23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus XXXX, TransUnion and XXXX regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these addresses deleted, but Im being ignored. The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.
Product: Vehicle loan or lease

I had started out to finance a new car as I currently had became diagnosed with XXXX XXXX, I had gone to the dealer of Toyota which was XXXX XXXX  in XXXX XXXX Maryland. 
It was a XXXX XXXX XXXX and as I drove it home my wife had driven it as well she had been hospitalized for the seats that caused a severe XXXX injury in default of the seatstgat were a malfunction. I then returned the vehicle back to the XXXX XXXX XXXX in XXXX XXXX Maryland to where they had no problem to return it and the proceed to give me a XXXX XXXX XXXX I had only owned it a few months then the vehicle brake system cause me to jerk as I proceeded to stop every time I drove it. Once again I returned it back to the dealer where the sales representative gave me a XXXX XXXX XXXX XXXX I was not there to pick up and my wife had got it with my consent. 
Bottom line the car was voluntarily surrendered due to me falling out of it. 
The complaint is that they accepted the returns of the vehicles I had without legally giving the negative equity information so it was an injustice consumer manipulation.
Product: Credit card

I am writing to dispute a charges of {$420.00} to my credit card account ending in # XXXX on. The statement is in error According to Federal Law 15 USC 1666d and my account is showing a positive balance not negative.
Product: Credit card or prepaid card

I applied for retail credit with XXXX XXXX out of XXXX, MN on XX/XX/2018. The promotion was no interest if paid within 24 months ( the minimum monthly payments may or may not pay off the promotional purchase before the end of the promotional period ). XXXX, the sales person, stated I qualified for the deferred interest/no interest if paid in full within promotional period. I stated several times I only want financing where I can pay the minimum but not equal monthly payments for the 24 months. My first bill arrives and I was signed up for equal payment for 24 months. Payments are {$600.00} per month. Exactly, what I did not sign up for or wanted. I contacted XXXX XXXX and was told I needed to speak with XXXX. XXXX left me a voice message stating there are only 2 options with Synchrony Financial and so he just signed me up for equal payments. I left a voicemail for XXXX explained that's not what I signed up for and it needed to be corrected as I spoke with XXXX, ext XXXX at Synchrony Financial and it was XXXX XXXX who made the error and they were the only ones who could correct the financing error. It's the end of XXXX and I still have not had any word back from XXXX or anyone at XXXX XXXX on the issues I've had with them. I've filed complaints with the Minnesota Attorney General 's Office, I've disputed it with Synchrony Financial, and with the Minnesota Department of Labor and Industry. This financing was a switch and bait and fraud tactics were used.
Product: Consumer Loan

I have been told by multiple representatives of Drivetime that I would be granted a modification to my account and I had to fax in the receipts and documents of my out of pocket expenses. After I faxed in the documents I still had not received any notification that the documents were received or any updates on my modification request. Through a XXXX complaint a Drivetime representative named XXXX told me that in order for a modification to be granted that XXXX things must be involved a ) There must be an out of pocket expense b ) You must be out of hardship and c ) the account must be sixty days past due. When I spoke to Customer Service I was told an exception could be made for my account and that the account does not have to be 60 days past due. I faxed in the receipts of my out of pocket expenses and proof that I am out of my hardship and they still have not granted the modification but continue to call and contact me only for collection purposes only, and has yet to give me an update on my modification request, even after numerous conversations of how and when this modification will be applied to my account. Drivetime has demonstrated unethical business practices and I do not know why the representatives continue to give me misleading information and information that is not truthful. I have been repeatedly told incorrect information and I would just like to know the information involving my loan and what is going on with my account. I would like someone to encourage the representatives of Drivetime to explain the truth about my account and to please stop telling me that a modification will be granted when Drivetime has absolutely no intention of ever granting me a modification, demonstrated when I called yesterday and I spoke to a manager named XXXX that told me that the faxed documents had not been uploaded to my account an that the receipts of my out of pocket expenses had to be for major repairs like to replace an engine! I have never been told my out of pocket expenses had to be a major repair like replacing an engine because my vehicle is supposed to be covered for major repairs, I was told by a supervisor something completely different, I was told I just had to have out of pocket expenses for repairs that were mechanical in nature, and I have a response directly from Drivetime submitted to the Better Business Bureau that describes exactly that same information. Also, when I called and tried to set up a payment arrangement XX/XX/XXXX, Drivetime would not make an arrangement for payment, but instead Drivetime sent me an acceleration notice in the mail two weeks later stating that the entire amount of my loan was going to be accelerated, although my account was not yet 30 days past due, and Drivetime refused to make a payment arrangement before the payment due date, because I knew before the due date I was going to have to make other arrangements with Drivetime, which Drivetime refused.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries Pursuant to FCRA 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of a data breach and identity theft. I request that all accounts and inquiries associated with the fraud be immediately blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ).

