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

XXXX  Auto Loan was paid off to the original creditor XXXX XXXX XXXX XXXX. I have included the lien release letter and a payoff letter dated XX/XX/XXXX received from XXXX XXXX XXXX XXXX. I, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, private civilian do NOT have a contract with the entity United Auto Credit XXXX The new Creditor : United Auto Credit - Debt Amount : {$37000.00} - Date Of Assignment : XXXX XXXX Request was made to caller for a copy of contract ( with wet ink signatures by the lXXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), XXXX  XXXX and XXXX and still nothing provided. Written request has been sent with notice and claim, public notice of debt discharge, notice of surety/subrogation, and debt of assignment by surety. United Auto Credit has placed false information on the credit report as a " new loan ''. [ Title 15 USC 1681n ] Civil liability for willful noncompliance, [ Title 18 USC 1951 ], interference with commerce by threats or violence, [ Title 15 USC 1692b ] Debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of a debt, [ Title 15 USC 1611 ] criminal liabilities for willful and knowing violations, [ Title 15 USC 1681b ] addresses the permissible purposes for which consumer reports can be obtained and used, [ Title 15 USC 1681c ] is to protect consumers ' privacy and ensure fair and accurate reporting of their credit information. [ Title 18 USC 1001 ] statements and entries generally, [ Title 42 USC 1986 ] actions for neglect to prevent, [ Title 15 USC 1639a ] duty of servicers of residential mortgages, [ Title 15 USC 35 ] recovery of damages, etc., for antitrust violations from any local government, or official or employee thereof acting in an official capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam the information on my credit report is inaccurate : The XXXX account that I have shows a balance of over {$10000.00} on the Experian credit report. This is incorrect as the last statement balance {$6000.00}. I will attempt to attach a copy of the statement. 
There are also 4 unauthorized hard inquiries on my credit report from XXXX made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition there were 4 unauthorized inquiries made by XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Again I will attempt to attach the letter and certified mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days any request for more time is a violation under the fair credit reporting act As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete.

Thank you, 30 days Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately  : Account Name : XXXX XXXX XXXXReason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name : XXXX XXXX  XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name : XXXX   XXXX. Reason : You failed to verify and validate all data for this account,
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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
Product: Payday loan, title loan, personal loan, or advance loan

I was in a hard spot and took a loan knowing it was high interest which I was going to pay off immediately. They told me the interest was 446 % which I only need for a few days so I agreed and when I tried to pay off loan they told me that the I treat is only 10 % but they charge something the call credit finding fee which was 150 % more thank the loan itself and that amount is put on the owed payments up front. So instead of paying off a {$1000.00} loan I am now paying on a {$2500.00} loan with there fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my XXXX XXXX Credit Card. I submitted a dispute for this charge via the XXXX website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next XXXX business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, XXXX continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, XXXX fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and XXXX admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. XXXX fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX is agresively attempting to collect debt for Bank of America. When I requested them to validate these debts I got NOTHING back. At the same time bank of america validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to XXXX XXXX .... XXXX XXXX asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... Bank of America still has the ownership of these credit card debt notes and I was advised to settle with them. However XXXX XXXX has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  Balance Owed : {$130000.00} XXXX XXXX XXXX  Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}. 

This complaint is my follow-up to give you an ultimatum to fix the listed accounts in my file
Product: Debt collection

I checked my credit and saw two accounts from AARGON COLLECTION AGENT with the Original creditor as XXXX XXXX XXXX XXXX XXXX XXXX  for {$380.00} and for {$430.00}. I was homeless at the time of service and asked for financial assistance.
Product: Credit reporting or other personal consumer reports

15 usc 1681 XXXX XXXX was reported incorrect showing paid and not showing in any other reports all reports must match
Product: Mortgage

We were told we would receive a credit of {$2500.00} and was told we needed to pay {$1700.00} to lock in an interest rate. We did so as required and then was told we werent getting the credit as our loan would Need a manual underwrite. But, they knew that from the very beginning
Product: Credit card

i was paid my balance amount at XX/XX/XXXX, after they received my payments and they closed my credit card on next minutes, and i called Bank of America on XX/XX/24 to ask them why do they closed my account, and they advised i got other credit card and i used them too much. by the way, i told them if they closed then closed, just give my rewards back to me since i used this credit card at least 11years, but they said they closed my account and i wont able to get my rewards back, They just want me eat people 's money, they dont want to pay the rewards, they are thinking they can not make any money from you.
Product: Debt collection

Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.
Product: Credit reporting

Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. Experian is the ONLY credit reporting agency to still be listing this account.
Product: Mortgage

Im working with Pulte Mortgage to secure a loan and my initial cash to close which I received on the XX/XX/2022 was {$19000.00} and mortgage payment is {$3300.00}. I started working with XXXX XXXX XXXX XXXX ( XXXX ) and I received a loan estimate from them on XX/XX/2022 with a cash to close of {$17000.00} and total monthly payment of {$3100.00}. 

