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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Debt collection

On XX/XX/2021, I sent American Honda Finance Corporation d/b/a Honda Financial Services a Cease and Desist via USPS certified mail, return receipt requested, pursuant to my rights under 15 USC 1692c ( c ). American Honda Finance Corporation XXXX Honda Financial Services is in receipt of this document as of XX/XX/XXXX as verified by USPS return receipt in my possession. In the Cease and Desist dated XX/XX/2021 that American Honda Finance Corporation d/b/a Honda Financial Services is in receipt of, I advise American Honda Finance Corporation d/b/a Honda Financial Services that I am well aware of my rights and know that any further contact by American Honda Finance Corporation d/b/a Honda Financial Services , except a communication confirming there will be no further contact or notification of a specific action American Honda Finance Corporation d/b/a Honda Financial Services intends to take, is in violation of the Fair Debt Collection Practices Act . I am also aware that any contact you make to a 3rd Party concerning me and/or the alleged debt you contend I owe is also a violation of the Fair Debt Collection Practices Act, specifically Section 805 b ( 15 USC 1692c ( b ) ). 15 USC 1692c ( c ) states that if such notice from the consumer is made by mail, notification shall be complete upon receipt. Since XX/XX/2021, the date that American Honda Finance Corporation d/b/a Honda Financial Services is in receipt of the Cease and Desist pursuant to 15 USC 1692c ( c ), American Honda Finance Corporation d/b/a Honda Financial Services has called me a total of five ( 5 ) times continuing to attempt to collect the alleged obligation. This is an individual act against 15 USC 1692c ( c ). In addition, American Honda Finance Corporation d/b/a Honda Financial Services has communicated several times with multiple consumer reporting agencies over the last month with information concerning me, the consumer, and the alleged debt American Honda Finance Corporation d/b/a Honda Financial Services contends I owe them since being in receipt of my Cease and Desist. This is an individual act against 15 USC 1692c ( b ) and 15 USC 1692c ( c ). Pursuant to 15 USC 1692c ( c ) ( 2 ), I invoked my specified remedy as the consumer and ORIGINAL creditor of the account and I demanded American Honda Finance Corporation d/b/a Honda Financial Services to zero out the balance on the account as it was paid for upon their receipt of my purchase money loan, return my title/manufacturers Certificate of Origin LIEN FREE, and to delete the account from all consumer reports and files. American Honda Finance Corporation d/b/a Honda Financial Services has very obviously ignored, disregarded, and violated my rights under Title 15 of the United States Code. In accordance with 15 USC 1692c ( d ), I, consumer in fact, am invoking my administrator and executor status over this matter and is of the age of majority. It is also a fact American Honda Finance Corporation d/b/a Honda Financial Services is a corporation and is always considered a minor. Corporations who are considered minors have no legal standing or jurisdiction.
Product: Mortgage

The first payment I made with Servicing mortgage company, went to a " Slush Account '' and I recieved a late payment, The payment was on time. Then I made a XXXX payment, on the XXXX, again a late payment and I was told that they thought it was just extra principle. I got made and asked for a payoff, made that payoff on XX/XX/XXXX, my mortgage is not payed off though I don't see a late payment the my amount due is larger then normal so one would assume that it didn't get credited. They told me I need to get another payoff quote even though they had the money and the payoff quote was good till the beginning of XXXX, today is the XXXX of XXXX. I asked to speak to a manager, they transferred me and I got a message that all costumer servicing agents were unavailable at the moment call back in 30 min, I hung up, called back screaming, finally got someone to fix it but I really don't have any idea if it is fixed if the late payments were reversed or if interest is being refunded.
Product: Credit card or prepaid card

- Barclay 's Credit Card claimed a payment was not made on time. 
- after further investigation found out my payment to Barclay 's,  had been posted as paid and cashed using a XXXX XXXX account ( copy of cashed money order from my personal bank ). 
- I called Barclay 's and mentioned what found, their response was " we don't know how this happened, it's not our fault '' then proceeded to claim my account as delinquent & tagged on a {$50.00} late penalty fee. 
- long story short I contacted XXXX XXXX and found out the account in question actually is an account that belongs to Barclay 's, which XXXX XXXX retains on Barclay 's behalf for receiving credit card payments from customers like me. 
- I then called Barclay 's and explained what I found, then asked for outstanding amount I owe so I may pay it in full.

- once payment is received and posted by Barclay 's I intend to cancel my Barclay 's credit card. 

Reason am reporting this instance is to have on file as a complaint, and for others to be wary, of Barclay 's Credit Card "  practices ''.
Product: Mortgage

We have contacted Select Portfolio Servicing numerous times regarding the attached 1099-C. As you are aware all loans associated to each of our properties are fraudulent. 
Our information was taken for the purpose of obtaining loans for others self profit. We DEMAND SPS delete both 1099 C. It's bad enough we never received a loan as it pertains to the property located at XXXX XXXX XXXX XXXX XXXX SPS has issues TWO Separate 1099-c 's in the amount of XXXX each the two of us, This is Fraud and THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on report
Product: Debt collection

I am writing in response to the recent correspondence I received from your agency regarding these alleged debts. Upon reviewing the documents provided, I am deeply concerned about the validity of this claim and the lack of proper documentation supporting your assertion.
Product: Credit reporting or other personal consumer reports

In accordance with 15 U.S.C 1681c-2, it is mandated that a consumer reporting agency promptly block the reporting of any information in a consumers file that the consumer has identified as originating from an alleged identity theft incident, with a requirement for action within 4 business days upon receipt of such identification.

However, I must express my concern that despite the statutory requirement, it has now been 30 days since I brought this matter to your attention. This extended delay constitutes a clear violation of the law, especially considering my status as a victim of identity theft. I kindly request the immediate removal of these disputed items from my consumer report, as their continued presence is in direct contradiction to the law. 

Moreover, I would like to draw your attention to 15 U.S.C 1681b, which delineates the permissible purposes for consumer report furnishing. Subsection ( a ) ( 2 ) stipulates that a consumer reporting agency may provide a consumer report only in accordance with the written instructions of the consumer to whom it pertains. It is essential to underscore that I have never provided any written consent or instruction to any consumer reporting agency to report the items in question on my consumer report. This situation is a direct violation of my rights as a federally protected consumer. 

I wish to emphasize that the absence of consent amounts to identity theft, a matter of significant concern. Therefore, as a consumer, I firmly demand the immediate deletion of the accounts in question from my consumer report to rectify this violation.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Equifax regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : XXXX. XXXX  XXXX ( # XXXX ) * Credit Limit Discrepancy : High credit reported inconsistently across bureaus ( {$1600.00} vs. {$1500.00} ). * Payment History Errors : Delinquencies reported incorrectly across periods with no corroborating evidence. XXXX. XXXX ( # XXXX ) * Credit Limit Discrepancy : Reported limit of {$2000.00} on XXXX vs. {$0.00} on XXXX. * Payment Status Errors : Reporting of late payments inconsistent across bureaus. XXXX. XXXX  ( # XXXX ) * Inconsistent Status : Marked as " Paid '' on XXXX but " XXXX '' on XXXX. * Date Discrepancy : Last activity date varies significantly. XXXX. XXXX XXXX  ( # XXXX ) * Payment Status Errors : Listed as " Paid '' but simultaneously " Collection/Chargeoff. '' XXXX. XXXX ( # XXXX ) * Chargeoff Misreporting : Account listed as " Collection/Chargeoff '' with unresolved dispute comments. Violations of the FCRA : XXXX. XXXX XXXX. XXXX ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information reported. XXXX. 15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation upon dispute notification. XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) : Obligation  to delete or modify unverifiable information. XXXX. 15 U.S.C. 1681s-2 ( a ) : Prohibition against furnishers providing inaccurate information. XXXX. 15 U.S.C. 1681n : Willful noncompliance resulting in liability for damages, including punitive damages. XXXX. 15 U.S.C. 1681o : Negligent noncompliance with provisions of the FCRA. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX
Product: Debt collection

Dates are as the following : I received a Writ of Garnishment XX/XX/XXXX from XXXX XXXX XXXX. 
I contacted the Wilkinson Attorneys at Law at XXXX XXXX XXXX, XXXX, MS XXXX on XX/XX/XXXX in writing to request the garnishment be ceased. The company XXXX XXXX was paid in XXXX. 
Wilkinson Attorneys at Law never wrote back. 
I received a hard credit inquiry on XX/XX/XXXX from the company XXXX XXXX located in XXXX, XXXX . I spoke with XXXX at XXXX XXXX at XXXX. on XX/XX/XXXX he stated, he bought the debt from XXXX XXXX and XXXX XXXX charged off the debt on XX/XX/XXXX. 

I was never notified of this debt and wrote the company to advise that I was never informed. They never responded. I wrote to the County Court of XXXX County, Second Judicial District on XX/XX/XXXX. They wrote me back stating they did not receive any other court filings other than the original dated XX/XX/XXXX. 

Due to the above mentioned I am filing a complaint being Wilkinson Attorneys at  Law ( representing XXXX XXXX never responded in writing within 30 days ).
Product: Debt collection

Reporting old debt as new! ( Breaking las Incurring interest not on original agreement! ( Breaking law ) Cant provide original agreement with my signature I keep all records and have a binder full of records with the same account number from XXXX appointments. 
I cant find if Wakefield and associates is allowed to collect debt in XXXX  there a XXXX  and XXXX XXXX  company and isnt a collection agent for XXXX I called XXXX XXXX they said they have never worked with them and said I dont have any outstanding debt and wasnt sent to collections ever! 
I tried to get the reporting agencys to call original creditor but they wouldnt. I dont know if they are committing fraud or what but I have original Bills from the same place with the same account # from XXXX. They are reporting XXXX and the bill they sent was dated XXXX with medical procedures so thats a hippa violation! 
And bill the collection agency sent shows paid by insurance in full with no payment nessesary which leds me to believe they are editing accounts and missed that by accident the bill is off from the original one I have several. And its not a original help Im trying to buy a house.
Product: Mortgage

I applied thru Quicken Loans/ Rocket Mortgage to refinance my conventional loan with a VA Home Loan . Rocket Mortgage said the VA would not let me use my SSD as income because I have a Designated Payee. My VA XXXX does not have a Designated Payee, it is directly deposited into my checking account.
Product: Checking or savings account

XX/XX/2022 two charges totaling {$1000.00} were fraudulently deducted from my checking account. The charges were not caught by any kind of automatic protection, even though I have never spent anywhere near that amount before. 

I immediately filed a police report, reported it to the bank, and cancelled the debit card. 

The bank, Truist, says the transactions appear to be authorized and will not refund them.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, Illinois on XX/XX/XXXX. When I leased this I did so in order to get the {$7500.00} tax credit rebate from XXXX that was not available if I purchased it. This was super transparent with the dealer upon purchasing. The terms of the lease were to be favorable if I bought out the lease after completing the deal. In fact, there was discussion with the sales manager XXXX regarding money factor on the lease and how it was important, I explained I did not intend to take the lease to term so the money factor was not important and she agreed. When talking through the contract with the finance manager at the dealer, I specifically asked with my XXXX as a witness that if I was to buy the car from the finance company immediately after purchasing what the cost of the car would be - the capitalized cost plus the early termination penalty or the cost of every lease payment plus the depreciated cost at the end of the lease. The finance manager looked at me square in the eye and said that the cost would be the capitalized cost not the cost of every lease payment. The issue of course is that if I had to pay the cost of every lease payment upon early termination then I was paying for the lease financing I was not taking advantage of. When I went to buyout the cost of the car, it was explained that it was the depreciated cost at the end of the three years plus the cost of every lease payment, exactly the opposite of what I had negotiated with the dealer. They lied to me as I was signing the paperwork. I attempted to contact the dealer and XXXX with no resolution. The dealer refused to acknowledge what they had told me during the process and they could not help. Other dealers are refusing to buy it back for a fair price that they can get via the XXXX XXXX XXXX. What I am looking for is for XXXX to take back the car. I am done with them and their deceptive dealers. XXXX XXXX should be ashamed of itself, and so should XXXX for having dealers like that.
Product: Mortgage

