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

18 months ago I leased a vehicle in New York with US Bank as the lease holder. 

Recently US Bank sent me a letter informing me I owed them nearly {$600.00} more in sales tax because I moved to Nevada? and that the Nevada Sales Tax Department had sent them ( US Bank ) a letter attesting to this. I contacted the taxation department in Nevada and they confirmed not only did I not owe them any tax of any kind but they had not sent US Bank any letter stating that I did. 

The Nevada State Taxation Department subsequently Faxed a letter to US Bank informing them of this, that I in did not owe any Nevada tax on this leased vehicle ( I have a copy of their letter and attached it to my complaint ). 

US Bank subsequently debited money from my bank account without my authorization to pay for this bogus 'sales tax ' after I told them to stop auto debiting. They then promised me to mail the money back to but they have not done so and continue to send me letters insisting I owe the state of Nevada {$600.00} in sales tax. 

I have called US Bank Leasing department several times about this matter but the people in the department frankly have no clue about leases or sale tax and are of no help. 

I believe US Bank is attempting to defraud me. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have persistently been in disputes with XXXX, TransUnion, and XXXX along with XXXX XXXX XXXX in regards to reporting an invalidated account.Every month since initial contact in XX/XX/XXXX all three credit bureaus states that " they '' have verified the debt. This is impossible! Reason being is that I have sent certified letters to XXXX to fully comply with a validation of debt in the amount of {$1400.00} and also just because this account is damaging my credit file, I have requested twice by letter for a settlement. Till this day, XXXX has ignored all my letters and only respond by telling me that they purchase this account following by billing statements dated from XX/XX/XXXX with balance of {$3300.00} to XX/XX/XXXX with a balance of {$4200.00}. This week I have sent all three credit bureaus an online dispute for immediate removal due to the fact that XXXX is in violation of the Fair Debt Collection Practices and that they have FAILED to submit specific supporting documents as requested by consumer such as ; signed contract, payment history, proof of purchase from original creditor, etc. Secondly, it is absolutely unfair for XXXX and the credit bureaus to continue to report this collection after numerous attempts to settle have been made and the request for validation has not been validated! Either agree to settle Or STOP REPORTING!! It is so obvious that XXXX will not and can not validate this debt lawfully so the credit bureaus must delete immediately! Additionally, if the last billing statement balance is {$4000.00}, then how and why are you reporting {$1400.00}? Where 's the payment history? Where did this amount come from? Again, how did the credit bureaus validate this amount? Answer is, the credit bureaus did NOT investigate properly and reporting illegally. Enclose I am attaching all letters sent to XXXX and the letter and billing statements they sent me. Please accept this as burden of proof that I have done all that I know to do in efforts to resolve this matter as it has crucially affected my ability to show creditworthiness to other potential creditors and has exhausted me physically and mentally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 112 page report from Lexis Nexis after investigation from a Bank Lender in which I was turned down. Upon inquiry and review of the report. It reflects Various different names including various Social Security numbers. Multi State addresses of various origins [ with various names, social security and addresses of multiple persons ]. Accounts that are in excess of 7 years or no relative nor belonging to myself. Not gender specific and includes multiple levels of false and fraudulent materials. The company claims to have retrieved their information from public sources or the major Credit Bureaus. I know that from working with the credit bureaus that 95 % or better is not even listed on my accounts. This is the Second attempt to challenge their information and would like the CFPB to assist with enforcing the accuracy and correctness of what this agency is reflecting. It has caused me to be denied credit multiple times and It was not until I called them directly to dispute an item that I learned of the " 112 '' page errors and inaccuracy. I have been denied employment as a result of this as well.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint pursuant to FCRA 605B. I was a victim of identity theft and noticed some fraudulent account open in my name. These fraudulent account consist of XXXX XXXX XXXX mortgage loan, unsecured loan from XXXX XXXX XXXX XXXX, a collections account from XXXX XXXX and 4 hard inquires. Please see attatched FTC Identity theft report for more details. Please remove these fraudulent accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra not mine remove it XXXX This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 

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

The above is not really what I 'm reaching out to file a complaint. What happened was that I was sent to a debt collector by my wireless carrier ( XXXX XXXX XXXX ) by the name of Credence Resource Management, LLC. This collector offered me a settlement amount which I paid as of XX/XX/XXXX. I was told my payment settled the account in full and that the creditor ( XXXX XXXX XXXX ) would be notified in a few business days. I verified that and was not done so they sent a receipt to me letting me know they had reached out and notified XXXX XXXX XXXX. 

