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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Leased a vehicle, XXXX XXXX XXXX VIN # XXXX, on XX/XX/XXXX through Mini Financial Services, XXXX XXXX XXXX XXXX, Arizona XXXX. Same was registered in the state of Florida to my name, XXXX XXXX, under license plate # XXXX and insured through XXXX. No payments were missed and lease was paid until the lease term ended. After returning home from an 8 month trip p on XX/XX/XXXX, I noticed that my vehicle was missing and the valet of my building did not have the key or knowledge as to what happened to my lease vehicle. On XX/XX/XXXX, to report the apparent theft ; however, XXXX XXXX XXXX ( Report # XXXX ), indicated that they could not provide me with a theft report as the vehicle was registered to another person. I immediately contacted the leasing company who denied ever repossessing the vehicle and instead demanded {$20000.00} for the residual value of the vehicle. I then hired a private investigator who revealed that the vehicle was in fact registered under another name in the state of Florida. As per this investigator 's findings and documentation, on XX/XX/XXXX, the vehicle was sold by XXXX XXXX, XXXX XXXX. # XXXX, to XXXX XXXX for {$320000.00}. XXXX XXXX provided my investigator with a copy of the purchase agreement, a motor vehicle title reassignment supplement document, and a copy of an application for a certificate of title with/without registration. Up until this moment, Mini Financial Services continue to demand payments, denies ever repossessing the vehicle, and refuses to follow up with their recovery department regarding the sale of the vehicle by XXXX XXXX even though the vehicle was sold while still having a lien by Mini Financial Services.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to dispute the information being reported on my credit file regarding the XXXXXXXX XXXX XXXX account ( XXXX XXXX  ). The account is reported as a charge-off, yet there is still a balance being reported, which I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Issue at Hand : XXXX. Request for 1099-C : I have previously contacted XXXXXXXX XXXX XXXX  requesting a copy of Form 1099-C, which they are legally obligated to issue if the account has been charged off and the debt is considered canceled for tax purposes. To clarify, my request was not for verification of the account but for documentation proving the issuance of a 1099-C. Failure to provide this documentation raises serious questions about the accuracy and legitimacy of the reported balance. 
XXXX. Reporting of a Balance Post-Charge-Off : Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors and furnishers of information must ensure the accuracy and completeness of the information they report to credit bureaus. Once an account is charged off and the creditor cancels the debt, the balance should no longer be reported as owed by the consumer. Reporting a balance after charging off the account constitutes a misleading practice and damages the accuracy of my credit report.

Additionally, state laws may impose similar or stricter requirements on creditors to ensure the accuracy and fairness of their reporting practices. By continuing to report a balance without evidence of a 1099-C, XXXXXXXX XXXX XXXX may also be in violation of such laws.

Requested Action : I respectfully request the following : XXXX. Immediate investigation into the accuracy of the information reported for this account. 
XXXX. Removal or correction of the account to reflect a {$0.00} balance if it has indeed been charged off and/or canceled. 
XXXX. Provision of proof that Form 1099-C was issued to the IRS and me, as required by federal tax regulations. 

Please consider this letter as my formal dispute under the FCRA. I request that the results of your investigation, along with any supporting documentation used in the verification process, be provided to me in writing within the time frame specified by law. 

Failure to comply with the requirements of the FCRA and applicable state laws could result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/2019, XX/XX/2019 and XX/XX/2019 Certified mail was sent to Equifax stating them to provide information that the debt that they have claimed to be mine is accurate and to provide me with original documents with my signature Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.e showing that this debt is mine, under the FCRA. Also Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Not only did they not provide me with the information Requested, they sent me a letter back stating it was mine without even showing how they verified it as being mine? Is this against the law? Can I sue them for fraud? This is what it will be at this point correct? They broke the FCRA law and did not take the proper steps to verify that this debt is mine.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Pursuant to 18 USC 1341 Frauds and Swindles, Pursuant to 18 USC 894 Collection of extensions of credit by extortionate means. 15 USC 6802, 15 USC 1692 ( F ) And completing a UCC 11 debtors search only to find I have no debt or liens in my name. 
XXXX, XXXX and XXXX  Have collected my non public information without my expressed written consent for them to publish, present or post my transactions and experiences such as but not limited to : inaccurate addresses, collections, hard and soft inquiries, inaccurate names and phone numbers and misrepresentation of a credit sale ( XXXX  XXXX XXXX XXXX XXXX ) labeled as an Auto Loan for loan type. The malicious and fraudulent activity has slandered my creditworthiness and deemed me a high risk consumer drastically lowering my score. I have reached out to the XXXX Credit Reporting Agencies and have had little to no success with them adhering to legislation that protects my consumers rights. These are just a few of the violations that have taken place and are still ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB complaint I recently submitted. I sent a letter on XX/XX/2022, to remove personal information, address, accounts and inquiries that are totally UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints and I am including it again. Please have the following items removed as soon as possible. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on 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. 

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

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number.I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX {$580.00} XX/XX/XXXX XXXX  {$480.00} XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ) XXXX {$680.00} ( XXXX XXXX XXXX ) XXXX XXXX  XXXX   {$960.00} ( XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$130.00} ( XXXX XXXX XXXX  XXXX ) It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

I received a letter in the mail dated XX/XX/21 saying that claim number XXXX had been reconsidered and was paid via cashier 's check in the amount of XXXX. 

