23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number:XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX on XXXX in Persons ( please refer to the attached Confirmation of Authorization ). The XXXX XXXX XXXX has verified and determined that XXXX XXXX is a victim of a severe form of trafficking in persons under 22 U.S.C. 7102 ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by human trafficking and debt bondage. We have identified XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate human trafficking, we've identified an issue with XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of debt bondage. This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX credit profile. Thank you for your attention to this matter. We look forward to collaborating on this important issue. Please feel free to contact me at any time. Best Regards, XXXX XXXX Founder & CEO
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/23 I was reviewing my Experian credit report I noticed that there was a some Inquiries plus a few extras that wasn't there before, that I made a attempt to dispute months earlier. After calling and requesting for the Inquiries to be removed I took it for face value that Experian would do the right thing. But as we all know now Experian has is still continuing to practice deceptive and misleading practices. Experian made me believe that any and all unknown, non written correspondence, or court ordered Inquiries that wasn't connected to any open accounts would be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Another loan with an illegally high interest rate.. the interest rate is illegal in state of Georgia.. can not afford these payments
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 a 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: Debt collection

USAA DISPUTES XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dispute XXXX : Policy reinstated due to non-cancellation-XXXX  USAA On XX/XX/XXXX, I called to inquire about extending my due date for my policy that I have had for over 20 YEARS. I was told that the due date was XX/XX/XXXX. I wrote this in my calendar. I paid the premium of {$670.00} by XX/XX/XXXX. The reason is was late in the first place was because you were not mailing statements in a timely manner. I have been a customer for almost 20 years with excellent payment history. The statements were LOST in the mail and I never received any correspondence about any of this. 

I called on XX/XX/XXXX, I was told to have the payment in by the XX/XX/XXXX. 

USAA then went ahead and cancelled my 20 year old policy and upped the premium by {$3000.00} despite the fact that I was NOT late on the final payment. XXXX did not occur. My policy DID not cancel due to missed payments as I was following the recommendation of the agent who told me that there was a 10 day grace period or due date of XX/XX/XXXX which I met. 

USAA went ahead and Cancelled my policy when they TOLD me I had until XX/XX/XXXX and told me there was a grace period. I did as I was advised and found out USAA went ahead and cancelled my policy and increased my premium anyway! 

Listen to all the recordings and revert the policy back to what is was originally with no lapse in coverage. I was TOLD the due date was XX/XX/XXXX. 

I REQUEST my policy TO BE reinstated to what it was prior to USAAs mistake. I spoke with : XXXX Employee # XXXX Who also can confirm the conversation and confirm the recordings and the agent who told me I was still within the window of my current policy. 

My policy did not lapse so I would like my policy reinstated as it was prior to your mail mishap. 

CEO email : XXXX XXXX
Product: Mortgage

New American Funding Corporate Office : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 

Was my loan servicer for a VA loan, I was credited by the seller for 11 months of property taxes at closing to keep me from having to fund the escrow account for the taxes for 2021. In the state of Illinois I am exempt from property taxes as a 100 % XXXX vet. XXXX XXXX knew this, they knew this as they did not factor taxes into my escrow only insurance. My exemptions have been filed with XXXX XXXX and provided to new XXXX, however they have added an additional payment of XXXX a month for property taxes I do not legally owe and they know this. 
My loan number is XXXX, I have made my payments as agreed upon when I bought the house. But no one can explain where the money I was credited for property taxes for 2021 went to. I was a VA loan so that limited what I was required to bring to closing.
Product: Payday loan, title loan, personal loan, or advance loan

Predatory practices Deceptive charging 249 % interest Never got any calls letter until XXXX  years later And has gotten a XXXX  XXXX  attorney that want me to pay for attorney and court cost
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Rep stated deferment was denied due to documents not being received in timely manner. Document received from Kia finance via email from their XXXX XXXX on XX/XX/2023, I signed the document within the XXXX XXXX on XXXX XXXX at XXXX... received a confirmation email showing I had signed the document along with a final copy of the agreement for my records. Kia statement and reason for denial is false and has negatively impacted my and the cosigner 's credit reports leading to denial of loans and extensions of credit. Documents were received, signed and returned within Kia 's XXXX XXXX. I never received a letter or email stating I hadn't returned the document or that the deferment was denied for any reason. The receipt I have states it was returned and accepted and I was given a copy of the final signed document showing it was completed. I did not receive any additional phone calls from Kia after XX/XX/XXXX until XX/XX/XXXX, of which were not answered until the XXXX due to my being at XXXX with co-signer who is in XXXX due to an auto accident that occurred at the end of XXXX, beginning of XXXX and was part of reason for deferment request. My being XXXX for XXXX at end of XXXX was other reason for deferment request. Kia rep stated they did not receive signed document and stated I had to make a payment because I was now in default, and without a payment I could not request a new deferment. I explained I had an email confirmation of deferment agreement on XX/XX/2023 but was told it did not matter because it was denied. When I asked to speak with the department who denied it I was told no one could speak with that department, not even they, the customer service rep, could speak with them directly. But my concerns would be sent to them after I made a payment. After payment I was directed to call back to request a new deferment and notes about my issue with orig deferment denial would be on account. No one could address the issue of the denial or issue with my credit being negatively affected. I can not forward emails or documents within email linked to Kia 's XXXX system, but I have attached screenshots of header information. Their XXXX XXXX is XXXX XXXX
Product: Debt collection

I had a credit card with XXXX XXXX XXXX. I settled that debt through XXXX XXXX XXXX in XXXX. At some point, XXXX. XXXX XXXX sold the debt to several debt collectors who have been harassing me and leaving threatening messages. The most recent one was threatening to garnish my tax returns. Previously they would continue to call and call me poor .... continue to harass me for being a loser and not being able to pay my bills. I keep blocking the numbers and asking them to stop calling me. Ive explained that Ive settled this debt. They keep using new numbers and becoming more threatening.
Product: Student loan

1. On XXXX XXXX 2017 I made an online payment with Navient for {$320.00}. I was given a confirmation Number for the transaction. 2. On XXXX XXXX, 2017 Navient sent me a statement showing that the payment was received and allocated to my account 3. Navient them reversed my payment and sent me a notice stating that my bank rejected my payment 4. My bank ACH department have no record of Navient submitting payment 5. I have called Navient and spoken to a representative who told me your bank rejected your payment 6. I need Navient to provide me proof that my bank rejected my payment Thank you kindly XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information on Credit Report XXXX  XXXX XXXX Account Dear Sir/Madam , I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX on my credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n.

Details of the Disputed Account : Account Name : XXXX  XXXX XXXX Discrepancies and Errors : Incorrect Reporting of Account Status : The account shows it was charged off, but there are inconsistencies in the payment history and charge-off dates that suggest inaccurate reporting. This violates the FCRA, specifically 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain the maximum possible accuracy of information.

Balance and Past Due Amounts : The balance and past due amounts are both listed as {$1000.00}. This may include erroneous fees or charges that were not properly documented or validated. This is a violation of the FCRA, under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of information must provide accurate information.

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX  XXXX XXXX. Under 15 USC 1681i ( a ), credit reporting agencies must reinvestigate disputes and delete any inaccurate information if they fail to validate properly. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.

Account Closure Details : The comment states the account was closed at the credit grantors request. If this is incorrect, it needs to be rectified immediately. Providing inaccurate information about account status violates 15 USC 1681s-2 ( a ) ( 1 ) ( B ).

Payment History Inconsistencies : The payment history reflects numerous charge-offs and past-due statuses without clear updates, suggesting potential errors in the reporting timeline. This inconsistency violates the FCRA 's accuracy requirements as outlined in 15 USC 1681e ( b ).

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).
Product: Credit card

I had fraudulent purchases made on my XXXX account for tickets I did not authorize. 
My XXXX account was hacked and they used my credit card that was linked to the account. 
I received an email about the purchases and mediately contacted my credit card company and XXXX. 
My credit card company took the charges off. XXXX cancelled my account and sent me an email stating that I would not be responsible for any fraudulent purchases. 
Three months later after my credit card company did a fraud investigation, when they contacted XXXX, XXXX told my credit card company that the charges were valid. 
When I contacted XXXX they told me I would have to tell my credit card company to resubmit the dispute. 
When I contacted my credit card company, they refused to resubmit the dispute. 
When I did a XXXX search, I find that this has happed to many XXXX accounts
Product: Mortgage

in XX/XX/XXXX I lost my home with HSBC. I tried since XX/XX/XXXX to do a loan modification with them directly. they made me send in papers and fax over statements. in the end they didn't approve or help me at all. I had to lose my home to short sale at XXXX XXXX XXXX XXXX XXXX fl XXXX. I heard about the HSBC mortgage settlement. I called the number but they can not help me. I already moved to a new home XXXX fl XXXX. I need to know if I am eligible to receive a settlement from HSBC? thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was two accounts opened for a Car loan for XXXX XXXX XXXX   and XXXXXXXX XXXX that has been disputed under identical theft, but still remains on my credit report after multiple disputes, Ive given them the police report numbers and also the FTC filing numbers stating specific sections of the FCRA mailed to them registered returned mail
Product: Credit card or prepaid card

Chase Bank has a promotional program called Chase Offers that provides special cash back on purchases made with a Chase credit card at selected merchants. The amounts of cash back vary but are usually between 5 % to 20 %. In XXXX, Chase gave me an offer of 10 % cash back on purchases up to {$70.00} at XXXX XXXX, a supermarket chain. In my county, XXXX XXXX County, California, XXXX 'XXXX  stores are all named XXXX XXXX XXXX. There are no stores actually named " XXXX 's '' anywhere in my county or on the XXXX XXXX XXXX ; they are all named XXXX XXXX XXXX. XXXX 'XXXX  stores have various names depending on the area they are located in, such as XXXX XXXX XXXX, XXXX XXXX, or XXXX 'XXXX, but they are all part of the same company. The company 's single mobile phone app even shows all three names. Therefore, I assumed that the Chase Offer at XXXX 'XXXX  would apply to purchases at XXXX XXXX XXXX, given that there are no actual stores named " XXXX 'XXXX  '' in my area. I made a {$70.00} purchase on my Chase credit card at the XXXX XXXX XXXX supermarket on XX/XX/2019, expecting to receive {$7.00} cash back for the Chase Offer. But Chase denied the cash back, saying the purchase had to be made at an actual XXXX-named store. I asked for an escalation, but they never responded. I feel their promotion was very deceptive, given that they made me an offer that I could not actually fulfill in my area, and that I was tricked into making my purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1

681.XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I h

ave 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 accoun t 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: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX Consumer Dispute Center ( TU ) XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX AMSHER COLL # XXXX Please verify this account. 
XXXX XXXX  XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please remove the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

NUMEROUS COMPLAINTS FILED, PAID XXXX down on a XXXX VALUE XXXX  XXXX XXXX and was racially punished and sold a risk based loan with dealer unauthorized charges attached. I have been overlooked and I WILL NOT TOLERATE IT!!! ALL OF MY LIFE SAVINGS WERE TAKEN FROM ME AND I HAVEN'T HEARD ANYTHING FROM WELLS FARGO. I WONDER HOW MANY INDIGENOUS PEOPLES ARE BEING IGNORED AND OVERLOOKEDXXXX XXXX YEAR LOAN of {$360.00} after taking my XXXX... .THAT IS FINANCIAL XXXX!!! I AM GOING TO FO EVERYTHING POSSIBLE ZO INFORM MY INDIGENOUS PEOPLES THAT IT APPEARS AS IF CFPB IS NOT CONTACTING US EITHER. WE CONTINUE TO BE OVERLOOKED. THERE ARE MANY REPORTS OF PEOPLE RECEIVING PAYMENTS AND I SHOULD BE AT THE TOP OF THE LIST AFTER FILING OVER 8 COMPLAINTS!!! AFTER LOSING MY VEHICLE, I SHOULD BE REIMBURSED AT LEAST {$10000.00}!!!!! It appears as if I need to make sure CFPB IS allocating governance correctly as well because this is extremely suspicious.