not know or have a binding contract with XXXX and or any of the corporations who was given my information without consent. This is also aggravated identity theft on XXXX 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had notified me on XX/XX/22 that I had a hard inquiry ( for a new card apparently ) from Synchrony Bank out of XXXX, Florida that I did not make of never even heard of prior to this incident. I contacted the company during my lunch break the following day on XX/XX/22 & I spoke to two representatives & they said they can only access that account with either my account number ( which I dont have with them ) or the last 4 digits of my social security number, which I refuse to give them since I dont trust them with that info.
Product: Debt collection

NCB Management Services calls my home phone number EVERY SINGLE DAY for SEVERAL MONTHS! They never leave a message. The one time I was home and they called, I answered the phone and asked what they wanted. They were looking for someone named XXXX. I do not know anyone with this name. I asked them to PLEASE STOP CALLING ME! They continue to call my home phone number EVERY DAY! THIS NEEDS TO STOP!
Product: Checking or savings account

I opened my account on XX/XX/year> I deposited a check from the government for XXXX cause XXXX tried to make deposit in my wife 's name they closed my account and will not release my funds the day for two weeks. In the meantime we will be XXXX  and car repossessed cause they won't mail our funds for two weeks and even then they say it will be a certified check mailed to us and without warning after we deposited money the close account and freeze all our money. Went to branch manger at Wells Fargo in XXXX Texas they said nothing they can do will have to wait for check for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

see ftc to proof most of my case with the prior cfpb see FCRA laws for all the major violations
Product: Credit reporting or other personal consumer reports

I would like this account to be remove so my credit report can report accurately ACCOUNTS BANK XXXX XXXX XXXX reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that I need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that I did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. I reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.
Product: Prepaid card

I had a link all access card from netspend linked to my business account which is XXXX XXXX XXXX XXXX XXXX they refuse to verify it as an business account but then it asks me if I wanted changed back to a personal account. On XX/XX/year> supposedly it was a standard transfer from the link card to my cash app account which does not reflect my online statement I then sent over to XXXX XXXX of the Violating my rights Cash app then sent over the message to netspend during conversing on its website about the issue that either could either explain why do I have a negative balance with them that doesn't reflect as a balance with the net spend card or digital account I have also received an coded letter from net spend about some personal legal issues I were having with a law firm that they are able to receive my funds in some sort
Product: Debt collection

I ordered an item from the XXXX XXXX XXXX work.After I received the item I get a card from a credit card company.So I call XXXX and ask why the card .They say I signed up for it on the order.I say no I didn't.Dobthe tell me to call the company and cut up the card since I hadn't used it.Thats what I did .The company said the order was part of the deal.The amount grew from what was originally stated. thanks
Product: Credit reporting or other personal consumer reports

I am still having trouble with removing the fraud from my report my whole complete identity was changed address name spelling telephone numbers and accounts where added from my caregiver stealing from me while sick and insurance fraud from the rental company XXXX XXXX XXXX, I have video proof that the apartment was cleaned I paid a service to clean i have video proof that the apartment was in good condition and a letter in the form of affidavit that the carpet was 5 years old when i moved in because the original apartment was infested with roaches in the back. and I have recourse for all the information I have listed. 
XXXX XXXX XXXX  has two fraud accounts and they won't remove them I have provided them and XXXX with police report number about my case and proof of affidavits which I have copies of no response or reply. I talked to LVNV funding to they disregarded my information due to frivolous reasons that I filed out the form incorrectly I will list the police report and the affidavit I sent them below. that they couldn't find the account when I put the account numbers that were sent and told to me by their agent. However they want me to resubmit the documents and they had to update the information only by mail I need these issues resolved because I didn't destroy the unit at XXXX XXXX i have video evidence and they have also filled mutilple account charges from their company and another company XXXX XXXX XXXX for XXXX on a bond that i never hade knowledge of they take your signature and sign it manually in the back office not aware of any contract with the original creditor I reported to the XXXX XXXX fraud agency that they have made fraud reports on insurance claims because i have evidence no repsonse from XXXX XXXX management nor its affiliates they are operating in shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  account number xxx ***, 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 instruction
Product: Checking or savings account

Tried to access my account online, and tried to login with no luck, same as to reset password. 

Chime Customer Service are very rude and unprofessional, kept giving me the run around. 

Sorry, you can't reset your password because your account is currently closed or suspended.
Product: Student loan

Around the beginning of XXXX, I believe it was XX/XX/XXXX, I had used the XXXX XXXX app to check my credit score. Upon opening the app, I discovered that my credit score had dropped 153 points thus bringing me down to XXXX points as my new score. I researched the app to find out how this had happened ; I pay my credit card bills every Friday, so it was not that, and I was still in grace period after graduating from school on XX/XX/2018. I found out, from XXXX XXXX, that Navient ( my loan servicer ) had reported a late payment on a federal unsubsidized and a subsidized loan. One, Navient had never informed about a payment due for my federal loans. I called Navient around XX/XX/XXXX to clarify if I had any payments due and the phone operator said " no. '' Two, I logged in to my Navient account and also found that there were no payments due, and all my loans were deferred or still in grace period. I even checked my Navient inbox to ensure that I had no payments due yet. Thinking that this was all a mistake, I opted to try XXXX XXXX 's free credit score reporting system, which also said my credit score was XXXX points. To go even further, I chose to receive my free credit report from XXXX and it also stated that Navient had reported that I was 90+ days late in repaying my federal loans. In conclusion, Navient failed to inform me about ( 1 ) loans/balance from the loans that were allegedly supposed to be paid, ( 2 ) loans that were not actually supposed to be paid off until my grace period ended ( XX/XX/2018 ), ( 3 ) misinformed me about what loans were due when, ( 4 ) failed to track my loans correctly and inform me in a timely manner, ( 5 ) incorrectly reported my loans to the credit bureau, and ( 6 ) had their dispute section of their website unable to function ( probably due to their law suit or overwhelming disputes from consumers ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX, {$500.00} REPORTING LATE IS INCORRECT ANS AGAINST LAW
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called you for my disputed items, again for the XXXX time. I did try to call XXXX XXXX to have a settlement, but they ended up asking for XXXX. from a XXXX loan. 
like expected because why would you offer me lower amount when I'm the one calling? 
yeah Transunion should delete this account because it will be 7 years this XXXX. 


You keep telling me that these accounts are verified but XXXX XXXX couldn't even pull my account because the loan is so old. I have everything recorded on the phone where I called them.