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

XXXX credit Report of XX/XX/2019 derogatory remarks removed by XXXX with the communication of Prestige Financial Services.

I marked with word of delete for Credit Reporting agencies to delete negatives and for evidence for Prestige that negatives of my Auo loan # XXXX was removed by XXXX. 
Prestige administration made communication with XXXX to delete derogatory from my credit Report for XX/XX/2019.
Product: Consumer Loan

Last year around XXXX i went to Car Hop. A Buy here Pay here car lot. they told me i could put any amount of money down and drive off with any of the selected cars i was approved for. They did not tell me the price until i signed the papers. at the time i was in desperate need because i had to get back and forth to work and school. i did n't have any help but never wanted to put myself in a fix. And at the time i was only XXXX. But i ended up picking an SUV i found interest in. I asked the price but they ignored the question. so i just followed through because i was just excited that i got approved. After i signed the papers i asked the price again and they ended up telling me it was {$8000.00} almost {$9000.00}.! but at that point i could n't bag out because i already signed paper work. If they would have to me the price when i first asked i would n't have ever purchased a 2003 XXXX for that price. so that 's the first way Car Hop had gotten over on me. Second i 've had complications with this SUV since i first got it. the altinator always go out, the tires always blowing up and i put my life in jeopardy driving on the highway because of this. I 've put more money into this car than anything! Last, now since they 're closed down ( and the car is down now as i speak ), im trying to get another car but i ca n't. Everything car lot tell me that Car Hop put me in a bad position because first they put A LOT of interest on the car plus they over charged me, plus they messed up my credit. Im only XXXX and cant get nothing because of the broken SUV that 's on my name. Every car lot tells i would have to get a second loan or they will have to add the rest of the SUV onto my new car ( making my new car note $ XXXX {$500.00} ) and i feel its just unfair. i need to get this car off my name. I need money or for Car Hop to get this car off my name. I 've been patient for so long but its got to a point where it 's ruining my life!! im only a college student with a full time job. I cant get anything or get approved for anything in my name because of an over charged car with high interest from Car Hop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX in regards to how my accounts were displayed and he advised that the accounts should reflect no reporting data, however, company continues to verify late payments that do not exist with the credit bureaus. The incorrect payment history reflects poor habits that I never created.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX  loan with XXXX on XX/XX/2024. They turned me down based on information provided to them from Experian. Experian said that I had serious delinquency on my credit report. My online profile with Experian does not show any such serious delinquency at all. I attempted to contact Experian at ( XXXX ) XXXX to ask them to specify what exactly the serious delinquency is that prevented me from securing the loan. Their automated phone system will not allow you to speak with an agent. It only offers self service help by an automated system. It states that it will only allow a small amount of callers to get through to an agent but offers no clue for how you can do this. Experian essentially makes the decision whether you get a loan or not based on false information as far as stating my credit report contains serious delinquency and you have no due process to dispute this or even inquire and speak with XXXX of their representatives on the phone. I attempted to file an online dispute on their website but because they do not display any serious delinquency entry on my credit report, I could not submit a dispute. I contacted a representative from XXXX on the phone but they just go by what Experian tells them and they dont have any insight into what they provide. They acknowledged that I had a good prior history with them with a prior auto loan and a motorcycle loan and they were sorry to hear about my experience with Experian. These credit bureaus do what they want and the consumer has no rights or course of action to counter what they say or do.
Product: Debt collection

The debt was paid in full to Data Max on XX/XX/23, I was told that XXXX XXXX XXXX XXXX was who I needed to contact about removing it from my Credit report. 
City of XXXX said Data Max is suppose to be the one to report to the XXXXredit agency 's These two Company are playing game 's with me on which one is the correct one to report to the credit agency for removing it off my report. I'm waiting to close on my house this is the last bit of information needed. Please help!!!
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Student loan

The Department of Education sent Mohela a confirmation that they ( Dept. Of Ed. ) sent discharge approval for my loans on XX/XX/XXXX. 
On XX/XX/XXXX after seeing no movement and receiving no correspondence from Mohela, I called them. Mohela told me they can only do what the Dept. Of Ed. tells them to do regarding forgiveness/discharges. I told them that the Dept. Of Ed. had sent them at least 2 approvals of my discharge, Mohela had no other info to give me other than to call the Dept. Of Ed. So I called the Dept. Of Ed. immediately and was told they would send a 3rd confirmation of discharge approval for my loans to Mohela. As of today XX/XX/XXXX I still have not seen any movement nor received any correspondence from Mohela regarding the issue.
Product: Money transfer, virtual currency, or money service

I have encountered a distressing situation in which I fell victim to a fraudulent scheme, resulting in a financial loss of {$1700.00}. The scammer deceitfully obtained these funds from me. In an effort to address this issue, I initiated a dispute with Valley National Bank 's XXXX division. Regrettably, despite the passage of time, no action has been taken to investigate or rectify this matter. 

My initial claim was submitted in XXXX of 2023, and for XXXX months, there was no communication or progress. Faced with this silence, I took the initiative to contact customer service in XXXX. During this interaction, they requested that I provide evidence to substantiate my claim. Accordingly, I forwarded documentation comprising a filed police report and a comprehensive XXXX  document detailing the email correspondence that outlines how the fraudulent activity transpired. 

Despite my persistent efforts to follow up every two months, I have received no further communication or resolution. This prolonged delay and apparent lack of urgency have left me feeling as though my case is not being treated with the seriousness it warrants. I remain hopeful for a timely and equitable resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up an automatic payment from my XXXX loan due to the XXXX Virus and all banks being closed to inside customers they did not take my payments out of my XXXX ACCOUNT for 4 months instead placing me as delinquent and the report caused my limit to be dropped on my VISA to {$500.00}. I have paid all monies owed and would like my credit card amount to be restored to {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with the accounts below I recently sent a Complaint on XX/XX/XXXX XXXX I'm bothered by the results I sent documentation of proof that TransUnion has broken the law. I'm sorry but CFPB did nothing there are multiple infractions with documentation. 
one of which never actually validated my dept since XXXX but continued to send my validation letters. completely unacceptable. 

In accordance with the fair credit reporting act XXXX  account # XXXX and account number XXXX have violated my rights. 

15 U.S.C 1681 Section 602A 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 written instruction. 

XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX : look at the images attached. XXXX debt was supposably verified but shows the debt was truly never validated still shows an update date in XXXX even though the CFPB said everything was okay on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have tried repeatedly to get charged off/written off accounts off my credit report for over a year. The debt was cancelled and written off by the bank/lenders and I have the 1099C Cancellation of debt event codes 6 & 7. 

As outlined in the IRS guidelines when a debt is cancelled and written off the creditor acknowledges they have written the debt off. Event codes 6 indicates the creditor has discharged the debt event code 7 signifies the cancellation of the debt for tax reporting purposes. 

I have asked that they updated my report to reflect these cancellations and remove any references to charged off or a balance. I ask that they be removed or mark account as settled, paid in full or discharged with XXXX balance. 

I have submitted documents to support my request however they continue to just update the account without any acknowledgment of my documentation. Im ready to file suit in the court of law for unfair credit practices as they have continued to deny my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company before disputing this debt. Someone stole my information and has opened several cards in my name. The person involved was renting a room in my home and had access to all of my personal information. The person left my home without any notice and also had stolen my cell phone. During the time the person was living here, I didn't see any mail from these companies. The person living here was able to get the mail before me. I have contacted the 3 credit bureaus as well to try and find out information on why this item was on my account. This is causing a severe problem in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

One account was removed, and the other 4 inaccurate one 's remain ... and they look to be duplicates ... 

XXXX XXXX {$240.00} XXXX XXXX {$240.00} XXXX XXXX {$530.00} XXXX XXXX {$530.00} Original creditor : XXXX  XXXX XXXX No contracts exists ; settled accounts with original creditor, grave error, and against F.C.R.A. law Please be advised this is against F.C.R.A. law and is a violation of my rights.. The inaccurate and unverified items listed below remain on my credit report in violation of Federal Law. These accounts were settled with original creditor. There is no contract with collection agency, no valid verifiable claim. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.
Product: Mortgage

I have a home equity loan with SLS, formerly XXXX XXXX XXXX. I entered into a loan modification with them in XXXX at a monthly amount of XXXX. They continue to show a suspense amounts on my statements usually of XXXX and always past due amounts, My first payment in XXXX was applied to principal and should be to interest, and I have called repeatedly and written to their corporate offices as told to by their customer service dept to get this reapplied. 

I always call the automated system and on XXXX the total amount due per them was {$630.00}, which I paid on their automated system from my account at XXXX Bank, which should have brought me to XXXX XXXX due until XXXX XXXX. I just got a statement dated XXXX which says I owe {$1200.00} by XXXX, and {$580.00} is past due. How can I be past due that amount if I paid everything current as of XXXX per their system. When I was told by their customer service person XXXX to write to the corporate office XXXX cash apps XXXX to get the first payment applied correctly, it has never happened.
Product: Checking or savings account

I have been banking with 5/3 bank now for almost XXXX  years. Back in XXXX of XXXX I cashed a check for XXXX some XXXX dollars that was issued to my XXXX XXXX and my handyman for an insurance claim from XXXX XXXX. XXXX is my XXXX XXXX and 5/3 asked him to come in show his ID to verify this is his signature. So he did and they put a hold on the check for XXXX weeks and then it cleared my account for I can start the work on my house to fix it. Then they cashed another XXXX of these that was XXXX in XXXX of XXXX without him having to come in and show his ID. Then XXXX was detained and is in an establishment that he can not leave so he made his XXXX  his POA knowing this was going to be coming up as he is still on the mortgage and that we still had XXXX more checks that needed to be deposited into my account to continue the renovations. They denied his POA and even though his new DL license has his new address with the facility proving that in fact I am not trying to scam the bank that is detaining him they will not deposit this check. XXXX XXXX is his XXXX  and she tried to come into the XXXX XXXX XXXX with her DL to prove who she is, not to mention I provided them with the XXXX  as well and my lawyer said I read about the typical things XXXX  can fall short on ( being too limited or dependent on some future event before they kick in or etc etc ) and this has none of those. They turned XXXX down and said there is nothing that can be done. I made an appt on XX/XX/XXXX with the XXXX of the XXXX XXXX branch to have them reconsider this and they denied it again because it is their policy and that there's nothing that can be done for me. I am just trying to get my life put back together and 5/3 is denying me for no reason! Please help me in this matter time is of the essence and I am a single mother who is just trying to get our home put back together. Thank you so much I do appreciate it.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Based on the information provided, it appears that there are 2 ( two ) incorrect accounts with XXXX that are being reported on my credit report, and my dispute to have them removed has been unsuccessful. 

Even though the credit reporting agency admits, the account is inaccurate, which makes it willful non-compliance Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. The credit reporting agency is required to investigate my dispute and provide me with the results within 30 days. If the investigation finds the information to be inaccurate, the credit reporting agency must correct or delete the information. This is supported by the case of XXXX XXXX XXXX XXXX XXXX XXXX where the court held that the FCRA imposes a duty on credit reporting agencies to conduct a reasonable investigation upon receiving a consumer 's dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) provides protections against abusive, deceptive, or unfair debt collection practices. If the XXXX account is being reported in an inaccurate or misleading way, this could be a violation of the FDCPA. The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX established that the FDCPA applies to the activities of debt collectors, which could include the reporting of debts by financial institutions.

The Gramm-Leach-Bliley Act ( GLBA ) also requires financial institutions, including XXXX, to protect the privacy and security of my personal financial information. If the institution has failed to properly safeguard my information or has disclosed it without my consent, this could be a violation of the GLBA. The case of FTC XXXX XXXX XXXX XXXX demonstrated that the GLBA imposes data security requirements on financial institutions, and a failure to comply can lead to enforcement actions..

Being as though this is not the first attempt to fix this problem, the credit reporting agency no longer has 30 days to respond, but they have to delete in 10 business days or less
Product: Credit reporting or other personal consumer reports

Experian has reported my personal information without my permission. Experian brought and or saying/trading my personal information violating my consumer right 15USC 1681. These third party LLC like Experian did not receive my permission or consent to report any of my personal information for monetary gain. I will pursue legal action in court if Experian does not remove and all information related to my personal data. It is defamation against my character and is a direct result of me being able to have the fairness I deserve, all loans, credit card information, hard inquiries or collections should be removed immediately as to the law 15USC 1681. Please respond to this issue as soon as possible. Congress does not give Experian the right to violate my personal information.
Product: Debt collection

I was on XXXX while unemployed and XXXX   when I was ordered by my doctor to get some XXXX   XXXX under XXXX. I noticed i was getting billed for the XXXX XXXX thinking XXXX was a little late processing the billing. Months later Franklin Collection was on my credit for over {$570.00} for an unpaid bill. I tried to dispute it and provided copies of emails showing I had XXXX at the time along with a statement from the billing manager at my doctors office ( XXXX XXXX ) stating they may have billed in error. So in other words I/ my credit has to suffer for someone else 's mistake. I'm highly upset.
Product: Debt collection

While reviewing my credit, there was a notification of a new account in collections. The account indicates that I owe {$260.00} and was opened on XX/XX/2018. To date, I have not received any kind of written notices indicating I owe said amount, furthermore, I have never been to a clinic named XXXX XXXX XXXX. 

No attempts to contact regarding this account have been made to me.
Product: Mortgage

Had a Home Equity Loans through XXXX, on XXXX, recorded with the XXXX County Register of Deeds under Liber 3075, Page 904 that was transferred to E*Trade Bank under account number XXXX. I paid this loan off with check number XXXX on XX/XX/XXXX ( see attached copies ). To Date, this loan was never sent to the XXXX County Register of Deeds  as being paid off. I have been trying to get this information recorded since XXXX and continually am being told it was transferred to XXXX XXXX. It was not as I have the documentation showing I paid it off. There was a different XXXX Home Equity Loan that had gone to XXXX XXXX and was recorded as released to the XXXX County Register of Deeds. I have contacted E*Trade about this problem and was told that it was sold to XXXX XXXX XXXX again ... it was not or I wouldn't have the documentation showing my check information and subsequent bills from E*Trade Bank showing my balance is " XXXX '', not that it was transferred to anyone else. I am submitting copies of my documentation showing I was the one that paid it off through E*Trade Bank on XX/XX/XXXX. The response they sent me in XX/XX/XXXX is for a different Liber and Page number for a different loan, not the one under Liber 3075 Page 904 that still shows outstanding. Both HELOC loans I had were paid off, one by MERS and XXXX XXXX under Liber 3428 Page 169 and one by me under Liber 3075 Page 904.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Thanks for considering my issues that I have about my credit report. I had a car lease from XXXX from XX/XX/XXXX and the maturity date was on XX/XX/XXXX. I did extend up to three month until XX/XX/XXXX. But right then I flew out of the country on XXXX XXXX to attend my Father as he was admitted in XXXX. He passed away on XXXX XXXX. I couldn't return back right after as the lockdown implemented and flights were cancelled indefinitely. I booked a special flight on end of XXXX and retuned the car on XXXX XX/XX/XXXX. I wasn't paid at my time of absence while I was out and did pay two months lease and missed few month payment since I couldn't afford anymore. 

While returning, I paid the remaining fee and disposition fee. The vehicle was not drive from the day I was out and I did cancel my insurance for that time period. 

I have all the proof of my departure and arrival back into the country and my father 's death certificate as well as stamps in my passport. 

But I've accumulated four late payment marks in my credit report and the credit score dropped significantly. Just because of that, I couldn't lease a car from the same manufacturer or anywhere else. I have also problem in leasing an apartment or anything else that related to credit check. Looks there is no more hope for me in moving forward. 

Had there was no pandemic or lockdown my situation would be normal like anytime before and I would have been in a different comfortable situation. Things were not in my hands and it just happened likewise for everybody else. 

I kindly request you to consider my situation and look into this matter for a positive outcome. Thanks.