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

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 US Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company. 
Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Product: Student loan

I cosigned a loan for my son at XXXX XXXX XXXX XXXX and he decided to leave school and enroll in the XXXX. While serving as an XXXX military member in XXXX, Navient took over his XXXX XXXX loan and did not properly defer his payments while XXXX. He is now having trouble with anyone trying to help him at Navient and they have instead decided to just bypass my son and come after myself with threatening letters, phone calls morning, noon and night to both myself and any family members they think they can track down. They also do not provide any loan statements or information on balances, payments made, etc. You waste your breath trying to talk to these people because they just want to hound you.
Product: Credit reporting or other personal consumer reports

Transunion is still reporting a US Dept Of Education Loan account XXXX that was forgiven, as being open and with a balance. XXXX and XXXX removed the account when it was forgiven, but Transunion still has it showing as open etc.
Product: Checking or savings account

Citibank claims it closed my account in XXXX, 2024. They refuse to disburse my balance, and provide a statement of account. 
I am told by CFPB, to call a number. I have called that number, and each time told a new agent is handling my case. XXXX, an officer, told me on XX/XX/year>, in 10 days the back office would clear my check. 
Citibank is making no effort to fulfill its legal obligations, and I demand my right of binding arbitration, within 30 days, at Citibank expense. 
There legal department in XXXX XXXX, South Dakota is XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, SD XXXX will be notified by tracked mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a certified letter to Synchrony bank, they signed for the letter on XX/XX/XXXX. In that letter I requested validation, made pursuant to the Fair Debt Cololection Practices Act and the Fair Credit Reporting Act, that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. 
On XX/XX/XXXX they responded with a generic letter that did not contain my signature or any form of a contract with them. 31 days after they signed for the first letter I sent them, they did not mark my account on any Credit Bureau as disputed. 
On XX/XX/XXXX I sent a letter stating that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
I have evidence of their violations such as, the original letters that I sent, time stamped credit reports, their responses as well as documentation provided by the USPS showing when they received each letter from me.
Product: Vehicle loan or lease

I had a loan with Credito Real USA Finance , LLC in XXXX. I was paying perfectly never a late payment until my mother went into the hospital in XXXX. The loan was charged off in XXXX with me owing just over {$5000.00}. I disputed some incorrect information they were reporting and in spite they changed the amount that I owed. Every month they report this charged off account as a late payment and they continue to they charging interest on a charged off account. This was NEVER in the agreement that I signed saying I will pay interest on a charged off account. They amount owed is well over {$10000.00} now. That's double the amount that I owe. Since this account was charged off at just over XXXX at which point the account by law is closed to future charges. Per your agency 's guidance a debt collector may not collect any interest or fee not authorized by the agreement or by law. This company is obligated by the Truth in Lending Act to send monthly statements which I have not received. 

Under the code of the District of Columbia XXXX the collection of or the attempt to collect any interest or other charge, fee, or expense incidental to the principal obligation unless such interest or incidental fee, charge, or expense is expressly authorized by the agreement creating the obligation and legally chargeable to the consumer or unless such interest or incidental fee, charge, or expense is expressly authorized by law ; Again I didn't signed anything stating this.
Product: Mortgage

my husband and I are currently applying for a modification and we have left several messages for our assigned representative and his supervisor ... XXXX and a XXXX. we have not heard back from wither of them. I spoke to the collections dept who assured me that they would be in contact with us and neither of us have received a call. we have n't been denied or approved and the foreclosure process has started. I still have n't been able to get someone to call us back and we 've faxed in all the requested docs
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported multiple errors on my credit report including XXXX XXXX XXXX for {$5600.00} and XXXX XXXX XXXX for {$2500.00} The first dispute was done on XX/XX/XXXX and a second XX/XX/XXXX ... Both of which are still under investigation with Equafax with no response and no follow up. Please help It is far past the 30 day creditor response deadline and this information is not correct. This error in question is preventing me from being able to get another home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint to XXXX  and Transunion on XX/XX/2019 regarding my XXXX XXXX XXXX - partial account number ****XXXX wherein I am listed as an authorized user. ( Please see page 4 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.
Product: Credit card

On XX/XX/, there were multiple unrecognized transactions going through my Apple credit card. I immediately contact the bank customer care and report this problem and disputed these transactions. However, almost the 3 transactions that I disputed, there was one that dose not get approved. The amount of this transaction is XXXX I disputed it again and again but the result keep coming back denied. The company send me a documentation regarding the transaction that " prove '' that I make the transaction. However, the document they sent me clearly demonstrate that the billing email, the billing name, the phone number, all did not belong to me to my family member. There should be no way they should approve this transaction and further declined my dispute request while I did not authorize or issue this transaction. I just now disputed the same transaction the 4th time, and issuing this complain.
Product: Payday loan, title loan, or personal loan

I obtained a loan through XXXX XXXX XXXX and, as part of my loan approval, I was to pay off some existing debt. The company that was to be paid off was Avant LLC. I sent a check, from XXXX XXXX XXXX, to Avant on XX/XX/20, it was processed on XX/XX/20, but the funds were not applied to pay off the loan. Avant took out a monthly payment on XX/XX/20. After noticing the payment was processed, I contacted Avant on XX/XX/20 to ask why the funds were not applied to pay off my loan, they said they would refer the matter to the resolutions department. I have sent several emails to Avant, and they have not replied. They took another monthly payment out on XX/XX/20. I called again on XX/XX/20, and was told the resolutions department would be in contact with me. Avant continues to take payments out of my checking account, even though they received a check for pay off amount over 6 weeks ago. I have a copy of the cancelled check, which I have included in all of my correspondence, but they still have not applied these funds to my account.
Product: Credit reporting or other personal consumer reports

I sent a letter asking experience to reinvestigate my accounts. Everything is not 100 % accurate. This is causing me stress, I feel helpless because the credit bureaus are not doing their job. 

According to 15 USC 1681i, Experian, XXXX and XXXX have thirty days to investigate and send me results which I have not ever received. 
They are in violation of 15 USC 1681i 15 USC 1681i ( 5 ) 15 USC 1681i ( 7 ) 15 USC 1681s-2 ( 1 ) 15 USC 1681 ( b ) ( c )
Product: Vehicle loan or lease

In XXXX of this year, I traded in my XXXX XXXX lease from XXXX 's XXXX for a new car. Despite having a few months left on the lease, XXXX 's XXXX paid off the vehicle, and I began a new lease with them. Subsequently, Hyundai billed me {$630.00}, citing Official Fees and Taxes totaling {$34.00}, along with sales, reconditioning, and transportation fees amounting to {$260.00}. Upon contacting Hyundai, I was informed that these charges covered taxes, car cleaning, and transport back to Hyundai, which is incorrect as the new bank took possession of the vehicle. 

I explained to the representative that this seemed illogical, as any reconditioning and transportation costs at the end of a lease should typically be the responsibility of the bank, not mine.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I've sent an FTC report and police report. I have not been provided with any proof of an investigation. All the fraudulent accounts on my credit report, reporting a fraudulent address. 
The Credit reporting agencies received a copy of my police and ftc report about 60 days ago, and no real investigation has been conducted by their end. i clearly reported that the address reporting on my credit report is fraudulent, that was used to get cards under my name without my knowledge. I need your help to make them to serve their purpose.
Product: Debt collection

Hi, i was a victim of an XXXX DATA BREACH more then Once. XXXX has emailed me this and I will be sure to upload it. ON XX/XX/XXXX I got an email from netcredit stating I owed them over XXXX to start paying XX/XX/XXXX, on an XXXX loan taken out that day. The amount of those rates are theft on their own. I never took out the loan and was told i was a victim of identity theft but it was getting more frequent since XX/XX/XXXX. I forwarded the emails from XXXX. NETCREDIT started if I Send them a police report within 7 days this matter would be clear. I did just that within day 4 and on day 5 they already lied and reported to the credit bureaus dropping my credit score by over XXXX points. .I sent them the police report number well ahead of time now i am reporting to the FTC . 

NETCREDIT stated once they can verify the police report they would drop this whole thing. instead they added it to my credit report.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting

ITEM REPORTED ON MY CREDIT FILE THAT HAS BEEN PAID IN FULL
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$1100.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - XXXX XXXX ) XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Public Records being challenged in list form BankruptcyXXXX ( XXXX ) XXXX XXXX XXXX ) Discharged BankruptcyXXXX ( XXXX ) - ( XXXX ) XXXX I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

I am very upset because how can the bureaus just place information on my report without my knowledge of where exactly the information even came from so I sent off a letter on XXXX to this date on XXXX I have not heard or received information from them regarding issues that are misleading and unverified I know this has to be a violation of my consumer rights because it has been over 60 days now without a response. I just hope they find out who the information belongs too and remove it from my profile. I do appreciate the quick response and the removal of inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I submitted a complaint through CFPB on XXXX and have not received any closure on the complaint.
Product: Mortgage

XXXX. XX/XX/XXXX I spoke to XXXX XXXX XXXX loan officer ) who helped me get a pre-approval letter for the XXXX XXXX XXXX. 

XXXX. XX/XX/XXXX my home offer was accepted and I started an online application with Rocket Mortgage, inquiring about the XXXX XXXX XXXX. Closing deadline : XX/XX/XXXX. 

XXXX. XXXX XXXX helped me gather all required documents from me and my co-borrower ( sister ). During the document gathering process, I was asked about my rental history in which I stated " rent free '' due to the lack of a lease contract. Was informed this was OK and the application was submitted to the underwriting department on XX/XX/XXXX. 

XXXX. Got feedback that being " rent free '' the past 24 months would disqualify me from the loan. I asked XXXX if providing a statement from my brother XXXX primary leaser ) indicating that I have actually been subletting a room and been paying rent for at least the 24 months would qualify me. Was informed yes and immediately provided a signed attestation. 

XXXX. My brother ( not me ) received a call from Quicken Loans the following day to say that statements from relatives would not be accepted. 

XXXX. XX/XX/XXXX Reached out to XXXX and was informed that either a statement instead from the owner/landlord of the residence would be accepted or statements proving rental history. 

XXXX. XX/XX/XXXX I uploaded the signed attestation from the owner/landlord of the residence and emailed it directly to XXXX. 

XXXX. XX/XX/XXXX XXXX XXXX solutions consultant at Rocket Mortgage XXXX reached out to me to tell me that there was no path forward even with the signed statement, in which I suggested I provide statements of rental history for 12 months. Same day I provided all my statements demonstrating consistent monthly rental payments, bank statements showing check withdrawals, XXXX transactions with memos that all reference a rental transaction. 

XXXX. Today I received word from XXXX that the statements provided are " unverifiable ''. I inquired exactly why it isn't verifiable if I had signed attestations from my brother, landlord, and statements of consistent rental payouts which connect all the dots. 

XXXX. They replied repeating that my rent history was " unverifiable ''. 

From beginning to end it seems the goal posts have shifted consistently and there are no clear guidelines to meet loan criteria. Even so, I have consistently provided any requested documents to meet stated criteria. I would be 100 % understandable of the loan denial if there was a criteria disclosed to me right from the start that I could not satisfy.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I put in a dispute to Transunion to delete an old public record. They investigated and subsequently deleted the old public record. Everything seemed fine until on XX/XX/2024, I was alerted to a credit score change. My credit score had dropped by XXXX points on Transunion. The XXXX reasons for the drop stated, removal of public record and account balance decrease on XXXX of my credit cards. I believe that neither of their XXXX reasons would cause a decrease in my credit score, in-fact it would increase my score. I called Transunion on XX/XX/2024 and was rerouted to their text messaging center because they were closed for call. I had text conversation with XXXX who tells me that i have to pay for a copy of my report to see negative factors ( which is not true ) it is all listed on XXXX XXXX. She ends the conversation giving me a phone number claiming to have a dedicated credit scores handling team available to help me .... lie. The number she gave was for me to order/pay for a copy of my credit report. 
Today, XX/XX/2024 i called Transunion again and talked to a live person on phone, didn't catch his name. He gave me every reason ( general lists of reasons ) in the book for why my credit score decreased XXXX points including a lie about me having a recorded late payment reported on XXXX of my accounts. I immediately got off the phone with him and ordered my credit score from Transunion confirming what i already knew. There were no late payments on any of my accounts. I believe that Transunion is just making up excuses for lowing my score so i am requesting help from you in this matter. There is no disputing and any other recourse i can take in this matter as you can't dispute a credit score with them. They act as if a mistake can't be made when recalculating scores. This whole situation seems fraudulent to me. I have most everything i have stated here documented except the phone call. 

Thank you so much for any help you can give me, Truly yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is a late payment being reporting on my credit report from Macys/CBNA Account # XXXX I have never been late please update my payment history to paid on time immediately. I'm more them willing and ready to go to arbitration over this it will cost Macys/CBNA thousands of dollars in fees. 

Again please update my payment history to paid on time.
Product: Debt collection

I never received notification of my right to dispute this debt. This company reported this account to the credit Bureaus without notifying me and providing me the right to dispute this alledged debt.
Product: Debt collection

Background : Between XXXX and XXXX I owned condominium XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, NM XXXX. I sold it sometime in XXXX or XXXX and since then have had no further involvement with that property. The sale was conducted through a title company and all outstanding bills were settled at that time. 

XX/XX/XXXX : I received a demand letter ( copy attached ) from Diversified Adjustment Service ( DAS ), XXXX, MN for a bill from XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) that I did not owe. The DAS letter did not provide the service address or the service dates. I called DAS twice and spoke first with XXXX and then with XXXX. XXXX provided me with the service address which was condominium XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. 

XX/XX/XXXX : I called XXXX ( XXXX ) and spoke with XXXX. I explained the background and the DAS letter. She called me back in about an hour and apologized for the XXXX error. She said that XXXX would advise DAS that the debt had been satisfied. I asked for a letter assuring me that this " debt '' would not appear in my credit bureau file or any information that I had paid it. XXXX said she could not do that and that I would have contact DAS and the three credit bureaus individually to get any information they have corrected. I am XXXX years old and I don't need this aggravation. I believe that this bill qualifies as a zombie loan and that the statute of limitations was passed many, many years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a method of verification to the credit Bureaus asking them to verify the debt. They have already said that these items were verified correctly. My credit report Are still showing inaccuracies. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnished 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.