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

I had an auto lease with XXXX XXXX XXXX they are a division of the XXXX XXXX XXXX that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the 3 credit bureaus to no avail. I have written XXXX letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.
Product: Consumer Loan

I recently purchased a new vehicle through a local dealership in XXXX, VA. The dealer set me up with Suntrust as my lender ( I 'm not sure if this was based on the lowest rate, or that he was incented by Suntrust to push them - He claimed he got box seats to the Washington Nationals game from Suntrust and was going that weekend ). Once I was approved and my loan established, I registered online ( as I 'm an online / digitally engaged person ) so I could regularly pay my bill there. Suntrust does n't allow online payments outside of having an account with them - So I am now being forced to make a financial decision ( open a new account ) with Suntrust to pay them. I called and asked if I was going to have to pay by phone now and they advised that there is a {$15.00} charge to pay by phone. I was not disclosed any of this information when choosing Suntrust as a lender - If I had known they operated this way, I would have chosen a different lender ( even if the rate was higher ). It feels as though this borders ( or holistically lands in ) UDAAP territory as they did not clearly disclose this information to me in making my financial decision.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. 
Company has not provided proof or evidence of anything It by law be deleted off my report or Ill ask the court to compel Company to produce the notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX/XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX  XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my file that may be leading to fraudulent accounts being opened in my name. Please see attached document
Product: Checking or savings account

I was being scammed very badly, and was tricked into withdrawing {$16000.00} in cash, completely emptying my checkings. After first transferring all of my savings into checkings. Chase violated their own rules and regulations in allowing me to withdraw this money, no questions asked.
Product: Credit reporting or other personal consumer reports

" I have fraudulent inquiries on my credit report that I demand to be removed immediately I have already filed a FTC complaint, the following are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself.
Product: Vehicle loan or lease

At the end of our lease new car lease financed with Hyundai Finance we decided to purchase the car. I called for payoff amount and instructions and I was given inconsistent amounts and was told I would need to have the dealer inspect the car even though we were buying it ourselves. Once I confirmed that no inspection was needed and obtained the correct payoff amount I paid the full payoff amount prior to XX/XX/20. The following month I received a call from the company requesting a payment for XXXX. I told them I was expecting the title because I paid off the loan. They put me on hold and confirmed that the payoff had been received. I wanted assurance that my credit rating wouldnt be affected and they said I would need to call the payoff department because if it was affected it was their error. When the title didnt arrive after two months my husband called and was told they sent the title to a wrong address in early XXXX. Since the address they allegedly used doesnt exist and it is different from the address theyd used for our lease bill for three years they should have recognized the error long before we called but they were unapologetic. They promised wed receive the title in 14 days. We received nothing after three weeks and he called back and was told we would receive the title in 10 days. That time has come and gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion, XXXX, and XXXX not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.
Product: Bank account or service

bank of america contacted me to say my debit card had been compromised and closed the card. i called the fraud department and theywent over the charges that were not mine and i rcived a credit the next day. 
on XX/XX/XXXX i looked at my account and saw they took the money back and called them the associate told me to give him a couple of miutes to readthe notes but did not mute phone. 
He read the notes from the screen out lould saying i was being denied because i showed no signs of urgency, i was not upset and did not put to much intrese in the situation so he came back and said te claim was closed and if i wanted to reopen i have to fax in a letter and gave me the numer. 
I find this unfair, degrading and ilegal that they contacy mr knowing the charges are fraud and then acuse me of making them becaus i dont get worked up. 
clai # XXXX and claim # XXXX
Product: Student loan

Greetings. Prior to the pandemic, I was owing {$160000.00} ( XXXX principal and {$15000.00} interest ) in my student loan. I made payment towards my loan during XXXX. The total amount paid totaled about {$78000.00}, leaving me with a balance of {$84000.00}. Due to recent financial difficulties I requested the money be refunded to me as prescribed by the cares act. This occurred sometime around XX/XX/2023 when I was still with Ed financial. The agent I spoke to confirmed my request and said she processed it. She informed me that it will take about 60 days to receive my check in the mail. Shortly after this, I noticed my loan amount had increased back to the previous amount of {$160000.00}, which makes sense as I had requested the payment originally made be refunded to me. 

On XX/XX/XXXX my loan servicer was then switched to XXXX. After the 60 days had elapsed and I had not received my check in the mail as expected, I reached out to XXXX who could not see that I made payments during COVID and that I had requested a refund either. All they could see on their end was that I owe {$160000.00} ( No mention of the {$78000.00} paid prior or refund request that was supposedly submitted ). Because they have no history of my previous payment, they are unable to make any refund request on my behalf. I called Ed financial, and they said they requested the refund, but they are unable to tell me the status of my refund request or what was delaying the check. I even logged into studentaid.gov website which show my previous payment of {$78000.00}, but make no mention of the refund request and reports a balance of {$160000.00} ( Which inaccurately insinuates that my pre pandemic total loan is XXXX + XXXX ). 