I was notified via USPS informed delivery that this check along with other mail was scheduled to be received XX/XX/21. I did not receive it and I notified Bank of America XX/XX/21. The first of MANY reps assured me he submitted a request for stop payment and reissuance of the check. 

I called XX/XX/XXXX and talked to over XXXX reps who simply don't know anything about this check or process of reissuing payment. The social media care team, fraud online, claims and disputes, all these reps and managers have proven how poor of a service Bank of america provides. It's a shame I had to go to this length to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

good afternoon Team XXXX Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX, of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. 

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possibleIn accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan that was on Identity Theft & fraud by XXXX XXXX bank that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them.
Fraud & Theft on the instrument for the Deed of Trust
Product: Credit card or prepaid card

I applied American express Delta platinum card in XXXX, 2018, for a promotional offer of earning XXXX miles after spending {$3000.00} in 90 days. At the time of application, I did not have this card previously which according to the terms would disqualify the promotional offer. During the application process there was also no pop up window indicating that I am not eligible for the promotion, which I believe is a system that Amex put in place in the past year to let applicants know if they are eligible before deciding to apply.

I met the spending requirements in less than 90 days but did not find the promotional miles posted to my account. After I called Amex I was told that the bonus was denied. The reason they gave me was very vague, just that they have an internal algorithm that makes decision based on account opening and closing history. I went ahead to ask what is the specific criteria but the agent does not seem to know nor willing to discuss. I asked to speak with a supervisor and got the same response. They basically said there is no explicit rules for customers to know if they are eligible, it is completely up to Amex to deny whoever they think should not be given the bonus.

I then asked them when is the decision to reject being made, which they won't gave answer. I also asked if they decide to deny the bonus, why the decision was never communicated to me in any way, because then I can choose to close the account and not paying the {$190.00} annual fee. Promotional bonus offer is one of the important factor to open a credit card, and if that is denied the customer should at least be notified and be given the option to cancel before the annual fee is due. Amex refuse to engage on this question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX  a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Account # XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ insert original letter date ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. 
As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you XXXX lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( XXXX, Experian, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above.

Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit card

I had XXXX accounts with American Express. XXXX was the XXXX account I opened around 2004. The other was my XXXX American Express opened recently. I made a payment in XXXX in the amount of {$800.00} to my XXXX account when it should have been for the blue account. When XXXX switched visa XXXX bank this money did not transfer. The visa XXXX liaison said they do not see the {$800.00} in my history of my XXXX American Express card. American Express says they can not see my XXXX AE card at all. XXXX XXXX, my bank has denied my fraud claim. The {$800.00} is missing and I still owe that to my blue account. Please help! Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has put illegal, false remarks on my credit file for the following CLOSED accounts. I did not give them permission to put any remarks on the following accounts and after repeatedly asking them to remove them and they refuse I am forced to file this CFPB complaint. 

XXXX XXXX ACCOUNTS ( 2 accounts ) Accounts XXXX and XXXX remarks say ( Dispute resolved, consumer disagrees ) this account should only reflect " Account closed by consumer '' and nothing more. They illegally have put ( Dispute resolved, consumer disagrees ) in the remarks section and I want it removed. I have already contacted XXXX XXXX at XXXX. 

XXXX : This account XXXX has remarks that says Dispute resolved, consumer disagrees. This remark should not be on my credit report as Transunion has illegally put this on my file without cause. The only remark should read " Account Closed by consumer '' I have already contacted XXXX at XXXX Stop putting illegal remarks on my file simply because you are trying to retaliate against me for filing complaints against your illegal reporting. This is my right and you are to follow the law and to honor my request or face the consequences for your illegal actions.
Product: Vehicle loan or lease

On XXXX I paid {$26000.00} to pay off my XXXX  XXXX XXXX XXXX a month early before the lease expired. US Bank cashed the check immediately and closed the lease o XXXX per US Bank. I have made numerous phone calls to get the title to this vehicle and the release of the lien and have gotten nothing but the runaround. It is now THREE months later and no title or paperwork for release of lien. I call US Bank weekly but get a runaround and excuse after excuse. Every time you call there you speak to a different person and a different runaround. It's either in the mail or it's being overnighted to me. As of today NO title or paperwork. My last phone call was yesterday, XXXX, at which time I again was told I would get it next week!! I told " XXXX '' I wanted my money back and they could come get their XXXX. I was told that I could not get my money back! My sister gave me the money to pay off this vehicle as she is buying it and is beyond upset!! This vehicle is sitting in my driveway now three months later and she feels she has been ripped off. I want the money back WITH INTEREST and US Bank can come get the XXXX!!! I am tired of this nightmare!!! Never have I been through such an ordeal with a bank!!!!! NEVER will I ever deal with this bank again through a dealership!!!! Please HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2100.00}, XXXX XXXX Balance : {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a ridiculous company. They wouldn't let me have my own credit report. I tried everything- calling, online, sent them copies of SS and DL. They are simply hijackers with our own information. How this is legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private  accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX