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

I have leased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX ( the Dealership ), in XXXX, OH. At the time of signing the contract, the XXXX gave me a copy of the it without signatures, and with some white parts he would take care of filling out. In XX/XX/XXXX I have got in an accident, and trying to figure out what were my rights, I asked Honda Financial Services ( the Lessor ), which is the lessor used by the Dealership, a copy of the contract. With my surprise, they had a copy of the contract in which, other than my signatures ( which happened right after they gave me the copy at the time of getting the car ), the white parts were filled out with false data, and signed by the XXXX. In detail, the XXXX added a " verified '' comprehensive insurance coverage for the car from a XXXX policy from XXXX. It is interesting that either XXXX doesn't have a XXXX policy ( all XXXX 's XXXX are XXXX ) or I ever was insured with XXXX ( I did XXXX and still do - have XXXX for my car at the time of the lease ). I can clearly remember the XXXX at the XXXX never asked me for the policy number to add to the contract, and my policy number was not even close to the number they added to the contract. This is a clear violation of the contract, that prevented me to have my car fixed after the accident. It is important to notice that since then, I can not drive the car, but I am still paying for my lease every month. When I got in touch with the Lessor, they said it is Dealership 's responsibility. I then got in touch with the Dealership, they said they don't know how this could happen and they would investigate on that. But more than 6 months passed since then, and still waiting ( and paying for a car I ca n't drive ).
Product: Mortgage

Previous complaints : # XXXX and XXXX 1. Statement dated XX/XX/XXXX indicated {$5000.00} due for payments XX/XX/XXXX thru XX/XX/XXXX. False info : XXXX payments were posted XXXX XXXX and XXXX XXXX ; XXXX payment was posted XXXX XXXX and XXXX payment was posted XXXX XXXX. 

2. Mortgage payments for XXXX and XX/XX/XXXX were returned XXXX XX/XX/XXXX. 
Reason Given : " The payments are not sufficient to full reinstate the account ''. 

3. Received letter dated XXXX XX/XX/XXXX from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, RE : Nonjudicial Foreclosure ( File # XXXX ) ( XXXX ) XXXX XXXX. Violation of Privacy Act : Received a letter, mortgage payment history, and banking information for another customer : XXXX XXXX, Acct # XXXX dated XXXX XX/XX/XXXX.
Product: Credit card

XX/XX/XXXX To whom it may concern : In XX/XX/XXXX, I entered into a contract with XXXX XXXX to install a new furnace and air conditioning unit. As arranged by XXXX, the work was financed by XXXX, via a VISA credit card, [ Account # XXXX - Amount : {$6300.00}, ( see copy included ) ]. 
Approximately one year later and after more than {$2000.00} in payments, I received a notice on the back page of my monthly coupon/statement ( which I did n't notice ) that the VISA feature was being suspended and transferred to a new non-bankcard credit line ( see copy included ) ; to use only for home repairs and only with XXXX specified vendor - XXXX, account # XXXX ( see copy included ). This seemed like a bait and switch deal to me. Needless to say, I was not happy. 
I eventually decided to transfer the balance of the XXXX XXXX card to a legitimate bankcard ( VISA, MC, etc. ), preferably with friendlier terms. I chose a Chase Bank credit card ( per XXXX XXXX ) and applied for the transfer. When my approval was announced it was only for half of the amount requested [ VISA account # XXXX, ( see copy included ) ] and I was informed no changes could be made until after I received my card and paperwork. 
Once I received the card and called Chase Bank, an attempt was made to transfer the remaining balance from the original XXXX XXXX account. I was immediately rejected ( less than 10 seconds ) and I had to suffer another ping on my credit score for the additional credit inquiry ; with no results, despite the representative 's guarded optimism and the short span between inquiries. 
Now I 'm stuck with XXXX credit cards ( each with substantial balances ) and a compromised credit score that I will have to compromise more in order to get the total balance transferred from XXXX XXXX. 
Ideally, I wanted this not to have happened, so I would n't have to pay the price I 'm paying now to fix it ; but my desired resolution would include : -- Complete transfer of the XXXX XXXX balance to one bankcard ( VISA, MC, etc. - preferably the new Chase card I presently have ), with equal or better terms as that Chase card, at no cost to me or my credit score. I no longer wish to do business with XXXX XXXX. 
-- If that option is not possible, I 'd like the remaining balance on my XXXX XXXX card to be converted or transferred to a bankcard ( VISA, MC, etc. ), with agreeable terms and at no cost to me or my credit score. 
Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached exhibits regarding Equifax Information Services LLC. 

In XX/XX/2018, I suffered a credit file breach that resulted in numerous fraudulent credit applications in my name and using my personal information. The fraudulent applications were reported by the 3 major credit reporting agencies ; XXXX, Equifax and XXXX.

