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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.
Product: Debt collection

XXXX XXXX  failed to give a written statement as to what the charges are for in the amount of {$8800.00}. I was released from my lease due to a XXXX XXXX situation I I was no longer safe with my children on the property. I was in agreement with the manager on property after a 3 way call with a judge as I received notice for eviction. I agreed to surrender the unit to avoid fees as well as an eviction. The amount owed has tremendously affected myself and children in getting a home or place to at this difficult time has paced a tremendous hardship and will leave us homeless.
Product: Payday loan, title loan, or personal loan

I purchased a Solar Panel / Battery Back up System ( System ) from XXXX XXXX XXXX which was financed through Sunlight Financial. Sunlight Financial sold the financing to XXXX. The System did not work and it was determined by 9 State Attorney Generals that the marketing, selling, and installation of the System was fraudulently done by XXXX XXXX XXXX. The 9 AGs sent a letter to XXXX XXXX XXXX and Sunlight Financial that they should not collect any money til this was resolved and the systems either fixed, removed or the money refunded. 

In the meantime, XXXX XXXX XXXX went bankrupt. I stopped payment on the system based on the system not working and the letter from the Attorney XXXX and XXXX XXXX XXXX not completing their work to make the system functional. XXXX placed a lien on my home. I went to court and the court agreed that the XXXX is not part of the house but is XXXX XXXX ; therefore the XXXX on the house should be essentially null and void ; however, XXXX won't remove the lien. 

XXXX then trespassed onto my property and had a lock installed on the System which rendered System useless ; no electricity was generated from the Solar Panels and the XXXX Back up did not store the energy for use if the power went out. This also cut all power to XXXX circuits which were identified as " critical circuits '' including the XXXX XXXX and the Refrigerator. Thus the XXXX XXXX and my refrigerator stopped working immediately. As a direct result of this action by XXXX, my basement ended up with over XXXX ' of water and over {$110000.00} in damage to my home. 

All the while XXXX claims that I still owe them {$50000.00} for the XXXX that doesn't work. I engaged an attorney and have asked XXXX to come get the XXXX. They refuse and won't address the critical issues such as the damage their actions directly caused. I am giving them one last opportunity to resolve this before filing a lawsuit against them to collect the money from the damages they caused. I am planning on getting the XXXX XXXX involved in this litigation, too, if XXXX doesn't come to their senses. I've contacted the original XXXX XXXX, Sunlight Financial, and they ignore my concerns. Several calls have given the standard answer of " we're looking into it and have received your complaint. '' But nothing ever moves forward. Both XXXX  and XXXX XXXX say that both companies are familiar with each other and the complaint I filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX that was fraudulent there is 3 credit cards one from XXXX one from XXXX XXXX and one from XXXX XXXX XXXX that should not be there. There is an auto loan with XXXX XXXX and another company that should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of two accounts that appeared on my credit report from Commonwealth Financial Systems. In my letter I specifically requested VALIDATION. In response they sent me two separate supposedly itemized statements in which looked liked something they created. There was no documentation provided that actually verified that I visited and received services from the alleged medical provider.It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations.
Product: Credit card or prepaid card

I contacted Kohls Corporate and spoke to Manager XXXX about my issue with the two interest rates charges on my bill, he replied XXXX gave them the ok to do it. I was not satisfied at all with his service. I then called our Governors office and was advised to file a complaint. Since XX/XX/2019 Kohls credit card has been charging credit card customers a Protected Balance interestand Interest on purchased items. These charges total to 51.39 % interest within a 30 day billing cycle.

