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

XXXX XXXX XXXXXXXX XXXX XXXX VW Credit Inc.  violated the Truth in Lending Act on XX/XX/XXXX with dealer number XXXX contract XXXX, XXXX # XXXX pursuant 15 USC 1605 ( a ) when it required me to make a {$5000.00} down payment on my XXXX VW XXXX. Furthermore, XXXX XXXX XXXXXXXX / VW Credit Inc. was in violation of 15 USC 1605 ( e ) ( 2 ), when it included a {$690.00} documentation fee in the {$27000.00} that it financed in the sale of the Passat. 

In XXXX, VW Credit Inc. repossessed and auctioned the XXXX VW XXXX then charged off the remaining debt which it claims to be {$6600.00} and reported it to all three major credit reporting agencies. As defined by the IRS, a charge-off is considered gross or ordinary income. Income, consequently, does not get reported on a consumer report.

Furthermore, VW Credit Inc. sold the {$6600.00} debt and shared my information with a third party without my permission, a direct violation of the FDCPA. Pursuant 15 USC 1692 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

VW Credit Inc. is also in violation pursuant 15 USC 1692 ( 608 ) ( 4 ) - The advertisement for sale of any debt to coerce payment of the debt. I contacted VW Credit Inc. and was told that VW Credit Inc. no longer has my records and that a collection company has my information and is now attempting to collect on the charged-off {$6600.00} debt. 

I recently received notice from collection company XXXX XXXX XXXX XXXX of New Jersey. XXXX XXXX on its mail correspondence that, this is an attempt to collect a debt. I note that this alleged debt, allegedly connected with VW Credit Inc., is disputed and validation requested.
Product: Mortgage

XX/XX/XXXX Bank of America home loan is paid off. First week of XX/XX/XXXXreceived the original note marked " Paid in Full ''. The 2nd week got a check for the balance in the escrow account in my ex-spouse 's and my name. My bank will not honor it. Mid XX/XX/XXXXwent to local bank with Divorce papers, Quit Claim Deed ( signed by my ex ), Declaration of Insurance ( even though I had roof repairs done from XX/XX/XXXX-filed claim through XX/XX/XXXX-finish. The bank had no problem signing the insurance check to only myself at that time. A bank officer took my legal papers and faxed them to the right department. The check will be sent in 2 weeks I was told. 
On XX/XX/XXXX after being passed along to many people and departments with very long hold times I was told I needed to sign an idemnity letter. To speed things along the organization faxed it to me and I signed it and faxed it back. They told me they had the faxed copy of my Divorce, Quit Claim and the Declaration of Insurance. I  was told 2 weeks I should have the check in only my name. It is now XX/XX/XXXX. I feel they don't want to pay my escrow money back because I paid my mortgage off early. I should also have interest/penalties on them for using my money without my permission.
Product: Debt collection

This was paid by insurance.I never got a bill from them.How can it be reported and sent to collections if I never got a bill for anything.I live in another state and this is from Washington.The amount they are claiming I owe is XXXX.This is wrong.It don't pay to get medical help when your from out of town. You get ripped off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report which I would like removed because they do not accurately portray my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that it was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates, XX/XX/scrub> 2024. I'm now requesting you to investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Product: Mortgage

Initially the loan was refinanced with wamu and the loan amount as of XXXX/XXXX/XXXX {>= $1,000,000} and this what was recorded. It was 4 % fixed and mortgage payment of {$4600.00} each month. Payment made on time from XXXX XXXX to XXXX. Chase bank purchased wamu and the loan converted to chase bank. I was paying same amount {$4600.00}. During this time I was applying for loan modification with chase processing. Chase offered 3 months trial payment for the total {$6000.00} starting XXXX/XXXX/XXXX for 3 months. Therefore the payments will be put into a separate account before a permanent modification. I paid each month {$6000.00} from XXXX to XXXX. In the month of XXXX XXXX chase offered permanent loan modification with the following terms new principal balance XXXX XXXX bearing interest balloon payment. There was no option for me to renegotiate the agreement or argue it with chase under writer conditions and I will be forced to foreclose on the property. I did not but I do believe this is unfair financial consumer protection issues. Chase unable to provide me with the details why did the loan amount from XXXX went up to XXXX And I have to pay XXXX for the bearing interest balance. 
Here is the breakdown of the original loan amount. 
As of XXXX/XXXX/XXXX the loan was refinanced by WAMU bank for 30 year fixed at XXXX. I paid every month payment agreed {$4600.00}. Chase offered trial payment XXXX payment of XXXX per month. I paid on time up till XXXX. XXXX Chase offered permanent loan modification but the amount on the loan document did not match the original loan balance XXXX minus the payments that was paid from XXXX, XXXX, XXXX, XXXX, and for XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. Therefore I was not able to discuss the outcome and forced if not signed I loose the home.
Product: Mortgage

Storm damage to my home. Insurance company ( XXXX ) inspected and estimate for repairs approved. Every call to PennyMac there was another reason that a document wasnt correct. After getting what I thought was approval for documents, they then said they wanted contractors license ( does not exist in Texas ) and then a surety bond which is not available for residential repairs. Next they said W-9 had to be approved by IRS. After finally getting all those issues resolved and check deposited into escrow, was given a different reason every day for 4 days why check had not been issued.
Product: Mortgage

XXXX dated XXXX, issued by XXXX XXXX XXXXXXXX, which recorded the XXXX XXXX XXXX  with the XXXX of XXXX XXXX. Chase now claims ownership but no documents were filed by XXXX, with the government recording agency. We are trying to ascertain the distribution and payment amounts, and close out the XXXX of XXXX. 

After we sent several letters to Chase we received a response several months later. By letter dated XXXX, Chase indicated : " ... the additional history that was requested is unattainable .... ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unauthorized information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to accurate and verifiable information on my credit report. The following items appear on my report in error and require immediate investigation and resolution. 
Accounts to Be Investigated 1. XXXX XXXX XXXX XXXX Account Number : XXXX o Issue : This account does not belong to me. Please verify its accuracy. 
2. XXXX XXXX Account Number : XXXX o Issue : I do not recognize this account. 
3. XXXX XXXX XXXX o Account Number : XXXX o Issue : This account is inaccurate and should be removed. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) o Account Number : XXXX o Issue : This account is incorrect and requires verification. 
5. XXXX ( Original Creditor : XXXX XXXX ) o Account Number : XXXX o Issue : I do not recognize or authorize this account. 
6. XXXX XXXX XXXX  Account Numbers : XXXX, XXXX ( duplicate entries ) o Issue : Duplicate entries for the same account must be corrected. 
7. XXXX XXXX Account Number : XXXX o Issue : This account is unauthorized. 
8. XXXX XXXX o Account Number : XXXX o Issue : This account appears incorrectly on my report. 
Unauthorized Inquiries to Be Investigated 1. XXXX XXXX XXXX XXXX Type : Auto Dealers o Date : XX/XX/XXXX 2. XXXX o Type : Other Collection Agencies o Date : XX/XX/XXXX Action Requested : I request that you : 1. Investigate these accounts and inquiries for accuracy and validity under 15 U.S.C. 1681i ( a ).

2. Remove any unverifiable or inaccurate information from my credit report. 
3. Provide a detailed response outlining your findings, including documentation to verify the disputed information. 
I have attached copies of my credit report with the disputed items highlighted, as well as proof of identity ( e.g., government-issued ID and Social Security card ). 
Legal Rights Reminder Under 15 U.S.C. 1681i, you are required to complete your investigation and respond within 30 days of receiving this dispute. Additionally, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of the information in my credit report. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates in writing. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted XXXX and also I have disputed several times an account from XXXX listed on my credit report as derogatory with an outstanding balance. I have paid off the account. I will attached the paid off letter to this complain which was also sent to XXXX. I also called XXXX and they have confirmed my account to be paid in full with a Zero Balance. And XXXX keeps saying that they verified the account to be accurate. They are lying and they are breaking the law under FCRA, by proving erroneous information on a credit file of a consumer. It is the on account under XXXX XXXX listed as Original Account last XXXX : XXXX Creditor : XXXX Regarding The XXXX XXXX XXXX Credit Card XXXX and XXXX are refusing to delete the account even when I have provided evidence of the account being paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

