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

I have talked to regional Acceptance many times during my loan. 
I started paying on my vehicle XXXX XXXX XXXX in XX/XX/XXXX. My loan matured in XX/XX/XXXX. They are still saying I owe XXXX on the loan. I know that I may owe a little but it doesn't make sense to owe XXXX. It is like I never paid anything. 
I feel I am being taken advantage of. I'm not sure if this has happened to anyone else.
Product: Mortgage

I have tried and tried to fix this problem, I have XXXX XXXXXXXX, am XXXX and sls will not help me, I just want a repayment plan that I can afford, sls keeps denying me, I was set on a repayment plan and called to tell sls that my payday was different then what I had originally told sls and asked if I could change the date, well I found out I was in foreclosure, I have begged this company, pleaded with them, and i get no for the answer, in may I was given a modification and in XX/XX/XXXX before I could make the first payment I was admitted to the hospital, where I had an extended stay, I was diagnosed with XXXX XXXX XXXXXXXX, the people I trusted to pay my mortgage, took my money and left the state, so I have been asking for a repayment plan and this company will not help me, I keep trying, I ama us XXXX veteran and I am XXXX, I want to stay in my house to XXXX, but sls is foreclosing on me and putting a XXXX veteran in the streets I have no where to go, I have asked this before and they tell me no, this company is a very very horrible company, they have no compassion, I have tried to make my last 2 payments and was told no because I am in forclosure, I have no where to go, I can make my payments but they want me to sell my house or deed it back, I want to keep my house, I have tried, I guess my next step is to go to media and have them reveal this company for who they are, when I had my modification done, my balance went from XXXXto XXXX, but had to sign papers to keep my house, and they are taking my house away, I will contact media.
Product: Checking or savings account

I have an Axos Bank account with their Axos XXXX  product. I never opened the account, but it was created after a previous bank ( XXXX ) was acquired. When I was attempting to file my taxes on XX/XX/2022, I realized that most of the cost basis information was missing on my 1099-Combined form. This means my tax liability is much higher than it should be. I have had to file an extension and they continue to be extremely unresponsive in resolving this. I sent my first support request through their Customer Portal on XX/XX/2022. During a call on XX/XX/2022, a customer support employee advised that he would send the cost basis information, but the documents he sent did not have the full cost basis information as promised. During a call on XX/XX/2022, I was advised that they did not have all the cost basis information from when they changed clearing houses, but that this was a common issue and they were looking to get that information. Since then, I have been stonewalled in my attempt to get any information or updates on the cost basis information. I have attached all of my messages through their Customer Portal ( Case # XXXX, XXXX, XXXX. I called Axos Bank on XX/XX/2022, XX/XX/2022, and three other subsequent times in XXXX ( one of which I placed myself in their queue but never received a return call ). On one of these calls, I was promised that a supervisor would contact me, which did not happen. I can not file my taxes without this cost basis information, nor can anyone else in my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : Discharged XXXX : Bankruptcy XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I receive, at a minimum, one phone call a day from the phone number XXXX, and when I answer it hangs up. After a quick search, I found out this number belongs to First National Collection Bureau out of Nevada. I do n't owe them anything, and repeated phone calls without anyone on the other end are unnerving and annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went a dealer to get a car and they told me they were only running my credit for one lender which was XXXX. They lied and now I have unauthorized inquiries on my report. Tried to file a dispute through XXXX, XXXX, and Transunion and was unsuccessful. The system would not take the dispute and even when I called them they stated that the inquiries would be removed between 24 -72 hours. Nothing happened. Also In accordance with the Fair Credit Reporting act. The List of companies below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Transunion : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 reporting, credit repair services, or other personal consumer reports

XXXX will not remove a paid collection debt that l had owe from XXXX XXXX., and affillated acceptance co.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter notifying you of improper information appearing in my credit report in violation of FACTA. This letter was sent to you by certified mail, return receipt requested, and was received by you. 
Your failure to respond to my demand for correction of my credit report within 30 days is a violation of FACTA. If I do not receive an appropriate response to my original demand letter within 10 days of the date of this letter, I may, without further notice, report your failure to abide by FACTA to the Federal Trade Commission or take other appropriate action. Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accor- dance with the provisions of FACTA , I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ACCOUNTS : XXXX I also hereby request, in accordance with the provisions of FACTA , that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an infor- mation block has been requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX there was an account opened in my name or inproperly reported by ACIMA XXXX FKA SIMPLE. 

I filed a dispute through XXXX along with Acima and both came back stating the account was correct. 

This is wrong. I have not had my credit ran nor have I every spoken with Acima about any type of loan or lease.
Product: Debt collection

I request that you send me the certified receipt that includes MY NAME and SIGNATURE as evidence of delivery. 
Until this information is provided, I do not acknowledge the debt remove the account from all credit report for lack of proper notification.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed a dispute with Equifax credit service for some collection account that are showing on my report. I asked Equifax to do an investigation on the following accounts. Under the fair credit act. 15 USC 1681 ( 1 ) A credit reporting agencies are required to do a report accurate and correct and updated information. Also the right to the consumers privacy. It future states once a dispute has been asked to be done. The reporting agencies has 5 days to notify the consumer that there dispute has been received. Equifax failed to do all these items not to mention keeping my information safe and sending out accurate information to leading and financial intuitions. All of these failed acts are violations under the Fair credit act and carry fines of a 1000.00 dollars per violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XXXX XXXX I submitted full payment on the balance due on the account. This should have ended the issues I have been having with excessive interest charges, bringing the account to a {$0.00} balance. 

The payment due date was XXXX XXXX. 

On XXXX XXXX I am charged YET ANOTHER INTEREST FEE of {$16.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I allowed XXXX XXXX to fix any mistakes on my credit report for me. They sent dispute letters to XXXX on XX/XX/XXXX and XX/XX/XXXX to remove OUTDATED accounts. I have yet to hear back about these disputes specifically with results and decisions. The bureau should have looked at all the paperwork I sent with the disputes. I gave XXXX XXXX permission on XX/XX/XXXX, and all the necessary documents were sent with the disputes on XX/XX/XXXX and XX/XX/XXXX. I want my disputes to be handled correctly and for any wrong information to be removed as stated in the disputes sent on those dates. 

Accounts : 1. Account Name : XXXX  XXXX  Account # : XXXX 2. Account Name : XXXX  XXXX  Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute serious inaccuracies regarding my accounts with the following companies that are reported on my XXXX, XXXX, and Experian reports : XXXX with XXXX XXXX XXXX XXXX ; XXXX with XXXX XXXXXXXX XXXX  XXXX ; XXXX with XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX XXXX with XXXX XXXX ; XXXX with XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX 
This matter is not just an inconvenience ; it is an outright misrepresentation that demands immediate attention. 
Despite my previous communications on XX/XX/year> and XX/XX/year>, there has been no resolution to the discrepancies I highlighted. The lack of response from all XXXX credit bureaus and actions on their part is unacceptable, and I expect a prompt and thorough investigation. 
Details of the Dispute : Nature of the Dispute : According to the FCRA laws sections 605b ( a ) and 15 USC 1681 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. I have the right to privacy please send proof of my written consent that I authorized you to report or obtain my information or remove my account. 
Supporting Documentation : I have enclosed my FTC Report with Ref number XXXX ; ID ; and bank statement as proof of my identity. 
I expect this matter to be resolved within 5 business days from the date of this letter. If I do not receive a satisfactory response, I will escalate this issue further, which may include filing complaints with consumer protection agencies and considering legal action.

Your prompt attention to this matter is not just expected ; it is required. I look forward to your immediate response.
Product: Bank account or service

On XX/XX/2017 I deposited a check into my savings account with the understanding that there would be a hold to confirm if its a valid check. I deposited at the branch of People 's United Bank located in XXXX XXXX, CT on XXXX XXXX through the ATM. NO CASH WAS WITHDRAWN ON THIS ACCOUNT. I later received a direct deposit in my CHECKING account from my monthly annuity. On XX/XX/XXXX I received a letter from the bank with a photo of the company check drawn on a out of state bank telling me the account was closed so the check was not valid. On XX/XX/2017 I present to the branch and questioned why my CHECKING ACCOUNT was frozen and my debit card cancelled. The branch manager ; XXXX XXXX XXXX said it was a fraudulent check and their loss prevention department said close the accounts. XXXX XXXX relayed to me that I would not be able to open an account anywhere because I am now looked at as being a fraudulent depositor and it will be reported to XXXX. He advised me to go open another account at a different bank ( i.e ) XXXX XXXX before he closes the People 's Bank accounts. I asked him how can it be fraud if no funds were withdrawn and the purpose of my depositing the check into my savings was for the purpose of being classified as fraud. Today, XX/XX/2017 my funds into my checking account have not been released and i was refused to contact Loss-Prevention to further remedy this problem. 
I would like this matter to be resolved and not flagg as a fraudulent bank depositor and not report me to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft under the Fair Credit Reporting Act ( FCRA ), Section 605B. This section mandates the removal of all fraudulent information from my credit report.

