23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX has not provided us with a copy of the 1099-a required by the IRS for all Borrowers. We are not a Borrower of XXXX, but XXXX claims that we have a loan with them. We do not. We dispute any amount that XXXX says is due. XXXX failed to CEASE and DESIST from contacting us or calling us despite our repeated requests, therefore we make these additional claims that 1 ) XXXX failed to process the IRS Form 1099-C cancellation of Debt, thereby violating Public Law 73-10 and House Joint Resolution 192 . 

2 ) We do not have any debt with XXXX or XXXX and XXXXXXXX XXXX  alleged record is fictitious. We accept the absence of debt as the reason for XXXXXXXX XXXX failure to file the Form 1099-C with the IRS. If XXXX continues to allege a Debt, then we make the further claim of tax evasion and tax fraud as we never received said Form 1099-a and we have received no confirmation of Form 1099-C being processed. 

3 ) We hereby request the state issued identification of XXXX XXXX CEO and all of the XXXX agents who have called us despite our issuing a cease and desist order and notifying XXXX that we are on a Federal Do Not Call List. 

4 ) XXXX has failed to prove any Debt, failed to prove any contract, failed to prove authorization to administer the Estate, thereby acting as XXXXXXXX XXXX XXXX XXXXXXXX. 

5 ) XXXX XXXX XXXX 5 US 137 prohibits actions repugnant to the Constitution and all laws contrary there to are void and any violation of an Oath is a crime, so says the US Supreme Court XXXX XXXX, 5 US. XXXX is engaged in actions repugnant to the Constitution making their actions under any statute unlawful. There is no Constitutional justification thereby making XXXXXXXX XXXX actions based on presumption and a crime. 

6 ) XXXX is in violation of Article 1, Section 10, Clause 1 of the Constitution making their actions unlawful. 

7 ) XXXX made an adverse credit report in furtherance of their harassment and fraud. We dispute any purported debt and make a counterclaim of criminal racketeering. 

8 ) We demand XXXX to produce the state issued identification of the CEO and all officers and agents involved in this matter so that they may be properly identified by law enforcement and by us. 

CFPB is warranted to engage in enforcement action against XXXX with penalties.
Product: Vehicle loan or lease

Hyundai Motor Finance is attempting to charge me extra fees to make a payment. I attempted to pay my bill online at XXXX XXXX XXXX  The website gave the following message when attempting to make a payment to my loan account. It told me, Payment not completed. Please verify bank account number is correct and resubmit. If issues persist contact your bank. 

The account number is XXXX I called Hyundai Motor Finance and spoke to a representative by the name of XXXX. She stated that there is an issue but couldn't not tell me why. Instead she kept insisting that I pay either {$3.00} or {$7.00} to make a payment over the phone. {$3.00} is through their automated system and {$7.00} is via the representative. I told her I shouldn't have to pay because the issue is with their website. I asked if she could waive the fee and she said no. I asked to speak to a supervisor and again she said no. She said if I wanted to speak to a customer service representative I would need to bring my account current. To clarify, I was on day XXXX of my 10 day grace period. I stated its outrageous to charge me a payment fee when there is an issue with your website. 

My complaint is trying to attempt to charge me extra fees for simply accepting a payment. I made previous payments with this XXXX XXXX checking account without issue and there was no history of returned payments or NSF checks. If there were, I would understand, but there was no such history. 

I have since sent them a check, but I feel they are creating unnecessary obstacles for customers to pay on-time payments and charging extra fees for simply making their payment. Please investigate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested my credit report from three major credit agencies. On XXXX credit agency, I noticed a credit card account on my XXXX credit report. I contacted XXXX, letting them know I dont have a Citibank credit card. XXXX informed me that the account has me as an authorized user. I didnt give anyone permission to put me as an authorized user, so its a fraudulent account. I requested XXXX to remove that from my credit report. Two weeks later, Citibank , N.A . sent me a letter dated XX/XX/year>, saying they were not removing it. Citibank , N.A . noted in the letter that they are not removing it as long as Im an authorized user. They are not even saying which account it belongs to, so I can see if I know the credit card holder. The letter said I could contact them at the phone number on the back of the letter. It was only a mailing address, not a phone number. Im requesting Citibank, N.A., to remove that credit card account number XXXX. This card no : was on the top right-hand corner of the letter dated XX/XX/year>. I will fax CAG, OCC, a copy of the letter from Citibank , N.A .
Product: Debt collection

The debt collection is erroneous and I do not owe any debt to them. XXXX never sent me a final bill as they had an address of a home I have never lived in. I was never called, emailed nor did I ever receive a physical bill. There was no way I could have known I had an outstanding balance
Product: Student loan

Dates are to numerous to list. Have been in a state of forbearance or deferrment since intital graduation in XXXX. Returned to school for XXXX  in XXXX, graduated XXXX, continued on in dual XXXX 's graduated with single XXXX 's XXXX. Told will need additional course 's not in originial enrollment to complete second XXXX. Only needed internship at time. Started XXXX, had to postpone due to husbands XXXX XXXX, payments on loans higher than income permits, income potential has never come close to earning potentials put out by schools. Additionally assert that institutions do no consider hiring their alumni as instructors without terminal degrees as a means of generating greater enrollement. This leads to additional student loan debt and even more hardship on the student. Worse is the latest request for deferrment due to personal health issue. Deferrement granted along with an auto stop on repayment plan, which included a payment adjustment 2x the amount which is now over {$2300.00} a month. They also added over {$30000.00} to my loan balances and increased my interest rate to 10.76 %. News flash.. this is three car payments or a house payment and a car payment. Also, if there was no co-borrower to begin with, than how is it they think they can include income from said source that did not exist when factoring repayment? I have been told multiple times I would qualify for teacher forgiveness, or other types of loan forgiveness by navient staff. Turns out none of them know what they are talking about..
Product: Debt collection

I would like I.C System Inc. to kindly cease the illegal activity of trying to collect a debt within a state you are not licensed in. In the state of NJ, all collection agencies are required to be licensed within that state, under the New Jersey Consumer Finance Licensing Act, N.J.S.A.17:11C-1 ET SEQ.

I.C Systems are licensed in only 13 states and New Jersey is not one of them. 

Arizona, Connecticut, Idaho, Indiana, Maryland, Massachusetts, Nebraska, Nevada, New Mexico, North Dakota, Oregon, Rhode Island, and Wyoming
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things ae incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate this account listed below because : XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate and I have never heard of XXXX XXXX be fruadulent.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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

calls from Midland fuding LLC different numbers all times of the day. spam mail I also asked for original documents from from original creditor and was not given one. I need this off my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

i : reported identity theft of my name and social security number to Police as well as to FTC, see attached. Bank of America ( BOA ) seems to have hired robo signers and others to forge my signature on a fabricated note and claimed that i : borrowed monies from it, when i : never did. i : demanded numerous times from bank of America to make the presentment of that promissory note that it claimed i : signed [ when i : never did ], while Bank of America and its Agent ( s ) Principle ( s ) Co Parties claimed that BOA has in its possession the promissory note that i : allegedly signed, but it never did present that to me. Through extortion and racketeering acts and coercion, i : was forced to sell my unique private property, the alleged servicer XXXX XXXX XXXX stole my monies from the proceeds of the sale and is refusing to return my monies. In addition, later i : found out that after the close of escrow, Bank of America and its co parties agent ( s ) principle ( s ) have sold my note to other entities, as of almost 1 year ago [ the date  that i : researched it using XXXX ], it shows that i : owe in excess of {$120000.00} to unknown entities even though Bank of America/XXXX has filed for release in county recorder due to their being paid in full [ which is really theft of my assets ]. So not only, they are not returning my monies at TILA section 1635 et. seq, indorsed by all three branches of the government to wit : by the president, the congress and the SCOTUS unanimous decision : XXXX v. Countrywide Home Loans Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( XXXX XXXX XXXX SCOTUS Unanimous decisionXX/XX/XXXX Author : XXXX XXXX ), Reg. Z. by Federal Reserve, 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ) but also it seems that they have sold my note to other parties and claiming losses on those to obtain additional default insurance from various insurance companies while claiming that the alleged loan was paid in full when my home was sold, they recorded that closure in county recorder, on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX AND LexisNexis Risk Solutions Subject : Complaint Regarding Inaccurate and Defamatory Claim History Report Submitted by XXXX Insurance Dear XXXX Consumer Financial Protection Bureau Director/LexisNexis Risk Solutions Representative XXXX, This letter constitutes a formal complaint regarding inaccurate and potentially defamatory information submitted by XXXX Insurance to the Ohio Department of Insurance during the investigation of my insurance claim dispute. 

During a recent insurance claim dispute with XXXX XXXX, I filed a complaint with the Ohio Department of Insurance. In response, XXXX XXXX submitted a claim history report that contains inaccurate and misleading information. Specifically, the report includes claims that : Do not belong to me : Do not match my address of residence : Were not made in my name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX File Number : XXXX Date of Loss : XX/XX/XXXX Loss Location : XXXX XXXX XXXX XXXX, OH XXXX Cause of Loss : Arson or Incendiary Suspicion Paid : Unknown Carrier : XXXX XXXX XXXX XXXX File : XXXX Claim number : XXXX Date of Loss : XX/XX/XXXX Loss Location : XXXX XXXX XXXX XXXX OH Reported Loss : Unknown Homeowner property damage XXXX : XXXX XXXX XXXX XXXX File : XXXX Claim number : XXXX Date of Loss : XX/XX/XXXX Loss Location : XXXX XXXX XXXX XXXX OH Reported Loss : Unknown Kicked in Front Door XXXX Malicious Mischief Paid : Unknown Carrier : XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Date of Loss : XX/XX/XXXX XXXX File number : XXXX Claim Number : XXXX Loss Location : Unknown XXXX  OH Reported : Water Damage to Flooring and ceiling insured fell asleep Total Paid : Closed without payment Carrier : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Loss : XX/XX/XXXX XXXX File number : XXXX Claim Number : XXXX Loss Location : XXXX XXXX XXXX XXXX OH Reported : Water Damage Total Paid : Unknown This inaccurate information is not only misleading but also potentially defamatory as it falsely implies a history of fraudulent insurance claims. This erroneous information could negatively impact my ability to obtain future insurance coverage and may have other detrimental consequences. 

I have attempted to resolve this issue with XXXX XXXX, but my efforts have been unsuccessful. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX for submitting false and misleading information to the Ohio Department of Insurance. I also request that LexisNexis Risk Solutions investigate the accuracy of the information provided by XXXX XXXX and correct any inaccuracies in my credit report or any other records maintained by LexisNexis. 

I have attached copies of the following documents to this complaint : Thank you for your time and attention to this matter. 

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

My personal information was exposed, and my driver 's license was used to get loans and credit cards. I am a victim of identity theft
Product: Debt collection

I used a health club XXXX under a coupon for a free week of trainings. During that first week, I liked it the second day so I asked for a membership and was told the contract would n't start until the week was up. On the fourth day, I XXXX at work. I could no longer attend the gym. I went in and filled out a form saying I am canceling my contract. Two months go by and I start receiving calls from the collection agency non stop all hours of the day claiming they never found the papers saying I ended the contract and I owe the full amount due. I spoke to the manager of the gym who says he has no idea what I 'm talking about, and its the collection agency 's problem now.
Product: Credit card

This is my response to your response about my last complaint, while i understand that they hire anyone these days, as i said previously, i refuse to send my information to an incompetent company that does not vet a new customer before approving a new credit card application and only requested additional information after the application is approved. Inadequate customer due diligence is legal ground for CFPB to fine you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Experian has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Discrepancies in Dispute Results I have filed the following disputes regarding this account : 1. Report No. XXXX ( XX/XX/year> ) Marked as verified and updated, despite no evidence being provided to substantiate the accounts validity. 2. Report XXXX. XXXX ( XX/XX/year> ) Also Marked verified and updated, and disputed item not listed on credit report, despite the account being present on my credit report before and after this dispute. The reports for XXXX clearly state that the disputed item was not listed on credit report, which is demonstrably FALSE. This account has never been removed and continues to negatively affect my credit report, making Experians response both inaccurate, misleading and causing me ongoing distress. Misrepresentation in Dispute Results : Reporting that the disputed items were not listed while it remains on my credit report violates the CFPAs prohibition on unfair and deceptive practices. I request that the CFPB take action to ensure Experian, XXXX, XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Debt collection

To CFPB, This is XXXX XXXX XXXX and everything I state in this complaint is from personal first hand knowledge of this matter and is in regard to a closed complaint # XXXX LVNV Funding LLC. 

I am sending this complaint because LVNV Funding is continuing to report private information on my consumer report without any express or implied authorization. I deny owing this alleged debt. I do not have a contract with LVNV Funding as they are a junk debt buyer. They have purchased the alleged debt and will not show proof that they have a contract, proving security interest or claim to this alleged debt. Additionally, they have stated in the closed prior complaint, previously mentioned # XXXX that they were assigned this alleged debt. LVNV has provided hundreds of pages of the same alleged loan documents, which can not be proved to originals. 
I have asked on numerous occasions that LVNV provide the : - contract that assigned them this alleged debt stating I would pay LVNV Funding for this alleged debt, with my original wet ink signature -The original promissory not, which has yet to be produces for authenticity. 
-Proof of consideration from XXXX XXXX XXXX XXXX XXXX that I was loaned the alleged loan amount pursuant to 12 usc 1431- banks duties are to borrow. 
-Signed contract between LVNV Funding giving them permissible purpose to furnish my private information to a XXXX party affiliate in which I have no contract with. 

I don't owe this debt not do I know who this company is attempting to extort me to pay this alleged loan amount. I demand a affidavit from someone from LVNV Funding and it's affiliates stating they have first hand knowledge of the consideration given by LVNV Funding to state a claim or first hand knowledge from XXXX XXXX and XXXX Funding that they gave consideration and performed under for the alleged loan amount. 
Please review their attempt for establishing a right to claim an interest.