I received a letter this month from another debt collector by the name of XXXX XXXX saying I owe a remaining balance. So it appears that Credence Resource Management, LLC. did not settle my debt instead only paid a partial amount. I contacted Credence on XXXX XXXX, 2015 to see why they did not follow through on what I was told and had in writing on their receipt and assured in 3 business days it would be taken care of. I gave them 4 business days and they have not come through, yet again.
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. 

Account name : XXXX XXXX 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 an 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

I started disputing inaccuracies on my credit report back in XXXX and informed the credit bureaus that my identity had been stolen. I was told to submit a identity theft report and I did so along with a letter with a list of account that I had no knowledge of and that were unauthorized accounts on my credit report. I noticed that they had several different forms of my across the different bureaus and informed the credit bureaus of my one and only correct name. I notice several location that I have never lived at on my report and I also informed the credit bureaus of the accurate addresses. I have provided proof of identity and informed the bureaus that there are accounts on my credit report that do not belong to me. I was told that some of the account were validated. I sent a request for validation of debt with a request for specific items and all bureaus fail to provide proof that any of the alleged debts belong to me, which they don't. I noticed bankruptcy on my credit report and informed the bureaus that I have never filed bankruptcy and requested that they remove from report. From my understanding the bureaus are violating 15 usc 1681 ( a ) ( 2 ) that states I have to give then written permission to furnish anything on my credit report. 15 usc 1681 ( b ) ( a ) ( 2 ) permissible purpose. My credit report are all over the places. Nothing matches. Account number are not the same, date accounts were opened are not the same. I don't know who did this but it needs to be fixed. According to consumer law the credit reports should have the same accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and NATIONAL RECOVERY AGENCY And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to get my information to a third-party Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me And I have PDF files showing the in accuracy and top of them breaking the law
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have never applied for credit with this company for anything, they some how got a hold of my information, took information from my credit personal credit file, and lied to get this information, i have no idea who they are. They keep harassing me by phone, i want them locked out of my personal information. They are fraudlant and crooks. I never even heard of this company, i am very angry about this company, what gives them the right to authorize a person personal file, and place it on a credit report, like they were a creditor, they are ditry, and i want them locked out of this file. 

thereis another company XXXX XXXX same situtation with them, I've never applied for credit or heard of them either.
Product: Credit reporting or other personal consumer reports

Response to complaint XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/year> They never provided the method of verification used 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).

Experian needs to provide all of the documentation Experian had been provided to their investigation to verify all this information to be accurate.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). ( B ) Extension of period to reinvestigate ( A ) may be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. Provide the documentation of verified accuracy within XXXX  days or please delete
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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

XX/XX/year> my Cashapp account was cleared out and. Closed without my consent. I had just received my XXXX  ground Deposit of {$150.00} And a few family members sent me about {$390.00} in total. 
And I never was able to retrieve my money. I tried to contact support to appeal and investigate the situation and was directed to a XXXX. 
I made contact 2 twice a week for 2 years about this situation and I have pics and screenshots as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX of Transunion says he can not give me my credit score due to says it is a security reasons. Even though I provided all the information they need to identify myself. 
How is this a security hazard? Transunion says i have to pay {$9.00} for my credit score and to have mailed to me. Which I am not comfortable with because i was a victim of fraud in 2014. And i have XXXX XXXX XXXX which mail gets mixed up all of the time and not comfortable with having my credit report mailed to me. In addition, our mailboxes have been broken into and myself broken into twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC theft report because I found fraudulant account on my report and nobody will help me get them removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and other relevant laws, I am entitled to accurate and verifiable information on my credit report. 

Details of the Dispute : Account Details : XXXX XXXX XXXX XXXX Account ) Inaccurate Reporting : Late payments, including 120 days past due, have been inaccurately reported across multiple months, despite discrepancies in timing and reporting across credit bureaus ( Equifax and XXXX ) XXXX 
Legal Concerns Raised : Permissible Purpose ( FCRA Section 604 ) : You are required to ensure that any information shared with credit reporting agencies is accurate and only for permissible purposes. The reporting of inaccurate delinquency status violates this obligation and infringes upon my rights under the FCRA. 

Privacy Act of 1974 : I have not provided consent to share or report incorrect and unverifiable information. Reporting incorrect details not only violates the FCRA but could also constitute a breach of my privacy rights under the Privacy Act of 1974. 

Timing of Payments ( FCRA Section 623 ( a ) ( 5 ) ) : Under the FCRA, furnishers of credit information must ensure the accurate timing of delinquencies and ensure consistency across all bureaus. The reported 120 days past due status lacks proper timing verification, as evident from the discrepancies in the reporting date.
Product: Debt collection

me to my attention that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against your company for failing to properly investigate consumer disputes. The CFPB alleges that XXXX has not taken adequate steps to intake, process, and investigate disputes, nor has it sufficiently notified consumers about dispute outcomes. This alleged failure has led to the inclusion of inaccurate information on credit reports, which can jeopardize consumers access to credit, employment, and housing opportunities. 

