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

The amount of the loans I don't know what they are I overheard when the XXXX had the XXXX XXXX recording this whole conversation that the transaction of the loan that the person was taking out as I was on my credit report after XXXX XXXX XXXX XXXX on hold to wait for the IRS to answer the phone for XXXX XXXX XXXX XXXX XXXX to call dropped XXXX XXXX XXXX XXXX XXXX I called after I called back the answer then they told me that there was someone or I was taking out a loan as I was reporting to them that someone was destroying my credit as they noticed there were XXXX dots on the GPS of the satellite of the longitude and latitude of the address where I was at they seen that I was telling the truth and they told me I had only a few minutes to hurry to that other dot or that geological location of the satellite pinpointing the person that was stealing and using my credit to get a loan out which they made a joint account a third party thing up under my account without my knowledge but what they did was they used a XXXX XXXX which was XXXX XXXX XXXX it had no name on it that's what the IRS said and it had the logos that they were sending from the IRS symbol the logo on the papers with the XXXX XXXX XXXX the woman stated that on the phone and then the credit people was also saying that if I hadn't took it out if it wasn't me that who done all this that I was going to be XXXX they said it went back years back like XXXX or XXXX years and come to find out it went back all the way to XXXX that's how long this person has been stealing my credit I reported this to you guys before and now I'm still here in the same predicament but more loans has been taken out but I can't even do anything with my credit the person has to use my credit to build their credit it's stating all over my credit reports he's been breaking into my room still in my paperwork he also burned the financial consumers credit report that you guys sent me the same day I got it in the mail was the same day he snuck back into the house and got it off the shelf which I have a eye witness she read the dog on report what he had done her name is XXXX XXXX and when he seen that I wasn't playing about my credit he has been going I heard he has been to XXXX the same day I called XXXX XXXX XXXX I talked to him on the phone he said he was going to talk to XXXX XXXX XXXX XXXX my cousin the one who was has been stealing my credit for over I don't know what XXXX XXXX XXXX XXXX years and he said he was going to see what XXXX had to say prior to that and me waiting on XXXX XXXX XXXX XXXX to call me back no call so I'm like what's going on XXXX hours later I called my cousin and I said hey where are you I need you to take me to the grocery store oh I'm just coming back from XXXX I'm trying to hurry and get back and I was like XXXX  what are you doing in XXXX come to find out I remember the FCC telling me that's where you go to dispute credits I'll say so I hope you ain't doing what I think you doing
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report my personal information incorrectly. My name is XXXX XXXX there should be no other name or names listed on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other addresses listed on my consumer report. I have attached my identification and proof of my residency update my report immediately.
Product: Payday loan, title loan, or personal loan

I borrowed {$500.00} from CashNet USA. I was to have paid {$120.00} to extend the loan. However, I wanted to workout another payment arrangement using XXXX XXXX XXXX. I sent CashNet USA a Letter of Revocation stating that the {$120.00} debit should not be made. CashNet USA acknowledged receiving the letter, but said that they did not abide by the letter because no payment arrangement had been made. On XX/XX/2019, CashNet USA debited {$120.00} from my account which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires were not made to my credit report that I didn't authorize. 
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. These Lists of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Bankruptcy : Bankruptcy -Reference Number 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 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : 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: Vehicle loan or lease