I reviewed CARD ACT2009, Obama passed, Kohls needs to reimburse EVERYONES ACCOUNTS, this is what I want to happen for my resolution of my complaint. If the APR has gone up a few percent each year thats understandable, but two interest rates within a 30 day billing cycle is against the Law!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I feel there's some unfair business going on with all three credit bureaus. I have being fighting for an investigation of my entire credit report for over 8 months now without a resolution. Only a decrease in my credit score about 5 times with 14 accounts in good standing. This is unfair and I am seeking a through investigation. Something isn't right ... .The calculations are wrong and unfair. This situation is causing major distress in my life, delays, and depression. The fact that my voice isn't being heard is even more mind babbling. I've contact all three bureaus and all they want to do is argue with you and refuse to help you even if you're stressing your rights by the fair credit acts. They do not care and it's unfair. I reached out to a credit specialist and they explained to me that I have 14 accounts in good standing and 5 accounts that's closed and reporting old information. The bureaus will not delete these accounts nor give me credit for the 14 current accounts in good standing, so my score stayed in the 500 's. I would like an investigation please.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear XXXX, I am writing to dispute inaccurate information on my credit report. The account in question is listed as : Account Name : ONEMAIN Account Number : XXXX Balance : {$3000.00} Status : Charged off I believe this information is inaccurate because the debt is not mines. I am requesting that you investigate this matter and remove or correct the inaccurate information on my credit report. 

Please investigate this matter and update my credit report accordingly. I would appreciate a written response regarding the results of your investigation. 

Thank you for your attention to this matter. If you need any further information, feel free to contact me at XXXX XXXX or XXXX Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : None ( Original Creditor : XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account
Product: Debt collection

I'm unfamiliar with this debt, I tried to discuss it with Convergant Outsourcing and got nowhere. I never received any sort of notice of debt. When looking at XXXX XXXX this account doesn't even show up. I only found out about it when I was looking for a mortgage loan and the lender pulled a credit report then notified me. I talked to Convergant earlier today, XX/XX/XXXX, and we weren't able to reach a conclusion. I was able to get a date of the initial start of this report of XXXX I forget what month.
Product: Debt collection

This popped up on my credit info and I dont know who they are. I tried calling and got a generic rep that didnt help. I dont know if they were new. I told them I needed a written validation letter of who they are, who the bill is owed to with my signature acknowledging everything and have yet to get anything. Its been at least 3 months since last communication.
Product: Vehicle loan or lease

Flagship Credit AcceptanceXXXX XXXX falsely advertised a vehicle online at $ XXXX, but the paperwork stated $ XXXX including a cash down payment. After reviewing my documents and studying the laws, I was misled into purchasing the car at a higher price than the one advertised. After discovering the discrepancy and falsified purchase agreement through signatures not of my own handwriting and accepting insurance not in agreement/requirement to even purchase the vehicle they just in fact wanted a sale, I attempted to rescind the contract and ask for the down payment of {$1500.00} to be refunded in XX/XX/XXXX due to deceptive practices. However, Flagship Credit AcceptanceXXXX XXXX refused to acknowledge my rescission request. 