Additionally, I am aware of claims that XXXX has informed consumers it will not reinvestigate accounts previously reviewed, despite the lack of a thorough investigation. I am requesting that your company reinvestigate the disputed items listed above and promptly correct any inaccuracies by removing incorrect information from my credit file. 

Please consider this letter a formal demand for action. I look forward to receiving confirmation that the investigation has been completed and that my credit report has been updated to reflect accurate information.
Product: Checking or savings account

My bank received a XXXX to freeze my Bank Account -Capital One by a fraudster claiming to be an attorney by the name of XXXX XXXX XXXX. I was never notified nor do the answer the phone. Capital One Bank refuses to give me a copy of the Document they Received that gave the authority to freeze my account as requested after speaking to 5 representatives, 3 Fraud Dept Representative, and 2 Fraud Supervisors. 

After stating I would sue the Bank, the last Supervisor stated he would send me the Document. On XX/XX/XXXX I received " only '' a generic letter with the same information I was given by making several phone calls into a bank I thought was " mine ''. After this is cleared, believe me I will get an Attorney to file suit, especially for all the mental and emotional stress I have had to endure. 

After receiving the letter my bank gave me information stating a levy of {$24000.00} on XX/XX/XXXX was received by XXXX XXXX -never heard of this person in my life, I will be going to the XXXX County Courthouse in XXXX XXXX Tx to show this as well, as I was never even notified of this person and fraudulent activity. 

My Bank is ignorant to the fraudulent levy, and refuses to work with me. I now have to hire an attorney in which I already have a hardship due to Covid -19 I have never heard of this person, she is stating the document is related to XXXX XXXX XXXX XXXX. They filed bankruptcy in XXXX. I did a background check on XXXX XXXX to find out she worked for a Bankruptcy Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX I believe XXXX XXXX stole my identity information if Atty XXXX XXXX represented XXXX XXXX XXXX XXXX. His assistant stated they had issues with XXXX XXXX who left the company in XXXX and her character was exactly as I suspected where she was not creditworthy and the assistant stated she was not surprise to hear XXXX XXXX portraying fraudulent legal documents. 

This is unbelievable that this could even occur to me on be half of my Bank Capital One, who would not even assist. My only way of proving my innocents is obtaining an Attorney and I'm at XXXX income. My Pandemic Unemployment ended, I am XXXX yrs old and will be XXXX in XXXX. I had {$77.00} dollars to my name that my daughter deposited so I could buy food. And suddenly was shocked to find this XXXX attempt from a fraudster. 

I finally spoke to someone answered they said " Hello '', I asked who is this? The young girl stated " who did you want '' I said " XXXX XXXX '', she said oh. I asked " who is this and who gave you the right to freeze my Bank Account, is this a real company? 

The young girl said " I'm an Officer of the Court ''. I said excuse me? What Court?, she stated " WHAT COUNTY DID YOU LIVE IN LAST YEAR? '' I said " what, are you kidding me? I lived in California XXXX XX/XX/XXXX. She stated " well you know what you did ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information for account XXXX XXXX XXXX. I do not think an investigation was done because the creditor informed me that Equifax has not reached out for any information. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA- all data furnished should be accurate. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 16811 e b maximum possible accuracy if this account is not removed from my credit report immediately.
Product: Credit card

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, Discover Bank, XX/XX/XXXX for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX XXXX XXXX XXXX account - XXXX XX/XX/XXXX for the amount of {$520.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2022 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Product: Mortgage

My name and the name of my deceased spouse initially appeared on our mortgage and when he died he did not leave a will and I discovered shortly after his death that my name was not stated on the mortgage with OCWEN. They refuse to give me any information connected to the mortgage and they keep sending me statements stating that I am in arrears of my mortgage and they have stated in writing that my monthly payments are no longer being applied to the mortgage, they are " putting them aside ''. I AM XXXX YEARS OF AGE AND XXXX BEYOND BELIEF!
Product: Checking or savings account

Husband passed away XX/XX/XXXX. Received social security check for XXXX in XXXX. Bank placed hold on check. Was informed by social security that this check would not have to be returned as it was for XXXX. Bank would not release hold. On XX/XX/XXXX they informed me they were going to return the check because it was payment for XXXX. I asked them to verify their information and call me back. They did not. Today XX/XX/XXXX, they returned the check to social security. This is a hardship as it will take me at least XXXX  months to reclaim this check. They also sent through XXXX transactions instead of XXXX to return this check leaving me overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 bureaus several times in reference to a child support case on my file and they are still reporting it. It's not mine it's my sons
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/year> I submitted a request to experian to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.