It seems like the money I paid towards my student loan has been erased because I have not received my check as requested and my loan balance has returned to the pre-payment amount and no one is able or willing to tell me where my money/ refund is. I keep getting the run around. XXXX is unable to help me because they do not have the full record and Ed financial is giving me the run around. I tried calling the department of Finance, but unable to get a hold of a human on the phone in order to discuss my situation. Can you please assist me by figuring out if my refund was actually and accurately submitted to the department of education. If it was, I need to figure out where and when my refund will be sent to me. If it was not, I need the application resubmitted or have my loan amount updated to {$84000.00} instead of {$160000.00} to reflect payment already made since they are not refunding my payment.
Product: Credit card or prepaid card

Last week, I became aware of an XXXX XXXX XXXX CitiBusiness Platinum Select Master card that was opened in my name. I called to try to check on the balance of the card and possibly cancel it, and since I was not able to provide the " security word '' for the account, they would not allow me access to the card. I had already explained to the individual that I did not open or setup the account so I would not have access to any information about the account. 

I reported the card as stolen and received a new card in the mail and they will not activate the card or give me any information about the account that was opened in my name. I finally requested that the card be cancelled and they said they could not do that. I requested to speak to a supervisor and was disconnected each time I called.
Product: Credit reporting or other personal consumer reports

Kansas Counselors, not my account.. Three different charges.
Product: Debt collection

I am not liable for this debt with 12 XXXX and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. 

Account NoXXXX Amount Disputed : {$10000.00}
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Cashapp sent me a debit card I did not request. I reached out to Cashapp for help and they did not help me.
Product: Credit reporting or other personal consumer reports

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Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for credit cards and seen new inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX I received a Home Depot bill reflecting charges of XXXX which I did not make or authorize anyone else to make. I contacted Home Depot on XXXX, spoke to XXXX, employee ID XXXX and told him the charges were fradulent. He said I would receive an affidavit within 7 to 10 business days. I never received the affidavit. 
I filed an online incident report with Fresno County Sherrif office. 
On XXXX I received another Home Depot bill reflecting additional new charges that totalled XXXX. I contacted Home Depot again and spoke to XXXX, employee ID XXXX. I told him I did not make or authorize anyone else to make these additional charges and had not received an affidavit. He said he would send a new affidavit in 7 to 10 business days. I never received the second affidavit. 
On XXXX I received a letter from Home Depot stating that I was responsible for all the charges. I contacted XXXX, a company that assists people who have sustained identity theft. This company was hired by my previous employer because they had a data security breach. 
Together XXXX and I contacted Home Depot ( CITI Bank XXXX spoke to XXXX, employee ID XXXX and explained the situation to her. She said she would transition the fradulent charges to a fraud account, send an affidavit and I should receive it within 7 to 10 business days. I never received the third affidavit. 
On XXXX I contacted XXXX who advised me to file a complaint with CFPB. I do not have access to a scanner to scan all documents. I would like the opportunity to include more documentation.
Product: Debt collection

Hello, I 'm in the process of buying a home. I had a debt that I paid to a collection agency and I need confirmation that I paid on the account to purchase my home. The collection agency is telling me I have to wait 30 days for a realease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier today, someone else fraudulently used my name, address, and a fraudulently obtained copy of my photo ID to issue three fraudulent complaints with the Consumer Financial Protection Bureau, one each regarding XXXX, TransUnion, and XXXX. Those complaints are complete nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
CHILD SUPPORT ENFORCEM XXXX XXXX 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 XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a violation of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) - ( iii ). Specifically, the items in question were previously deleted from my credit file, but you reinserted them without notifying me within five business days or certifying that the items were properly validated.

I demand that you immediately delete these items from my credit file. Failure to do so will leave me no choice but to pursue legal action.

Please address this matter promptly.
Product: Debt collection

Original Creditor Name : XXXX XXXX XXXX XXXX Opened XX/XX/2017 for {$890.00} Opened XX/XX/2017 for {$310.00} Opened XX/XX/2017 for {$210.00} Called the XXXX XXXX about details for the charges, receptionist stated to call debt collection agency as it was already transferred.
Product: Debt collection

While a tenant of an apartment building in XXXX, I moved out pursuant to rental agreement and paid 100 % of all bills. Thereafter, they reported me to a debt collector for outstanding water bill for $ XXXX for the month AFTER I left. I was told to contact the owner via a specific email address. I did contesting the bill as invalid, $ XXXX was not close to actual water bill and I had moved out. I never received a response. 

Instead, debt collector - Sentry credit - reports {$100.00} in collections to credit bureaus ruining my credit. They only sent a letter to my XXXX address that they knew I had vacated in XXXX ( that was the entire bill to begin with, was for moving out ). I have documentation that bill is under dispute, and even the owner admitting that it was invalid. 

Sentry credit never notified me of the debt, they sent a letter to an address they knew I had long vacated. They knew the debt was under dispute. Today, they aren't fixing the credit damage caused.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

E Oscar XXXX XXXX : True identity fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX these accounts have 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 an 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$4800.00}
Product: Debt collection

i HAVE SENT THREE CERTIFIED LETTERS TO THIS COMPANY DISPUTING THIS AND I HAVE RECEIVED NO REPLY. I HAVE ASKED FOR VALIDATION OF THIS DEBT BEARING MY SIGNATURE PER CERTIFIED MAIL STILL NO REPLY THEY HAVE NOT MARKED MY ACCOUNT AS DISPUTED WITH ONE OF THE CREDIT BUREAUS AND ITS BEEN WELL PAST 30 DAYS THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND THE FAIR DEBT COLLECTIONS PRACTICING ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN 30 DAYS