These fraudulent inquires were eventually corrected and deleted by the 3 reporting agencies, except one item by Equifax, that has NOT deleted the fraudulent inquiry. 

My letter and subsequent exhibits are spelled out in the attached PDF file
Product: Debt collection

Debt collector Convergent sends bills for payment. {$2800.00} or will accept half. Calls on my phone about everyday to try and collect. Has been told by myself numerous times that this was discharged through bankruptcy but continues to call and send an invoice for payment.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand to TransUnion for the immediate removal of the inaccurate and fraudulent XXXX XXXX account, Account No : XXXX, from my TransUnion credit report. The account is being reported inaccurately with late payments for XXXX 2024 and XXXX  2024, which violates FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ). This section clearly states that a consumer report does not include any report containing information solely regarding payment history or utilization between the individual and the company making the report. Therefore, the reporting of these late payments is not only unlawful but constitutes a direct violation of federal law.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand that TransUnion block this fraudulent information within 4 business days as required by law. The reporting of this account and its associated derogatory remarks is both fraudulent and harmful to my credit.

Under FCRA 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. The information being reported by TransUnion is inaccurate and unverifiable, violating FCRA 1681i ( a ) ( 1 ) ( A ), which mandates that inaccurate or unverifiable information must be corrected or deleted within 30 days. Given the seriousness of this issue, I demand the immediate removal of this account within 14 days of receiving this letter.

Noncompliance with this request will be considered a willful violation of FCRA 1681n, entitling me to statutory and punitive damages. If this issue is not resolved promptly, I will escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 

Please provide written confirmation that this account and its associated derogatory remarks have been permanently removed from my TransUnion credit report within 14 days of receipt of this letter. 

These letters are now clear about which bureau they are directed to ( XXXX or TransUnion ) and are stronger in tone. When sent to the CFPB, they will clearly indicate which letter corresponds to which bureau. 

Please remove the inaccurate late payments for XXXX and XX/XX/year> for account XXXX from my credit report & stop reporting account XXXX to my Transunion credit report. Reporting this violates FCRA 1681a ( 2 ) ( A ) ( i ). I demand immediate correction.
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 name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 card or prepaid card

I was XXXX XXXX XXXX and XXXX from late XXXX to XX/XX/XXXX. During this time one of my AMEX accounts that was not on autopay fell behind. When Amex called after being a few days late I explained what was happening. They did not give me an option to enroll in any relief. As my condition worsened they continued to call 10 times daily and my wife answered and also tried to explain but since i was not able to speak to verify due to XXXX XXXX XXXX. My wife also emailed them and attempted to complete online. In XXXX after my health improved after recovering from XXXX i contacted AMEX. They did remove some late fees but refused to remove negative impact on my credit report and also lowered my credit line both of which caused my score to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to equifax for XXXX. THis account has a a XXXX balance for 1 year and it still shows XXXX balance. 

Equifax came back and updated the account to 120 days late. How can a account that has a XXXX balance be 120 days late as of XXXX 2017. 

I have attaced XXXX credit reports showing this acconut has maintained a XXXX balance and it needs to be corrected showing current and removal of 120 days attached is current and previous credit reports showing XXXX balance
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have disputed inaccurate account information for XX/XX/year> and XX/XX/year> to no avail with the consumer reporting agency Equifax. The CRA holds multiple incomplete accounts. These accounts were disputed but was left unresolved. According to the FCRA, incomplete accounts must either be updated to make the account complete or deleted because incomplete accounts are unverifiable. I am making another attempt to dispute these accounts, but this time I want to make sure the Equifax is compliant with the proper procedures required according to federal law. CRAs are to ensure maximum possible accuracy of credit reports. CRAs also have a bad habit of " parroting '' information to the creditors and rely on their responses rather than conduct their own reasonable reinvestigations. That is in fact one-sided and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy the new XXXX XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX and I saw an option with XXXX financing and I checked that and assumed it 's like other financing stuff like cars or monthly plans from XXXX and so on. It did n't state really clear it was a actuall credit card until I finsihed the application. I also checked with some XXXX of XXXX and they did n't even knkw this is a credit card. And it 's from Synchrony Bank and they did n't talk about it is a credit card that I was applied for during my checking out. Apparantly I did n't want to apply for a new card and this is only can be used on XXXX XXXX. I see this as fraud and waste my inquiry on my credit report. Since this is an unaware application for credit card. I already colsed the account on the same day as I knew it was a credit card. I hope to remove the hard inquiry from my credit report.
Product: Credit card or prepaid card

