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

I've had a car loan with TD Auto Finance and have paid on-time every month for the past 4 years. I've sold the car and paid off the outstanding balance with good funds done electronically. I've now request 3 times for them to expedite the electronic release of the loan with the Massachusetts XXXX so that they will mail me a title and I can complete the sale of the car. I keep getting the run around from TD Auto Finance and have tried to get my request escalated to a manager but they refuse to help me with this issue. I can't believe they don't have anyone TD Auto Finance that can help. I've never had an issue with this loan and this is how they treat customer at the end of the contract. It's just horrible. Thank you fo your help. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems creditors has put a {$68.00} debt on my credit report including and left derogatory remarks on my XXXX XXXX credit history for a company I never heard of called XXXX XXXX and never received a bill from this source. I called Transworld Systems twice. They couldn't find anything on me through my name, ssn, address, nor phone numbers and refuse to clear that off my credit report. They told me to call XXXX XXXX for an account number and to call them back with the number. How XXXX must I be if they couldn't find me anywhere in their system. They need to be reported to XXXX. I am highly upset.
Product: Debt collection

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and Experian are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. Experian is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX The company submitted several certified letters to Transunion, XXXX and XXXX to erase all my old address, telephone numbers and old address. They also submitted several certified letters to dispute charge off and inaccurate reports what is left on my credit.
Product: Credit card or prepaid card

I obtained a credit card through a company named first progress. It was a secured card that I initially put XXXX of my own money on. I only made a few purchase totaling XXXX something odd dollars. I begin to read how people were having issues making payments and they would be charged late fees, so I decided to cancel my account within a month of having the card. After a few hours I managed to get a hold of someone from customer service and he basically said that I wouldnt owe anything since it was a secured card with my own money on it. This was back in XXXX of 2021.fast forward to XXXX of 2021 I begin to notice that I was getting late fees affecting my credit rating. Turns out they were still charging me late fees for a card that I canceled. Now there saying that Ive accumulated XXXX dollars worth of late fee and that I didnt cancel my account until XXXX of 2021. Which is a flat out lie. I need help please I dont have any one else to turn to. They also keep updating on my credit report as if Im still using the card.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 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.PLEASE DELETE IMMEDIATELY IT HAS ALREADY BEEN DELETED BY OTHER BUREAUS PLEASE DO THE SAME THIS IS ILLEGAL AND NOT MORALLY RIGHT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on 04/04/22. 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

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. 

XXXX XXXX XXXX # 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 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

The company XXXX XXXX XXXX has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats
Product: Credit reporting or other personal consumer reports

Transunion is reporting XXXX  on my credit report as a charge-off however I have never received a 1099c for this account if this account was written off on their taxes how is there still a balance? Please provide me with the 1099c so I can file this on my taxes as income. Also how is this account charged off along with a late payment for XX/XX/year>?
Product: Debt collection

I started to notice errors on my credit report and receiving threatening emails and letters. They also stated that I live in Virginia which I do not.
Product: Credit reporting or other personal consumer reports

I just noticed unauthorized inquiries appearing on my credit report without any reason this morning. Despite my usual checks, these discrepancies popped up out of nowhere. I refreshed my browser, thinking it was some kind of mistake, but the inquiries remained. Im asking for an immediate and thorough review of the documents Ive sent, because this issue has caused me a great deal of frustration and needs to be resolved now.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$480.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX XXXX XXXX XXXX placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from XXXX XXXX was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, XXXX XXXX constantly sent me a copy of bill from Arizona XXXX XXXX which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to XXXX XXXX from XXXX, Experian and XXXX stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from XXXX XXXX Stating how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, XXXX XXXX has again willfully violated the FRCA by not responding to my dispute. 

XXXX XXXX XXXX has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to XXXX XXXX XXXX several times with all required documentation concerning this alleged debt. 

I have have asked XXXX Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well.

This is the Information that the credit bureaus are supposed to store in their database on every consumer.