The fraudulent information includes the following : Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX
Product: Debt collection

I disputed the amount of the debt through transunion. I requested an itemization of the debt due. The company responded that the debt was valid but did not provide a breakdown of the charges. 

They have placed a debt amount of {$1500.00} on my credit report. I require an itemization of the amount due. I did not owe this amount when I left the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012 i had full Medicaid due to XXXX. The hospital apparently did not provide their XXXX   dept this information. These bills were sold to XXXX XXXX XXXX. I have disputed with them. Equifax has continued to allow these bills to remain on my report even though i have disputed with Equifax as well as the company. Equifax allows companies to put whatever information they want on credit report but refuses to remove or correct when there is an error.
Product: Money transfer, virtual currency, or money service

I tried to make a Venmo payment to a new person last week, and though there was no fraud involved, Venmo shut down my account. 

Venmo stated at the time that I would have a clear answer why within six days, but 10 days have elapsed and Venmo has not even replied to my several emails. 

I spoke with a Venmo customer service rep in the XXXX and she said she would resend my request marked " urgent. '' I still have had no response from Venmo. 

This low level of customer service violates what Venmo has stated in writing to me and also violates their Terms of Use agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 items of information, other than records of convictions of crimes with antedates the report by more than 7 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 card or prepaid card

I used my Discover credit card to purchase various in game items for an XXXX game. However, the game developer restricted my access to the account I used to play with and is not responding to any communication when trying to resolve the issue. I no longer have access to anything I paid for in the game. I tried to give Discover a call to dispute the transactions but there are so many charges they asked me to fax them a list. I am not sure how to fax so I am hoping I could deliver the list via CFPB and have Discover take care of the dispute.
Product: Student loan

There were 3 private student loans opened during the time of XX/XX/XXXX-XX/XX/XXXX. These Navient account has been delinquent since XX/XX/XXXX. They were originally Sallie Mae, when Navient took over in XX/XX/XXXX/XX/XX/XXXX they stated that i made a year of good payments and then charged them off. I have since disputed the good payments and had then removed however this will still be appearing on my credit bureaus till XX/XX/XXXX. these should have fallen off in XX/XX/XXXX. Per the fair credit reporting act these should have fallen off seven years after the date of first delinquency and not the date of last payment. Navient is trying to re age my accounts in order to keep them on my credit report longer, which is illegal. I fully give the CFPB permission to speak with Navient on my behalf about these student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Prestige Financial back in XXXX. The engine died in XX/XX/XXXX and my warranty was not granted. I continued to make the payments because I didnt want to mess up my credit even more. Financially unable to continue to make payments, I stopped in XX/XX/XXXX. The account got charged off in XX/XX/XXXX. Once charged off it is continuing to report as " CHARGED OFF '' with an updated balance every month. I found a few inaccuracies and disputed this with the bureaus requesting to have the account DELETED due to inaccurate information and the account was not removed but updated. I called Prestige to resolve and was advised the account is CO but still accruing interest and they would not remove. I also received an alert that the account has been re-opened to which I am advised it can not be reopened once charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, as well as the information of millions of others. I am listed as a potential victim according to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM XXXX XXXX. Transunion is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXXXXXX Open options Account XXXX XXXX Inquiries 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 XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( XXXX ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows ALL the SAME disputed information DESPITE the evidence I provided here, also via certified mail, also online uploading directly to Equifax THEY NEVER LOOKED AT ANY DOCUMENTS AND BANK STATEMENTS and they continue taking the sane false information from the sane furnisher again and again. ALL THE FALSE INFORMATION REMAINS ON MY EQUFAX CREDIT REPORT VIOLATING MY FCRA RIGHTS Equifax responded that it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting XXXX  unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.
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 XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX  XXXX Balance : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given
Product: Debt collection

