23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I requested for Transunion and XXXX to delete the Chapter XXXX and XXXX bankruptcies from my report. they told me that they got my information from the bankruptcy courts, but i have proof that it was not true. I then demanded that they remove this from my reports and they have yet to comply. I have given them months to rectify the situation and they have yet to comply. The courts sent their response back in XX/XX/year>.
Product: Student loan

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Product: Credit card

XXXX XXXX XXXX  charged me for charges to a guest who was linked to my trip group but was supposed to be charging that guest cabin. The parking attendant lied and stated he would pay when he left the garage and she went and charged my room before we got onboard the ship. I sent Sam 's Club Mastercard proof of my flights. Also, informed them who the vehicle was registered to in California and stated I am an SC resident and I flew in and used XXXX.
Product: Debt collection

TOTAL AND XXXX KEPT CALLING ME AFTER CEASE AND DESIST AND CEASE COMMUNICATIONS IN VIOLATION OF TCPA, FDCPA AND DSCPA INFRACTIONS.
Product: Credit reporting or other personal consumer reports

The account in question is with XXXX - Account # XXXX I have disputed this account several times about the in accurate late payment history reporting incorrectly XX/XX/XXXX 30 days late. XX/XX/XXXX are XX/XX/XXXX both being reported 30 days late. Each time the account comeback verified with the same inaccuracy. This is a last ditch effort to resolve this issue. If this account not updated I will have no choice but to take legal action against XXXX and XXXX I expect for this issue to be taking care of promptly within the given time frame. If not I will have no choice but to escalate the matter and take legal action.
Product: Vehicle loan or lease

I have been trying to find help with a situation that affects me and many others ( per posting on the web ) I am beginning to feel that if the business practices I will describe we was directed to one of the big banks, I would be getting all the help I need as there would be big media attention, etc. BB & T is a good size XXXX XXXX. 

I really wish someone would contact me by phone so I could explain in a more understandable manner but I will do my best nonetheless. 

I am basing my complaint on what I believe is an accurate legal description of fraud ( A statement need not be affirmative to be fraudulent. When a person has a duty to speak, silence may be treated as a false statement. This can arise if a party who has knowledge of a fact fails to disclose it to another party who is justified in assuming its nonexistence. ). 

SUMMARY : In three full years since I took out an auto loan with XXXX XXXX XXXX ( XXXX ), I have made a total of {$13000.00} worth of payments and yet my balance has only decreased {$840.00}. 

WHAT IS THE CAUSE? 
If someone is behind on their payments, XXXX will solicit one to accept a payment deferment. They explain the payment will be tacked on to the end of the loan. The result is that the deferred payments continue to accrue interest. The result of this, which is NOT explained, is that there is virtually no chance of a consumer ever paying their car off unless they are able to come up with a huge lump sum payment. This leaves the consumer extorted, either borrow more money to pay off the car or have your credit ruined. I OTHER INFO : There are multiple complaints against XXXX online from consumers experiencing the exact same scenario I find myself in. I ONLY find this situation with XXXX. In addition, two of XXXX 's phone representatives have told me this is a systemic issue with XXXX and that they don't care because it makes them the majority of their profit. This may explain why they are so anxious to push loan extensions on consumers. 

XXXX 's disclosures not go into more detail than they did when I did my early loan extensions. Even so, they STILL do not adequately advise consumers that they likely will not be able to ever pay off thier automobile, especially if they have more than one extension. 

CC : Office of United States Senator XXXX XXXX, The Office of US Representative XXXX XXXX, The North Carolina Department of Justice Office of the Attorney General and the Consumer Protection Financial Bureau.
Product: Mortgage

Paid off mortgage loan on XX/XX/2022, was due a tax refund from escrow account in the ammount of {$4100.00}. It is now XX/XX/2022 and Freedom mortgage is telling me I must wait 14-20 business days to receive the escrow refund. My loan was paid off well over 30 business days ago. I keep getting the run around from them. 

My local taxing authority refunded a tax overpayment on XX/XX/2022, and Freedom Mortgage finally deposited it to my escrow account on XX/XX/2022. They are now saying I have to wait another 14-20 days before they will even mail it out to me.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE RESULTS OF IDENTITY THEFT THEY ARE FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, Experian and XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigations. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to investigate disputed information in a consumer 's credit file. This law gives consumers the power to challenge inaccurate information on their credit reports. XXXX, Experian, and XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act. As highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Experian and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit card or prepaid card

U.S. Bank Reliacard has yet to solve my dispute nor have they issued the provisional credit I was told I would receive. XX/XX/2020 I called and disputed fraudulent charges on my account. I was sent a dispute form to fill out and either fax or mail back within 10 business days which I did on XX/XX/2020 and I havent heard anything back yet. The dispute form states that a credit will be issued when they receive it back. I called about 7 times since then and every rep I spoke to acted like they didnt know anything. The last rep I spoke to just said I dont know it takes time. Its annoying and unprofessional.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/year> XXXX  case # XXXX to Equifax. However the credit bureau said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation
Product: Credit reporting or other personal consumer reports