I shared the loan estimate I got from XXXX with Pulte and they got back to me on XX/XX/2022 with an offer of an additional {$10000.00} in seller credit ( they offered {$7500.00} initially ) making a total of {$17000.00} in seller credit. This brought my cash to close to about {$12000.00}. 

I informed XXXX of this and decided to move forward with Pulte. On XX/XX/2022 they reached out to me saying they made a mistake and they meant to give {$2500.00} in additional credit making a total of {$10000.00} in credit. They waited for about 2 weeks to inform me of this and I cant even go with XXXX as it is too close to my closing date which is XX/XX/2022. I reached out to them and they eventually offered $ XXXX in credit making total of $ XXXX instead of {$17000.00} that was promised. 

I made other plans when the $ XXXX was promised to me and now Im supposed to cough out {$5500.00} less than 2 weeks from closing. They sent me the loan estimate detailing this on XX/XX/2022 with a closing cost of {$16000.00} after adjusting for my home insurance amount and other costs. 

I feel cheated and dont know if this is even legal. Am I supposed to take the fall for the mistake the lender made? Like is this even legal?
Product: Credit card or prepaid card

On XXXX XX/XX/2021, some one withdrew {$870.00} from my unemployment account which is managed by Bank Of America. It was done at a teller machine located at a place I never go. I have the only card for the account, which was in my pocket. The card was only used to withdraw money at one location only, located in XXXX, Md. never used to make purchases in stores,
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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXXXXXX Account # XXXX Account name XXXXXXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name XXXX Account # 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: Credit reporting or other personal consumer reports

Loan Paid in Full : The loan associated with this credit card was paid in full at closing, in compliance with XXXX XXXX ( Statement of Financial Accounting Standards No. XXXX ), which states that loan proceeds credited to a customers demand deposit account constitute a cash receipt by the customer, meaning the loan was effectively paid off. 

Late Payments Reported : Despite the loan being fully paid, the account reflects XXXX late payments. This is incorrect, as there should not have been any outstanding payments after the loan closure. 

Refund Due Under Public Law XXXX ( XXXX ) : As per Public Law XXXX ( XXXX ), the loan was discharged through credit, and I am entitled to a refund of any prepaid amount that remains on the account. 

Account Status and Correction : The account was closed in XX/XX/year> and marked as paid. However, it still reflects an inaccurate history of late payments, which should be corrected. Additionally, there has been no refund issued for the prepaid loan balance, as required by 15 U.S. Code 1666d. 

Requested Actions : Refund of Prepaid Loan Balance : I request that the prepaid loan balance be refunded pursuant to 15 U.S. Code 1666d. 

Correction of Credit Report : I request that Navy Federal Credit Union correct the credit report to reflect that the loan was paid in full and update the account history to remove the inaccurate late payment entries. 

Clarification of Loan Status : I request a clarification of the loan status, ensuring it accurately reflects that no further payments are required, and the account was paid off as of XX/XX/year>. 

Thank you for your attention to this matter. Please review the details and take the appropriate steps to address this complaint. I appreciate your timely assistance in resolving this issue.
Product: Debt collection

Afni {$400.00}. This account is an result of identity theft. I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Mortgage

I received XXXX check from the insurance company to fix damage to roof. 
I contacted freedom mortgage to see what items I needed to send along with check. 
I spoke with XXXX XXXX. he instructed me to Not endorse the check. but to mail it in with XXXX items that he emailed to me. 
these were affidavit estimate 3rd party authorization the last was to allow my fiance to speak with representatives.

I filled out this information and followed the instructions mailing it to the company on XX/XX/XXXX, XXXX it was received on XX/XX/XXXX, XXXX yet wasn't entered into the system until XX/XX/XXXX. 
I finally contacted the company on XXXX XXXX the representative kept putting me on hold and finally told me that the individuals he kept talking to had stopped answering the phone. he told me that someone ( he did not know who ) decided that my insurance claim needed monitored. trying to claim i was behind on my payments by XXXX. which was a baltant lie. he said that he would find answers the next XXXX  and call me with information. I heard nothing. 
so, on XX/XX/XXXX, I called company again and that representative gave me a phone number, XXXX in case I was not connected. 
I called and it was loss mitigation for a separate company that hadn't heard of freedom mortgage. they were XXXX XXXX XXXX. a debt collector. 
this was not the XXXX time I have had issue with them. in XXXX I submitted a pmt deferment with freedom mortgage, sending every piece of information from a requested packet to the company. I heard nothing in return. when I tried calling them nobody could find answers. this was during XXXX when I was struggling to work full-time. I missed very few days but was behind from being off after XXXX XXXX. to this day, I still have not received any form of explanation from the company.

if rates were low enough, I would finance elsewhere. but my rate is 3.125 %. I would never be able to get closer with a refi than 7 % now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an account listed on my XXXX and Equifax credit reports. The XXXX report does not have a recent balance but noted as paid. The Equifax report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.