It has come to my attention that my credit card account with Navy Federal is not being properly credited to my person I am aware that there has been credits issued to me, but have not been properly reflected, issued or disclosed to me through permissible means to resolve this dispute I demanded navy federal provide me with the full original, and unaltered documentation that specifies credits, tax liabilities, discharges of debt, bond, and or securities as they are applicable to my account. Navy Federal has ignored my attempts to rectify this billing error. I have sent letters through certified mail and receipt which they have received but they have not responded to them nor has anyone from Navy Federal reached out to me to solve this billing error dispute. Currently, this billing error is still in process and unresolved. They are still collecting payment on this account and refuse to contact me so we can resolve this matter, I have invoked my specified remedy, a full reimbursement on this account through certified funds via check sent to my address on fuel, which has gone unheard. Navy. Federal is purposely ignoring my federal billing, error dispute and purposely violating my consumer protected rights. There is also evidence of a finance charge on this account, which has not been properly disclosed to me nor applied to this account. A finance charge pursuant 12 CFR 1026.1 under truth in lending is the sum total of all charges, meaning that this credit account, which is an open, ended credit account, and can not be treated as late is fully funded every month yet I am not receiving those credits on my account.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( XXXX ) and Adams v. National Engineering Service Corp. ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
XXXXXXXX XXXX XXXXXXXX Open options Account # XXXX XXXX  Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed XXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : CollectionOrChargeOff Account Rating : CollectionOrChargeOff Creditor Type : Finance Account Status : Closed XXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX, MN XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : XXXXankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed XXXX XXXX XXXX XXXX XXXX custom Message Type : XXXX Status : Discharged Reference # : XXXX Asset Amount : Date Filed/Reported : XXXX Closing Date : Liability : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Add a custom Message Type : XXXX Status : Discharged Reference # : XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX XXXX options Account # XXXX XXXX Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Finance Account Status : Closed XXXXXXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to request your assistance in resolving an issue involving Comerica Bank and XXXX. I was recently informed by my lawyer that I am listed in XXXX for alleged fraud with Comerica Bank, including claims that I owe them money.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is my fourth complaint, in this same matter : Received today, my first and only notice from the County of XXXX Recorder, that a Notice of Default has been recorded against my property, document # XXXX dated XX/XX/XXXX. Notice states that filing was done electronically. Document has the signature of XXXX, Assistant Secretary of Quality Loan Service Corp., Trustee. 

Document confirms that the loan date was XX/XX/XXXX. 

As I stated before in a prior complaint, Quality Loan Service in its XX/XX/XXXX Debt Validation Norice letter, stated : '' The current creditor to whom the debt/loan is owed is : XXXX XXXX XXXX, XXXX. ". 

As Instated before in a prior complaint, the XXXX XXXX website states that the owner of my loan is XXXX XXXX. 

Quality Loan Service made a material false statement in its Debt Validation Notice letter. This is serious. XXXX XXXX owns my loan and is my lender. 

As I stated in a prior complaint, California requires for loans made between XX/XX/XXXX and XX/XX/XXXX on XXXX to XXXX Unit Owner Occupied Properties, that the lender as required by Cal. Civ. Ciode sec. 2923.5 ( a ) contact the borrower by phone or in person to assess the borrower 's financial situation and explore options for avoiding foreclosure. 

XXXX XXXX never had a conversation with me. 

Even though XXXX XXXX never had a conversation with me, as required by Statute, the loan servicer XXXX XXXX took it upon itself to have Quality Loan Service file the Notice of Default. 

Furthermore, the copy of the Notice of Default sent to me by the County of XXXX Recorder ( XXXX pages ) does NOT have any declaration by the lender ( XXXX XXXX ) that it contacted me to explore options to avoid foreclosure. This declaration is required by Cal. Civ. Code sec. 2923.5 ( b ). Contact has to be by phone or in person, per Cal. Civ. Code sec. 2923.5 ( a ). 

XXXX XXXX is the owner of my loan, the lender. 

XXXX XXXX is only the servicer. Declaration has to be by the lender, per Statute. A declaration by the loan servicer of contact attempts does NOT comply with the Statute.
Product: Checking or savings account

I bank with Truist. I need to leave a joint account open during a divorce. I have opened a new, individual checking with Truist as well. I was charged a maintenance fee on the joint account and called for guidance. I was told that if I kept a balance of {$500.00} and deposited a minimum of {$1000.00} per month, I would no longer be charged the fee. 

I noticed today that Truist has been removing the fee from my account despite me having met those parameters. I called Truist and learned that it has to be a direct deposit and not a XXXX deposit. 

This appears to be unfair banking practices. I've been reading about steps taken by the government to stop unfair fees. These maintenance fees are crushing every day people like me and it's unfair. I hope you can take action. Truist refused to return my fees. I spoke with a supervisor and the buck stopped there. She refused to transfer me up the chain. I received inadequate information to protect my money and I'm not comfortable it isn't intentional. 

Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following itemsfrom my file. 

XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXBalance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance Owed : {$180.00} ; XXXX XXXX