had solar panels installed on my home in XX/XX/XXXX, by XXXX XXXX. In XX/XX/XXXX we found out they had filed for bankruptcy. The finance company is goodleap. We are currently in limbo, along with many others, as we are paying for a service we are not receiving with no communication & no end in sight. We had a panel go bad already, which a replacement was provided by the manufacturer XXXX XXXX, but again, no one to service. We also can not even sell our home due to the contract situation. 
This has been a pattern with goodleap, apparently predatory lending practices with multiple lawsuits in different states.. 
Please feel free to contact me at your earliest convenance. 
XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

In XX/XX/2020 I took out a loan for a XXXX XXXX XXXX XXXX XXXX in the amount of {$21000.00}. Between XXXX and XXXX, the installation was not " online '' due to installation delays and final utility inspection. During this time " no payment was due '' and yet the fine print of the contract said that interest would accrue on the principal. When I signed the contract, I was aware that interest would accrue but I was not aware that this gap in time might take three months. 

In XXXX the system turned on and I started making recurring payments at the amount set by XXXX. None of the documentation sent to me showed the amount of interest accrued or the fact that all of the monthly payments were only going towards interest and not principal. The monthly statements only said " you're payment of {$110.00} was received. This statement did not say that my account had an outstanding balance of {$130.00} worth of interest and that continued payments would only go toward interest. 

For any real information, one has to go onto the website. A very poorly visible ( almost hidden button ) saying " view transactions. '' This page allows one to see a bit more detail but nowhere on this page does it show the accrued balance. It only shows a principal value that is unchanging. This looks like a software bug, not an issue with an unpaid interest or underpayment of the loan. 

For the full story, one needs to find the very specific button of My Account > My Account Summary > " click here to view your payoff ''. Only there can one see their outstanding interest but it is labeled as " interest receivable '' : a confusing term at best ; misleading may be a better description.

The net result for me is that the first five payments ( totaling close to {$600.00} ) went to waste. Had the first statement showed an accrued interest of {$130.00}, I would have paid it off that first month. But it didn't. There was no communication to that effect. Had I been less curious about this issue, I could have paid interest-only for years, never paying down the balance.

If you take a loan out through Mosaic, be sure to watch your account carefully otherwise you might just be flushing money down the drain.
Product: Credit card

Capital One advertises that payments made will be fully processed and credit will be reflected on the account the payment was made within 3 business days. I made a payment of {$220.00} on XX/XX/year>. My credit will not be reflected until XX/XX/XXXX almost 8 days after my initial payment! They are purposely misleading because they dont iterate that in their agreement with consumers. I spoke with supervisor XXXX on XX/XX/year> at XXXX regarding my complaint that the credit will not reflected on my account in a timely manner!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXXXXXX 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 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 of 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

There are inquiries posted on my report that are unknown to me and it is concerning : XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. 
XXXX, XXXX ( TWICE ). XXXX, XXXX. XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  was violated my rights. 15 usc 1681 section 602a states I have the right to privacy. 15 usc 1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written permission