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

I am writing to formally request the issuance of Form 1099-C for the cancellation of debt related to the charge-off of my auto loan for the vehicle financed through your company. This loan was fully settled through payments made by XXXX XXXX and XXXX XXXX following the total loss of the vehicle. 

It has come to my attention that your company reported the account as a " charge-off '' to credit reporting agencies. This reporting appears to be both premature and inaccurate, as your refusal to accept the first payment issued to you directly caused the account to fall into a " charge-off '' status. Enclosed with this letter is a copy of an email correspondence showing that Infiniti Financial Services refused to cash the first check issued by XXXX XXXX, which would have prevented the {$1500.00} charge-off. 

I also initiated disputes with the major credit reporting bureaus regarding the inaccuracies in your reporting, only for the disputes to be denied without adequate investigation. This has caused undue hardship by negatively impacting my creditworthiness. Your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, include ensuring the accuracy and integrity of information provided to credit bureaus. Your actions constitute a violation of these obligations.
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 XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX Formerly XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX 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: Checking or savings account

I was changed numerous overdraft fees while having funds available by the Navy Federal.
Product: Mortgage

I purchased my property back in XXXX and got the 15 years fixed mortgage with Cathay bank. As the rate went down recently, I decided to refinance it to a 30 years loan around XX/XX/XXXX. After a month of continuing late response, I finally got the decision that I was denied on the basis that my current income is not sufficient for their requirement. I applied the refinance for investment property and provided my tax return showing consistent rental income for the past two years. Based on my calculation, the rental income should be more than enough to cover all expenses and I also showed my debt/ income ratio to support this. I emailed them asking for their detailed calculation trying to have an open conversation on details that we might have misunderstood. I listed my calculation of the debt/ income ratio ( 25 % ) which is significantly higher than their requirement of 43 %. the mortgage officer just ignored my inquiry and mentioned they have considered all the numbers. I have our email communication as proof of evidence. I was just left as a confused mortgage consumer and was not provided the kind of professionalism expected from a valid bank.
Product: Checking or savings account

I have been trying to log into my AXOS  checking account to pay my mortgage since Saturday, XXXX/XXXX/2022. I recieved a message that they are performing scheduled system maintenance. I tried again unsuccessfully on Sunday, XXXX/XXXX/2022, so then I called the bank where I was told their servers were down but the expect the problem to be resolved within a couple of hours. I tried again today, Monday XXXX 2022, and I recieved the same message that they are performing scheduled systems maintenance. I took a screenshot in case you need to see. I called the bank and was told there is no problem, my account has been frozen until further review, which could take 24 to 48 hours. I asked to speak to someone with more information, perhaps her boss, and was told she can not transfer phone calls. Having received three different responses, I don't know what to believe, and I have NEVER been told I can not be transfered to someone that might be able to clarify the problem.
Product: Credit reporting or other personal consumer reports

I was shocked to find an unauthorized inquiry on my credit report today, and I have no clue why its there. I always check my report, but this time, I noticed unexplained discrepancies that shouldnt be there. I even tried refreshing my browser multiple times, thinking it was a display error, but nothing changed. This situation is beyond frustrating, and I expect my submitted documents to be reviewed carefully so I can stop stressing about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Experian took more than 30days to complete my investigation. 

I sent Experian my request to investigate XXXX XXXX  Account XXXX IN XXXXThey respond another lender purchased the account, but they did not validate the debt. I again mailed the request XX/XX/XXXX XXXX  which they received XX/XX/, tracking number ; XXXX for them to investigate because Im concern the information on my credit is incorrect. 30days has passed and Experian has not notified me of any investigation results. 

I attached my credit report which shows the credit bureaus reporting incorrect date open. Incorrect last date reported. Incorrect last date active. This is a violation. This is impacting me from moving forward to buy a car for my growing family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX Date : XX/XX/year> Equifax Dispute Department XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute of Medical Collection Account Request for Immediate Removal Dear Equifax XXXX Department XXXX I am writing to formally dispute the medical collection account listed on my credit report under the name of First XXXX XXXX XXXX XXXX which pertains to charges from FL XXXX for XXXX XXXX 
This account is being inaccurately reported by XXXX XXXX XXXX XXXX. 
On XX/XX/year>, I submitted a formal complaint against XXXX XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ) under complaint number # XXXX, requesting full validation of the debt as required by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Health Insurance Portability and Accountability Act ( HIPAA ) XXXX XXXX XXXX XXXX XXXX responded on XX/XX/year>, stating that they obtained an itemization of charges from the creditor and that the account remains marked as disputed. However, they failed to provide the legally required documentation, such as the original signed agreement or contract verifying this debt, nor did they address HIPAA compliance issues. 
Given that XXXX XXXX XXXX XXXX has not provided sufficient documentation to validate the accuracy of this account, I request that Equifax immediately remove this account from my credit report pursuant to FCRA 15 U.S.C. 1681i, which mandates the deletion of inaccurate or unverifiable accounts. 
Please find enclosed the following : XXXX. A copy of my formal CFPB dispute against XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX. XXXX. 2024. 
Their response dated XX/XX/year>, acknowledging the account is in dispute but failing to provide proper validation. 
A copy of my identification and proof of address for verification. 
I expect this account to be removed from my credit report within the 30-day investigation period as required by law. Additionally, I request that an updated copy of my credit report be provided to me once this account has been removed. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING 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 ACCOUNTI WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

