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

My husband had an auto loan through Axos bank. He passed away XXXX XXXX, XXXX. The loan is in his name and the bank hold the title. I contacted them on XXXX XXXX, XXXX to get the loan pay of and to have it transferred into my name so that I can sell it because I can't afford the payment. Here are the emails : XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX to portfoliomanagement My husband. XXXX XXXX, passed away XXXX XXXX of last year. I have been making payments on the truck, # XXXX, and have finally received the death certificate so that I can sell the truck. What steps do I need to take in order to do that? 
Thanks XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX  to me Good morning, Unfortunately, since you are not on this loan you would either have to pay this loan off with us or refinance and get it under your name. 

XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXXXXXX XXXX to XXXX My husband. XXXX XXXX, passed away XXXX XXXX of last year. I have been making payments on the truck, # XXXX, and have finally received the death certificate so that I can sell the truck. What steps do I need to take in order to do that? 
Thanks XXXX XXXX XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXXXXXX XXXX to XXXX My husband, XXXX XXXX XXXX is deceased. I want to pay off the loan # XXXX and have the title transferred into my name, XXXX XXXX XXXX Attached is the death certificate. 
XXXX XXXX Since I didn't get a response I drove to their branch in XXXX XXXXXXXX and only got to speak with a receptionist who made a copy of my driver 's licence and the death certificate and said someone would contact me in a couple of days. They didn't. I called XXXX XXXX and was told someone would call me back that day. They didn't. I called XX/XX/XXXX and was told someone would get back to me that day. They didn't. I called XXXX XXXX and was told the case # is XXXX and someone would call be back. They still haven't and I don't believe anoyone is going to at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to XXXX XXXX reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedXXXX XXXX on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. XXXX XXXX expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.
Product: Debt collection

I paid a full amount pay off on XX/XX/year> they did not make this account paid off. This company ended up not even be who I owed. I am trying to get my money back from the bank
Product: Debt collection

I got a call from a random Texas number that was nothing but static and then I called back and this lady with XXXX XXXX XXXX XXXX asked if it was me whom they were looking for and I said yes, and then she asked if I was able to pay And I said no, and then she said a piece officer would be showing At my house tomorrow and that she was filing something with a judge in my town that doesnt even seem to exist.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX and XXXX are now in violation U.S. Code 1028A - Aggravated identity theft U.S For not sending me Method of verification for account below that were disputed I was supposed to get documents of how credit bureaus have intimated disputes along with all procedures and findings of the investigation within 15 days of receipt Sent my address on file XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all accounts that need to be removed off consumer file Equifax, XXXX and XXXX Are also in violation Of 1681A ( i ) a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report Transaction history and experiences which all accounts above in violation 15 U.S. Code 1681e mandates that consumer reporting agencies, like Equifax and XXXX, maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. However, it seems they are not adhering to these standards. 


So I will give XXXX, equifax and XXXX 30 days to remove accounts from report If information is not removed I will take action to find a resolution By Filling a identity theft report against Credit bureaus Making a Complaint with the federal Trade commission FILLING A XXXX  complaint And filing a Congressional inquiry with congress To Have that Governing body investigate why Credit bureaus are reporting non disclosed information that is supposed to be excluded from Consumer report
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report that is inaccurate I sent letters out to the credit bureaus concerning this inaccurate information. They refuse to update the late payment. The only late payment is showing on XXXX the other XXXX  and XXXX does not report the payment late. 

Self lender institution reported on { XX/XX/XXXXXXXX XXXX XXXX } your company furnished a transaction as Late to XXXX. 

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've mailed multiple letters to Equifax disputing an inaccurate account on my credit report. I've pointed out these inaccuracies and this Equifax continues to allow this inaccurate information to be reported on my account. The account that they are reporting is an old auto loan, they are reporting that I'm 120 days late when I am not in possession of the car. The open date, last date active, account type, and payment status are reporting incorrectly and are a clear violation of my rights. Furthermore, I have not yet received a response from this bureau to date. I have attached a copy of my credit report highly these errors along with copies of the letters I've mailed.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven XX/XX/year>. They are still on all of my credit reports showing a balance and that they are still in open status. I would like all three credit reports to show all of my mohela accounts paid in full and closed.
Product: Mortgage

I received notice on XX/XX/year> that the mortgage on my rental condo would be transferred from XXXX XXXX XXXX to NewRez and that no action was required on my part. The escrow statement dated XX/XX/year> shows an anticipated charge for hazard insurance in the amount of {$5500.00}. However, the hazard insurance on the condo is paid via the HOA. The {$5500.00} is the amount of hazard insurance for my single family home. The loans for both of these properties were transferred from XXXX to New Rez. I discovered that one of these companies had incorrectly charged the hazard insurance for my single family home to the escrow account for the condo. I have contacted NewRez multiple times, via phone and their online email service about this matter, explaining their mistake and requesting that they make the correction. They have increased my mortgage payment to cover what they show is an arrears in the escrow account. I have provided NewRez proof that I am current in my HOA payments and that the HOA has paid the hazard insurance. 
I'm not sure what else to do. I don't want my credit dinged or the condo to be sold to cover I debt that is bogus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiry is currently being reported inaccuratly on my Equifax consumer report. This is a violation of FCRA rules sec. 1681 XXXX XXXX reports with no permissable cause, no loan or credit has been award. 

I did not give permission to creditor to run my credit.
Product: Student loan

I have 2 loans through Navient ( aka Sallie Mae ) both within a 6 month span, for nearly 5x the tuition they charge back in XX/XX/XXXX. They are private but the issue is I was the 'Original ' signor and have the paperwork to show that. But after year, they claimed my 'dad as the signor and not only that the student ' he was at XXXX and in his XXXX 's. Now come full circle to 2 months ago I am out of work, my parents both retired and well they got nasty with all of us as it was time to re-up the pay as you can go program ( been doing it for 3 years ) was told that program doesn't exist and your lucky to be even in it hasn't existed for 2 years? Yet have been in it for last 2 years. The other end saying you make way more than your claiming and we must talk to the 'signor ' which i haven't been for 12 years but all of a sudden I am. Not only did my parents income drop, but now they are claiming I am the signor but since the loan was taken out on the original papers returned I am not, I demanded that paper work and they won't comply whatsoever and was hung up on when asked. In the past for bad and miss use a layer of Navient out of XXXX contacted me and removed 2500.00 plus off the balance. But now they are just coming for the throat, loss of income, not working yet they want 300.00 plus more a month by telling me a program that does exist and shows on their website today at this current minute 'does n't exist and sorry ' Not only that we as ending the last program as they claim as 'gone ' was told XXXX XXXX, XXXX payment XXXX, now they are saying 2 months behind for XXXX as charging late fees and service fees and what not.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to 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
Product: Student loan

On XX/XX/XXXX I was supposed to have my student loans I had already excepted him and they were ready to come in and XXXX XXXX went into my account like he always does he always ask my passwords trying to steal morning and went and told the loans that I didnt need them anymore which luckily I called them but he has no business going through my passwords or even being on my Wi-Fi. Being that we dont live together and shouldnt be anywhere in the same town but he does not know how to respect boundaries because he has a common thief
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

I have been disputing information and requesting corrections on my credit since the beginning of XXXX. At the end of XX/XX/XXXX I began to see incorrect and inaccurate information still existed on my credit report and reached out AGAIN to dispute. My personal information should ONLY be listed as instructed in my letter. ALL differences and variations must be deleted immediately. Equifax ignores me and send stall letters to tell me that they dont even think that it's me who is mailing them my letters. Huh? Who would try to correct my issue other than me? You can not continue to ignore my requests and report what you want to on my credit. According to Cushman v Transunion 1997, XXXX is required to ensure MAXIMUM POSSIBLE ACCURACY. This information violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC1681b. 
This bureau also allows anybody to access my report without permission! Unheard of! Plus this bureau has not even responded with investigation results within the specified XXXX  days. I am demanding that everything be deleted immediately.
Product: Debt collection

I was contacted to by Credence Resource Management to collect a debt of {$610.00} from a XXXX XXXX account ( # XXXX ) in XXXX XXXX, TX. I have always resided in NJ, and do not know anybody in Texas. I contacted XXXX XXXX directly, and they confirmed they have no account under my name. The account number provided as confirmed by XXXX XXXX customer service is not associated to me. I even put them on a conference call to confirm that there is no account under my name. The Representative from Credence Resource Management, " XXXX XXXX, '' which I do not believe is his name because he has a very heavy XXXX accent, insists that I have to fill out paperwork with my information so that they can stop calling me, even after confirming with XXXX XXXX  on conference call that there is no account on my name. Also as confirmed by XXXX XXXX, they do not use this company as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is t
hat possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

It appears a medical vendor failed to disclose total amount of charges and failed to contact me directly about sums due. 

Sent to collections without notice to me and collection agent failed to contact me or confirm contact. Collection agent filed negative report on XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 , 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

M & S Recovery Solutions contact me staring that they received my information from XXXX for a debit and threatened to sue me if I did n't comply with the terms I advise M & S Recovery Soultions that I have knowledge of this debt and do not call me again and the representative on the phone said well saying you have no knowledge is like saying you do n't have a brain. I told him he should not contact me again and before I could hang up he said that M & S Recovery would be sending my personal information to the credit agencies. I contacted XXXX acceptance perviously the originating company and advise that I did not apply for any credit with XXXX and a representative stated that they did n't have any information with my personal information. M & S Recovery Solutions LLC are attempting to threaten me into paying a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have always paid my bill on time with my mortgage company but I now have a 30 day late payment on my report. I recently tried to get a home loan and i noticed that they have the late payment reporting on my credit report. I was set up on auto payment so i never could've been late. It's damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have had no success. Any assistance you can give would be greatly appreciated. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported 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 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}
Product: Credit card or prepaid card

When credit card companies advertise interest-free payment plans that have an associated fee ( i.e. " pay off this purchase in 12 monthly payments with no interest** '' ), shouldn't the fee be clearly expressed as an APR so consumers can clearly understand and compare the costs vs paying interest? Using the term " free '' in this context is misleading. Fore example, a {$21.00} dollar fee on a {$100.00} purchase spread over 12 months is equivalent to a 21 % interest rate and should be disclosed as such so the consumer can make an informed decision -- not hidden in fine print or footnotes, and not requiring the consumer to do the math. Some banks offer a total cost estimate for purchase plans, which may be somewhat helpful in making purchase decisions, but makes it harder to compare fee-based vs interest-based costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$220.00}
Product: Debt collection

In XX/XX/2020, I sent a dispute letter to Navy Federal CU requesting that they verify debts that are being reported to the credit bureaus ; a total of 5 accounts being reported. I included my social security card and driver 's license. The requested items included : A summary of all account activities Copies of documents and financial instruments used to pay the disputed items Copies of all promissory notes and other documents to prove indebtedness I received a response back from NFCU, on XX/XX/2020, that they needed my access number to verify the accounts. However, my access number was printed on their response letter sent to me, so they obviously knew who I was and was able to pull my information based on the identification documents provided. 

While disputing these accounts with the credit bureaus, I sent an follow-up letter, on XX/XX/2020, with all account numbers that were being reported to the bureaus, and asked for the same verification documents ; which is my right under the FCRA and Title 15, Section 1666 of the US Code. My response letter stated that if they could not provide the documents within 30 days required by law, then they should proceed to delete records from my consumer reports. During the dispute with the credit bureaus and NFCU, NFCU continued to report this debt and even updated the account numbers that were reporting on my credit file. 

The response to me from the Consumer Loan Services Supervisor, of NFCU, on XX/XX/2020, was that they have investigated my claim and the debt is accurate. None of the requested items were provided that are required under law, and til this day NFCU continues to report the updated 4 accounts to the credit bureaus.