As well as 609 ( c ) ( E ) As of XX/XX/XXXX XXXX XXXX XXXX is still reporting all negative Information about this alleged debt to all three of my credit reports. Experian, XXXX and XXXX. 

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by XXXX XXXX and the disputes that i have submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNT IS REALLY AFFECTING THE WELL-BEING OF MY CREDIT HEALTH. PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY. IT IS A XXXX XXXX  ACCOUNT REPORTING UNDER EQUIFAX, OPENED IN THE YEAR OF 2006 AND DISPLAYS AN OUTSTANDING BALANCE OF {$1800.00}. I REALLY NEED TO MAKE A BIG PURCHASE IN THE NEAR FUTURE AND WOULD LIKE THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not mailed me updated report to the information been corrected or updated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that continue to appear on my credit report. Despite my previous requests for their removal, these inquiries remain, negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

The following agency XXXX has consistently reported my private information in regards to a student loan which was taken in XXXX and has continued to be reported. These agencies do not possess written permission, which is required according to 15 U.S. Code 1681b-Permissible purposes of consumer reports, P.L 90-321 ( 82 stat.146 ). 15 U.S. Code 1681c- Requirements relating to information contained in consumer reports. Originally XXXX was the company reporting to the three agencies above ; and now XXXX has taken their place which is in direct violation of the above laws and The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) In attempt to rectify this situation, I have sent many communications informing these agencies of their violations and the harm it has caused and is causing.
Product: Credit card or prepaid card

XXXX : I found a XXXX Gift Card in my XXXX XXXX XXXX ( XXXX XXXX ) things. The person who purchased the card had written {$150.00} on the cardholder ( it was unopened and unused ) I called XXXX ( XXXX XXXX ) to confirm the amount. I was told because my son was deceased I had to send them my authorization to use it. No problem. I sent them the court docs ( along with my ID ) which gave me the authority to act as XXXX Representative for my son 's estate. They told me it would be XXXX - XXXX weeks before they reactivated the card. 
XX/XX/XXXX : They could not find my file but when they did they told me it would be XXXX XXXX XXXX days and I would receive an email saying everything was clear XX/XX/XXXX : They told me it would be XXXX XXXX XXXX days and I would hear. They also told me to email customer service at XXXX XXXX and they would take care of it. 
XX/XX/XXXX : I emailed XXXX XXXX with no response XXXX : XXXX I emailed XXXX XXXX with no response Case # XXXX Last XXXX or the Gift Card : XXXX Exp. XX/XX/27 XX/XX/XXXX : No response from anyone I will call them again today. I do not anticipate any results. I am tired of the run-around. 
XX/XX/XXXX : Now they say they do not have any of the required information and I need to start over. Here is what I received : ( which was done and verified as complete in XXXX ) To continue with the process we recommend to mail the next information at Customer Service XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

- XXXX XXXX indicating the caller 's relationship to the deceased cardholder and why they are requesting the refund check - An original certified copy of the death certificate of the registered cardholder - A certified copy of letters testamentary or power of attorney, indicating the person is authorized to act on behalf of the estate of the deceased cardholder
Product: Credit card or prepaid card

It has come to my attention that Comenity Bank/Lane Bryant, creditors and debt collectors, as defined pursuant to 15 USC 1602a ( g ), and 15 USC 1692a ( 6 ) has violated my rights as a consumer pursuant to title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act, and 15 USC 1692 Fair Debt Collection Practices, by misinforming me about the use of my credit, invading my privacy, furnishing deceptive forms, and by providing abusive and unfair debt collection practices. Pursuant to 18 USC 8, the alleged debt was already paid for under the obligation of the United States. Pursuant to 15 USC 1602a ( g ), I am the person, and the original creditor who is federally allowed to extend credit to any, and all banks. Comenity Bank/Lane Bryant never loaned me money for this credit card. Banks can not loan money, Congress never gave banks the power to loan money. 

In XX/XX/XXXX, Comenity Bank/Lane Bryant lowered my credit limit without notice, and OnXX/XX/XXXX, Pursuant to 15 USC 1691 ( d ), and 15 USC 1691 ( a ) ( 6 ), Comenity Bank/Lane Bryant committed adverse action upon me. Comenity Bank/Lane Bryant closed my credit card account due to inactivity, without my permission. Pursuant to 15 USC 1602 ( a ) ( p ) this is unauthorized use of my credit. I did not benefit in any type of way from Comenity Bank/Lane Bryant revoking, and closing my credit account. On XX/XX/XXXX, XXXX XXXX of the Compliance Department at Comenity Bank/Lane Bryant threatened to injure my reputation to the consumer reporting agencies by retaining my consumer information, amongst other civil and criminal acts. This is a federal violation pursuant to 18 USC 876 ( d ). This is attached in the documents of this case. These are just a few of the federal violations Comenity Bank/lane Bryant, and XXXX XXXX have committed upon me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, ( My name XXXX XXXX and I paid my mortgage on time. I've been paying my principal and interest, {$2500.00}, every month, for 9 years. I paid my escrow separately, on time, and I don't have any pending payments. My bank doesn't give out transmittal forms because I pay online, thus I have Bill Pay. I have been extremely inconvenienced since you made the switch in my neighborhood. You even had foreclosure notices sent. I have been going back and forth with your customer service for many months now so please for the love of XXXX, figure things out on your end because I can not endure this any longer. My mortgage payment ( principal and interest ) details are below. ) I sent a letter to loan care regarding this matter earlier. But no action is taken and still, this issue is persisting and which already affected my credit score.I started this mortgage ten years, I don't have any past due. I have evidence for all past payments. Please consider this matter and solve this problem. 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NJ XXXX
Product: Debt collection

on XX/XX/XXXX I woke to find my car had been vandalized. Stolen from my vehicle was personal property and my wallet. upon finding my wallet was stolen I made appropriate steps to get a duplicate license and cancel my bank cards. Fast forward to XX/XX/XXXX I was summonsed to court about a credit debt that I knew nothing about. I called the courthouses and Midland credit in an effort to ascertain anything that said I opened the account. XXXX XXXX  claimed the account was opened on XX/XX/XXXX but when I asked for something with my signature on it they said the no longer have the information as it was passed on. I then called Midland Funding who could not provide that either that the courts had it, so I contacted the courts and they don't have it either. I was also told that a payment was last made on XX/XX/XXXX so I asked for any information on the payment ( ie check, bank etc ) and nothing could be provided as well. I do not remember opening this account and simply have asked for any proof that it is mine. No one could provide any of that.
Product: Payday loan, title loan, or personal loan

MY NAME IS XXXX XXXX XX/XX/XXXX I PAID OFF LOAN # XXXX WITH XXXX XXXX. I OPENED IT UP XX/XX/XXXX. I HAVE PAID BI WEEKLY PAYMENTS OF XXXX WITH XXXX XXXX STARTING ON XX/XX/XXXX. WHEN PAYING LOAN OFF I OWED MORE THAN I BORROWED ALL MONEY WAS GOING TO UP FRONT INTEREST AND FEES. MY PAY OFF WAS XXXX. AND I WAS TOLD THAT THE LOAN CHARGED {$17.00} PER DAY FROM YOUR LAST PAYMENT TO YOUR NEW PAY DATE ( EXAMPLE XX/XX/XXXX TO XX/XX/XXXX ) I ONLY BORROWED XXXX AND PAID THEM {$2600.00} IN PAYMENTS AND STILL HAD TO PAY {$2300.00}. 
PLEASE HELP ME WITH THIS ISSUE AND UNFAIR CHARGES.
Product: Debt collection

CRA/HIPAA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft and have attached my credentials and a report to be sent to the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$690.00} est XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX   {$4300.00} XX/XX/XXXX inquries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX ct XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX please assist me in removing all negatives due to identity theft