Our mortgage lender qualified us for a 5/1 ARM VA Jumbo 100 % financing loan at 3.125 % interest for {$590000.00}. On XXXX/XXXX/2015 we opened up escrow on a home. 12 days before our close date ( XXXX/XXXX/15 ) our mortgage lender contacted us via telephone to inform us that we have been approved for our loan ; however not the initial 5/1 ARM VA Jumbo loan- unless we were to put 25 % down of the difference from {$410000.00} and our purchase price. Our lender stated that we are able to receive a fix rate 30 year mortgage at the interest rate of 3.875 % without any lender credit or an interest rate of 4.125 % with a {$3500.00} credit. The reason the 5/1 ARM loan was denied after the underwriting approval is because of some kind of " overlay '' that the underwriter " missed ''. The reason for this " overlay '' is not associated with anything questionable in our finances, credit score, debt to income ratio or anything else on our end. I have contacted other lenders which all have informed me that our lender should have known this before we went into escrow. I feel that our lender used a bait and switch tactic to get us this far into the escrow process thinking that we would just go with a higher interest. The change in the interest rate would increase our monthly mortgage by at least {$400.00} a month. I have asked if there is any way our lender could work out the current issue with us, but they gave no other options. One day after the previously mentioned complaint, we received a conditional loan approval for the product 5/1 ARM VA Jumbo 100 % financing at 3.125 % interest directly from the loan processor of the loan company in question. However, our loan officer still denies that we were ever approved for such loan terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX response was that my forbearance was for XX/XX/XXXX until XX/XX/XXXX. I have never requested a 4 month forbearance. Go back and listen to the conversation and check my history. I have ALWAYS got and requested a year long forbearance. It makes absolutely no sense to give me a 4 month long forbearance. The new semester doesnt even start until XXXX of the following year. The customer representative made a mistake and XXXX needs to rectify it. It is unacceptable and make absolutely no sense to give anyone a 4 month long forbearance. That is predator tactics. After speaking with a supervisor months ago he told me that the Call was recorded and the the department would refer back to that one. He said that I went back into repayment because it was assumed that I was starting a repayment plan. Which is false. And I will get the recording if needed. The only thing I asked the CSR in XX/XX/XXXX was if I wanted to start repaying what were my options in which she told me shed email some options to look at into the future. I am at the point now where if needed, I will get a lawyer to request the audio history of the call. I went into repayment due to a CSR error and that phone call needs to be revisited by the XXXX Credit Bureau ASAP. I always have requested a year forbearance why would that suddenly change!? 




My Original Complaint : My XXXX account was reported missed and delinquent 90 days in XX/XX/XXXX. It was wrongly put into repayment when I specifically requested a forbearance in XX/XX/XXXX meaning XXXX wouldnt have been in repayment until XX/XX/XXXX. I sent two certified letters to the XXXX credit Bureau because they only accept letters. I sent one in XX/XX/XXXX and one XX/XX/XXXX. I was told via a customer service manager that the bureau has 30 days to respond. However they have yet to respond to either letter. My complaint is that this company are crooks. They destroy lives and credit. And their business practice is unethical. I have a incorrect credit report with no way of fixing it.
Product: Mortgage

My personal experience that occurred on XX/XX/2018 with our builder ( seller ) which also happens to be the branch manager of a mortgage company were no longer offering FHA loans. When my loan officer was working for landmark mortgage the builder ( seller ) wanted to roll in the closing costs of approximately {$9500.00} into the loan. This was a great idea. However, when i went shopping around for a better rate with other mortgage companies he found out was very upset and told me that if I chose another lender besides his preferred lender, he would not help me pay for my closing costs ( or roll them in ). I have documentation where he stated that he would not honor what he originally had promised us. I spoke with him that he originally was going to assist me by rolling in the closing costs and he agreed. However, he signed amendment he will void the amendment if i decided to go with another lender or mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know who it is that governs Experian but I am trying to find out. I have been diligently monitoring my credit for the last XXXX  years. I've never missed a single payment and have exceptional payment history on all my accounts. Never the less I can not get my score to go above XXXX or out of " fair '' into " good ''. Now for the last XXXX  years I had a debt that went into collections show up on my report. I wasn't mine. I disputed it twice but got nowhere. So I assumed that having something in collections on my report was keeping me from a better score so I just paid the dang thing to get it off my report. The same day it showed up as paid on my Experian report my score then DROPPED XXXX points. I couldn't XXXX believe it. How is it possible that a guy with exceptional payment history and XXXX debt in collections to have a better score then the same guy without a debt in collections. Experian plays with my score like a yo yo. Because they give me such a low score and won't raise it I am only able to get a couple credit cards with {$500.00} or less limits. Altogether I have XXXX cards with a combined total credit limit of {$1300.00}. That is less then I make a week but if I were to max them all out my score would drop a XXXX points. Less then I make a week and even though I pay them all off every payday. We have given Experian to much control over people lives since what they report does in fact effect peoples lives. When you try and ask them these questions about your score they pass the buck telling you to seek a credit advisor. The problem is a credit advisor isn't the one who dropped my score after paying off a bad debt Experian is ..., I would also be interested in knowing why it is that if charge {$480.00} on my credit card which is called significant increase to XXXX XXXX  usage it shows up almost the same day and drops my score but takes weeks to show them being paid off.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality as a consumer under 15 USC 1681. 

XXXX XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Amount : {$1300.00} XXXX XXXX XXXX Closed Date : XX/XX/XXXX Amount : {$830.00} XXXX XXXX Closed Date : XX/XX/XXXX. Amount : {$750.00} XXXX XXXX XXXX  XXXX. Closed Date : XX/XX/XXXX. Amount : {$350.00} XXXX XXXX XXXX Date Assigned : XX/XX/XXXX. Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX  Date Assigned : {$2400.00}. Amount : {$2400.00} 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.

15 U.S.C. 1681 section 602 a., states that I have a right to privacy!

15 U.S.C. 1681 section 604 A section 2., state a consumer porting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 6 ) states the name, address, and telephone number of any medical information furnisher that has notified the agency of its status 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( a ) state a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

15 u.s.c. 1681s-2 ( a ) ( 1 ) ( b ) states a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have repeatedly disputed the accuracy and or ownership of the above mentioned accounts directly with the companies and or persons and the consumer reporting agency without out avail. I file the complaint in earnest with the best intentions of resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED EXPERIAN NOT ONCE BUT SEVERAL TIMES ABOUT THIS SITUATION AND THEY CONTINUE TO IGNORE MY CLAIMS. 
THEY HAVE REMOVED ALL THE UNOATHORIZED INQUIES BUT HAVE KEPT THE ACCOUNTS, SINCE THEY REPLY THAT THEY DONT UNDERSTNA DMY COMPLAINT I WILL UPLOAD MY MAIL TO THEM ONE MORE TIME AND HOPE THAT THEY WORK AS PER FCRA IMMEDIATLY Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 Sec. 1341
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, my cousin used my SSN to opened auto loan account at XXXX XXXX XXXX CA XXXX without my permission. I did not notice until my fico score dropped down alot cause he missed 04 times payment. I know it is him because his mom told me that he bought a new XXXX car at XXXX and I find out there was XXXX auto loan in my credit report.I asked my aunt and she showed me the contract, I went straight to the XXXX XXXX XXXX and store XXXX confirmed that is my cousin used my SSN to opened auto loan account.I already reported police but look like they do nothing for my case.My aunt already paid off for his car, but 04 missed payments are still available in my credit record, it make my auto fico score poor now. It is unfair for me.
Product: Money transfer, virtual currency, or money service

Responded to an offer on XXXX for the sale of 2 used carports Seller indicated they were a business specializing in reselling carports that had been repossessed. 

2 transactions were made using XXXX through the PNC mobile banking app. 
XX/XX/2022 {$700.00} XX/XX/2022 {$270.00} Installation was supposed to occur on XX/XX/2022, seller contacted me to advise that their crew was behind schedule due to storms in their area slowing work and would not be able to attend until the next day XX/XX/2022. 

The next day they contacted me to assure me they would personally {$100.00} off the cost of each carport if I would allow them to install the carports on XX/XX/2022. This back and forth with the seller contacting me to advise it would be the next day and the next. 

I advised the seller I was cancelling my order and wanted the money refunded on XX/XX/2022, seller advised that they denied the XXXX transaction and the money should be refunded in 1-2 business days. 

Due to the way the interaction had been going with the seller I went to my bank to file a complaint about the transactions, I was advised I would have to speak with their XXXX complaints department, they made it clear from the onset of the call that it was likely they would not reverse the transactions and on XX/XX/2022 I received a letter from PNC indicating this was the case.
Product: Credit reporting

The credit bureau is reporting a bankruptcy on my credit report but the court does not verify that information. Therefore that information was pulled out of a third party reporting agency therefore it must be removed and deleted completely from my report. I would appreciate it once deleted to be notify via email. My email address is XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

im freaked out. im trying to get an XXXX  and cant because of this account thats not mine!! 

i took a look at my credit report and saw XXXX XXXX XXXX their account number is XXXX and opened on XXXX please delete this account so i can move. ITS NOT MINE!!! UGH