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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Georgia XXXX SSN : XXXX | DOB : XX/XX/XXXX Trans Union XXXX   XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXXXXXX XXXX  XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX xxxxxxxxxxxxx XXXX Unverified Account XXXX XXXX XXXX xxxxxx XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX   XXXX XXXX Unverified Account XXXX   XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Accou XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
Product: Vehicle loan or lease

-- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  ( XXXX ) To : XXXX Subject : Complaint RE : Acct # XXXX Dear Mr. XXXX XXXX XXXX, The year of XXXX has been an horrific year dealing with covid 19 virus, systemic racism, election and economy issues. And just when we think things could not possibly get worse, GM Financial sends us a letter with unfair and dishonest practices. 

Please allow us to explain. 

On XX/XX/XXXX, we entered into a 39th month lease agreement with GM Financial. Term was approved at 12,000 miles a year. On XX/XX/XXXX. all 39 payments were paid and the car was returned to the same dealership in which we purchased it. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX XXXX. The mileage was noted at XXXX and we turned in 2 sets of keys. XXXX complimented how great the car looked. 

On XX/XX/XXXX, we received a condition report that reflected charges for XXXX. We did not understand this. As we reviewed the charges, the disposition fee of XXXX is what we understood to pay when the vehicle was turned in, However, in further review, we found that XXXX was for excess wear charge. Then, there is an excess mileage charge noted for XXXX. And lastly, a tax charge for XXXX. 

The XXXX is not a correct charge that included a missing key set. Please contact the dealership - XXXX XXXX will confirm that we turned in 2 key sets. This is a fact. So putting this on the report shows clearly that these charges are made up. 

The XXXX for excess mileage is also incorrect. The lease agreement signed on XX/XX/XXXX states the mileage on the vehicle when we took possession was XXXX and when the vehicle was returned the mileage was XXXX, so we drove the vehicle for 39 months and put XXXX on the vehicle. We did not go over XXXX in 39 month while leasing it. 

Lastly, we know that this is not right or fair. Our family has suffered so much this year, and we can not pay for something we do not owe. We do owe the disposition fee of XXXX as that was explained to us when releasing the vehicle. But that is all we owe. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.
Product: Money transfer, virtual currency, or money service

In year XXXX  I was scam out of {$350.00} on cash app and I had contacted Customer Support to help me distribute the transaction but I didnt receive a reply until a week later and was told that there was nothing they could do and I just lost my hard earn money.
Product: Credit card or prepaid card

On XX/XX/XXXX I reserved a car for rental with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. When I went to pick up the car I was informed I would need to pay more to have full insurance. I told the lady at the rental agency I did not agree with the terms, and that I had been told by the man the day before I had full insurance. The lady working issued me a cancellation notice and told me I wouldnt be charged. When I checked my statement in XXXX I realized that XXXX XXXX XXXX XXXX did not reverse the charge. I filed a dispute with chase card services. The representative told me not to send in any documentation unless requested. A few weeks later i received a letter saying that the charges were valid. I had not been given a chance to submit my documentation including my cancellation letter from the rental company representative. I complained and had the case reopened. I sent in proof to chase that I did not rent the car, I did not receive any services for payment. In fact I was not in the country XXXX XXXX XXXX XXXX when I had allegedly rented the car ( XX/XX/XXXX to XXXX ). I sent in hotel receipts showing that I could not have returned the car on XX/XX/XXXX because I was in XXXX XXXX, XXXX on that date. Chase eventually dismissed my claim and sided with the XXXX XXXX XXXX XXXX  company. Chase card services gave me a {$100.00} voucher for my time and money I spent faxing documentation and calling The dispute resolution office.
Product: Student loan

In XX/XX/XXXX, I received a letter from XXXX XXXX indicating the total number of qualifying payments going toward my PSLF. This number is a complete MISCALCULATION. I called them immediately and asked them to review my file and they said to wait for the manual review. From XX/XX/XXXX-XX/XX/XXXX, I had contacted them 6 times asking for updates/status on the review process and every time they indicated that indeed it's still under review. Then, on XX/XX/XXXX, I talked to this rep who stated that my file was actually not under review and he will start the process for me. He did know why the previous reps told me that my file was under review. Then, from XX/XX/XXXX to present, I have contacted XXXX XXXX 5 times to ask for updates/status on the review process. Again every time, they say it's under review. I specifically asked to speak to their manager each time. I also suggested them to look at my file and they all agreed with the miscalculations, but stated that they can not do anything except to wait for the manual review to be completed. I have waited and waited. It has been over 1 year since this whole process started. I still haven't heard anything from XXXX. I'm frustrated that this whole process has taken this long and that the reps were giving false information to the borrowers. Please help.
Product: Credit reporting or other personal consumer reports

