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

The car ( XXXX XXXX XXXX ) has been put in service 4 times in 5 months. My first issue was within a week of my purchase. The vehicle was leaking tons of water into the floorboard of the passenger side. This issue also cause the tracker for the vehicle to go bad and caused the vehicle to not start at random. The second time being serviced was for the rocker arm lifters on the right side of the motor. The 3rd time was one week or so after picking up the car the lifters on the left side of the motor started going bad and I had to return the car to service once again. Just a few days within picking up the car for the 3rd time my wife was driving the car and the car put its self in park while she was driving and the car immediately started leaking gas from the back side of the motor. This issue put the car out of service completely. This issue I feel like was caused by the technician who serviced the car. I feel that the repair was rushed and possibly a gas line linked to the motor was not completely fastened and came loose. I have been patient with the dealership and have been understanding until now. I have drawn the line. The car throwing its self in park due to this fuel line issue could have caused someone to be hurt if not killed. Luckily my wife had not made it to the highway before this happened. The car could have put its self in park while doing highway speed limits. The warranty department has no concern. XXXX XXXX, the head of warranty didn't care about the issue at all. After a few days and a second phone call he offered to have the car towed and looked at. 4 repairs in 5 months is unacceptable. I have made ALL of my payments on time. At this point I want to be able to walk away from the car without any strings attached and any negative hits on my credit.
Product: Credit card

I am a card holder with AVANT credit card. ( Web Bank ). IN GOOD STANDING. My bill is due the XXXX of every month : it is ALWAYS paid on time. ( Last payment posted XX/XX/XXXXXXXX. Today XX/XX/XXXXXXXX  I received an alert from my private bank that Avant attempted a debit of {$1200.00}. I immediately attempted to log into my Avant account. Unsuccessfully so I attempted to reset the password I checked my email for the link there was none however I did see an email from the day before stating that they updated my email as per my request. I did not make a request to update my email I do not have an alternative email. I then called my financial institution my private bank who issued a stop payment on the transaction and gave me the phone number documented to the transaction. When we called the XXXX XXXX Avant it was an adult dating XXXX line we immediately knew there was a problem. 
I took my card out of my wallet and called the phone number on the back and I informed supervisor XXXX XXXX that their corporation seemingly had been hacked not only did someone change my email in their system but they attempted to withdraw money from my bank account without my consent and I explained the phone number attached to that transaction was an adult chat XXXX line I even called the number and let the supervisor listen to the phone call it was not advant. I explained that now my personal banking account have been compromised that I have had this account since XXXX and someone had compromised the routing and account number through their corporation. All I got was an apology and someone would reach out to me in 14 days. Not only was I trying to correct my problem but I was trying to inform this banking institution that their corporation had been compromised and their customers information had been compromised I have had no resolution except I am having to pay {$35.00} to make a stop payment for this unauthorized transaction. I feel at this point in time the Federal department in charge of these such things should look into this as I am sure I am not the only customer who has been compromised and personal information leaked out.
Product: Debt collection

This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I request that you remove these fraudulent items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX 

These inquiries are unauthorized. I have attempted to resolve this with the credit reporting companies I was instructed to file an FTC report which I did and they still haven't corrected the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATAX is refusing to remove old information from my credit file such as old employment where I have not worked at that organization in six years. 

It was the XXXX XXXX  for the Aging XXXX XXXX XXXX XXXX, Md XXXX I have not worked there since 2016 and they are telling me to contact the organization which is XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety..
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. 

This is the final and last time I am notifying you of excluded transactions and history being illicitly reported to my consumer report. I have also reviewed my agreement with " XXXX XXXX XXXX' and I am enforcing my right to OPT- OUT as explained in FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

( b ) OPT-OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have notified you of the FCRA laws in a previous letter, but these laws have been recklessly ignored and violated. I will dispute XXXXXXXX XXXX  and any consumer reporting agency that violates these laws in court if they are violated again as said in the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
My history with XXXXXXXX XXXX must be removed from my consumer report immediately in Pursuant to the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). 

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. 


The laws states, the consumer report does not contain " Late payment or late payment history. Any more reporting of information based solely on transactions or expenses will need to be settled in court for remedy. After updating my Consumer Report please provide me with an updated report reflecting the removal of this account as it is illegal by the FCRA and once again I am enforcing my OPT-OUT. I am not requesting for Validation or Verification.

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 


Thank you for your time,
Product: Mortgage

My name is XXXX XXXX XXXX XXXX loan number is XXXX social security number is XXXX date of birth XXXX. My complaint is that community loan servicing LLC took me off a covid forbearance I've been making my payments little by little I'm a little behind. But I suppose to be on the extended forbearance .that protects me for going default I got a phone call XX/XX/2021 saying I'm past due. When I call them they claim that I'm still on forbearance. But they never updated the system. And that can cause a serious problem .also community loan servicing Insurance department sent me a letter asking me for proof of hazard flood insurance for the out side of the condo I told them that the condo association is responsible for that and the condo policy is under XXXX XXXX  all they have to do is call them to get policy information regarding that issue. And they unlawfully sent me a letter saying that they were going to raise my mortgage payment next month. Regarding the other matter the forbearance. Also they keep charging me late fees and services fees for little things .I do have money in suspense and paying little by little around a XXXX every two weeks and sometimes XXXX. I told them to keep me on forbearance until I catch up on my payments and I was affected by XXXX
Product: Debt collection

There are 2 charges on my credit report from a collection agency " Trident Asset Management " They claim i own 2 payments to XXXX. 1 from XX/XX/2015 the amount of {$34.00} the second from XX/XX/2015 with amount of {$140.00} I never had a XXXX account on my name. I disputed both claims and both were denied. I called the agency to find out the number is a fax. I read the reviews and they all experiencing the same problem i'm having
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I made 2 charges on my Sephora Ive been paying for it for two years. The Victoria secrets card was almost paid off several times continue to add fees to both accounts.
Product: Credit reporting

I would like to notify the CFPB that on XXXX XXXX, 2015 I received a notification from my Equifax and XXXX XXXX XXXX monitoring report that XXXX XXXX XXXX # XXXX was deleted and removed permanently from my credit report. I have just seen it reappear on my credit report after being gone for 4 months. Whatever has occurred is not legal and not professional. This account was insanely inaccurate and outdated past the statue of limitation. Its history was incorrect and so where the terms and balances and it WAS NEVER properly veered and subsequently deleted in XXXX. The fact that it has reappeared is affecting me greatly, I am fixing the inaccuracies and would appreciate the help of the CFPB to force Equifax to act lawfully and not try to ruin my life. I am a smart consumer, i am a student and becoming a XXXX. I have no time for this and would like to start my life now, please!!!!!!!!!
Product: Money transfer, virtual currency, or money service

I have received multiple robo calls from  XXXX  Each time I am left a message or listen to a recording from   XXXX   XXXX   of Student Loan Help Center saying he has my application on file, and needs for me to call back so they can finish processing it and I can consolodate, have my student loans refinanced, or forgiven. Several weeks ago I called back and let them know I do n't have any student loans. I did not hear from them again until today ( several weeks later ) .I called back and left a message saying I 'd like to know how they can help me. I was immediately called by " an assistant '' who asked me if my loans were current. When I said I did not have any, nor had I ever had any student loans, she told me they must have my number by accident and abruptly hung up.
The numbers I have received calls from or called are :   XXXX     XXXX   XXXX  , CA a  XXXX  phone number   XXXX    XXXX , CA   XXXX     XXXX   XXXX  , CA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Experian Information Solutions , Inc.\n XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that violates the Fair Credit Reporting Act ( FCRA ). Despite previous attempts to address these errors, the following accounts remain inaccurately reported, which infringes upon my federally protected consumer rights under 15 U.S.C. 1681 : * XXXX XXXX  : XXXX ( Delete ) ** * XXXX XXXX : XXXX ( Delete ) ** These inaccuracies are causing significant harm to my creditworthiness and financial standing. According to the FCRA, you are required to : 1. Conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

2. Forward all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ).

3. Delete or correct any information found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

4. Provide me with clear results of the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ).

The CFPBs recent lawsuit against Experian highlights numerous deficiencies in your dispute handling processes, including mischaracterizing disputes, failing to forward relevant documentation to furnishers, and providing ambiguous reinvestigation results. These issues mirror my own experiences.

I demand that you promptly : 1. Conduct a thorough reinvestigation of the disputed accounts listed above.

2. Correct or delete the inaccurate information within 30 days as mandated by law.

3. Provide a detailed response outlining the results of your reinvestigation, specifying what changes, if any, were made.

Failure to address these issues will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau and considering legal action.

I expect a written confirmation of receipt of this letter within five business days, as well as a resolution to this dispute within the legally required timeframe. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require further documentation or clarification. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Please see attachments. 
This alleged account was charged off in XXXX, and is on my consumer credit report without my consent pursuant to the FCRA and FDCPA. In XX/XX/XXXX I received this letter from this law firm stating that I owe, that's a violation in itself. As I continued reading this letter it was abusive, threatening in nature and deceptive in all manner. Along with stating this communication is from a debt collector. I have sent to them the exact same Debt Validation Letter/CEASE AND DESIST ; Affidavit of Truth ; EXHIBIT A ; and INVOICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my account From Onemain Financial as of XX/XX/22 I have not applied for any type of credit. I have contacted them and when I get through to them they say the will connect me to someone that will help when the phone call is transferred it hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting incorrect payment info. Account is paid in full with no past dues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a unauthorized inquiry was made from XXXX XXXX I ask that it be removed. on XXXX XXXX a unauthorized inquiry was made in my credit profile I asked that it be removed in XX/XX/XXXX a unauthorized inquiry from XXXX was made to my credit profile I ask that it be removed On XXXX XXXX a negative closed account was reported to my credit profile this account is fraudulent and I ask that it be removed 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the
Product: Credit reporting, credit repair services, or other personal consumer reports

credit Karma will not remove a false name from my ssn, it has been used since I was XXXX, now that I'm XXXX and married and I want to buy a house I found this out. I finally got the false information ( collection debt ) removed, but my CK report calls me " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach at the end of XXXX, XXXX and only declared so publicly today, XXXX XXXX, XXXX. They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

They took their time to deliver the news ( which could even further harm innocent people who were potentially exposed during that time period ) while the executives unloaded their stocks. 

This is foul beyond all means and must be rectified. There are 143 million people at risk now due to their incompetence. 

Retribution is not only just, but demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my report which is fraudulent. I filled a dispute with transunion and nothing was done. I have already had this fraudulent collection removed from my XXXX and XXXX  credit report they both agreed it was fraudulent. I talked with XX/XX/XXXXwho is supposedly the original creditor and they have no record of me ever having an account so there is no way i could have a collection.
Product: Money transfer, virtual currency, or money service

One of my friend posted on XXXX that she made XXXX from XXXX through XXXX XXXX through XXXX  mining investment. Since I knew her personally I asked her about it. She said it really worked. So I contacted XXXX, I made XXXX XXXX transferrs. One for invested XXXX and then XXXX. XXXX XXXX for investment. After the he created a profile for me on XXXX Showed me my investment of XXXX and withdrawal amount ready XXXX. He then asked me for withdrawal fee of XXXX which I was very hesitant about. So I asked my friend ( her account is hacked I still dont know this ). She said yes do as he says. So I did that. Transferred him {$100.00} through XXXX via XXXX XXXX  and then XXXX transfer of XXXX. Once I completed this, the next we asked for his commission which we agreed to XXXX ( 10 % of profit ). So I XXXX him his commission. Then he asked for verification for XXXX. He said to talk to my friend and she will help me. Somehow he hacked into my XXXX account and did not you allow me to access back in. He changed the email, deleted phone number and activated two factor authorization completely blocking my access. Thats when I texted my friend and asked her what happened to XXXX. She said she got hacked a few weeks ago. Thats when I learned I got scammed. I spoke to my bank who did not guarantee the scam money back. 

The persons XXXX name is : XXXX  The website is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, resulting in identity theft. Several unauthorized accounts and inquiries have appeared on my credit report without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be blocked and permanently removed from my credit file. 
XXXX Accounts : XXXX XXXXXXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$3400.00} XXXX XXXX XXXX - Account No. XXXX - Opened : XX/XX/XXXX - Balance : {$140.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$260.00} Fraudulent Inquiries : XXXX CARD - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX