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

I had called XXXX because I was behind due to lack of Child Support payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX XXXX kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called XXXX explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX   of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : 4 XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX also these are the following accounts : XXXX XXXX XXXX XXXX XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : Transunion : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX  XXXX reported as Negative - not mine XXXX XXXX   reported as Negative - not mine XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation. 

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet XXXX   refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by XXXX  are not mine, nor is there any proof from XXXX provided that my complaints have been investigated! 

XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX  reported as Negative - not mine XXXX XXXX   XXXX reported as Negative - not mine XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX   account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!
Product: Mortgage

XXXX XXXX  collected an extra {$5700.00} from me, then has repeatedly failed to return the money to me as part of an excess funds disbursement from escrow. When they sent me a check in the mail to cash, it bounced. 

The company is refusing to either credit my mortgage with the money they owe me or to promptly provide me with a refund. If I were truly living hand to mouth, this behavior would force me into default. 

I have found XXXX to make repeated errors in handling my loan within just a few months of assuming servicing responsibilities.
Product: Vehicle loan or lease

I Paid off my lease in full on XX/XX/2019, satisfying all lease terms. 

Hyundai Motor finance then took an extra payment on XX/XX/2019. I have been trying to get the company to send the money back for about a month now. The company owes me {$330.00}, and I have no idea if or when I will receive the money back. Several representatives claim a check will be sent " Soon ''. 

I can never contact the company. The phone system is specifically designed to prevent reaching an agent. It is cyclical, and often it just says " Goodbye '' for no reason. Often when transferring to an agent, it states " Call back later ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Experian, I never gave XXXX XXXX XXXX nor XXXX permission nor the right to report on my consumer report & the fact that these accounts are reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good Morning I recently reviewed my credit report and noticed an account that was not reporting accurately.I had a charge off status for over 5 years of something that I paid off in XXXX  a charge of {$180.00} dollars the report number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXXIm now requesting respectfully to investigate this account and update these payments to paid on time immediately. 

Thanks for the help and prompt action XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX account from Unknown with account # XXXX and a balance of {$570.00}. The original creditor is Unknown. 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from FLAGSHIP CREDIT ACCEPTANCE on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.
Product: Vehicle loan or lease

BMW FINANCIAL SERVICES has charged off an account on my consumer report. I Have yet to receive my 1009-C. The car has been repossessed, sold and has a title Lien on it with another consumer. Why am i being charged for something re sold and in another contractual agreement. This is fraud and illegal. A violation of my Rights as a consumer. as well as a violation of the United States constitutional laws. As outlined by the Fifth Amendment to the United States Constitution, I have a right to due process, which includes the protection of my property rights. In this case, the erroneous reporting of this charge-off with a balance constitutes a violation of my right to accurate representation of my financial history. I believe that this account does not reflect the true nature of the debt, or the amount that is owed. Due Process under the Fifth Amendment : The Fifth Amendment of the U.S. Constitution guarantees due process, which includes the right to be informed of actions that affect ones rights, including financial obligations. When a creditor cancels a debt, it triggers potential tax consequences that should be disclosed to the consumer. The failure to provide a 1099-C form interferes with my ability to properly comply with federal tax laws, thereby depriving me of the ability to understand and respond to my legal financial obligations. This lack of notification deprives me of a fair process in managing my tax responsibilities. 

Right to Equal Protection under the Fourteenth Amendment : The Fourteenth Amendment guarantees equal protection under the law. By not issuing Form 1099-C for canceled debt, I am being treated unfairly in comparison to others who may receive the necessary information to fulfill their tax obligations. This disparity in treatment may constitute a violation of the equal protection clause, as it subjects me to potential penalties for non-compliance without informing me of the necessary reporting requirements.

Right to Protection from Unlawful Taxation : The Constitution, as interpreted by the courts, protects citizens from unlawful taxation. When a creditor cancels a debt, it is a taxable event under federal tax law. Without the issuance of the 1099-C, I am unable to accurately report this cancellation to the IRS, potentially leading to improper tax assessments. By failing to provide me with this form, I am denied the ability to fully exercise my constitutional right to protection from incorrect or excessive taxation.
Product: Credit reporting or other personal consumer reports

I have filed disputes into the accuracy of payment history through XXXX and XXXX regarding my CUSO home lending mortgage account. Regardless if CUSO reports to these companies now both credit monitoring bureaus are suppressing the account from my credit report because CUSO is failing to respond to active disputes.

I would like CUSO to prove they have in fact responded to active disputes through XXXX and XXXX. The agencies have told me since CUSO has not responded to the disputes the account will remain suppressed until they finally respond. The XXXX dispute was from well over 6 months ago. After 30 days XXXX begins to suppress the account from a failure of the creditor to respond. A similar policy is held with XXXX. 

CUSO must respond to disputes with both agencies to allow the account to appear on my credit report again. 

I reiterate -because of CUSOs failure to address this in a previous complaint- I am NOT arguing the accuracy of my paymeny history on this complaint. I am arguing that CUSO has failed to respond to disputes on XXXX and XXXX which have caused the account to become suppressed regardless of if they continue to report the account or not. They MUST respond to disputes as they have intentionally failed to in an effort to damage my credit score. 