Unauthorized accounts have been opened in my name without my consent, impacting my creditworthiness. I have filed a police report and notified the Federal Trade Commission ( FTC ) regarding this matter.
Product: Mortgage

Subject : Urgent Complaint Against LoanCare for Negligence and Inadequate Response to Data Breach Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LoanCare, a subsidiary of XXXX XXXX XXXX ( XXXX ), due to their mishandling of a recent data breach and subsequent failure in customer service and communication. 

Incident Overview : On Tuesday, XX/XX/2023, I attempted to make my mortgage payment before the due date. I found LoanCare 's website to be non-functional, with no communication or notification provided regarding the service disruption. Additionally, efforts to reach customer service via phone were unsuccessful, met only with automated messages and no option to speak with a representative. 

Discovering the Data Breach : It was through independent internet research that I became aware of a cybersecurity incident involving XXXX XXXX XXXX. XXXX reported that XXXX, one of the largest real estate services companies in the U.S., experienced a cyberattack affecting its subsidiaries and customers, causing widespread confusion and uncertainty. Despite this public disclosure, LoanCare failed to communicate any information about the incident to its customers, including the potential risks to our personal and financial data. 

Continued Service Failures : On a subsequent date, LoanCare notified customers that the payment system was back online, requesting that we re-enter our banking information. This request, in the context of a potential data breach, seemed extremely risky and inappropriate. Repeated attempts to make a payment over the phone were again met with no live support, only automated messages and abrupt disconnections. Additionally, please reference this link which demonstrates LoanCare has been down for many people still ( including myself ) despite them indicating last night on XX/XX/2023 that the website was back up and running : XXXX XXXX XXXX  Impact and Concerns : The lack of transparency and customer support from LoanCare in the wake of a serious data breach is alarming. My primary concern is the security of my personal and financial information, as well as the potential negative impact on my credit due to inability to make timely mortgage payments despite my repeated efforts. The lack of a clear response or guidance from LoanCare has left me and undoubtedly many others in a precarious and vulnerable position. 

References and Reporting : XXXX has extensively reported on the XXXX data breach, revealing the scale of the incident and the lack of effective response from the company and its subsidiaries. This information, alongside my personal experience, paints a worrying picture of LoanCare 's negligence and insufficient customer service protocols. 

I urgently request that the Consumer Financial Protection Bureau investigates this matter thoroughly. It is critical that companies like XXXX ( and its subsidiary, LoanCare ) are held accountable for their actions, especially in incidents involving sensitive customer data and financial transactions. 

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

I am trying to sell my house and Chase bank has 3 liens filed with county clerk. I have one HELOC that was amended in XXXX the first lien refers to a XXXX equity loan that was paid off by the XXXX HELOC that they modified in XXXX. I submitted documents showing the payoff of the XXXX loan and the modification of the XXXX loan. there should be one lien only which will be paid at closing. they are ignoring repeated requests for the documents only to respond with emails stating it is being worked on. no person is signing the emails, no number other than customer service email and phone number and blank emails stating it is being worked on. 

the house sits empty and I am paying mortgage, property tax, utilities at the house along with rent and closing is held up 2 months now. I called then submitted everything XXXX. I found 20 year old documents to prove these liens should not exist and were resolved so that should mean some kind of shortening of their " research ''. I can not imagine if I did not have those old paper documents but that I do have them makes this more of a problem. their own bank failed to file the resolutions and I have sent everything. they do not handle anything and they are at fault for not filing the documents to begin with and then not handle after I sent proof. I may lose this deal for the sale because I cant get my title and I am unable to sustain paying for two homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX  XXXX XXXX continues to tell XXXX, XXXX and Experian that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.
Product: Credit reporting

I have disputed the account XXXX This account was paid off and it was not my account. I did not open this account. This is a fraudulent account. I want it removed immediately from my credit report please. Once this is removed i want a investigation with the correct FICO Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now