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

On XX/XX/XXXX I sent an affidavit of Truth and right to recission simply informing that I am not terminating or canceling the contract but deducting my liability to pay on behalf of the obligor due to several violations that were discovered in said contract. On XX/XX/XXXX I sent the " request for verification for financial records '' on XX/XX/XXXX I sent the " request for verification for financial records '' and on XX/XX/XXXX I sent the " proof of claims '' and the " revoking of power of attorney. '' XXXX XXXX doing business as Bridge crest acceptance corporation failed to respond by verifying the debt and instead requested that correspondence stop being sent to them. Sometime on or after XX/XX/XXXX the car was recovered by a 3rd party that is unknown due to identity theft. I am led to believe that bridge crest provided my personal property information to a company to recover the vehicle on their behalf. Bridgecrest demanded that I pay them in US currency and in return the question that was asked is what is US currency? According to 15 USC 1605 a finacne charge does not include charges of any type payable in cash. 15 USC 1602 states that the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Credit was extended via my signature on the contract ( promissory note ) and the vehicle has already been paid for. Being as though the vehicle is already paid for the puporse of the letters being sent to bridgecrest were to clear matters up. XXXX XXXX doing business as Bridgecrest acceptance corporation failed to respond correctly. According to the constitution I have the right to travel in my personal vehicle which was paid for via the promissory note. 

" Where rights secured by the Constitution are involved, there can be no rule making or legislation which would abrogate them. '' Miranda v Arizona 384 US 436, 86 S. Ct. 1602 " The claim and exercise of a constitutional Right can not be converted into a crime. '' Miller v U.S. 230 F. 486 " There can be no sanction or penalty imposed upon one because of this exercise of constitutional Rights. '' Sherar v Cullen 481 F. 946 According to 15 USC 6802 third party repossessions are unlawful.

" Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. '' It was requested for Bridge crest to send the original contract with two wet ink signatures, and they failed to do so. 

Attached letters were the most recent letters notarized and sent to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Mortgage

On XX/XX/2019 I closed on a cash out refinance with Quicken Loans. Out of the cash out refinance proceeds an IRS lien was to be paid ( {$48.00} XXXX ). The IRS provided clear instructions on how to mark the check and make successful payments in accordance with their provisions ( attached. I was assured that the payment would be sent. The turnaround time would be about 5 weeks. 

On XX/XX/2019 I contacted the IRS to learn whether the IRS had received the payment. XXXX tracking revealed that the payoff check had been received on XX/XX/2019 at XXXX. 

On XX/XX/2019 I contacted Quicken Loans to find out whether the IRS payoff check was deposited ; it was not. I was told that they would void the check and reissue. Thereafter, I asked whether my taxpayer ID ( social security number ) was included on the check or the payoff letter ; it was not, as required by the IRS. 

On XX/XX/2019 Quicken Loans advised me that they would not void the check because the IRS charges a fine for processing a check that is later dishonored. Quicken advised that any fee for stopping payment and correctly reissuing the check would be passed on to me. However, I relied on Quicken to correctly follow the instructions of the IRS. I offered to take the check into the local IRS branch, and was again told I would bear the responsibility of the penalty if they were to issue one on a stop payment. 
( continued on additional page ) I again reached out to Quicken Loans who pointed to the disbursement disclosure as a defense to what appears to be incompetent handling of the payout to the IRS. However, nowhere in the agreement does it say that Quicken Loans, or any of its agents can send payoffs, not following instructions, and leave me liable for any potential fees or penalties as a result of their not following the proper instructions. 

Thus far all indications are that Quicken, and its agents are giving the runaround, where there needs to be resolution. 

I authorize you to speak to my XXXX, XXXX XXXX, who can also be reached by calling my number. He helped me with all of the paperwork concerning this loan. I very much would like your assistance in helping me usher a resolution. Thus far, it seems like Quicken is shrugging its shoulders. 


Sincerely, XXXX XXXX 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 u.s.c 1681. These are the 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 15 u.s.c 1681/ section 602 A States I have the right to privacy 15 u.s.c 1681section 604 A section 2 also States a constant reporting agency can not a account without my written instructions 15 u.s.c1681/c ( a ) ( 5 ) section startes ; no consumer redorting agency may make any consumer report containing any of the following items of information any other than records of conviction of crimes which antedated the report by more than 7 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 cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

I want to withdraw my funds from my Venmo account. I withdrew from a crypto site, and it was my personal funds that I invested in a application named XXXX. Ive waited over XXXX  days. I understand I was supposed to wait XXXX, but these funds are not fraudulent, they are from my grandparents as a way to pay for our roofing a few months ago. Please help me, theyve been stuck there for a while and Ive been waiting forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 15 USC 1681e ( b ) Accuracy of report, 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 

In addition to 15 USC 1681e ( b ) according to 15 USC 1681s-2 ( a ), 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

Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX  XXXX XXXX XX/XX/year> {$480.00} XXXX  XXXX XX/XX/year> {$5200.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Mortgage

Goldencreditscore.com and realtystore.com are both fraud companies. Seem to be playing with customer 's money!!! I was looking for rent to own properties and got a call from this website. They said if i pay {$1.00} they will send me details of few properties as per the details i gave. After paying this amount they vanish and start charging your card {$49.00} and {$49.00} from XXXX different website accounts. As soon as you notice and complain they dont try to justify but just cancel the service. THEY SEEM TO BE RUNNING BUSINESS BASED ON THE FACT THAT LOT OF PEOPLE DONT NOTICE AND ON THE FACT THAT THEY ALWAYS HAVE LOT OF MONEY OF CUSTOMERS IN FLOAT WHICH THEY CAN USE!!! PLEASE SHUT DOWN SUCH FRAUD COMPANIES & gt ; Golden Scores , LLC XXXX TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 in my divorce paper the loan for a Motor home with Huntington NTL Bank {$27000.00} was suppose to be removed from my name and my ex husband was suppose to take care of that. He has not removed my name so it's still showing up on my credit report and I can't get a loan.
Product: Mortgage

my mortgage was schedule to pay via bill pay from bank, received package from mortgagor asking to submit ACH, went online and submitted all ACH information, payment was supposed to start after XX/XX/XXXX payment, but XX/XX/XXXX payment was drafted despite bill pay was delivered & posted, contacted lender that this has happened ( lender do not have curtsy to notify their error ), they want to send complete bank statement and wait for 8 business days, they said there will be no payment will be due & drafted for the month of XX/XX/XXXX, loan statement received also states the same thing BUT surprisingly XX/XX/XXXX payment also drafted! so they have been recovering payment in advance for almost 60 days! Called the lender again XX/XX/XXXX employees were so arrogant and blunt and would not process the request and would not answer any question and keep arguing, asked for Supervisor - same response, asked for supervisor`s supervisor and explained the problem that lender has created, as they are charging me interest they should pay me interest for their error & refund me extra payment immediately that is the resolution I request. Improve their process to avoid duplicate payment and train their staff to response & handle such situation more professional manner. 
Employee # XXXX- not helpful, Employee # XXXX not helpful. Employee # XXXX helpful obtain info and assured work on request but no resolution.
Product: Credit card

There was a fraudulent charge made to my card in XX/XX/2024 for {$3000.00}. I have called the bank multiple times with details of everything that happened, and their denial for the claim is not substantive. This is the third time now they have denied the claim, and are ignoring key pieces of information to validate the claim. I will not be paying any amount of the credit card due to their negligence in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I submitted a request to Experian, to investigate errors that appeared on our report with their organization. They were supposed to respond within 30 days. My husband has received his investigation requests, but I have yet to receive mine. We do not understand why they completed his investigation in a timely manner, yet mine is still undone.
Product: Credit card or prepaid card

The issue is causing me significant XXXX  and XXXX, to XXXXe point where I'm having trouble sleeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy when I see these inaccurate items still in there I feel like I'm being taken advantage of for being ignored by my disputes.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPBn has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective ac tion to remove or amend the disputed accounts as XXXX inaction violates federal law and my rights as a consumer.
Product: Student loan

I have federal loans that date back 20 years and I've worked in public service for the federal government for the last 20 years. My employment consists of 6 years active-duty XXXX XXXX XXXX and XXXX 9 years 10 months working for US Department of Transportation XXXX The Public Student Loan Forgiveness ( PSLF ) program and Temporary Expanded PSLF ( TEPSLF ) forgive federal student loans for individuals that have worked in public services for 10 years or more. I have worked for the federal Government for more than 15 years. I submitted the PSLF Application more than 10 times over the last 7 years. Earlier this year XXXX began to process my XXXX XXXX and qualified/certified XXXX of my eligible payments. For some reason they stopped and did not count the additional XXXX payments that qualify under PSLF And TEPSLF. Once again, my servicer has changed. The new servicer MOHELA has not responded to my email or phone calls. I have not been able to get ahold of anyone at MOHELA to discuss my situation and to get may TEPSLF reviewed and payments recounted. To clarify when I call MOHELA I am put on hold for more than an hour and then they terminate the call while I am on hold waiting to talk to someone. I have not yet been able to speak with anyone at MOHELA and I am concerned that while I continue trying reach out to someone about this matter, I will miss out on XXXX which expires XX/XX/XXXX. 
Attempted phone calls XX/XX/2022 & XX/XX/2022. Hours on hold 3+.
Product: Debt collection

HR and our Operations Manager received a call from Credit Corp Solutions concerning myself. It looks poor on my company performance when they call Managers at the top level of our site and leave messages for myself. I thought collection agencies were not supposed to call others at your work ( especially not those 2 or more levels above me ). I do not have any loan with Credit Corp Solutions. As I do not have credit cards or loans ( except one just opened to refinance my car loan with my bank ), I can only assume that they may be calling about Medical bills. We are paying on our medical bills, but not at the amount the hospital wants.
Product: Credit reporting or other personal consumer reports

I have consistently reached out to TransUnion in an attempt to have my bank statements reviewed for the payment month in question. XXXX and XXXX have both received the same set of documents that I sent to TransUnion, and they have promptly updated my payment history from 99 % to 100 %. 

I've made multiple calls to TransUnion, requesting that they review my bank statement, which clearly shows two crucial payment entries : one on XX/XX/XXXX ( as evidenced on page 2 ) and another on XX/XX/XXXX ( as indicated on page 5 ). This places the XXXX payment well within the 30-day window. I even had a conversation with a TransUnion representative during which we meticulously went through the statement, page by page, but to my frustration, no update was made. The representative informed me that it might take up to 30 days to see any changes, but despite the considerable wait, I haven't received any notifications of an update. 

To add to my frustration, TransUnion has blocked me from uploading new documents via their website. Every time I attempt to do so, I receive a message instructing me to call in. However, when I follow this instruction and make the call, I'm persistently transferred from one representative to another without any resolution. 

Once again, I am attaching my bank statement and the payment history from XXXX XXXX, which unequivocally demonstrates that my XX/XX/2022 payment was made on time. Despite providing this concrete evidence, TransUnion has continued to refuse to update my payment history to reflect 100 %. This situation has become incredibly exasperating as, despite my proof, I seem unable to receive assistance. 

Regrettably, it appears that the only means of getting their attention is by submitting multiple complaints through the Consumer Financial Protection Bureau ( CFPB ). I am prepared to upload the documents once more, this time with the payment entries from my XXXX XXXX account highlighted. I kindly request that you address and resolve this matter promptly.