The documents I've provided show all of my active accounts minus CUSO which is active but suppressed from their lack of response to open disputes.
Product: Debt collection

XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

this company bought a debt from XXXX XXXX XXXX  WHICH wasn't an obligation to pay but instead dividends owed to me. this has caused me to become homeless because i cant qualify for a decent luxury apartment complex. instead of removing the debt off my consumer report they continue to Harras me but calling and sending default notices in the mail. by law this is illegal business practice and needs to be compensated for.
Product: Debt collection

US BANK REPRESENTATIVE DENIES FICTITIOUS LOAN SCHEME PLUS STATES MY EVIDENCE AND COMMUNICATIONS WILL BE OBSTRUCTED FROM REVIEW On Monday, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX wrote : Re : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear XXXX XXXX : Thank you for your inquiry directed to the Consumer Financial Protection Bureau ( CFPB ) and subsequently forwarded to U.S. Bank N.A . ( U.S. Bank ). I have been asked to address your questions or concerns on behalf of U.S. Bank and appreciate the opportunity to do so. 



Our records show we responded to your inquiries on 2 separate occasions response dated XX/XX/XXXX, and XX/XX/XXXX. Please refer to those communications, as we do not have any additional information to provide to you. Those communications clearly stated our role and identified a more appropriate contact for your inquiries. 



We disagree with your legal assertions and do not acknowledge your correspondence as satisfaction or settlement of the debt owed, nor do we acknowledge that your correspondence has any legal significance or that it forms the basis for any contract or agreement. Your account is governed by your loan documents and the Trusts governing documents. The statements contained within your correspondence in no way alter or change the nature or terms of your loan documents and your contractual obligation to repay the balance owed on the account in full is neither discharged nor forgiven. 



As the previous letters to you by U.S. Bank have provided you with the servicer contact for your issues and we have no additional information to provide to you any future correspondence by you will be forwarded directly to the servicer for a response. Accordingly, direct all future correspondence to the servicer representative assigned to this matter Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX U.S. Bank XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXX XXXX, MN XXXX XXXX www.usbank.com
Product: Credit reporting or other personal consumer reports

I am writing to urgently follow up on my previous dispute regarding the negative accounts listed on my credit report. As of today, I have not received a resolution, and the inaccuracies persist, adversely impacting my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed Experian, via certified USPS mail, a formal, written request for Method of Validation for the results of my investigation into the following accounts my rights per FCRA Section 611 : XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX- Acct # XXXX Experian received my request per USPS XXXX # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and Experian failed to comply with this request during the 15 day period. Experian demonstrates a failure to comply with investigation timelines. I fully intend to sue if necessary to rectify these errors which are very serious inaccuracies which are hurting my ability to obtain credit. I do not believe Experian has contacted these companies, but instead relies on their automation system that includes inaccurate information related to these accounts.
Product: Student loan

I graduated XX/XX/XXXX with a degree in communications. I have applied to more jobs than I can count and still haven't landed a job. I have been working as a XXXX XXXX XXXX XXXX since moving home in XXXX. My payments with Sallie Mae are now due. My mom and I tried to get me into an income driven payment option since I am only making minimum wage. My payment due is just under {$1400.00} per month, this does not include my FAFSA payment I also will have to start paying in the next couple of months. My mom co-signed for my loan because I couldn't get one if she hadn't. We spent, literally, XXXX XXXX continuous hours on the phone with them Monday XX/XX/XXXX because when we called in XXXX, that's what we were instructed to do to get an income driven payment option, just be told Monday, they don't have an income driven option. The best they could do is defer the payment until XX/XX/XXXX, or put me into a " Graduated payment option '' which is still {$980.00} per month and per the Sallie Mae rep " is not a good option, because we will pay so much more in the end. '' They said between our income we " can afford the payment ''. My mom has a household to run, and since she raised my brother, sister and myself XXXX, my " dad '' has never financially supported us, my my mom has her share of credit card payments each month, her own student loans, her parent pluse loans for me and standard bills. This payment is by itself, rent/mortgage. Sallie Mae replied with, the best we can do is defer the payment until XXXX, but come XX/XX/XXXX, " the payment is due ''. They do not care about their customers, or even try to understand how hard some people have it. I of course, will pay my loans, I borrowed them, but I don't know a single person who can afford {$1400.00} a month for ONE bill, I can't and quite honestly am scared to death how we will get these payments made every month. DO NOT ever take out a Sallie Mae loan, they just don't care.
Product: Credit card or prepaid card

I had a previous Capital One Secured MasterCard credit card account. The previous account balance and debt I owed to Capital One Bank, was discharged under Chapter XXXX Bankruptcy in the United States District Court-District of XXXX  Bankruptcy Court on XX/XX/XXXX. I applied for a Capital One Bank Secured MasterCard and both of my applications was denied for approval and credit. Capital One Bank keeps denying my online applications for a Capital One Bank Secured MasterCard credit card account due to me for filing bankruptcy and getting the previous account I had with Capital One Bank discharged in bankruptcy court. Capital One Bank is discriminating against me by denying me credit and an opportunity to rebuild my credit, discriminating against me based on me filing for bankruptcy and based on my race, me being XXXX XXXX. Capital One Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I am sending a copy of this complaint to Minnesota U.S. Senator XXXX XXXX, Minnesota U.S. Senator XXXX XXXX, the Federal Trade Committee ( FTC ), the U.S. Department of Justice and Joe Biden, President of the United States to have this matter throughly investigated and amicably resolved.
Product: Credit reporting or other personal consumer reports

I had recently contacted all three major credit agencies. Equifax, XXXX, and XXXX. They are violating the fair credit reporting act and the consumer protection act. I explained to them how they are doing so. They ignored it and still continue to validate fraudulent information with telling or showing proof of there claims. I do not know how they got this information with my written consent or permission to do so. Each violation is subject to {$1000.00} per each violation in consumer law and also the courts.
Product: Credit reporting or other personal consumer reports

I have sent copies of the police reports and everything asked for but hard inquiries have not been removed