I CALLED THE COMPANY RUSHMORE LOAN MANAGEMENT TO GET THE EXACT AMOUNT FOR MY REINSTATEMENT OF MY MORTGAGE SINCE XX/XX/XXXX ( FRIDAY ) WE HAVE BEEN CALLING THEM DAILY BUT UP TO THIS TIME THEY DONT HAVE THE EXACT FIGURES, THEY GAVE US THE NUMBER OF THE FORECLOSURE LAWYER ( XXXX XXXX ) BUT IS NOT PICKING UP OF CALLING US BACK, WE HAVE AUCTION DATE OF XX/XX/XXXX, I DONT UNDERSTAND HOW LONG WOULD IT TAKE TO DO A COMPUTATION, THEY SEND ME BEFORE A REINSTATEMENT AMOUNT BUT ITS ONLY GOOD FOR XX/XX/XXXX, SO WE NOW THE FIGURE, JUST NEED A LITTLE ADJUSTMENT, UNLESS THEY ARE DELAYING US INTENTIONALLY OR DOING SOMETHNG ILLEGAL, PLEASE HELP MY FAMILY SAVE MY HOME
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that i had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsabilty to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Vehicle loan or lease

In case number XXXX DATED XX/XX/XXXX XX/XX/XXXX I did not apply for no loan on XX/XX/XXXX with bank america and need the documents sign by me from Bank of America. I did not apply for no loan from Bank of America. Bank of America does nothing but commit fraud on consumers with no documents as proof from the dealer as well as bogus XXXX  with no proof. The run around with some computer letter of XXXX  with no proof. Bank Amercia is known for Fraud after fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My own son did a lot of Dammage by knowing my name address age and soc.Securiry # XXXX. I can't trust the WEB. site However I have all this infomation now for you to save me. 


Original creditor : CAPITAL ONE BANK USA N A Overview You've paid off 0 % of your collection amount. 
Balance {$470.00} Highest Balance {$470.00} Opened XX/XX/2015 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name CAPITAL ONE BANK USA N A See an error? 
You could dispute an error with XXXX. 

GO TO XXXX  Creditor Information XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Opploans/XXXX  has reported that the account was written off on my credit report. I was not sent a 1099c. If the account was written off to the IRS than the company was reimbursed. Therefore this is now personal income to me. Account XXXX XXXX @ was charged off on my credit report. If the item is not yet charged off than remove this item from my credit report. If Opploans/ XXXX fails to remove this from my credit file, Opploans XXXX is creating an act of fraud and should investigated.
Product: Mortgage

I did a loan modification with Chase Bank under the federal HAMP program on XXXX of XXXX, during that time, I had financial hardship and was approved for the loan modification. During the signing of the documents, I noticed a clause of a balloon amount of {$210000.00} at maturity date, I asked the processor about the clause and the answers was, not to worry, that was the accumulation of interest during the life of the loan. During the following years I called the bank to do the same questions about this balloon amount and the answer was always the same, not to worry this is the accumulated interest for the life of the loan. 
Recently I received an offer from Chase Bank to recast the loan, the bank sent documents for me to sign, I noticed the same clause, but now with additional notes, ( attached the recast documents ). In my curiosity, I called the Chase Bank to ask about this clause, but this time they informed that this was an amount that I needed it to pay if I were to sell or pay the property off. 
My Complaint is as follows, I looked to Chase Bank for help under the federal program HAMP to save my property, instead of helping me, they deceit me, with malice and purpose. From day one, their purpose was to defraud and gain from a home owner in hardship. I came in with a debt of {$360000.00} and came out with a debt of {$530000.00} just by signing this contract. Chase Bank did not help me at all, instead they defrauded me as they have done with thousands of customers. 
I plead to the federal government to put these greedy thieves in jail and make them pay for all the suffering and stress they have caused to the honorable people of this great country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputed the accuracy and verification of a bankruptcy listed on my credit reports for over a year. The outcome always states that it has been verified either by the courts, or XXXX XXXX. I received a letter from the court stating that they do not verify Bankruptcies, and XXXX XXXX  has been frozen since XX/XX/2023, and I submitted my disputes in XX/XX/2023. 

I also received emails to verify my identity in order to stall my dispute... However on XX/XX/2023 when I mailed off my disputes I included my lease and My Drivers License. That would mean that they never even looked at my letters and completed a proper and fair investigation. 

In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Public Record U.S. BK CT - EAST Dist. MIC. XXXX Has violated my rights.