I purchased a vehicle with US AUTO SALES in XX/XX/XXXX. The vehicle was purchased with a 3yr/36,000 mile warranty. I started having problems with my vehicle in XXXX Of XXXX. I called the company XXXX. They then told me that I never had a warranty because US auto sales never funded the warranty. Even though it was added into my monthly payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute XX/XX/2020 and have yet to receive a response from the credit bureaus and it's been 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries associated with my credit file. As a victim of a data breach, I have identified the following entries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these entries be removed from my credit profile. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Positive Accounts ( Do Not Remove ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Several of my now student loans were included in a XXXX XXXX XXXX  and payments were made until discharged. After my XXXX XXXX was discharged I still had to resume payments on my student loans. I've since filed for loan forgiveness and income driven repayment. My loans currently exceed {$90000.00} today. My journey began in the late XXXX to early XXXX through today with several forbearances and hardships filed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Information on Credit Report Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction, this issue remains unresolved. Below is a summary of the errors and discrepancies associated with my account : Summary of Errors and Discrepancies : Inaccurate Late Payment : TransUnion and XXXX are reporting a 30-day late payment in XX/XX/scrub>XXXX XXXX This information is incorrect as all payments were made on time, supported by the attached evidence, including bank statements and account transaction records. 
Inconsistent Reporting Across Bureaus : While XXXX corrected the late payment after my second dispute on XX/XX/year>, TransUnion and XXXX continue to report the error. 
Failure to Verify and Update : The credit bureaus failed to adhere to their responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information. This includes not properly investigating or correcting the dispute. 
Background : I initially disputed the inaccurate late payment on XX/XX/year> and submitted a follow-up dispute on XX/XX/year>. While XXXX promptly resolved the issue by removing the incorrect late payment, TransUnion and XXXX have neglected to make the same correction, causing undue harm to my creditworthiness. 
Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of an inaccurate late payment violates this requirement. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The erroneous late payment reporting has caused financial harm and reputational damage. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, which has not been upheld in this case. 
Desired Resolution : Immediate removal of the inaccurate late payment notation from TransUnion and XXXX. 
Written confirmation of the correction from XXXX. 
XXXX that my credit report is updated to accurately reflect my payment history across all bureaus. 
Failure to resolve this issue promptly will leave me no choice but to escalate my complaint further, including legal action and filing additional complaints with relevant agencies. Please address this matter urgently to prevent further harm to my credit profile. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I went online to the Quick Silver Capital One web to pay my account in full. The options were 1. pay the amount due 2. pay another amount 3. pay the full amount. I chose the option to pay the full amount, which was {$3400.00} that was paid through my bank account. The bill was not due until XX/XX/2020. Today I received a bill for {$49.00}. I called Capital One and was told this was interest accrued but was told repeatedly the {$49.00} was interest. Ultimately the concern is this company can repeatedly add additional interest accrued, Capital One is demonstrating Long Shark characteristics.
Product: Credit card

XXXX Credit Card via TD Bank has been using bank accounts on file to pay off the entire amount of the credit card debt owed. They have attempted to do this 3 times, overdrafting my bank account by about {$16000.00}. 

This has happened now to multiple people over the past month. They claim that someone called over the phone to authorize a payment but this was not me as I have autopay set up for the minimum amount. Everyone else who this has happened to has had the same issue with a random number calling in to make a payment on their behalf. 

XXXX refuses to put a stop to these payments and every time it happens I have to call my bank to reverse the payment. There is clearly something going on with either an internal glitch or a data leak that they refuse to take responsibility for or warn anyone about.
Product: Credit reporting

Despite my repeated requests to have the accounts deleted, TRANSUNION continues to report in my credit file outdated, factually inaccurate accounts with XXXX and XXXX. These belong to my former spouse and stem from an acrimonious divorce dispute with her. I simply want the accounts deleted as they each contain numerous errors and they have refused to do so.
Product: Credit reporting or other personal consumer reports

I believe that I am entitled to relief, for each XXXX ( XXXX XXXX XXXX ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I am punitive damages due to gross negligence. I have spoken to a number of Executive Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to XXXX XXXX XXXX XXXX XXXX ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to EWS ( Early Warning Services ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB XXXX a substantial fine against XXXX XXXX XXXX XXXX XXXX ) for having violated my rights- In accordance with the Fair Credit Reporting Act, have violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Penalties : Under the FCRA, there are potential penalties for violations, which can include : Actual Damages : Compensation for any actual damages suffered due to the unauthorized reporting. 

Statutory Damages : Under the FCRA, I may be entitled to statutory damages ranging from {$1000.00} for each unauthorized reporting instance.

Punitive Damages : If it is determined that the violation was willful, I may seek punitive damages, which are intended to deter such conduct in the future. 

I have attached all of the information that you all have been providing and this has caused loss of job opportunities and banking relationships due to your company 's negligence.
Product: Credit reporting or other personal consumer reports

On XXXX I confirmed with the US Bankruptcy court on who furnishes information to the current three Credit Agencies. Who is therefore responsible for reporting inaccuracies to my consumer credit profile. The upload in which will be provided, will prove in fact that the US Bankruptcy court does not furnish public information to the three Part agencies on their behalf. Therefore, Equifax, XXXX, & XXXX had no lawful authority to report anything on my consumer credit file without my written consent as per 15 USC 1681b - Permissable Purpose of consumer credit report Rule Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports A Rule by the Consumer Financial Protection Bureau on XXXX  Document Details Printed version : XXXX Publication Date : XXXX  Agency :. Equifax, XXXX, & XXXX are violation of said 12 CFR part 1022 - Fair Credit Reporting Violation V. 12 CFR Part 41 - Fair Credit Reporting, Inaccurate information must be corrected or delted.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 XXXX 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: Checking or savings account

XX/XX/2022 on Sunday at XXXX I deposited {$510.00} dollars in my account and it gave me a receipt saying to call the number to make sure the money was deposited into the account I then called the claim specialist for Chase banking they made a claim incorrectly for {$310.00} and the gave me a claim of {$3.00} dollars I then called again to fix the issue after I fixed the issue I then called back again and they said they cant give me my money back because they said it was only {$3.00} dollars in the atm
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX 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 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 or other personal consumer reports

INACCURATE REPORTING AND PLEASE SEND ME INFORMATION REQUSTED BELOW. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one existing credit card that shows late payments it has never been late one that was paid off and closed and it shows that it is still open by XXXX XXXX and that it was just a debt that was settled we paid it in full and I close the account because I didnt want to deal with XXXX XXXX  anymore it is still on my credit report
Product: Credit reporting or other personal consumer reports

I closed the account for the XXXX XXXX XXXX XXXX  builder on XX/XX/year> I have documentations. The balance was {$0.00} I have a statement provided from the company. They keep reporting the account open and with a {$1700.00} balance. I have disputed this with TransUnion 10 times have got additional information from XXXX company and it is states account is closed balance {$0.00} but then they report to TransUnion that it is open. I have sufficient documentation I need help to close this correctly and get off my report.
Product: Debt collection

Thie complaint is against Kia Motor Finance Corporation. I incurred costs due to the company 's failure to remedy my inability to register a car leased through XXXX of XXXX XXXX ' ( dealership ) in New York. 

At the time of lease, the dealership indicated that the vehicle could be registered in NY and I provided NY insurance. But despite many phone calls and emails by me, the vehicle was never returned to me and I could not use the car or park it safely for periods of the lease term. 

No attempt was made - either before or after towing the car back to Maryland at my own expense so that I would not incur tickets - to provide any alternatives so that I could use my vehicle, or mitigate the cost of returning the car to the dealership, or mitigate the lease termination cost. And no attempt was made to have my XXXX lease payment suspended or otherwise reduce lease termination costs, for example by buying back the vehicle. It's unfair for me to have to pay the entire lease termination fee of over {$3500.00} based on this. Most pertinent to this complaint, when after much additional correspondence, a bill was sent to me ( 1 ) I was not notified in a timely fashion because a letter was sent to my home when I had indicated that I had relocated due to COVID and would require email or phone notification ( 2 ) I was not informed of any right to dispute the charges. 


Thank you for your guidance. 
Sincerely, XXXX XXXX
Product: Mortgage

What Happened? 

I am filing this complaint against Planet Home Lending and XXXX XXXX  for unjustified delays in the processing of my VA loan assumption, which has now exceeded the VAs standard processing timeframe. 
I submitted my VA loan assumption application for the property at XXXX XXXX XXXX well within the expected timeline. 
VA guidelines state that the assumption process should take no more than 45 days, yet this has dragged on far beyond that. 
The lender and its service provider, XXXX XXXX, have repeatedly delayed the process without a valid reason. 
Despite multiple assurances that my assumption is a top priority, they have failed to provide a clear-to-close date or a timeline for when this will be finalized. 

Why This Is Causing Financial Harm Because this assumption has not closed, my VA entitlement is still tied to this loan, preventing me from securing my new home loan. 
This delay is putting my earnest money deposit at risk, which could result in financial loss through no fault of my own. 
The lack of urgency and accountability from Planet Home Lending and XXXX XXXX  is directly preventing me from moving forward with my home purchase. 

Attempts to Resolve the Issue I have repeatedly contacted both companies, requesting a final timeline for assumption closure, but I continue to receive vague responses with no firm commitment. 
I escalated my concerns to XXXX XXXX  Compliance Officer, who acknowledged the delay but failed to provide a solution. 
I have requested immediate action, including direct contact with the underwriter, but my requests have been ignored or delayed.