Ive contacted US bank regarding some type of fraudulent account that was opened in my name I noticed this account when I requested a free credit report after finding out the US Bank credit account was fraudulent I immediately filed a police report which I have attached below also I contacted the company and made them aware of this fraudulent account reporting for some reason several times calling I was being transferred back and forth from the fraud department to the credit card servicing department I was given a claim number which is XXXX I was told to fax the police report over to US Bank Fraud Department which I did I then contacted them back later to find out they received the police report but took no action for some reason finally after making multiple calls I was able to reach someone this representative told me she submitted the request to have this fraudulent account removed from the credit bureaus. I waited about to months called back because the information remained on my credit report when I called back I was then told something different that they verified the account. I asked them how did they verify the account belonged to me when all the identifying information was completely different from mine accept for my name and social security number I only received one call from the fraud department before returning the call and not receiving any calls back. Due to US banks horrible customer support uneducated workers and illegal investigation process this fraudulent account still remains on my report if they do not remove this fraudulent account I will take further legal action as this is causing me time loss and financial damages
Product: Debt collection

I had a loan amount approved with Credit Acceptance for a XXXX XXXX which I received from XXXX XXXX XXXX. On XX/XX/2017 I had to purchase a new engine and services for the car of {$4600.00}. Apparently the cars engine block was broken and desperately needed to be replaced. I had tried for months to resolve this issue but had no success. I had repeatedly called XXXX XXXX XXXX and Credit Acceptance to ask for help but received none. I also ended up paying out of pocket for a rental car for weeks and was never reimbursed for it. I was under the impression that the payment for the engine block would go towards my monthly payment for the car.
Product: Debt collection

I am XXXX XXXX, a consumer, and I am the executor of XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, you have violated the consumer rights of XXXX XXXX XXXX XXXX XXXX ) under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. You also violated 15 U.S.C. 1692f - Collect any interest, fee, charge or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law. Also taking or threatening to repossess or disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property can not be taken, repossessed or disabled. 

XXXX XXXX, the co-applicant on this file with the original creditor, XXXX XXXX XXXX, passed away in 2021. I need a copy of a definite statement and an audit trail on this file and the forward flow agreement immediately. My aunt XXXX XXXX has been paying on the debt which XXXX XXXX XXXX sold the debt and another company sold it to you and the debt has been paid in full. You, Concord, purchased the debt which is a breach of the Gramm-Leach-Bliley Act since private information has been compromised and was given without our consent. XXXX XXXX did not sign any contract with Concord. There is a lien on the property of XXXX XXXX XXXX XXXXXXXX XXXX I called XXXX XXXX XXXX, the original creditors, and they can not find records of this account. I sent your information to our closing attorney and they rejected your pay off. There was some confusion on the invoice at the bottom stating $ XXXX ; there is no mention of our UCC financing statement and there is also no reference of the property address in question. 

If proper validation of this alleged debt is not provided immediately upon receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

I have attached the following files for your review that states me, XXXX XXXX, being the executor of XXXX XXXX Estate. As a consumer we have a right to ask for an audit trail on this file.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section 2 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX  Account number : XXXX Balance : {$100.00} XXXX Account number : XXXX Balance : {$270.00} XXXX XXXX  XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} Late/Open Late Date XX/XX/XXXX
Product: Debt collection

I received a debt collection letter from I.Q. Data international, Inc. for an apartment that I recently moved from. This came as a surprise because the manager at the apartment made no attempt to inform me of any of this. I immediately disputed the debt because the charges were outrageous and I left the apartment in a good clean condition. I have been speaking with a particular person named XXXX from the company and thought that they had started their investigation to validate any charges. I have been providing documents and papers to back up my dispute. On a prior phone conversation that took place around XX/XX/XXXX XXXX stated that in order to keep my account from being active in collection I needed to provide him with a card number. He also said that my card would NOT be charged if I called back by the XX/XX/XXXX to follow up on the dispute. I did call back on the XX/XX/XXXX to follow up and was still disputing the charges. dispute. I did call back on the XX/XX/XXXX to follow up and was still disputing the charges. Today on XXXX XXXX, 2017 I received a call from XXXX stating that I.Q. Data International , Inc. would be sending out the itemized list of charges they received from XXXX XXXX Management. He asked if I wanted to make a payment toward the debt and I said No. Multiple times. I stated that I was not going to pay this debt because the dispute was still ongoing and I did not believe the charges to be valid. ( The apartment lumped the fee together as " full paint and carpet {$890.00}. '' ) I was told to hold and was transferred to another person. This time a lady who treated me horribly and kept asking why I was n't paying my debt when I owed it. I informed her that it was being disputed and that I was not going to pay it when I did not believe the items being charged were valid. I also informed her that there were deposits that the apartment did not return to me or apply to the supposed debt, and for this reason I was still disputing. The lady kept saying that it was going to go on my credit if I didnt pay and again I told her the same thing. I will not authorize charges to my card because I dont believe the debt is valid. Without my authorization, {$710.00} was attempted to be pulled from my account. Thankfully my bank blocked the charge. Phone calls are recorded with collection companies and at no point in the conversation did I authorized them to charge my card. I specifically told them that I do not authorize them to charge it and they still attempted to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. The breached information includes SSN, home address, birth date and drivers license number.
Product: Student loan

Had asked them to refinance my loan with a lower interest rate back when sallie-mae held the loan and also when navient bought this account i had asked them to lower the % rate. I also have receipts going back to XX/XX/2007 totaling over {$10000.00}. The initial loan was {$14000.00}. With navient the balance is still {$14000.00} plus {$110.00}. When i asked navient about previous payments that were made to sallie-mae of ( {$10000.00} ) there answer was that was for interest only. Should you need any receipts i have all of them since conception of this loan.
Product: Mortgage

In XXXX, I received a letter from Mr. Cooper aka Nationstar in the mail stating that I would need to show prove of insurance. I did called and uploaded the prove to them. In XXXX, I received another letter and I did call them again and they state that did not received. I did uploaded and called them back and they did confirmed that it was received and it will be removed in 10 days. I received an overdraft on XX/XX/XXXX and nothing was fixed. I called their escrow company XX/XX/XXXX and they said they will have to send their insurance company another message to clear so it can be reversed. XX/XX/XXXX, I called them again to check if it is resolve since my online account does not reflect any credit. The representative said they're still waiting for escrow to reverse it. I called back XX/XX/XXXX and nothing was done yet.
Product: Mortgage

RoundPoint Mortgage Servicing Corporation bought our loan in the fall of XXXX. They did an escrow analysis in Mid XXXX and raised our monthly payment by over {$600.00}, all of this without notification. When our bill came for XXXX we called and requested a copy of the escrow analysis that they claim was sent to us, it was not. They said they would look into it and make any corrections in 3 business days. When we got the analysis emailed the next day we found out they double charged us for school taxes and did not charge us for local. We called back after 3 business days and were told they corrected the taxes but no one ran another analysis so our payment would be the same for the month and to pay the elevated amount. We asked them to run it and send us proof, representative said they would. After another phone call several days later this issue is still not solved. We have requested an escrow analysis several times to correct our taxes that Roundpoint messed up. Our local taxes are due in XXXX and as of right now Roundpoint has not admitted they charged us twice for school taxes despite their escrow analysis proving they did. 

First phone call was XX/XX/XXXX requesting the escrow analysis that they did not send us that showed their mistake charging us twice for school taxes. 

Second phone call was XX/XX/XXXX asking for an update and being told they would run another escrow analysis to correct the problem. They blamed the township for not charging us local taxes, but township denied this. 

Third phone call XX/XX/XXXX requesting an update. Roundpoint again said they havent run it yet but can do it today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This account should be reporting as " CLOSED, PAID AS AGREED ''. There was an UNAUTHORIZED charge made to this account in XX/XX/XXXX for the amount of {$130.00} by XXXX XXXX XXXX. XXXX XXXX XXXX was not authorized to process any payments on my behalf. I cancelled insurance with them in XXXX and have have no business with then since XXXX. See cancellation information. ALL derogatory information needs to be removed from my credit file immediately. XXXX responded that a correction was warranted on XX/XX/XXXX but have yet to update my credit file. It has been over 30 days. See letter from XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX