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

I bought out my lease in XXXX of XXXX. The car was paid in full, yet title remained in Hyundais name. I am now seeking to get the title put in my name, but require Hyundai to send me the title and a letter authorizing me to transfer title in to my name, as the legal owner. My initial request was sent 5 weeks ago, at which time I was told a copy of title and the letter authorizing me to put title in my name would be emailed to me, and the original title would be mailed to me. ETA provided of 5 business days. Five days later, nothing received, I called back to find out they had no record of my request, but they would start it now. 5 more business days requested. After those five days, I received a copy of title via email, but no original title or title transfer authorization. I called again, and was told I could not receive either without an Odometer Statement, something never mentioned in my two previous requests. They sent me the Statement, I signed and returned immediately, and have e-mail confirmation from HMF of the documents receipt dated XX/XX/XXXX. I was then provided another 5-7 business day turnaround time to process the statement and attach it to my account. On XX/XX/XXXX, I called to confirm receipt of the Statement, and was advised they dont have it. They sent me the Statement again, I completed immediately and returned, and received another e-mail confirmation from HMF that the Statement was received dated XX/XX/XXXX. Ive now called again today, XX/XX/XXXX, and been advised that they dont have the Statement, 14 days after I received confirmation that HMF has the completed document. They sent the Statement again, I returned it again, and have an additional confirmation of receipt by HMF. 

Everyone I speak to shares the same story about not having any direct communication with any other department, and therefore no Avenue to research, investigate, or escalate the situation. Everything thats been asked for by HMF has been provided multiple times, with confirmation from HMF that its been received, yet no level of customer service is able to assist further, or provide any alternate Avenue to completion. At this rate, the five weeks Ive been attempting to work with HMF is going to increase exponentially because nobody at HMF believes its their responsibility to actually assist, they simply pass the responsibility on to a department they cant speak to directly. 

I want the title and the POA authorizing the title to go in my name, and Ive waited through several failed 5-7 business day turnaround times. There should not be any more such delays.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Consumer Rights I am writing to formally dispute the inaccurate information reported on my credit file concerning accounts that have been charged off and subsequently paid through a third-party company. Despite the settlement of these debts, they continue to be reported in a manner that suggests I am still responsible, which is both misleading and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

1. Inaccurate Reporting of Paid Charge-Off Accounts According to the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 2 ), 15 U.S. CODE 1681 ( S ) 2, 15 U.S. code 1666, 15 U.S. 1666 ( b ), 15 U.S. code 1692 ( g ), 15 U.S. code1681 ( c ) 2, and 15 U.S.CODE 1681, furnishers of information to credit reporting agencies are obligated to update and correct information that is incomplete or inaccurate. The continued reporting of these accounts as unpaid charge-offs, despite their settlement, constitutes a failure to meet this obligation. This misrepresentation adversely affects my creditworthiness and is a direct violation of federal law. 
XXXX XXXX XXXX XXXX Charged Off XXXX XXXX  XXXX Charged Off XXXX XXXX - Charged Off XXXX XXXX XXXX Charge Off XXXX - Charge Off 2 . Improper Reporting of Late Payments Federal law mandates that a late payment can not be reported to the major credit bureaus until it is at least 30 days past due. Reporting a payment as late before this period violates the FCRA. Additionally, the FCRA requires that information furnished to credit reporting agencies be accurate and complete. Reporting a payment as late when it is not meets the definition of inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to Issue Form 1099-C and Continued Collection Efforts The Internal Revenue Service ( IRS ) requires creditors to file Form 1099-C when a debt of {$600.00} or more is canceled. The failure to issue this form, coupled with continued collection efforts or reporting the debt as active, may constitute a violation of IRS regulations and the FCRA. This practice can be deemed deceptive and unfair, infringing upon my rights as a consumer. 

Legal Precedents In XXXX XXXX, XXXX, the bank was ordered to pay nearly {$28.00} XXXX by the U.S. Consumer Financial Protection Bureau ( CFPB ) for misreporting consumer credit data, including inaccuracies related to delinquencies and account statuses. This case underscores the legal imperative for accurate credit reporting and the consequences of failing to adhere to FCRA requirements. 
XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX # XXXX 15 USC 1681 section 602 A 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. 

15 USC 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 USC 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 am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark ( Intitial dispute sent on XX/XX/2020 ) and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Mortgage

My bank statement for the monthly mortgage payment includes a {$10.00} fee. The fee is described as " overdue payments, fees, and charges. I called the bank several times to ask why I am being charged that amount every month but they do not give me an explanation and do not delete the fee. My mortgage payment is done via automatic transfers from my bank so the payments are never late. Every time I called for clarification I get transfer from one employee to another but with no result or explanation of what that {$10.00} fee is for. 

I would appreciate any assistance you can provide me on this matter. Thanks
Product: Credit reporting or other personal consumer reports

I

am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : - XXXX XXXX Employer : - XXXX XXXX Employer : XXXX XXXX XXXX, FL Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

XX/XX/XXXX : Application and deposit of {$500.00} submitted for home mort refi. 
-Terms : 3 % ; no points, no PMI, Close in 30-45 days. 
-Appraisal report contained factual errors and omitted information that placed property significantly below similar units, negatively impacted LVR. 
-Submitted a request for appraisal reconsideration along with supporting info on XX/XX/XXXX ; told it would be a five day turnaround. 
-Communication basically stopped at that point, no response back regarding results of reconsideration or application process updates. 
-Multiple voice mails/E-mails sent from XX/XX/XXXX to XXXX to several AMERISAVE points of contact and customer service With no response re updates. Review posted on XXXX XXXX, call from AMERISAVE on  XX/XX/XXXX. Informed that the reconsideration was denied and told my options would all include significant cost increase ; no report or paperwork sent re the reconsideration denial. 
-Requested deposit refund due to to deceptive practice, appraisal with errors, unacceptable customer service/communication and inability to use my 14 day grace period following a hard credit inquiry to f/u with other companies due to their delays. 
-AMERISAVE Manager XXXX XXXX was rude and condescending and said we dont have any control when I again requested my deposit be refunded. 
-Filed a XXXX complaint against AMERISAVE on XX/XX/XXXX : Case ID:XXXX.
Product: Money transfer, virtual currency, or money service

When Zelle first started out and  I sent money to the wrong person and I never was able to got my money back and the bank wasnt willing to help me get it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX .... Balance : {$1500.00} ; XXXX  XXXX XXXX XXXXXXXX XXXX .... Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have called trans union SEVERAL times trying to get these derogatory marks off of my credit. ALL 15 of these derogatory are NOT mine, this is incorrect information on my credit report. i need these marks removed IMMEDIATLEY
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit reports and I found the information below to be incorrect. Please make corrections because these inaccuracies need to be corrected asap. 
In Accordance With the Fair Credit Reporting Act the information listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Phone Number : ( XXXX ) XXXX, ( XXXX ) XXXX. Correct Phone Number : ( XXXX ) XXXX. Incorrect SSN : XXXX. Correct SSN : XXXX. This information on my credit reports is in violation of 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. 1681a-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

XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

My stafford student loans from ACS were sold to a bank called XXXX. The following loans were already paid off, but are still reflecting as owed : XXXX {$3100.00} XXXX {$3100.00} XXXX {$1500.00} XXXX {$390.00} XXXX {$5100.00} ACS is now Conduent and there is no contact number that works. Additionally, on their site it states that they are not addressing any issues with ACS loans. I paid this {$13000.00} total off and I want it off my balance and credit report.
Product: Money transfer, virtual currency, or money service

Invested {$XXXX} in XXXX XXXX using XXXX and their XXXX XXXX XXXX XXXX  located in XXXX XXXX XXXX. I WAS SCAMMED OUT OF {$XXXX} using their PLATFORM. They did not protect my money from a scammer who was using their Platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$700.00} million data breach settlement : XXXX Secret Credit Bureau May Be Violating Consumer 's Rights
Product: Credit reporting

I took my husband 's last name & moved to his hometown when I got married 10 yrs ago. There was already someone there by the same name. I ca n't get my credit report from the XXXX bureaus online because all security questions pertain to her life. I have written to them about this for yrs and gotten no resolution. I filed a compliant with them recently. Their response was to mail me my report. This does n't address the issue at all. I want my security questions to pertain to MY life, not hers, and to be able to get my reports online like everyone else.
Product: Mortgage

I need the company to transfer the appraisal to a new company. I paid for the appraisal. The company is refusing to do this because they claim I owe them {$200.00}. I was never aware of this fee up until today, when I told them I would submit the complaint. 

This company is very misleading, confusing, and not to be trusted under any circumstances. They lie throughout the entire process.
Product: Student loan

My last complaint for my services was closed due to the lender stating my loans were in consolidation at the time. My consolidation is complete and my loan counts are incorrect. Prior to my consolidation I had XXXX counts in XX/XX/XXXX, which would bring me to XXXX counts to date in XX/XX/XXXX. 

I submitted a new PSLF to show my past public service employers since XXXX and was only granted XXXX counts for XXXX and XX/XX/XXXX. Why not give me the full count when reviewing my new application. My concern is when payments resume I will be forced to make a payment ( when I can not afford it ) and I should be at XXXX payments in XX/XX/XXXX. 

I am requesting my count to be updated accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today was almost 60 days since I've sent dispute dated XXXX2020 for the complaint and for Deletion of those inaccurate and unknown accounts on my credit report. But, there's no response yet. I'm a victim of XXXX  Data Breach and it cause to me a lot of stress. I demand to REMOVE all that inaccurate and unknown accounts on my credit report. Or I will file a litigation.
Product: Credit reporting or other personal consumer reports

Credit Karma has reported improper information on my credit report without my written consent. & is violating 15 U.S Code 1681e, section 623 ( a ) ( 6 ). These are FTC violations by 1681c-1. and U.S.C violations. 12 CFR Part 1022- Fair Credit Reporting ( regulations V ). 15 U.S.C 1681 section 602 right to privacy violations and 6042 section 2, by XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. this is all Fraud also if ALL ACCOUNTS ARE PRE-PAID, under Title 18 section 8. Title 31 section 3123 and Title 31 section 3124 Exemption from taxation These obligations of the United States
Product: Student loan

Navient cancelled my autopay for my loans because I 'm too close to paying them off. So I restarted autopay. Then they lowered the payment amount without contacting me. Then they cancelled the payments again. It took me months to figure it out and now I still have loans to pay when I should have finished months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting incorrect information and should be deleted according to the FCRA. 

1. XXXX XXXX XXXX XXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
2. XXXX XXXX XXXX # XXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
3. XXXX showing in XXXX XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) 4. XXXX XXXX Bankruptcy Status : ,Discharged Date Filed/Reported : XX/XX/XXXX.