XXXX of XXXX i closed my credit card with Truist bank, they sent me a credit balance check of XXXX due to a fraud issue XXXX XXXX of XXXX truist put a charge of XXXX on the CLOSED credit card with out notifying me, no mailed statement. i noticed this charge when i checked my bank statement XXXX opened a fraud alert on XX/XX/XXXX was told they would investagate don`t pay at this time.i paid the owed amount XX/XX/XXXX all late fees and were forgiven BUT that they hit my CREDIT report with a LATE pay causing a XXXX drop in my credit score XXXX  years of perfect credit never a late pay and TRUIST pulls this stunt with a CLOSED credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX l had a payment waiver because I became extremely XXXX  due to XXXXBank America Visa contacted the three credit bureaus and stated that I was 30days late with a payment when I had a Covid19 wavier from payments. The period in question is XX/XX/2021, amt. {$870.00}, 30 days.
Product: Debt collection

The Company did not contact me about the debt. I received a notification on my credit report which will hinder my ability to obtain credit.
Product: Credit reporting, credit repair services, 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 3 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 Balance Owed : {$34000.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is noticed to principle notice to principle is noticed to agent this is to inform the CFPB once again to do a proper investigation on the companies that I have mentioned in my Previous Disputes XXXX XXXX XXXXt/ XXXX XXXX XXXX XXXX XXXXThe Department of Education Which is sold my information without my consent The List of accounts below has violated. my federally protected consumer rights to privacy and confidentiality 15 U.S.C 1681 section 602 A. States I have the right to privacyXXXX XXXX XXXX has not provided the consumer the documentation requested contracts wet signature showing I have an obligation to pay this debt The Department of Education federal student aid XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has never been a late payment neither a Balance on this account this is a fraud between all the companies. 
that I have mentioned they has been selling my information without my consent I have the right of privacy Under 15 U.S.C 1681 section 602 A. States I have the right to privacy also this is a criminal act. 
15 U.S. Code 1611- Criminal liability for willful and knowing violation in another word.

18 U.S. Code 894 - Collection of extensions of credit by extortionate.this is to inform the CFPB That's as an American and the information the aid avantage had provided to the consumer is not frivolous either fraud or schemes This the Law this is my understanding As an American,31 U.S. Code 5118 - Gold clauses and consent to sue ( 3 ) Except. As a corporation there's rules and regulations that XXXX  XXXX need to follow and by you mentioning that you do not recognize these claims as valid under state or federal Incorporated which makes you a franchise You are required to follow rules and regulations under the commercial code 3-303. VALUE AND CONSIDERATION And with all the respect that you deserve UCC-1 308 A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as without prejudice, under protest, or the like are sufficient Under the Commercial code that you need to go by by Since I have addressed this issue directly to XXXX XXXX / UCC 3-414/ UCC 3-415 This account has been paid in full by money order directly to XXXX XXXX I have been addressing this issue since XXXX The information that you sent does not apply to me I never took those courses of graphic design I took software and computer technician, and those courses cost me {$3500.00} for 6 months, which I never received a certification neither a high school diploma by XXXX XXXX XXXX. Which at the time I took because in order for me to proceed with the course I needed to be a graduate from high school. I am providing the notice of loan guaranteed disclosure statement that was provided from XXXX XXXX in XXXX When this loan was assume to be paid I am holding a cannibal for the missed proper treatment and handling and damages XXXX XXXX and all franchise companies so called federal student aid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that Experian is significantly violating my rights as a federally protected consumer. I spoke to an agent XXXX today and asked that he blocked specific accounts that were a result of identity theft and XXXX refused to block the information. I have already provided documentation which is required by federal law, yet the agent refused to block the information. I then asked to speak to a supervisor and XXXX wouldnt provide me a supervisor.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I reached out to Ally Bank Auto Loan Dept in XX/XX/2021 letting them know of financial issues we were experiencing due to the pandemic. I notified them that we were late on payment due to that and we were still in need of assistance. They were able to complete a loan payment extension for other months, but still reported my account 30 days past due for XX/XX/2021. This has impacted my family to extent that is unimaginable. We cant get refinanced on our home ( cant afford payments after pandemic employment changes and pay changes ) due to this late payment reporting. I reached out several times and all customer rep with exception of one was able to reach to management. All other stated I would get a call back. No call backs. I tried to reach Ally Bank to file a complaint nobody could help me. We have never been late on our payments, and they would not complete a good faith exception due to pandemic for negative credit reporting. These companies need to take that into consideration, all facts on the account and current situations.
Product: Mortgage

We were in anticipation of have our PMI removed soon as the interest-bearing part of our modified loan is at 81.8 % LTV ( see attached ) We also have a post loan mod. document stating LTV was at 88 % ( see attached ) .When we received a document on XXXX/XXXX/2016 stating our LTV is at 96.4 % ( see attached ) in response to our request to have PMI removed.We were completely " surprised '' unfavorably at what they were trying to do here. We feel completely trapped in a {$330.00} / month PMI payment to XXXX XXXX through PHH mortgages apparent and then blatant violation of RESPA. ( see attached ) Or else why would the amount be so much if it was n't being divided up among the entities involved? Per our mortgage documents the XXXX balances should remain separate for such calculations ( see attached ) Also note on this sheet that not only is it the wrong principal balance but also, but it is the wrong langauge as to what is defined as " late '' for their reasons for the denial of the PMI removal. They say " late payments made in the last 12 months '' not " late payments of 30 days or more '' as it should read. They have been doing things like these mentioned ever since we even tried to get a loan modification, now they are trying the method of attaching the interest bearing amount to the non-interest bearing amount which is unfair and makes it eon impossible to remove PMI. Just disgusting greed on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several law has been broken under the FCRA it over 30days Credit Bureaus never reply to my letter been sent to them to investigate my report, am XXXX XXXX about my credit based on different item been place on my report which is stopping for living my best life, I can't get any home or apt due to lack of investigation credit Bureaus fail to carry out on my credit which was so painful if I have to go to the supreme court for this I don't mind, cause many rules has been violented under the FCRA by Credit Bureaus which was really affecting me for living my best life as a lawful citizen of United State of America, I can't get a rent for myself and family, I was taken for granted my the Credit Bureaus.
Product: Student loan

I have a private student loan debt with Navient. They have been calling after XXXX in my time zone.
Product: Debt collection

I sent a letter, dated XX/XX/XXXX to Equifax, XXXX  and XXXX  requesting that they remove inaccurate information on my credit report. This issue has really distressed me and has truly affected my daily well being. This inaccurate information was from XXXX of XXXX. I was a victim of identity theft and have fighting to these account removed from my credit reports. None of the 3 credit companies have contacted me and its been over 45 days. The attached letters were what I mailed to the credit companies. I have the signed copies.
Product: Credit card or prepaid card

On both XX/XX/2020 in the amount of {$150.00} and XX/XX/2020 in the amount of XXXX, I purchased a wedding dress from David 's Bridal. Both dresses were returned. On XX/XX/2020 and XXXX XXXX, 2020, I received notice that both returns were received by David 's Bridal and a credit would issued to my credit card. After not have received a credit, I reached to David 's Bridal on numerous occasion through their online portal. I was told I had to submit my request in writing to Comenity Capital Bank. On XXXX XXXX, 2020, I wrote to Comenity Capital Bank, as I had only received a credit for the XXXX XXXX, 2020 purchase in the amount of {$140.00}, but not the XX/XX/2020 purchase in the amount of {$150.00}. See my letter dated XX/XX/2020 with the supporting documentation attached. 

I received the attached correspondence dated XX/XX/2020 from Comenity Bank indicating they had reviewed my claim and found I was not responsible for the {$150.00} oustanding on my account and an adjustment had been made to my account. See letter dated XXXX20 attached. 

Depsite the above, I continue to receive statements from Davids Bridal indicating that there is a balance due and owing, in additional to late fees and interest. See most recent statement attached hereto. 

I reached out to David 's Bridal several times through their online portal and continue to receive the same response -- to either submit my request in writing or it is still being investigated. In response to same, I submitted the XXXX20 letter indicating they had completed the investigation and I was not responsible, however, I continue to receive the same message. 

On XXXX XXXX, 2020, I reached out via telephone to Comenity Bank who indicated that they have to wait for authorization from David 's Bridal in order to issue the credit even though they have done their investigation and indicated that I am not responsible for the {$150.00} charge. I was told that they would clear the account of any fees and finance charges and hold the account. 

Following my XX/XX/2020 telephone conversation with Comenity Bank, I received the attached corespondence dated XX/XX/2020 indicating that they are " currently researching it '' and they are in need of additional information to complete their review. Which was a total contradiction to what I was told and the correspondence I received. 

I call David 's Bridal they tell me to call Comenity, and when I called Comenity they told it was David 's Bridal responsibility. 

At this point, I am unable to resolve this issue despite the numerous attempts I have made.
Product: Mortgage

LoanCare mortgage servicing failed to provide/send updated mortgage servicing information to the stated insurance company despite receiving this information from my previous loan servicing company. Consequently, the homeowner received several bills for the home insurance premium. Furthermore, the home owner has an escrow account with LoanCare with more than enough funds in the account to cover the insurance premium. 

LoanCare has continuously engaged in egregious customer service practices, which causes the consumer/homeowner unnecessary duress as well as substantial lost of time and in some cases money as the consumer attempts to resolve the issue ( s ) at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for the following debt collection companies. XXXX XXXX XXXX XXXXXXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.