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

I voluntarily sold my car. I originally about my red XXXX through XXXX and was approved through Bridgecrest. I got into a car accident that I attempted to repair, but due to my loss of job resulting in low income, I could not make the car payments and voluntarily gave up my car to Bridgecrest. They sent me about 3 documents in the mail : one document stating how much is sold, one document asking if I wanted to buy the car or they were going to sell it, then a final letter stating they sold the car and the updated balance owed. 

I did not receive any other correspondence in the mail nor phone call. I made several calls to update my address and to see about a payment plan. All I was told was that I would have to call in to make a payment over the phone or a payment by money order or cash in the mail. I asked for a payment plan or to settle for lower due to my financial income and on the brink of bankruptcy. They denied and said they couldn't do that and to just call.

I have since asked for validation of debt to be mailed to me as well as requesting a 1099C as they reported my account as closed. As they reported this account as closed/charged off on all credit bureaus, they should have sent me a 1099C to me. They have not and this account is still reported on my credit report. I have sent several certified mail requesting documentation and have not had any response to this. All I want to do is correct this in a way that I can afford and they refuse after many attempts on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX XXXX  to report fraudulent transactions and payments on my accounts. Since that day, XXXX has been negligent in how the investigation and reporting of this matter have been handled XXXX has partnered with Experian and Experian has reduced my score because of this XXXX account. 

Neither company has respected my consumer rights although I have submitted the police and FTC reports, verbally described the incident, and have written letters requesting this information gets corrected. 

On XX/XX/XXXX, I called XXXX after noticing another payment had been deducted from my business account. I was informed that my pending claim had been denied because it was incorrectly submitted by the fraud team. 

The account was reported as fraudulent, instead of having fraudulent transactions. I requested documentation detailing transactions charged to this account to help me determine which ones were not authorized and on XX/XX/XXXX and XXXX, XXXX responded that there were no transactions done to this account. 

Today I called XXXX touch base and was informed that my dispute for this account was submitted incorrectly for a 5th time by XXXX, therefore it was denied. She submitted another claim today and told me any money would be returned to me once the account charges are verified as fraudulent. 

FTC CFPB Help me with these monsters XXXX and Experian. Step in or give me guidance on how legally to hold these companies accountable for the money they ruse to return. I am exhausted Physically and emotionally.
Product: Checking or savings account

My father passed away with $ XXXX at chase bank. I am executor of his will. I called and was told no beneficiaries were on the account and go to a branch with my court papers and death certificate. There I would be cut a check. The branch then said my mother is the beneficiary and we needed to file a XXXX page notarized packet of papers in the mail, even after having copies of the death certificate and my court papers. I then sent the packet of papers to chase and months later am being told they did not get them. My father died in XXXX. I am now being told to file another packet of beneficiaries paperwork. This company needs to stop withholding funds that are not theres and give my mother what is rightfully hers. To give people who have lost a loved one such a hard time is a disgusting practice.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : 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  As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Mortgage

Receive multiple misleading mortgage refinance letters from Service 1st Mortgage Inc. Letters imply they are from Veterans Administration and /or current mortgage lender. Letters attempt to get you to think they are calling about your existing loan and need to take action on your existing loan. In reality, it is a refinance offer ( at higher rate ) and attempts to mislead consumer about escrow refunds. See attached copy of letter.
Product: Debt collection

Report XX/XX/year>XXXX  from XXXX XXXX XXXX for {$9600.00} with these Original creditor PayPal Credit I never applied for credit with PayPal I asked explained the situation to XXXX XXXX XXXX who continue to call me for payment I asked for a copy of the application I submitted to PayPal for the credit but no information has been sent.
Product: Vehicle loan or lease

i am back to normal making regular payments on my car but because of the past 2 years of XXXX that many people such as myself are going thru, i am not able to catch up so my credit can be worked on properly. this affects my family and my future and bank of America does not care about the people and how this pandemic has affected their customers.
Product: Debt collection

Constant calls for debt collection. Unable to file for financial assistance. I was unemployed. Debt is now in collections for the amount of {$1300.00} as of XX/XX/2023. Less than a year old
Product: Debt collection

XXXX   XXXX ,    2017 Atlantic Recovery Solutions calle d myself, my husband, and my sister in-law multiply times saying that I owe   XXXX   XXXX  . Even after I talked to them and told them I would look into this matter and to not call me back that I would call them back they continued to call myself and husband multiple times each day. The individuals that I talked to threatened that this will go on my credit report and under my social security number if I do not pay them by the end of the day. I asked for specific documents and transactions about this account and the company said that it would take up to a year for them to get my any type of documentation. All they could send me was a Validation of Debt letter and a Placement Letter, but nothing specific to the account.
Product: Vehicle loan or lease

I was falsely told that Nissan of XXXX XXXX would be unable to provide prices for a new lease unless my credit was run. I am a long time customer of Nissan of XXXX XXXX so I was surprised to hear this. 

My lease was ending soon and I truly needed a new car. However, my search had just begun. The salesperson and the sales manager both assured me that figures could not be discussed without running my credit and that this is Nissan policy. I explained that this had never happened and I had always discussed figures before my credit was run.

As I was comfortable with my 710+ credit score, I reluctantly agreed to the credit check. I then visited other Nissan dealerships who explained that running credit before discussing figures is absolutely NOT Nissan 's policy. 

I was pressured to run a credit check and feel I have been wronged. this was the first time this happened to me and also the first time I, a woman, shopped for my lease alone. I am wondering if the dealership preyed on me because I was a woman shopping alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

my computer was hacked and i identity was stolen and i never applied to XXXX on XX/XX/XXXX and it is a hard inquiry and its on XXXX  and i would like it removed i have no phone number or address for them and i would like it removed
Product: Credit card

XXXX. Over a period of 2 months, i have reported my card stolen/card number compromised. i contacted TD Bank by secure messaging within my account and by telephone to the fraud department - at those times i disputed/reported unauthorized charges. As a result, TD Bank did not cancel my card and reissue a new card, and TD Bank did NOT investigate any of the fraudulent charges. They did nothing. 

2. Hurricane Milton flooded my house and damaged it. FEMA inspector declared my house uninhabitable. Since Hurricane Milton, i have been homeless. i contacted TD Bank by secure message and by telephone and requested temporary disaster assistance to defer my payment due on the account. TD Bank told me they will not honor President Biden 's disaster declaration for Florida, and they will offer no disaster assistance with my account. Not even a 30 day deferral of current payment due. 

TD BANK is a psycopathic company that has no regard for the lives of its customers. Any federal funds TD BANK relies upon should be terminated and federal action should be taken against TD BANK. most banks are partners with their community. TD BANK is just a parasite infesting every community which hosts its branches.
Product: Vehicle loan or lease

I turned in a car and picked up another leased vehicle from the same dealer. I was told the car looked great and not to worry because XXXX had a {$1000.00} 's for return customers. two month later I received 2 calls each ; from both Chase and XXXX wondering what I was going to do with my car - evidently they lost it on the lot. They salesperson took my license plate off my car and put it on the new car the day I left it. The I received a bill from Chase telling me I owed XXXX dollars for damage to the car ; wheel that were factory defects and transportation fees to an auction house. Now I get calls from XXXX XXXX a debt collection agency and my bank called me about me credit - this is my 8th lease ; I have bought three of the cars at the end ; never have I had a bill for anything ; especially one sent 3-4 months after I have been driving my new lease - what happened to my car after I dropped it off at the dealer?
Product: Credit reporting or other personal consumer reports

A account Im uploading with XXXX XXXX XXXX for {$550.00} is in bankruptcy since XXXX but Equafix not reporting it correctly ; Equafix putting account is open and delinquent. XXXX and XXXX has been reported this account correct. So Im not understanding why this is happening. Ive talk with bank who stated its being reported as bankruptcy and not understanding why this is happened if the other two bureaus have the correct information.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Transunion is report negative and inaccurate information my credit report showing XXXX as being late and having a negative balance. I asked them to show me proof this is my account and payment history with accurate balance., they have refused.
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 below : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

My information was sold and or bought illegally. I am a victim of XXXX data breach. I have been trying to resolve this issue an have not been able to. XXXX has admitted that my info has been taken and I am a victim of there data breach an that they have done nothing to help resolve the trouble it is causing me. There are three accounts on my Experian Credit report that are illegal accounts that are not done by me. And I have been trying to have them removed but have not been. Due to this data breach its causing much affect to my life that is hurting me XXXX will attach proof that my info was taken in the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy chapter XXXX case # XXXX with Sallie Mae who was later became Navient was removed from XXXX since the loan was open in XX/XX/XXXX. Then it was placed back on my credit tried to contact XXXX to have it removed but it is still on my credit. All other credit bureau have removed from credit them one of my old credit file confirmation # XXXX XX/XX/XXXX had Sallie Mae on it but was removed.
Product: Credit reporting or other personal consumer reports

Im contacting you regarding the recent investigation findings. I disagree with the conclusions and demand complete accuracy. I am not satisfied with the efforts made to contact the creditors/agencies responsible for the information on my report. I request further information on the following accounts : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$25.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance : {$110.00}. As per the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I request a reinvestigation and update of these disputed accounts. Provide the names and addresses of the individuals contacted during this process. You have fifteen ( 15 ) days from receipt to complete these actions unless informed otherwise. Failure to verify within this timeframe constitutes non-verification, necessitating prompt updating of the accounts as per Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ), notify me once the accounts have been updated. Provide an updated copy of my credit report following this resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

the credit bureaus failed to do a proper investigation how did they verify this account.I want a detailed description of who furnished the account without my permission 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Product: Debt collection

I received a letter from Central Financial Control stating that I owed {$99.00} to XXXX XXXX XXXX from XXXX/XXXX/XXXX. I have already once disputed debt with Central Financial Control which was removed now 3 years later I am receiving correspondence for the first time about another debt owed. This debt is not owed.
Product: Checking or savings account

We received a fraudulent charge of {$1700.00} ( case XXXX ) on XX/XX/year>, from XXXX XXXX. We did use the company for another purchase but this additional purchase was not authorized and we received no goods or services from that company related to that charge. We filed a claim and they denied it stating we did benefit from the charge. We filed a police report and sent it to them on XX/XX/XXXX. We also requested supporting documents on their denial. We have received no further communication from them after that.
Product: Debt collection

I want to make it public record today XX/XX/2024 that I have received notice from ARstrat a debt collector whom I do not wish to work with in any capacity. This company is attempting to collect an alleged debt on behalf of XXXX XXXX. In short, I pay my bills directly to XXXX XXXX and will continue to do so. Furthermore, I have never acquired any services through or with ARstrat and do not wish to presently or in the future. If this company ARstrat attempts to damage my credit by reporting me to any of the XXXX major credit bureaus XXXX, XXXX, or XXXX I will report the matter to proper regulatory authorities. I hereby publicly ask & declare thru the CFPB that ARstrat Cease & Desist in all communications to me XXXX XXXX as well as all mail and phone/cellphone communications. Lastly, I publicly ask & declare that ARstrat Cease & Desist in all debt collection matters in regards to any account I have with XXXX XXXX. To re-iterate I pay my bills through XXXX XXXX only, and will continue to do so.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that the following account be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This account has been compromised or fraudulently opened due to the breach.

Account Information : XXXX XXXX Account number : XXXX, Date opened : XX/XX/year>, Amount : {$5800.00}
Product: Credit reporting or other personal consumer reports

This account should not be on my credit it was dismissed with with no balance due is paid everything included is court dismissed paper credit is collection i didn't give permission for them to have my information name of the company reporting the information is National credit systems with a balance of {$6000.00} for sodel apartments
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Debt collection

My personal information was taken from a data breach a couple of years ago and ever since theres been people opening accounts fraudulently under my name. I would like these account to be removed permanently, it has been ruining my life and I shouldnt be dealing with this especially if I trusted on the company to provide my information and they failed to keep my information safe.
Product: Student loan

My Nevient loan is paid in full. My studentloan.gov balance and the Dept of dept of edu says I 've paid off my loans years ago and all of a sudden they are pulling money from my pay checks. I have an  XXXX  son. I 'm a single mom. Low income. I have letters from the department of education congratulationing me on paying off my loans. I have a check for over payment on my student loans. Etc. this is outrageous!!