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

Previously filed matter with XXXX. 

XXXX sold faulty product to dealership and ultimately fell on consumer. 

Matter was shared with lender, yet they disregarded matter entirely. 

Arrangement that lender, consumer and dealership made was for working vehicle with limited warranty, yet vehicle was sold defective unknown to lender, consumer and dealership. 

Mater was brought before lender through XXXX vs XXXX XXXX XXXX. 

Extended Warranty was offered, however consumer elected to have vehicle repurchased through recall via XXXX vs XXXX and XXXX did not want to recall vehicle. 

XXXX negligence, as well as lender disregard placed undue burden on consumer. 

Consumer reached out to lender to make arrangements while XXXX recalled vehicle, yet they declined. XXXX further had no remedies for consumers effected, except to provide them an extended warranty on vehicle. 

Vehicle shows noted signs of defect while driving. 

Please see XXXX Warranty Act as XXXX sold faulty vehicle to dealerships and Missouri does not cover under lemon law used vehicles, consumer stuck with damage of credit, extra repairs and registration costs even though vehicle was supposed to be recalled ( XXXX offered to repurchase vehicle, provide cash payment or pay for damages ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX XXXX account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.
Product: Credit reporting or other personal consumer reports

I was going thru a hardship and capital one took my payment i cleared my negative balance and they were suppose to activate my account again when i got a new card a week went by never received a card and when i called Capital One they said my account was closed as a charge off i burst out in tears i remember i was in the grocery store i kept getting transferred and some one in upper management would call me back. I never received a call back all i kept getting was treating messages from a debt collector and they were calling my job they wanted to settle they been testing me XXXX daily on my phone they reported it and it keeps getting reported then i was told please contact XXXX XXXX XXXX XXXX PLEASE HAVE THEM DELETE IT OFF MY CREDIT REPORT XXXX
Product: Debt collection

I have new and update information pertaining to this account. According to 15 usc code 1666b there are billing error JPMCB is reporting late payments. Also, if a finance charge where included it shouldn't be no late payments 15 usc 1605 ( a ) finance charge because that's the sum of all charges so you can't penalize me for something paid in full. 15 usc code 1681e ( b ) which is maximum possible accuracy. which JPMCM has fail because of inaccurate reporting late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}.
Product: Mortgage

I had an appraisal completed on my residential home for a refinance XX/XX/2022. I decided once I received the appraisal that my financial goals would be better met with a different type of loan through a different lender. The new lender was okay with using the appraisal since it had been by a certified appraiser on their appraisal company 's list. The new lender asked me to obtain a transfer letter from Pennymac. I called Pennymac and was told that the appraisal could not be transferred because it was for a conventional loan. I was told that if it would have been for a VA or FHA loan, then it could be transferred. I e-mailed the loan officer the next day to ask if I could see PennyMac 's formal policy as it related to XXXX XXXX guidelines as to why it could not be transferred. I had researched XXXX XXXX guidelines which say appraisals can be transferred if lender it is being transferred to conforms to Appraisr Independence Rules. I have never had a response to the e-mail. I now have to pay full price for a completely new appraisal which is financially hard for me and will also now have to wait weeks to get a new one done which will also cause more hardship for me. 

Pennymac is my current lender, where I have an interest rate of 2.5 % on my first mortgage. I believe they were not happy I did not complete the refinance into a higher interest rate of 4.25 % and this may be why they would not transfer the appraisal. Without being able to see the policy, I have no way of knowing whether what I was told is true or if Pennymac just didn't want to give me the transfer because I didn't follow through with the loan.
Product: Debt collection

I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately. Ive asked them for documentation i.e., documents with my signature, and validation that they can collect any debt based on this no response. Ive also disputed this with the bureaus and they reported that the debt has been verified but thats not true! Please help
Product: Debt collection

I was a cosigner on a lease for an international student for an apartment. He paid his rent diligently until he had a medical issue and had to be repatriated back to his home country. The school contacted the apartment management at the time, and his lease was terminated without fault. I found this debt on my credit report two years after the above events and have been trying to get it removed. I never received a bill or any attempt to collect the supposed debt. When I contacted the apartment complex management, they informed me that the property was sold to new management and they do not have any records of the previous arrangements I am describing.
Product: Credit reporting, credit repair services, or other personal consumer reports

They did not change the incorrect information. My loan from XXXX was changed to XXXX. I was not informed of status during covid-19. it showed 120 days past due. The loan was consolidated and paid off and transferred to a new servicer. The late payments were not removed even though they are not my servicer. I am current on XXXX but it does not reflect on my credit report
Product: Debt collection

I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by Portfolio Recovery contacting me, calling me and my family members and sending me letters regarding {$2400.00} that they think I owe them. I do not owe anyone anything, I have node how or where they relied this sum since all of my cards have been settled with the original companies. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the state of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts and continue to make payments why am i being double billed buy this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. They did not even update the acorn too show I was disputing it. Please investigate this and have them remove their erroneous account from my credit profile. this is getting alarming!
Product: Bank account or service

I am a trustee for my friend 's son. He decided to move XXXX miles away. I went to Wells Fargo bank ( XXXX XXXX, NJ branch ) where I deposited {$500.00} cash and a check for {$1500.00} into his account on XXXX/XXXX/2017. The receipt documented the cash would be available on the same day and the {$1500.00} from the check would be available on XXXX/XXXX/2017. About 3 hours later he got to the airport and his debit card was declined. He called Wells Fargo and they claimed there was a computer outage across the XXXX XXXX and they were working on it. About an hour later the {$500.00} became available. He called the bank after the XXXX/XXXX/2017 date on XXXX different days because the {$1500.00} did not clear. He was told the Trust Account was holding up the approval of the funds. I contacted the Trust account on XXXX/XXXX/2017 and was told the {$1500.00} was cleared on XXXX/XXXX/2017. I then called the main Wells Fargo number on XXXX/XXXX/2017 and asked why the deposit was being held up. I was told a second hold was placed on the check on XXXX/XXXX/2017 and it would not be released until XXXX/XXXX/2017. They would not provide an honest answer as to why the funds were held up AFTER already being released by the Trust account. Meanwhile my friend 's son had no money for food, to secure housing, for hotels etc. I asked to speak with a manager or someone who could assist me and they refused and said no one can help me to release the funds sooner and it would have to wait until XXXX/XXXX/2017 when the hold would expire.
Product: Debt collection

I am asking for this debt to be removed for a number of reasons. I was never given the right to dispute the validity of this debt. Even though I wasn't given that right to dispute the debt, I have paid the debt in full, the creditor promised a XXXX balance letter which i have not received and the debt is still showing recent and repeated derogatory reporting 's to date. As a result, I would like this matter to be investigated and removed from all credit reporting bureaus immediately.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681i the recent data breach of social security. And there are 3 inquiries on there that I didn't receive any loans from the inquiries I need them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not dispute the account reported on my credit report from XXXX XXXX  ( credit card account ). ( I previously disputed the information as incorrectly showing the account as closed on the three credit reporting agencies. ) After I disputed the information originally, the reporting agencies updated the entry to show that the account is open. However, the report still includes a comment that I dispute the information as of XX/XX/2021. Because the information is now correct and I do not dispute the information, I reached out to all reporting agencies and XXXX XXXX  asking that the comment that I dispute the account information be removed. 

XXXX XXXX  provided a non-responsive answer when I requested they report that I do not dispute the account information. Experian said there is not enough information so they are asking the creditor for information. Responses from XXXX  and XXXX  is pending. Based on XXXX 's inadequate response and the likely response of the reporting agency to ask XXXX for information, a complaint to the CFPB seems necessary to resolve this issue.
Product: Debt collection

We hired a company called " XXXX XXXX XXXX XXXX '' to get us access to our lighting control system after purchasing an apartment. The sellers of the apartment were difficult to reach so we believed this would be a faster solution. The company came to the apartment and changed the system so that it was only accessible to them and then billed us despite performing the opposite service they were hired to do. 
This company then sent the debt to " Schwartz Schwartz and Associates '' who have harassed both myself and my wife by phone nonstop since, threatening our credit, insisting that this is a legitimate debt and refusing to help promote an amicable solution with the original service provider. 
This is a small debt and would be a very easy thing to resolve if the either of these companies cared to seek a solution. Our lighting controller is now tied to an account that only " XXXX XXXX XXXX XXXX '' has access to and is being held hostage. Both of these companies should be avoided by consumers.
Product: Debt collection

I am filing a Discrimination Complaint with the U.S Department of Education, Inspector Generals Office. XXXX is forcing me to pay a XXXX XXXX. I have my XXXX XXXX records from XXXX XXXX XXXX, XXXX of XXXX. There is no record of any Student Loans, no record of any Disbursements made to me to substantiate I received any funds from this XXXX XXXX. I am not disputing the origination of this XXXX XXXX. XXXX can ONLY prove this Student Loan originated XX/XX/year>- but they can not PROVE any funds were disbursed or allocated to me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the amount of disbursements made to me, in my name, any canceled check, any deposit slip to my bank account, any evidence that I received any FUNDS from XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no proof I received any money from this XXXX XXXX. Also, I am being held accountable to pay back the FULL AMOUNT of {$4000.00}, in which, I did not even attend class for a FULL Summer semester. XXXX XXXX SHUT DOWN the City of XXXX XXXX in the Summer XX/XX/year>. I was unable to attend the Full Summer session. XXXX XXXX XXXX does NOT disburse the FULL Total Amount of Student Loans all at XXXX time. It is disbursed as needed PER-Semester/Class credit hours carried. XXXX is violating my rights and is discriminating against me. I will defend my Civil and Human rights until JUSTICE is served.
Product: Vehicle loan or lease

My information was sold to westlake portfolio management by us auto sales which is now closed I request a contract release. Discrimination
Product: Debt collection

I am complaining about some actions that Credit Colleciton Services has committed against my rights as a consumer. 

Account information is the following : CREDIT COLLECTION SERVICES XXXX, original creditor : XXXX, Original Balance {$120.00}. 

This company is reporting inconsistences on credit reports, violations for misreporting and reporting wrong open date. 

I am demanding this item to be removed from my report, and a deletion letter for my records, or I wont hesitate taking this case to the next step. I am already getting legal advise on this case. The legal advise spent is one of many damages that I have suffered due to this issue. 

Please send the attachment to Credit Collect Services. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received notification 2 days ago that my credit score with TransUnion changed. I was HORRIFIED to learn through several other websites ( XXXX XXXX, etc ) that my TransUnion credit score dropped 85 points for just one reason. My utilization on my XXXX XXXX was at {$460.00} out of a {$500.00} credit line. My mortgage is always paid on time. My auto loan is always paid on time. I have a friend who has NO good trade lines and his credit score is higher! WHY? My XXXX score was also very low despite having paid most of my bills on time and was wondering why my XXXX score was so much higher than these 2 credit bureaus even though ironically my personal information was exposed through these very two credit companies that are currently discriminating against me! I am XXXX as is my spouse who is also a XXXX and we struggle to pay our bills and was just about to do a cash out refinance VA loan so we could consolidate bills but more importantly, modify our home due to a XXXX necessity and add a bathroom downstairs for my spouse who has trouble on the stairs. So now, thanks to TransUnion and XXXX, we are being declined. I contacted TransUnion ( who outsources calls ) and was on hold for 45 minutes yesterday and when I finally got through was told there was nothing they could do because they could not access my report due to their " system being down ''. I have been locked out of the TransUnion website and have to rely on 3rd party credit companies to get any information. And despite receiving an email that my password was reset I still can not access their site because I am once again locked out. I am disgusted angry and in disbelief that any scoring system would do that to someone and to make matters worse, my credit was even improved due to incorrect information being deleted since then but no changes have been made to my score.I intend on searching the internet to see if there is a class action lawsuit against these 2 credit reporting companies and join one or start one myself. Thank you for allowing me the opportunity to address this unfair and almost criminal company doing everything they can to ruin me and my family!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inaccurate addresses which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any inaccurate addresses which is found to be opened due to identity theft. The dispute inaccurate addresses do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these inaccurate addresses. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX.
Product: Student loan

I was submitted a claim for a request for school misconduct form submitted to the CFPB on XX/XX/XXXX I received an application on XX/XX/XXXX and sent it back to Navient and they received it XX/XX/XXXX. 

I received a blanket denial XX/XX/XXXX that did not spell out why i was denied. and they said " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I submitted an appeal to the CFPB to Navient on XX/XX/XXXX for more information on why i was denied. 

Navient responded with a denial to CFPD on XX/XX/XXXX and received another blanketed statement including " we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. " and " that analysis is confidential and proprietary to Navient '' I would like another opportunity to appeal with new paperwork i have found
Product: Credit reporting or other personal consumer reports

I am filing a complaint to request validation of the debt associated with the account numbers listed on my Experian account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these collection account and would like to verify its legitimacy. 

Please provide me with the details of the debt, including the original creditor 's name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practices Act, I have the right to request this information.
Product: Debt collection

A representative of Moss Law Firm, P.C., XXXX XXXX XXXX contacted me on XX/XX/year> @ XXXXXXXX XXXX. asking me to sign over power of Attorney to Moss Law Firm and I was given 24-48 hours in which to do so. The email address he provided was XXXX and the fax # was ( XXXX ) XXXX. The number he provided me to call XXXX XXXX back on once completed is as follows ; ( XXXX ) XXXX. This is pertaining to a lawsuit by Moss Law Firm for a credit card dispute which has not been proven to be mine. I never signed over power of Attorney to Moss Law Firm. Moss Law Firm is acting as the debt collector for XXXX XXXX XXXX. 

This is not legal for a debt collector to request a consummer to sign over power of Attorney. Their collections practices are gegregious, deceptive, and abusive practice of power.
Product: Credit card or prepaid card

I visited the Amex credit card page looking to upgrade my card to something better that I could receive XXXX XXXX points faster than I was. My old card had no annual fee where as the Ascend card I was interested in was $ XXXX/year. They were offering XXXX points for new members but in the fine print of the offer it stated that as a existing member I would not receive that much but to call Amex customer service and see what I could get. During the verbal conversation with the Amex rep she stated that if I upgraded I would receive XXXX   points instead after I spent {$3000.00}. I thought it was a good enough deal between the points and other XXXX XXXX upgrades. After a few months no points were credited and I started a complaint with Amex. I spoke to a few different reps over many phone calls when I heard nothing from them. One rep named XXXX said she could she on her screen where the mistake was and as soon as her supervisor returned she would call my cell phone and confirm my points. Of course this never happened and Amex denied my claim. I have been a loyal Amex fan for thirteen years and now that I have been the victim of a " bait and switch '' sales tactic by them I question if I will remain a customer. I have filed a complaint with the XXXX  which I'm awaiting to hear from. All I want is the XXXX  points I was promised and that's it. I hope you have better luck dealing with Amex than I did and for a company who raves about their customer service I'm totally not impressed. Thank you.