On or about XX/XX/XXXXvia email I was offered a 3.2 % 7/1ARM on a 30 year XXXX loan, not believing it I asked for email verification that that was the correct rate, XXXX XXXX of Huntington bank assured me it was. At that point I ok 'd her to pull my credit report and move forward with the loan. After she told me that actually she had made a mistake and the rate was really 3.9 %. She then promised to remove the credit pull from my record ( all in email ). Having harmed my credit the next place I had pull my credit gave me a less desirable mortgage where her intentional and willfull bait and switch could and did do serious damage to my financial future. I also have no evidence that this is n't a common occurrence at Huntington or with this terrible loan officer in particular and would like it further investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX, XXXX, XXXX i received a copy of my free XXXX XXXX XXXX and noticed inaccurate information in the personal information section, when i was made aware of this i called and sent letters by mail to XXXX XXXX  and Experian to have this inaccurate information removed, XXXX and XXXX removed the inaccurate information with 48 hours, But Experian refused to remove the inaccurate information even after sending documentation which were copy 's of proof of identification, driver license, social security cards, bank statements, utility bill. 

this time i decided to send a letter following the CFPB instructions with sending documents by certified mail with XXXX, which i did on XXXX/XXXX/XXXX, the certified mail was received by Experian at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX. 

today is XX/XX/XXXX and the inaccurate information is still reporting in my personal information section in my experian credit file. the only conclusion i could come up with is i strongly believe i'm being discriminated against because of my age and i'm a XXXX male, i believe if i was a white male, the information would have been removed after i sent a documents verifying my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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 an 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 moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, 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, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, and saw an account for XXXX XXXX in the amount of {$300.00}. At the time the account became delinquent, a house fire caused me to eventually become homeless. Because I didn't have any renters insurance, lost everything. XXXX set in and eventually, I lost my job. I was living from one family member to another for a few years working side gigs.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX DATE OPENED BALANCE {$2500.00} XX/XX/XXXX DISPUTED WITH CREDIT BUREAUS, XXXXXXXX XXXX DATE OPENED XX/XX/XXXX bALANCE {$4400.00}, XXXX DATE OPENED XX/XX/XXXX CREDIT LIMIT {$400.00}
Product: Mortgage

When shopping for a brand new home in XXXX XXXX, XXXX XXXX, Florida - all the Builders steer all mortgage loans to their own Lender and I have been using someone else. Unfortunately if I do not want to use their Lender I have to forfeit a {$7500.00} credit back to me towards about {$10000.00} worth of junk fee 's the Builder is charging me - just to make sure I use their Lender. I went to XXXX and XXXX, XXXX, XXXX, XXXX and all the builders there are doing it! I thought steering was illegal? I am being forced to use the Builders Lender no matter what Builder I choose - they are all doing it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXXXXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, XXXX & Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXXXXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 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. XXXX XXXXXXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXXXXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in XXXX XXXX Credit Report showing all 3 violations.
Product: Bank account or service

I opened an account online with US Bank XX/XX/2016 with a promotional {$150.00} bonus. Their requirements were {$500.00} direct deposits or billpay. I met the requirement via direct deposit on XX/XX/2016. 

I called the bank numerous times to ask, " when will I get my promotional bonus? '' Their responses were XXXX ) XXXX weeks after first billpay ( XX/XX/2016 ) XXXX ) XXXX days after first billpay ( promotion ) XXXX ) go to in-store ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NUMBER : XXXX XXXX XXXX XXXX i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. 


BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. 

United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant.

Court of Appeals of Indiana. March 26, 2001. Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant. Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. 


ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM
Product: Credit reporting

I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on XXXX payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?