On XX/XX/XXXX, they repossessed my vehicle without notice, violating my rights. Those rights are as follows : 1. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601, 12 CFR 1026.19 ( e ) ( 2 ) - Failed to disclose credit terms accurately ( e.g., APR, finance charges ) - Failed to provide clear and conspicuous disclosures- Requested and accepted a down payment 2. Federal Trade Commission ( FTC ) Act - 15 U.S.C. 45 - Engaged in deceptive advertising ( false price ) - Failed to substantiate claims 3. Federal Trade Commission ( FTC ) Guidelines - 16 CFR 254 - Made false or misleading representations in advertising 4. Texas Deceptive Trade Practices-Consumer Protection Act - Tex. Bus. & Com. Code Ann. 17 et seq. 
- Engaged in false or misleading representations- Failed to disclose material facts 5. UCC 9-609 - Failure to provide pre-repossession notice - Failed to provide written notice of default and opportunity to cure 6. UCC 9-610 - Unauthorized repossession - Repossessed vehicle without borrower 's consent or court order 7. UCC 9-611 - Failure to provide post-repossession notice - Failed to provide written notice of repossession and sale 8. UCC 9-613- Disposition of collateral without notice - Sold or disposed of vehicle without notice to borrower. 
9. 12 CFR 1026.17 - Failure to disclose credit terms- Failed to disclose credit terms, including APR and finance charges 10. 12 CFR 1026.18 - Failure to provide rescission notice - Failed to provide notice of right to rescind 11. Federal Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 - Engaged in harassment and false representations- Failed to provide validation of debt 12. Texas Finance Code - Tex. Fin. Code Ann. 392 et seq. 
- Engaged in unfair or deceptive practices in consumer transactions- Failed to disclose material facts
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has some inquiries and information on my report that they have not investigated even though i have reported these to their fraud department. No resolution has been provided. There is a XXXX XXXX  bank account on my Credit report. This account is showing late incorrectly. I have been a victim of Identity theft. I want this account deleted and blocked from my credit file. Additionally there is inquires that i have reported to you that you have not removed. I am attaching an AFFIDAVIT once again. Please remove XXXX Inquire, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. These are all inquiries i did not submit and i want these deleted / blocked immediately. Also i want the XXXX XXXX blocked, The two XXXX / XXXX XXXX Cards blocked which show as lost / stolen i did not open these cards and they are fraudulently reporting on my credit file. I will attach the FTC Affidavits below.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I discovered a late payment on my XXXX XXXX account with the number XXXX. 

I have a flawless record of making timely payments and demand an immediate investigation regarding the accuracy of these reported late payments. 

I expect to receive documented proof of these alleged late payments. If no concrete evidence is provided, I assertively demand that my report be corrected promptly. 

Thank you for your attention to this urgent matter.
Product: Mortgage

I sent request for information, for XXXX and XXXX XXXX mortgage statements, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/XXXX. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have CONTACTED THE CREDIT BUREAU on multiple occasions regarding discrepancies on my account and they failed to comply with my demands, I am contacting you CFPB because pursuant to 15 USC 1681n ( b ) ( 2 ) I am a consumer and natural person and Experian, XXXX and XXXX owes me {$1000.00} per violation, for willful non compliance.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against CarMax Auto Finance Breach of Settlement & Fair Credit Reporting Act Violations To Whom It May Concern, I am submitting this complaint against CarMax Auto Finance for breach of settlement agreement, failure to remove inaccurate information from my credit report, and violations of the Fair Credit Reporting Act ( FCRA ). 
Background of My Complaint : * I entered into a legal settlement with CarMax, through my attorney, in which they agreed in writing to remove a charge-off from my credit report. 
* As part of this settlement, CarMax paid me a settlement amount, confirming their acceptance of the agreement. 
* Despite their legal obligation, CarMax has not removed the charge-off, which continues to damage my credit and financial standing.

CarMaxs False Claims & CFPBs Prior Investigation : * I previously submitted a complaint to the CFPB regarding this matter. 
* CarMax falsely responded that they had no obligation to remove the charge-off, despite the written settlement agreement. 
* This response is misleading and an attempt to avoid accountability. 
Laws CarMax Is Violating : 1. Breach of Contract CarMax agreed to remove the negative reporting in a legal agreement but failed to do so.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * CarMax is knowingly reporting false and inaccurate information by keeping a charge-off on my credit report after settling the account.

* This violates their duty to report accurate information to credit bureaus.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) * After I disputed this with the credit bureaus, CarMax failed to properly investigate and correct the inaccurate reporting, violating federal law.

Request for Immediate Action : I request that the CFPB take the following steps : 1. Investigate CarMax for FCRA violations and breach of contract.

2. Require CarMax to immediately request the removal of the charge-off from all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX 
XXXX. Impose penalties on CarMax for their refusal to comply with their legal obligations.

I am prepared to pursue legal action in small claims court for damages caused by CarMaxs non-compliance. Please confirm receipt of this complaint and the next steps in your investigation.
Product: Checking or savings account

This is re : case XXXX. I sent you a complaint ( XXXX ) on XX/XX/XXXX. If you look back at that you will see what occurred. I have been with Bank of America for 34 years. On XX/XX/XXXX, I attempted to make a withdrawal of {$400.00} from an ATM in XXXX, CT. The machine, which I had used numerous times previously came up with a message on the screen that the transaction could not be completed at that time XXXX not exact words ). It was not due to an overdrawn account. I asked inside the bank and they said they would look into it. A couple of weeks later, I saw on my online banking that {$400.00} had been debited from my account on that day. Also, they charged me for 4 overdrafts amounting to {$140.00}. I made numerous claims. All were denied. I then wrote to the State of CT, Dept. of Banking who forwarded the information to you. I was contacted by 2 employees eventually, Mr. XXXX and XXXX XXXX. They were supposed to contact me on XXXX XXXX between XXXX-XXXX. When they didn't I left a message on their voice mail and wrote to you. I was finally contacted by Mr. XXXX after I left my message and wrote to you. They, of course, denied me again and very importantly refused to show me the proof they said they have. They keep saying I need a subpoena, but in CT that is only required if it is a court case. If they really think they are right, they should want me to see the proof. But they can't have proof because I never got the {$400.00} that day. I walked out of there with my ATM card. I have called the Judicial Dept. and I can't get a subpoena without an attorney. I can not afford that since I am on XXXX and get very little from Social Security. They have told me that I only need a subpoena of any kind if it is a court case. You would think after 34 years they would want to show me some consideration. Mr. XXXX was not very business-like when I last spoke to him. He continually spoke over me. I would appreciate any help you can give me. Thank you.
Product: Credit card or prepaid card

I have been unable to access my account for months. I have called and been told I will get a call from a supervisor, this never happens. I am unable to make any payments or access my account at all and have been unable to for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, my name is XXXX XXXX. this is my XXXX time filing a complaint against this company for failing to abide by the FCRA laws this is my last time attempting to allow them to make things right outside of a courtroom. if this company fails to comply I will have no other choice but to seek legal action. because of the things that this company is reporting it has made it extremely hard for me to get my life together. I have struggled to find a place to stay and provide for my XXXX kids. I have attached screenshots of my previous complaints which one was closed because the company said it was an unauthorized 3rd party at this point I feel I am being taken advantage of and I feel they are using stall tactics to not follow the proper procedures required by FCRA laws. I am asking for the last time that please remove all these unauthorized items from my consumer report.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just received a copy of my credit report and I saw those inaccurate fraud accounts that shall delete from my credit report. 

I spoke to the fraud team and the manager told me that those 3 XXXX  STUDENT LOANS SHALL DELETE AND HAS BEEN FLAGGED AS FRAUD BY XXXX.
Product: Mortgage

I contacted my current mortgage company, Mr. Cooper, to refinance my home loan. The mortgage broker stopped responding to me. So I decided to look for another company, XXXX XXXX. XXXX  requested a closing cost statement and was ONLY given the option for an expedited one. They were given no other options. With the expedited closing statement, Mr. Cooper then charged me a {$25.00} fee, even though no other options were given. XXXX  again had to request another document and again Mr. Cooper charged another {$25.00} fee. I reached out to them and they stated it could not be waived or refunded. But fraud was committed as XXXX did NOT request it to be expedited, nor were they given any other option to get the statement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the failure to remove a fraudulent accounts from my credit report. The bank and other bureaus have acknowledged and rectified the issue, yet it persists on your report. This not only violates compliance with the law but also harms my credit integrity. Please remove these immediately. 

XX/XX/XXXX 

XXXX and Equifax have already removed these accounts from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete these from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully request that you promptly investigate this matter and take the necessary steps to remove the remaining fraudulent accounts from my credit report. Failure to do so not only perpetuates an injustice against me but also exposes your bureau to potential legal repercussions for non-compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX