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

I went to the XXXX of XXXX where I was in need a vehicle. While there I was told the only thing I could get into was a used car that was priced at XXXX or so maybe XXXX I gave a XXXX down payment and was put into a loan for XXXX. While at the dealer I had concerns about the vehicles operating conditions the motor had a tick the side mirror power motor was messed up which almost let me to get into a accident and a couple of other things. While knowing I just jumped into a XXXX loan I was told because the car was sold as is that I only had 3 days to fix any issues with the vehicle. When I left the dealer I took the car to a mechanic who told me that the pistons on the motor were done at that the vehicle was not worth getting into the next day which was day 2 of having the vehicle I took it back to the dealer where they did a check and told me everything was fine but that they would fix the side mirror. Not believing them I took the car to another mechanic who told me the motor was done as well after the dealer told me the 1st and 2nd day that the car was fine. For months I struggled with a car that drove with hardly any power and had a loud tick and was burning oil quicker then quick I wrote letters to the dealer made complaints to XXXX made complaints to XXXX with no solutions other then I had to take it to the same XXXX dealer that told me everything was good and Pay for a diagnostics out of pocket for them to do anything for me. In the end I was given a coupon for XXXX towards a down payment of a new car that I couldnt even use because my credit score did not allow me to have a new vehicle. The monthly payments were about XXXX the insurance was XXXX I was stuck with a car that would need a motor and a XXXX loan. I dont think that what was done to me was fair nor was it right I was taken advantage of and lied to and pressured into buying the car and believing that it was the right choice I also have XXXX kids that this car made me go into a financial hardship. The dealer was negligent after being tired of the car driving poorly I stopped making the payments and I volunteered to surrender the car where the loan company took 4 weeks to pick it up off the side of the road and they resold the vehicle for XXXX and left a XXXX remark on my credit score
Product: Credit reporting or other personal consumer reports

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am writing to you to express my concerns with how the handling on Zelles part with some disputes, specifically of recent CFPB lawsuit that has highlighted certain issues with the platform. Even though in use of Zelle countless times and making reports of discrepancies, Zelle and my financial institution failed to investigate claims thoroughly. They informed me that recovering funds was not possible and that tracking the transactions werent available. The CFPBs findings indicate that not only has Zelle neglected to protect its consumers but also allowed repeat offenders to exploit the system, leaving many users vulnerable to scams. The lack of accountability and transparency is something that can not be stand for and raises questions and concerns about the safety of the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report identified as XXXX  funding. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all XXXX credit bureaus with all XXXX saying the debt was valid. We disputed XXXX times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX  they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with XXXX others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the XXXX others that they can not validate be removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of disputing this fraudulent activity on my consumer report and asking these items be removed due to identity theft after sending in several ftc forms thru the credit bureaus and they respond and say this alleged debt is accurate and I am the original creditor i can only verify debt as true based on 15 USC 1692c i am invoking my specified remedy as the consumer and original creditor I am demanding all late, negative and all fraudulent activity be removed to correct my consumer report!!!!
Product: Mortgage

URGENT - SHERIFF SALE TOMORROW - XX/XX/2015Hi. I was fraudulently turned down on a loan modification. 
XXXX XXXX is investigating the problems but I just called and he did not pick up. 
His voicemail says he will return the call within 24 hours and by then my home will be sold under a Sheriff Sale. His phone number is XXXX x XXXX. 
Please call him. 
Three weeks ago, I got a call from Wells, Fargo Home Mortgage that my loan was denied because it was over {$720000.00}. I applied on XXXX/XXXX/15 for a loan modification with a loan over {$900000.00} ( Wells, Fargo knew this and sent me the paperwork ). 
I called to say " how could this happen? ". XXXX XXXX told me I was grandfathered for the XXXX loan but the reason I was turned down was I did not provide a profit and loss statement for my real estate company. I do n't have a real estate company and no one contacted me about this. They just want to get rid of my home! 
Then, XXXX XXXX sent me a letter stating that she wanted to help me, but it is to late due to the Sheriff Sale. How can this be? The bank can stop the sheriff sale anytime they want to do it by just calling their attorneys. 
Then I got a call from XXXX XXXX and he said he is investigating the whole matter but that was just last Thursday and the Sheriff Sale is tomorrow. I do n't know what is going on but this in not right. He must stop the sheriff sale so he has the time to investigate this matter ASAP & gt ; Please help me. Thank you, XXXX
Product: Checking or savings account

My wallet was stolen and inside my wallet was a few person items like my ID my social security card my debit cards and a few other things. I reported this to Chase bank and my claim was denied the next day. With no reasoning as to why. Since I forget everything I wrote down my new debit card pin which was inside my wallet. I just had a baby 3 weeks ago I cant afford to have money go missing. Chase isnt any help at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through XXXX XXXX  website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my crredit report.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 and update or remove them immediately in my report 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 PULLED MY REPORTS ALL 3 I NOTICED BANKRUPTCIES IS REPORTING ON TRANSUNION ONLY. I SENT IN ALL SUPPORTING DOCUMENTS, MY XXXX REPORT IS NOT REPORTING ANY BANKRUPTCIES AT ALL, TRANSUNION STATED THAT THEY ARE, THAT IS INACCURACY INFORMATION, I ASK THEM TO REMOVE MY BANKRUPTCIES immediately immediately. THE FAIR CREDIT REPORTING ACT MENTIONS NOTHING IN SECTION 1681C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILING.THE LAW CLEARY STATES FROM DATE OF ADJUDICATION OR DATE OF ORDER FOR RELIEF ANY CASE CIVIL OR OTHERWISE WHICH IS DISMISSED NO LONGER EXISTS IN THE EYES OF THE LAW, AND A CASE FILED MAY NEVER HAVE ACTUALLY BEEN ADJUDICATED.
Product: Debt collection

credence resource management LLC XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX tried to collect on a debt that was on my recent bankrupsey. I gave him my attorney name. it was a medical bill for XXXX XXXX. Their phone number is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX VIA DEALER ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX Equifax inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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: Mortgage

Mr. Cooper mortgages Companies simply have been playing games with me and the games continues. Im an XXXX XXXX XXXX XXXX veteran and have been tax exempt since XXXX  2024 and my mortgage was transferred to these guys. I report my status and uploaded my VA decision letter and my county letter to the Mr. Cooper Powered by XXXX portal after receiving the county document. A few days later, I followed up with them. I was told, they had my documentation and that when the county usually pay my taxes, I would receive my escrow refund. I accepted that statement but now relaize that was a lie. 

I had another veteran firend who began tax-exempt status a few months later. He provided this paperwork to his mortgage company and XXXX weeks later he received his escrow refund. 

Learning that I called XXXX again. I was told, that the previous XXXX person told me something wrong. I was supposed to be able to receive my escrow refund in that manner my friend received his. I was given the brush off apology but told I still couldnt get my escrow refund because my loan was being package up to be transferred to Mr Cooper. I was told Mr. Cooper knew they had to take care of the refund. They XXXX gave me the case number pertaining to the issue on the new mortgage. ( XXXX was the tracking number ). 

I called Mr. Cooper immediately and they said they had to get the loan in and get it analyzed first. I said ok. The guy didnt know anything about that tracking/case number. They said they received my loan XX/XX/XXXX or XXXX, 2024. They an escrow analysis XXXX XXXX, 2024. Light bulb went offsomething is wrong there with what Im being told. The escrow analysis was done before they got the loan??? 

Since that day I have received a mortgage statement almost every day for about XXXX weeks. I believe it was more harassment purposes because I told them I felt harrassed in on of our XXXX  call, they slowed down. But with that Ive called them no less than XXXX time trying to understand why I have received my refund. I was told an analysis was done XX/XX/XXXX and now I have a document that shows when it was done. 

In other conversations Ive been told my case has not been assigned to anyone, no one is assigned to cut the check and another analysis had to be done. One of the customer service personnel saw the number of calls I had made and she would take my case. I called back a few days later, and then no one had been assigned to draft the check. 

This Mr Cooper Mortgage machine is unethical, expert liars or dont know their jobs and needs to be audited. I want and need my escrow refund and should receive interest on what ever that amount will soon come to. 

I humbly ask that you would please help me in getting my refund. Ive already started an application to move my from this mortgage company.
Product: Credit reporting or other personal consumer reports

FRAUDULENT INQUIRIES WAS DONE ON MY REPORT AS WELL AS A CREDIT CARD : EQUIFAX INQUIRY : XXXX XXXX XXXX  XX/XX/XXXX XXXX INQUIRY : XXXX XXXX XX/XX/XXXX XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX DATE OPEN XX/XX/XXXX FTC REPORT ATTACHED
Product: Credit reporting or other personal consumer reports

Loan established with XXXX XXXX For vehicle : XXXX on XX/XX/XXXX for an original balance of {$16000.00} The first Payment due XX/XX/XXXX of {$390.00} is made early on XX/XX/XXXX via mobile app. Pausing auto pay features. XXXX XXXX then proceeds to withdraw on the XXXX due to the time window, causing XXXX  XXXX  to duplicate the payment that was already received for the account. As the consumer, I reached out to the XXXX XXXX  team to fix the issue, was informed that the payment was a system error. ( FIRST MISTAKE ) following this event XXXX XXXX inaccurately reported a balance to, XXXX, XXXX, of {$14000.00}. 
Following this issue XXXX XXXX reported increases of the balance by an additional {$1100.00} to {$15000.00} ( also an inaccurate Balance ) Reaching out to fix these system errors I am told my only option for their inaccurate reporting is to file a dispute with XXXX XXXX with no security of this issue not recurring. Following this issue there is an additional Balance Increase reported XX/XX/XXXX via XXXX, XXXX, from {$15000.00} to {$16000.00}. 
These negligent reporting acts have decreased my credit from XXXX to XXXX in a matter of XXXX  days. 
The current Balance for account ( XXXX ) is {$15000.00} as of XX/XX/XXXX which is NOT CURRENTLY REPORTED TO CREDIT FILES. 
Each month has been a BALANCE INCREASE reported, while payments have been made on : XX/XX/XXXX - {$390.00} XXXX {$390.00} XXXX {$390.00} Interest charges : XX/XX/XXXX - {$140.00} XXXX {$40.00} XXXX {$54.00} XXXX XXXX {$390.00} ( error by XXXX XXXX XXXX  XXXX {$96.00} XXXX {$180.00} False Reporting/ INNACURATE REPORTING/ NEGLIGENT WITH CONFIDENTIAL INFORMATION/ INACCURATE CURRENT REPORTED ACCOUNT BALANCE
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. XXXX XXXX was given access to my personal and financial information without my consent or authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my XXXX XXXX debt in full.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$710.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B requires that any inaccurate accounts be removed from my credit report. This entry is reported inaccurately, please remove it. I am entitled to {$1000.00} for each incorrect entry on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my student loans were part of the public service student loan forgiveness. I have the letter from XXXX. I'm grateful. However it's still showing on my credit and I need it gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/XXXX. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 


XXXX XXXX {$450.00} XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$700.00} XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$150.00} XX/XX/XXXX
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.