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

Hi I paid the loan 2 months ago and last week I went to the DMV and I couldnt get the title because Rapid Auto Loan has a lien on my car I called them several times and they said is not them
Product: Consumer Loan

I have 40 years of a perfect credit history. I have leased and financed cars for 25 years and I have never had such a horrible and dishonest experience as recently had with US bank. I obtained a 3 year auto lease from US bank in 2013. Upon turn in of the vehicle I was assessed a {$3500.00} excess wear and tear fee. The fee was assessed after some 'independent ' inspector mailed me XXXX grainy black and white photos of a vehicle. I am still not certain the photos were even the vehicle I turned in. XXXX of the major items was that the inspector noted that the tire tread was low. However, the tires were XXXX brand new XXXX with less than XXXX miles on them. The tires were a far more durable and long lasting version than the original tires that came with the vehicle. The 'inspector ' also noted the engine was in 'fair ' condition even though the vehicle was regularly serviced at the dealership and under the program they recommended. The car was 'babied ' and taken care of perfectly. All other inspection items noted were non existent and disputed.
Product: Debt collection

On XX/XX/2018 National credit adju ( XXXX ) filed on my credit I owe {$1200.00} I do not. I have never done business with this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I bought a vehicle from XXXX of XXXX XXXX, although I didn't finance the purchase through them. I financed through XXXX XXXX. Despite this, XXXX XXXX XXXX XXXX bank conducted XXXX credit inquiries. On my credit report, the first inquiry is listed as XXXX XXXX XXXX, and the second one is attributed to XXXX XXXX XXXX XXXX  XXXX I've reached out to their financing department multiple times, and they assured me they would address the matter with their bank. Unfortunately, they have since ceased responding to my calls and emails. I've left voicemails regarding the issue, but there have been no updates.
Product: Credit reporting or other personal consumer reports

Disclosure rights Unauthorized Disclosure, is the communication or physical transfer of classified information or controlled unclassified information, to an unauthorized recipient. ( 15USC 6802opt out ) 16 ( CFR 313.7-433.2 433.3
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act
( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Also, see the image above for CITICARDS CBNA ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Viewing Dispute Status ( XXXX ) demonstrating N. I am reaching out to you because the content of this account does not meet XXXX XXXX XXXX requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finances. Please fix this account immediately! 
When I scrutinized Payment Status ( XXXX ) presenting CollectionOrChargeOff This account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! 
Viewing Credit Limit ( XXXX ) demonstrating XXXX. The content of this account does not meet XXXX XXXX requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with XXXX XXXX requirements or else I will have my ability to finance questioned. This account needs fixing immediately! 

attach you will see document
Product: Checking or savings account

There was fraudulent activity that took place on some accountsthat were not at my discretion which resulted in them closing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with Capital One /Walmart for months now. In XXXX of this year there was a charge made on my card that I did not do. When I notice it in XXXX went into Walmart and report it fraud and cancelled my card. Capital One filed a fraud report and said that it wasnt fraud. Totally XXXX .. Their reasoning behind it was that it was a chip card and was not reported lost or stolen. So that would only mean that someone got ahold of my number and did a purchase online. On XX/XX/2021 again I spoke with a fraud specialist at Capital One and again he deemed it not fraud and refuse to remove the charges, I then try disputing this myself and even went down to my locl police station and file and report and Id theft affidavit. Why would I go thru all this trouble if it wasnt fraud. This is interfering in me purchasing a home. I have enclose a copy of the police report the dispute I file and the affidavit. I want this remove from my credit ASAP
Product: Debt collection

I received a letter from American Coradius International saying I have a XXXX debt. I do not and never had a XXXX account.
Product: Checking or savings account

Someone has all my information my social security number. My emails and passwords And my checking account information. There has been money withdrawn. And loans taken out in my name that I never authorized. And emails sent from my email. Ive also had quite a few reversals in my account that I would never dispute because theyre necessary. I contacted my bank and they froze my account. I had to get a new bank now. But idk what is going on. Its hurting my credit tho and money is tied up. Idk how this happened
Product: Mortgage

In summer of XXXX, TD Bank first contacted me and claimed that my homeowners casualty insurance with XXXX had lapsed, which it had not. I sent TD Bank on 3 separate occasions the proof that my coverage had not lapsed including a final phone and email conversation with one of their representatives and am cc from my insurance broker with independent declaration pages from XXXX and proof of coverage. It appeared that the matter was settled. TD is entitled to have insurance on the collateral they loan against, but they can't defraud their borrower who already has the requisite coverage in place just so TD bank can earn free money. 

Then in summer of XXXX, TD Bank apparently purchased Forced Placed insurance on our primary residence with no basis for doing so and no notice to me. Since state and local taxes have increased, I believe the increase in my monthly mortgage payments were due to local taxes. TD never sent me any confirmation of Forced Placed insurance nor confirmation of coverage as I'd be the beneficiary too, not just TD Bank. 

Most banks have been running this same scam and there have been large scale settlements -- except I do not see one with TD which means the regulators simply haven't gotten to TD yet. I am an ex regulator myself having worked for the SEC so I know what I'm talking about. 

I only discovered this in the past 2 weeks as we recently sold our home and TD sent us a check and the details of their scam. They owe me unearned premiums of {$9700.00}, plus punitive damages, plus an apology letter. 

They didn't even have the sense to set up any redundant policy with the correct coverage amounts so goosed the coverage WELL BEYOND their own loan limits of approx $ XXXX and bought coverage of $ XXXX so that they could earn EVEN MORE on their fraud. 

