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

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX -XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX Account # XXXX -XXXX  Account # XXXX -XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

Under the XXXX act I requested a refund of overpayments for 5 months from XX/XX/XXXX- XX/XX/XXXX and have yet to receive the funds. When asked for a timeline and current status the response from Nelnet was that it was in accounting departments hands. When I asked to speak to that department they refused. Currently that money is being held by Nelnet and they continue to profit off it. 

I would request that they provide an accountable timeframe for processing all requests as it seems that they are purposefully withholding funds to circumvent paying out until a Supreme Court decision.
Product: Credit reporting or other personal consumer reports

The Veros Credit LLC account is charged off and a charge off is a certificate of indebtedness and is considered income and income can not be reported to a consumer report per the law. 

Im opting out. Letter attached. 

Certificate Of Indebtedness : ( a ) The Secretary of the Treasury may borrow on the credit of the United States Government amounts necessary for expenditures authorized by law and may buy, redeem, and make refunds under section XXXX of this title. For amounts borrowed, the XXXX XXXX issue ( XXXX ) certificates of indebtedness of the Government; and ( XXXX XXXX Treasury bills of the Government. 
( b ) The XXXX XXXX prescribe conditions for issuing certificates of indebtedness and Treasury bills under section XXXX of this title and conditions under which the certificates and bills XXXX be redeemed before maturity. Notwithstanding section XXXX ( a ) ( XXXX ) of this title, the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue.

( c ) Treasury bills issued under this section may not be accepted before maturity to pay principal or interest on obligations of governments of foreign countries that are held by the United States Government. 

Privacy Act Of 1974 : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to XXXX exceptions ]. XXXX XXXX. XXXX ( b ).
Product: Debt collection

On XX/XX/2024, I pulled my 3 credit reports from XXXX, XXXX and XXXX and I noted the following collection : LVNV Funding LLC, c/o Resurgent Capital Services LP XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Account number XXXX Amount : {$1400.00} '' The following day, XX/XX/2024, I sent a Debt Validation letter via USPS Certified Return Receipt to LVNV Funding LLC c/o Resurgent Capital Services LP at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX requesting Validation of the debt and proof that I am the party they are asking to pay this debt, and proof of any contractual obligations binding me to pay the debt. 

As of today, XX/XX/2024, I have not received any response yet the collection is still being reported with all three credit bureaus. This collection is severely and negatively impacting my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX  XXXX {$8500.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX  XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting by Experian I am writing to formally file a complaint against Experian for inaccurately reporting derogatory information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The inaccurate reporting concerns an account with XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ). 

According to my credit report, Experian is reporting that this account was 180 days late in XX/XX/year> despite showing no late payments in the months prior to that date. This is an error, as an account can not suddenly become 180 days delinquent without a history of prior delinquencies. 

Under the FCRA, Experian is required to ensure the maximum possible accuracy of the information they report. Specifically : 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain accurate records. Reporting a sudden 180-day delinquency with no prior late payments fails this standard. 
15 U.S.C. 1681i gives consumers the right to dispute inaccurate information and requires credit bureaus to investigate and correct errors.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or misleading information to credit bureaus.

I have attached a copy of my credit report highlighting the error. Given that this reporting is incorrect and damaging to my creditworthiness, I request the XXXX  to intervene and ensure that Experian properly investigates and corrects this issue in compliance with the FCRA.

I demand the immediate removal of this inaccurate late payment record.

Thank you for your time and assistance in this matter. I look forward to your prompt attention to this complaint.
Product: Mortgage

PHH MORTGAGE, It appears the Payment amount is incorrect and needs to be adjusted properly before payment can be made. ( 1 ) Payment should be {$1100.00}. P & I = {$930.00} ( 2 ) Escrow Deposit {$260.00} ( - ) {$38.00} ( Insurance Escrow is not part of the Mortgage Note PHH purchased from XXXX XXXX This has been proven! Plus Escrow shortage of {$25.00} This Payment amount should be {$1200.00} ( - ) {$38.00} = {$1100.00} or Original Mortgage Note amount {$1100.00} + Escrow shortage of {$25.00} = {$1100.00}. Please correct the payment amount and payment will be made. This is not a late payment it is a lender error. Any questions please Call XXXX XXXX @ XXXX. Please speak English when phone call is made. Thank You XXXX
Product: Credit reporting or other personal consumer reports

I was Never late on the paid account listed above please show me Documentation showing proof of this transaction Showing I was ever Late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report
Product: Consumer Loan

America 's Car-Mart is a used car franchise headquartered in XXXX, AR and operating in XXXX states. They are a publicly traded ( symbol CRMT ) version of the " tote the note '' car lots of old and as such, they participate in a variety of shady and/or outright dishonest practices. 

Car-Mart currently has a promotion that claims you can buy a car for " {$100.00} down '' with signs on the road, signs on the cars, and a sign on the front of the store. But once you go in to inquire about it you find that it actually only applies to a small percentage of the cars they have in stock. And later, you find that it is n't actually {$100.00} down. It is {$100.00} OF the down and you still owe the rest on top of the payments. 

I picked out a car which they said was included in the program - a XXXX Mercury Grand Marquis. And what I found was that once you go inside to actually do the paperwork, the deal changes to, you pay {$100.00} of the down payment and still owe the rest ( in this case, about {$1600.00} ) which they finance on top of your weekly or monthly payment. The result is that you 're buying a car worth maybe {$5000.00} ( per the actual condition ), and you 're paying over {$8000.00} and it is n't {$100.00} down. It is {$100.00} OF THE down which results in payments of almost {$500.00} a month for the couple of months, a lump sum of the rest of the down payment ( in this case, {$690.00} ) and then regular payments of {$180.00} twice a month. If that is n't bad enough the car I pursued had XXXX mismatched tires, XXXX of which looked like they could blow out any day. 

I have a copy of the promotional material which states the terms, a copy of the proposed contract which shows the real terms, and the XXXX XXXX XXXX report which shows the actual value of this particular car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
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
Product: Credit card or prepaid card

On XX/XX/2023, I received an email from Discover Card that my account was being closed due to not being able to verify personal information. This is the first email Ive see from discover regarding this. I immediately contacted Discover Card and requested additional information. I was transferred 3 different times. A Discover Card employee informed me there was nothing I could do since I didnt verify my personal information that was due on XX/XX/2023. I requested a call back from a supervisor due to there not being one on shift. I have not received a phone call to this date from a supervisor. The employee also informed me that I would have to have to reapply to be approved for another Discover Card. After looking for emails in my junk/spam folder regarding my account and need to verify my personal information, I received an email on XX/XX/2023 from Discover Card to verify personal information for the IRS to continue to use my account. It is rare to check my junk/spam mail. Discover Card also never sent me a letter in the mail regarding this matter.
Product: Mortgage

On XXXX/XXXX/16, I received a Payoff Statement from Carrington Mortgage Services of {$570.00} valid until XXXX/XXXX/16. I paid that amount through XXXX online banking. XXXX XXXX XXXX sent that amount on XXXX/XXXX/16 for delivery on XXXX/XXXX/16. A letter from Carrington dated XXXX/XXXX/16 stated Carrington did not receive my XXXX/XXXX/16 payment and that I owed {$550.00} which included a late charge. I immediately called Carrington and informed them I sent them the loan payoff amount and faxed them a copy of my online banking statement. I also contacted XXXX XXXX XXXX Online Banking. On XXXX/XXXX/16. a XXXX XXXX XXXX representative and myself called Carrington and XXXX XXXX XXXX faxed Carrington proof of my payment. XXXX from Carrington told us they located the funds XXXX XXXX XXXX sent. A letter from Carrington dated XXXX/XXXX/16, stated they located the {$570.00} and it was posted to my loan as the XXXX payment with an effective date of XXXX/XXXX/16. On XXXX/XXXX/16, I called Carrington again and spoke to XXXX and informed her the {$570.00} was the Payoff Statement amount and should be applied as such. She put me on hold to speak to someone else. She then told me I should not worry, the funds would be sent to the cashiering dept. I could consider the mortgage paid off. On XXXX/XXXX/16, I received a Call from Carrington trying to collect a debt. I explained the whole thing to this woman and she found all the notes pertaining to this matter in my loan file. She said she 'd pass this to her supervisor for quick action. On XXXX/XXXX/16, I received a Notice of Intent to Foreclose from Carrington. I again called them speaking to the same woman as I did the day before. She informed me she would have her supervisor call me. It is becoming clear to me now that Carrington Mortgage Services, through incompetence and/or outright criminal activities, is trying to extort additional funds from me.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau Subject : Request to Address Erroneous Credit Reporting and Non-Compliance with Tax Regulations Dear CFPB, I am writing to formally dispute and request investigation into the reporting of balances on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have been written off by the creditors as profit and loss deductions for tax purposes, yet they continue to reflect balances on my credit report. To my knowledge, creditors are required to issue a Form 1099-C ( Cancellation of Debt ) to debtors for any written-off debts exceeding {$600.00}, as specified under the Internal Revenue Code ( IRC ) 6050P. I have not received these forms. 

Case Law Supporting My Claim : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case emphasized that inaccurate reporting or attempts to collect on debts that have been discharged or written off can violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : The court ruled that continuing to report balances on written-off debts as " due '' or collectible could constitute deceptive practices under federal law. 

IRS Revenue Ruling 2003-12 : Clarifies that issuing a Form 1099-C signifies a discharge of debt. Once a creditor writes off a debt and claims a tax deduction, the debt is effectively canceled for accounting purposes and can not remain reported as due. 


Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a purchase XX/XX/2022 of {$7.00} with XXXX using my Capital One card. The same day I paid this balance along with 3 other charges that totaled {$70.00}. The charge didnt post to Capital One until XX/XX/2022. Because the charge posted after I had submitted a payment, the balance of what I owe still includes the {$7.00}. I was on the phone for 1.5 hours trying to resolve this system discrepancy and do not believe in good faith I should be required to pay this charge again. The folks at Capital One were very kind and helpful but did not do anything to clear the charge that had been paid ahead of posting!
Product: Payday loan, title loan, or personal loan

Due to 10 months of trying to repair erroneous credit reporting and a hack of XXXX and Dodd / Frank our credit destroyed. Consequently this is the result. Instead of having excellent credit we are no Low Life 's. In our opinion by experience false advertising, misinformation, misrepresentation has created this fiasco and you, yes you do nothing. You did nothing about the Reverse XXXX lender who created this mess. You did nothing about the Credit Bureaus. You did little to nothing about the creditors who reported wrong and added to this mess. Yes we got ourselves in deeper BUT if you would have been the agency you profess to be none of this would be on our backs today! The facts are many of these companies not signed up with you why????? I guess above the law?
Product: Mortgage

We obtained a Quicken Harp loan about a year ago when rates were down. We are XXXX and had an ARM mortgage that was going down in years and up in payment amounts. Timing was important to us to refinance so we chose to go with a Quicken HARP loan based on their TV ads and excellent rating. At the time of processing the loan we thought Quicken did an excellent job. Now 1 year later we feel we were taken by Quicken as far as the interest rate they gave us. We had and still have an excellent credit rating. We just want to warn Quicken loan applicants to be aware to make sure of the interest rate they give out. We asked for a lower rate but they said we did n't qualify, do n't settle for less as we did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquiries on my credit report that is due to be removed in about 4 months and I would like them removed early. Please remove the following inquiries since they are due to fall off between XX/XX/XXXX and XX/XX/XXXX. A request to remove the following inquiries early : XXXX 's XXXX  ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX   XX/XX/XXXX )
Product: Mortgage

Hello, This complaint is about PennyMac Loan Services for a mortgage loan that I had in the XXXX timeframe. An escrow account was set up at the beginning of the loan to pay property taxes and insurance, and this was funded as normal through my monthly loan payments. In XX/XX/2019 PennyMac stated that a {$2600.00} payment was made from this account to pay my XXXX County, Missouri XX/XX/XXXX property taxes, however a year later I found out that no payment was made and I had a year of delinquent property taxes. I reached out to XXXX County, Mo and spoke to their treasury department and confirmed that no payment was made to my account, and then reached out to PennyMac through multiple means. Apparently there is no way to contact the department that pays property taxes through escrow accounts other than their online message feature on their web site. I started this process two months ago, and haven't been able to get anywhere with this company. I just want my {$2700.00} back during these very difficult times. Any help you could provide would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

this car was reposessd in XXXX aroud there. td auto needs to update correct balance.. car was sold on website www.carvana.com in XXXX all you have to do is type the vin number online like carfax and you can see car was sold. 

td is trying to sue but i already filed a motion to vacate cause td never served correclty im gonnna i hired a f.c.r.a attorney to sue td auto remove this account off my credit and stop lawsuit
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. 
XXXX : # XXXX, opensky bank : # XXXX, sprint : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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.

15 U.S.C. 1681B ( 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

In trying to activate a new citibank mastercard, I was told that my account was put on hold because the telephone number I cited did not match their records. I was put in a position where I was neither able to activate the account nor cancel the account because security access ( which I was being denied ) is required for both. I know that I gave my correct phone number when enrolling because citibank gave me a call soon after I applied in order to verify the validity of the application. The number they have on file for my account is pulled from public record and is incorrect. The customer service representative said that I would have gotten a voicemail with a code to gain access to the account, but seeing as the number that citibank has is incorrect, there would be no way for me to receive that message. This is frustrating and inconvenient to say the least,
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX  I bid on an online auction with the company XXXX. I won the bid, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received an invoice # XXXXXXXX in the amount of {$55000.00} to be wire transferred to : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX The transfer was made thru : Chase Bank XXXX XXXX XXXX. 
XXXX, FL XXXX Account # XXXX Routing # XXXXXXXX XXXX XXXXXXXX XXXX XXXX which is listed as active with FL Dept of State Business Reg # XXXX. I have been unable to contact XXXX ( XXXX ) nor XXXX XXXXXXXX XXXX XXXX, which I have no POC for them. 
Any assistance you can give me in contacting XXXX XXXX XXXX XXXX would be appreciated I have more documents if needed. 

This is the letter I got from Chase Bank in XXXX FL.