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

Assignee/Lender Name : Audi Financial Services XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Re : Acct # XXXX ; Car Year : XXXX ; Make of car : XXXX ; Model : XXXX ; VIN Number : XXXX ; Stock Number : XXXX ; I am writing concerning the above-referenced accounts and transactions. 

This vehicle was repossessed by Audi Financial Services in the State of California on XXXX through a third party repossession party, XXXX  XXXX XXXX XXXX XXXX. 

Under the laws of the State of California, California Commercial Code 9609 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Furthermore, according to California law, the repossession was illegal and a breach of the peace. 

On the day of the repossession, the repossession agent illegally broke into my car, then used intimidation during the repossession by blocking my exit from the premises, preventing me from leaving, therefore imprisoning me, which is considered a breach of the peace. Moreover, the repossession agent repossessed my vehicle after I instructed him not to, which is a breach of the peace. 

As per the California Civil Code, the creditor or the repossession agent must provide the debtor with a notice of the repossession, and it must not breach the peace. In this case, the repossession agent used force and intimidation, which constitutes a breach of the peace. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Personal Credit Report contains three inquiries made by XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The stated purposes are for account review and promotion. All of these inquiries were made illegally, I have had a promotional block on my XXXX file since XXXX, a permanent security freeze in place since XXXX, and I have no account with XXXX XXXX XXXX XXXX. XXXX was notified and promptly deleted the inquiries from my file since none were permissible. 

Apparently this company willfully evaded or circumbvented the safety measures I put in place to prevent unauthorized release of my private information.
Product: Debt collection

I am reporting a line of credit opened fraudulently in my name, using my social security number, with a balance of {$6200.00}. The company I am reporting is : XXXX XXXX. This company reopened a closed account, that was recognized as identity theft, on XXXX/XXXX. 

The former company, Synchrony Bank, was notified of the identity theft dated on XX/XX/XXXX of the amount of {$6200.00}. The amount was cleared from my credit report and recognized as identity theft on XX/XX/XXXX. 

I am reporting XXXX XXXX for using fraudulent information to gain profit. This line of credit is not mine. I do not have this account. I do not owe {$6200.00} to this company. 
I am requesting that the company removes their name and amount owed from ALL 3 credit bureaus.
Product: Mortgage

My mortgage company, Mr. Cooper, modified my mortgage of {$230000.00} in XXXX. They added {$96000.00} to my as fees which they never gave details to me. The modification ranged from 2 % to nearly 5 % within 6 years. This raised the monthly payment from {$1800.00} to nearly {$2500.00}, putting me back to the financial struggles I had at the beginning. In XX/XX/XXXX, I took forbearance because I could not afford the payment. And I have exhausted that option. 

I have asked the mortgage company to remove the added fees plus accrued interest and they have refused. Please advise where to find assistance to restore my mortgage. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX- I demand you to comply. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the mailed letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Vehicle loan or lease

I got a XXXX XXXX XXXX that was XXXX at purchasing I trade my XXXX XXXX and owe XXXX on it they told me they would give me XXXX. For the trade and pay it off. I asked for gap and exented warrant the frist contract had all of that and after two weeks of waiting I went back in ever thing was different and I didnt get the extra insurance now a month later the car is broke leaving me owing XXXX and no car
Product: Checking or savings account

The account is CLOSED. Theres NO way of getting into it. My account was with XXXX. Through Zelle they borrowed and advancement and shut my account down after putting it into tue negative.
Product: Checking or savings account

A few months ago my coinbase XXXX card was deactivated, when I asked coinbase why it was deactivated they said they could not tell me why. Shortly after the deactivation I had a small refund post to the card, however it was small and did not worry me much about not getting it. However recently an additional {$150.00} refund posted to the card, this is a larger amount and so I tried to contact the live chat in the coinbase app to get my total card balance and how to withdraw it. The app told me to call the coinbase support number on the bank card. I first asked XXXX what would happen to the money and they said the bank should reverse the refund and it will go to my XXXX balance, however over a week later it was never reversed so I called the number on the coinbase card and they said they can't check my balance because it is closed and to contact the app live chat to withdraw it. But the app live chat just tells me to call the number and instantly ends the chat, not allowing me to speak to a human on the chat. I am at a loss, don't know how to get my money back or how to get in communication with anyone. I have over {$150.00} in the account, I believe the other refund amount was like {$25.00} so probably closer to {$200.00} in there
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMUNICATION WE HAVE HAD WITH/TO MOUNTAIN RUN SOLUTIONS , LLC I am trying to find out a date of first delinquency on my account that is with you, can you provide that to me? Original business was Vivint security. 

Thank you XXXX XXXX XXXX XXXX __________________________________ 1ST EMAIL RESPONSE FROM AGENCY ANSWERING ABOVE EMAIL : Install date : XX/XX/XXXX Cancel date : XX/XX/XXXX XXXX has recalled this account. 


Thanks, Mountain Run Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX _____________________________________________ OUR REPLY TO THIS EMAIL ABOVE : URGENT URGENT URGENT URGENT URGENT What does this mean? 

XXXX, XXXX XXXX ) ( XXXX ) Are you deleting this account with credit bureaus? Or making a XXXX balance? PLEASE ADVISE ASAP! 

XXXX XXXX XXXX XXXX XXXX URGENT URGENT URGENT URGENT XXXX, Are you deleting this account with credit bureaus? Or making a ZERO balance? Please let me know so I can decide what direction to take with our complaint. 

For recollection, you stated XXXX recalled our account with your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX EMAIL DATES AND TIMES I HAVE SENT ASKING FOR AN ANSWER XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666B a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX Balanced : {$540.00}
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

My name is XXXX XXXX. A CPA licensed in the state of Florida. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX # XXXX ) fraudulently used my information including my name, license number and letterhead to prepare a letter advocating for their client to get a loan. He knowingly falsified financial documents including Profit & loss statements in order to make the deal work. I became aware of this because XXXX lender reached out to me directly to determine whether I prepared such documents, to which I replied I did not. When I confronted XXXX XXXX on the phone about this, his reply was that there was {$75000.00} for him on the line. This type of person should not have the ability to be a mortgage loan originator as he is knowingly committing mortgage fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion- I called on or about XX/XX/XXXX after obtaining my credit report. I noticed several unauthorized inquiries on my report. They are as followed : XXXX ( XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX  XXXXand XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I asked them to remove them because I did n't authorize these companies to check my credit but they refused.
Product: Debt collection

I received in the mail on Monday, XX/XX/2018 a letter from the aformentioned company as an attempt to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and gave statement of alleged amount owed and payment options available. Their 30 day window to verify the validity of the debt was already closed before I even received the letter at my residence. This is not a debt I recognize. I also do not believe they are licensed to collect in the state of Connecticut. This account has also appeared on my credit report as a collection due to this lapse. These are evasive and aggressive tactics that I will not tolerate as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account 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: Mortgage

PennyMac VA loan. They were not taking out Real estate taxes so taxes paid late but only after I called them. I wanted to pay on my own so there not late. now they say I can not. This is a VA loan. i wish I had number to VA to let them know. Tax would have been {$1600.00} but because there incomitance {$1700.00}. I want to pay myself. 
Thanks
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. Particularly in the recent XXXX lawsuit about the issues with Zelle 's platform. Despite not being able to dispute scams they made me feel very unsafe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THE LISTED BE REMOVED TO CORRECT MY CREDIT FILE I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had sent a letter to equifax on XX/XX/2021 about inquiries and the have not replied to my letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Discover to advise them that I had not opened the account. I also let them know that my husband had not opened the account either. I told them that they had removed the account from his file. But on my file they closed the account, and now they are reporting it 60 days late. Even though they were informed that i did't open the account. The got angry and closed my sons college account with them because I filed the complaint. Now I'm requesting that they remove the account from the the credit reporting agencies. Due to I didn't open the account.
Product: Money transfer, virtual currency, or money service

An online wire transfer for {$1800.00} was sent from my Wells Fargo Everyday Checking account ending in XXXX on XX/XX/year> to an entity ( Hospital ) in XXXX Wells Fargo shows that this wire has been in a completed status as of XX/XX/year>, and the confirmation number is XXXX. 

On XX/XX/year>, claim XXXX was created as the money was not in the beneficiary account when Wells Fargo was made aware that the beneficiary did not receive the funds and I would like to retrieve those funds. 

Well Fargo closed my claim stating they tried to retrieve the money by contacting the beneficiary but were not successful in reaching out to them I havent still received any official record of the successful wire trace or the swift copy showing the hops and where the money went
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that l owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.
Product: Credit card

On XX/XX/year> I reached out to XXXX XXXX for this account for {$920.00} that was on my credit report. This account is not mine and I have been a victim of identity theft and I dont have no knowledge of this account. I didnt give no XXXX authorization to open this account
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Account Name : XXXX XXXX XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on this matter, and the company acted without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I purchased furniture from USA Living in XXXX on XX/XX/2015. The purchase price was about {$4300.00}. They also added on a warranty and something called debt cancellation program totaling over {$1500.00}. No one explained what the warranty was for or what the debt cancelation was or why I needed it. Neither of these charges were explained in the contract to me. I was XXXX when I signed this contract. I have recently found myself being overwhelmed with debt. They have been calling me 2 to 3 times a day hounding me and harassing me for my late payments. They threatened to contact my chain of command. I finally met with an XXXX Personal Financial Counselor and I asked them to stop contacting me by phone.
Product: Credit reporting or other personal consumer reports

I bought a home with an XXXX  XXXX. I made my first XXXX payments on time to the loan company, XXXX XXXX XXXX XXXX ) however, my loan servicing was sold to a another loan company, ( Citizens Bank ) but, I made the payment to the original servicing company.XXXX not Citizens. ( I believe there is a 60 day window after a loan servicing is sold and/or transferred to make my payment? ). the payment was made to the original loan servicer XXXX in under the 30 days, however ; - the new loan servicer-Citizens Bank-did not receive the payment from the original banking servicer until 45 days after the payment was due-so they rated me late on a mortgage payment on my credit report! 
I emailed Citizens the paper trail of the payment to XXXX to prove it was made in under the 30 days, but they still marked me late on my credit. ( I believe it took XXXX XXXX weeks to forward the payment to Citizens, and therefore, it appeared I was 30 days+ late, but I got the payment to XXXX  in 25 days or so? I did not realize the servicing had been transferred and I was on vacation when I made that payment in question to XXXX. Again, I sent the proof of payment coming out of my checking account to XXXX to Citizens and asked them to remove the late payment record on my credit-BUT they have not responded and I just confirmed that the late payment is still showing up on my credit!! 

This has now become an issue as I have been turned down for multiple credit offers due to the late payment on my Mtg. Can you please help me to get Citizens to correct this late payment on my credit and punish them for causing me so much trouble, that-I have to contact you about it?.
Product: Credit reporting or other personal consumer reports

I have sent letters through several months trying to receive a written contract or any information the company has on file for reporting the debt. Stated on my credit profile, with no response.