This is a big money maker for the banks ( or was ) and TD needs to be investigated beyond my own claim as my impression is that they are doing this to many other borrowers as well. 

Thanks in advance. And I'm still reserving all my additional options against the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

defamation of character. 
XXXX said my XXXX shows a late clearly from XXXX paid on time never late
Product: Vehicle loan or lease

Talked to XXXX  today the executive advisor on my case and she Claimed the last payment I made went toward interest and partial to the principal payment but was not given any numbers on what I actually owed. Never received information on how due date was calculated or why my balance was {$2800.00} all he ever says is hes working on it but he has all the he need. I went to pick my vehicle up at XXXX at XXXX XXXX and the battery isnt working and the driver side window is cracked/ broken and tried to make a claim with both companies but nothing was done about anything.
Product: Credit reporting, credit repair services, 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 USC1681. 

XXXX 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 a account without 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

I canceled my services with XXXX and paid the final balance of {$110.00} on XX/XX/. That payment cleared my checking account on XX/XX/. I received a letter dated XX/XX/XXXX  from VALOR INTELLLIGENT PROCESSING LLC stating that they were attempting to collect a debt from XXXX in the amount of {$110.00}. I chatted with XXXX to verify there were no problems with my final payment. They assured me my account showed a XXXX balance and had been paid in full. I then called VALOR INTELLIGENT PROCESSING LLC and gave them the details of the payment that I made. I then filled out the dispute form attached to the letter and mailed it along with a printed copy of the chat that I conducted with XXXX verifying that my account was paid in full. I have now received a letter from XXXX XXXX XXXX XXXX XXXX XXXXXXXX stating they are attempting to collect a debt for XXXX XXXX XXXX in the amount of {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Covid-19. As soon as the pandemic started in late 2019, I was pregnant and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of Covid-19.
Product: Debt collection

Received a call from XXXX. Rep stated I owed a " XXXX '' monies from XXXX. I do not recall this alleged debt. It was also stated account was opened XX/XX/XXXX, which today is XXXX. I did not receive any mailings from this company.
Product: Credit reporting or other personal consumer reports

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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 
Dispute the validity of the debt within 30 days of receiving the notice. 
Request verification of the debt before any further collection efforts are made. 
If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX  15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement informing the consumer of their right to dispute the debt within 30 days. 
A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX, XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I closed my SYNC Bank Amazon Prime Store Card account after the final payment making it {$0.00} outstanding- on XX/XX/2019. 

- Despite closure SYNC BANK is continuously reporting wrong credit info to both XXXX and XXXX- decreasing my credit history. 

- As of today XX/XX/XXXX, Sync Bank they have last reported {$2900.00} outstanding on XX/XX/2019 and has reported {$3200.00} outstanding as of XX/XX/2019. Evidence is attached with this complaint in form of jpegs. 

- Due to this my reported utilized credit has gone to 99 % on XXXX and 91 % on XXXX. Evidence is attached with this complaint in form of jpegs. 

-It is noteworthy that I have made 100 % payments on time on all my cards let alone Amazon Prime Store Card . 

- My Amazon Prime Store Card was formally closed on the actual date of XX/XX/2019. Evidence is attached with this complaint in form of jpegs. 

- After I disputed this info with XXXX XXXX it was rejected by Sync Bank as invalid or inaccurate. And that they can not further process this request anymore. Evidence is attached with this complaint in form of jpegs.
Product: Credit reporting or other personal consumer reports

Sunbit report 3 late payments to the credit agencies. According the XXXX XXXX XXXX 15 usc 1681 ( a ) ( 2 ) .exclusions ( i ) this redoing is a violation of the law.this law under exclusions states that .EXCLUSIONS : Except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( sunbit ) making the report. Therfore reporting late payments to XXXX, XXXX  and XXXX is a clear violation of this law. Please remove late payments from my credit report.
Product: Credit reporting or other personal consumer reports

Credit bureau is reporting a XXXX XXXX for an increase in debt on card. The card debt was {$0.00} and increased to {$200.00}, which is about a 5 % use of the limit. There is no reason for the point. Unless you get a XXXX XXXX  just for using a card under 10 % of the limit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Checked my credit report and noticed an account I had no knowledge of and contacted the debt creditor on the phone I was told to have it removed I had to pay the full amount even though the debt is not mine I even provided them with my proof of address
Product: Credit reporting or other personal consumer reports

The List of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Student loan

I have astronomical private student loan debt from attending XXXX XXXX XXXX University. I was given false hopes and promises. I did not receive my XXXX in the end, but am only a few classes away, but was told I do not qualify for any more student loans. 

Navient has been servicing my loan. They have been lying to me. My mom co-signed a couple of loans for me and they harrased her morning, noon and night over the phone. 

They did not and would not give me options to have my co-signor/my mom removed from the loans. 

Navient also only gave me one repayment option. I have been paying {$460.00} and now {$480.00} per month for nearly four years. My loan balance continues to increase and my accrued interest continues to increase. I have paid them several XXXX dollars thus far and Navient will do nothing to assist in helping me lower my payments and the overall loan balance. They refuse to give me any other options.
Product: Credit card or prepaid card

I am paid off my credit card with comerica and contacted them to close the account. A couple weeks later I called to confirm if the account was closed because it didnt appear to be on their app. She advised that the account was in the process of closing, and I inquired how long is the process. She advised it could take up to a year. I dont understand why it would take so long to close a credit card out that is in good standing and has not had any additional transactions on it.