23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please review Exhibits A, B, C, D, E, F New discovery In violations pursuant to 24 CFR 203.295 XX/XX/XXXX XXXX Mortgagee Letter XXXX and also review updated payments status
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF SO US  DEPARTMENT OF EDU XXXX XXXX
Product: Vehicle loan or lease

We turned in our lease 3 months early because of Covid with over XXXX miles unused and no damage. The car has a bumper to bumper warranty for the first XXXX miles and was in service less than 1 month previously with no driving afterwards except to return it. They are trying to charge us {$1200.00} of which I only agree with $ XXXX monthly rent that was still do, with the {$390.00} disposition fee should be waived per covid making us return the lease. There is no excessive use or damage as they provided no proof of anything. I offered to take back the car since we turned it in early, but they refused!!!! I had planned to make use of the XXXX miles we had left on the lease by constantly driving it and keeping it to the last day. Nissan are thieves and likely this is in retaliation into a lawsuit I have against them in response to the certified used XXXX I bought. This has nothing to do with that lawsuit, but I'm sure they are trying to make things difficult for me since I no longer want to be a Nissan customer after how they treated me with my XXXX.
Product: Checking or savings account

I set up 4 accounts for my children, 2 youth savings and 2 youth spending. I transferred funds from the same bank into the new accounts. I have only had access to one youth spending and 1 youth savings. No statements were provided online or USPS. The original transfers took place on XX/XX/2017. I have spent over 40 hours on the phone with the banking institution and they still have not resolved the matter. We are missing a total amount of {$950.00}. Over the last year of numerous phone calls the bank has informed me that the money that was transferred has been spent and the account is now closed. I have a claim number and proof of transfers. Per federal guidelines I am understanding that some type of statement needs to be delivered and or I need to have access to a minors account which I have not. The banking establishment is USAA.
Product: Debt collection

Im getting multiple calls a week. They called XXXX XXXX at XXXX XXXX and on XX/XX/2023 at XXXX XXXX.
Product: Credit card or prepaid card

I make minimum payment .They do charge my account 2 fees and some sneak in a late fee of $ XXXX {$27.00} late fee XXXX I'm on time. I was charged {$19.00} on purchases and {$22.00} on cash advances. .Thats over {$43.00} a month always it used to be {$60.00} XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable einvestigation of disputed information on my redit report, leaving inaccurate or inverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Debt collection

I moved to my current address in which XXXX does not cover here! I contacted them to let them know I couldn’t use my service here and I sent documents showing my new location and they agreed that they don’t have coverage here. Now it is on my credit. This keeps coming back with new dates as well.
Product: Debt collection

XXXX XXXX XXXX sent me to collections for a bill for services that were never rendered. XXXX was also extremely aggressive with monetary threats to get me to agree in the first place. I feel coerced into the initial agreement, and sending me to collections for a bill for services that were never rendered is absolutely illegal.
Product: Credit reporting or other personal consumer reports

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


Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I sent the attached letter to Experian and they received it on XX/XX/2022. Experian responded to me online XX/XX/2022 that the issue was resolved. 

I am trying to figure out how Experian investigated and resolved the inaccurate information on my credit report in 2 days. 

See the Attached credit report showing the inaccurate information : The Inaccurate information on XXXX XXXX XXXX XXXX XXXX -Last Date of Activity is different in all 3 credit reporting agencies.

-Status is not consistent across all 3 credit reporting agencies. 
-High Balance is not consistent across all 3 credit reporting agencies.

-Comments are also not accurate between all 3 credit reporting agencies.

-Payment History is not the same across all 3 credit reporting agencies. 

The inaccurate information on XXXX XXXX XXXX XXXX XXXX -Last Date of Activity is different in all 3 credit reporting agencies.

-Status is not consistent across all 3 credit reporting agencies.

-High Balance is not consistent across all 3 credit reporting agencies.

-Most Recent Adverse Rating is not consistent across all 3 credit reporting agencies.

-Payment History is not the same across all 3 credit reporting agencies. 
-
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed to delete their account from my Equifax credit report and as of this date, it has not been deleted. See correspondences attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TANSUNION & XXXX The 3 well Known Credit reporting companies have no proof of my written consent to post my personal information on there sites. This is a violation to my constitutional rights, I have the United States laws listed below, with the links attached that protects my right to privacy. Along with the United States law that says the credit reporting companies need proof of my written consent, Which they don't have. I Also have the United States law that states, ( A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ). I do have the Account numbers as well, before the United States laws that protect my Constitutional rights. 

Account Number : XXXX Company : XXXX XXXX XXXX XXXX XXXX Company : XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consum

er reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section XXXXXXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

This was a loan for a vehicle my ex-spouse and I had shared when we were married. When we divorced in 2017, he was ordered by the court to execute the required paperwork to retitle and assume the lien on the vehicle. He did not comply, stopped making payments, and the account was closed with negative remarks. I made numerous attempts to have this remedied, but the bank refused to honor the court order, and my credit has been severely negatively affected.
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to close my Affirm account ever since I paid it off completely months ago. I have been in contact with them several times and they keep coming up with excuses - the first one was I " needed to close my Affirm money account '' ( Which i did, and it took " 3-5 business days '' - IF they even did it ). Now I try to close my account again, a month later, and the excuse today was " there's a system error on our end, I have to escalate it, you'll get a call back in " 3-5 business days ''. They have also threatened me by saying I'll never be able to make an Affirm account again if I close. ( Ok? ) When you try to close your account online it says " We can't help you right now, please call ''. I've even tried through chatting with an agent and they will not do anything. It's nothing but a scam and I want my account closed, they refuse to do that for me. I have never had such trouble closing an account in my life. They also said I had to wait 30 days after any payments to close my account and it's been FAR over 30 days already ( I have screenshotted proof of that, AND the agent stating so ). I haven't had a balance in months.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

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

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

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND 1099 C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting

I have never done business with the reporting collection company. I have disputed the information and requested validation of debt. The collection company would not reply to my request for validation. The credit bureau refuses to remove the account, however, their online systems still show the investigation as " pending '' after 3 months, and they never sent me a written notice of the investigation. All of the other credit bureaus have already removed this account from the records due to it containing false information.
Product: Student loan

I want to be on the XXXX plan. Nelnet will not put me on the XXXX plan. My XXXX XXXX application was successfully submitted on XX/XX/2023 according to studentaid.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported on my consumers report two unknown evictions
Product: Credit card or prepaid card

Vystar Credit Union in the month of XX/XX/2022 while converting their online systems, failed to proactively send credit card statements to any clients who were set up for edelivery and the ability to speak to anyone to arrange payment required a hold time of over an hour with no ability to be called back. 

I was hospitalized and unable to reach anyone during the time I was able. 

When the system did come back online there was no access or viewability of our credit cards. When I finally spoke to someone I said they needed to reverse the charges and adjust my entire credit reporting and my available credit lines. 

It took 3 phone calls to get access to my credit-card restored but in the meantime I was having my credit lines decreased left and right because they reported my delinquency despite HAVING NO WAY TO PAY THE BILL EXCEPT FOR GOING INTO THE BRANCH! 

They refused to reage the account and correct their reporting and this caused me to financially and mentally spiral as I needed the funds for necessary house repairs. 

My credit score prior to this event was XXXX. I am now down into the 600 's and now jobless. 
None of the creditors will make arrangements either due to the negative credit history I have now been saddled with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX Equifax and XXXX has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency XXXX  which also cancelled contract. I paid XXXX in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.
Product: Prepaid card

I received an American Express prepaid rewards card as a rebate for a purchase. When I made the purchase ( through XXXX ) they indicated there would be a rebate ( {$9.00} ), but not that the rebate would be in the form of a card. 

Therefore, no disclosure as to the cards fees or expiration date were made. 

When I received the card I noted an expiration date of XX/XX/XXXX. No worries plenty of time to use the card. 

I went to use the card today. {$0.00} balance. A call to Amer Express was made and the the Rep for Amer Express claimed that this card is not subject to ANY restrictions of fees and that they have charged me a fee each month until the balance was XXXX. 

The Rep pointed out that on the back of the card is a disclosure about the fee. True enough there is a disclosure on the reverse of the card about fees which includes a guarantee that funds never expire contradicting the expiration date on the front of the card. 

I offered to let the matter pass if my card was reimbursed the {$9.00}. Rep refused. 

{$9.00} is not much. But I reason that Amer Express is doing this as a business practice and it yields them XXXX. 

Card # XXXX XXXX XXXX
Product: Debt collection

Wakefield collections agency in XXXX, TN sent three statements on XX/XX/XXXX regarding XXXX XXXX medical debt from XXXX stating that they have charged approximately XXXX dollars in interest on my medical bills and this is the first I have heard of interest being charged on medical debt. I did not sign any agreement at the emergency room to interest being charged on my medical bills and have not with the debt collector either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my records, I realize that I did indeed miss the payment deadline with Capital One in XXXX and XXXX of 2019. I was using the paperless billing function but for some reason I stop receiving the paperless statements, nor did I started receiving them in the mail. So, this is when I decided to set up a reminder in my phone. I have not missed a payment since. I have made sure it wont happen again. I have not missed a payment since. I have contacted the company and they told me they would not give me a courtesy deletion because it has been a year. I began explaining to the customer service rep that is has not been a year and we got disconnected. I have tried to call back but the wait time is extremely too long due to the Coronavirus. They are having 2 hour wait times.
Product: Bank account or service

My bank, First National Bank, did a security update on XXXX and XXXX. After the 30 minute long security details, I went through the long security process. When I tried to log on to my account I had no idea which of the many security numbers I should use. My account was disabled after I tried to use the different numbers. The message said to call the XXXX Customer Service number. It was busy all day on XXXX and XXXX I can not access my First National Bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The XXXX and Transunion credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX and Transunion credit bureaus. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the accounts via FCRA. They have failed to remove the accounts, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts be verified nor be corrected from my report immediately : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00}.