23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I took my car into XXXX for repairs and right when I got my estimate for them, they of course sent a salesman over to me saying everything that salesmen do to pressure someone into buying a car. They asked me some initial questions and gave me a pre approval. All I would have to do it give them my car. I said that I could not verify my income ( as I do not have any above {$490.00} I receive for my VA XXXX ) and was told that as long as it is under a certain amount ( Cant ' remember the exact amount at this time ) that they would n't have to verify it. So I put down a number and they went through with the process.They used my car at the time as a down payment. Here we are a few months later and my almost XXXX credit score is down in the XXXX now as I have not been able to make a single payment. ( as I still do not have an income ) It was repossessed at one time. My mom helped me get it back, and I now owe her money as well. I am in collections again on it and am not sure what to do. I ca n't afford to keep it. I could never afford to buy it in the first place. And now I ca n't even afford to sell it because it is n't worth what is owed. I feel like I was pressured into buying this. 
Not to mention the disaster that happened during the repo process. As soon as it was repoed, I called my mom, who immediately wired money. The Bank, US bank, claimed that they did not have the money. After XXXX days of me calling to check if they have received the funds I finally asked XXXX XXXX XXXX, who we transferred the money through, to attempt to pull it back. We got a response from XXXX XXXX that the beneficiary ( US Bank ) would not release it. So they had the money, would n't give it back, and were saying that they did n't have it to begin with. So, the car gets sent to the auction to be sold, which would leave me on the hook for the XXXX difference in auction price. At the last minute, US bank says they do have the money and does everything they can to get it back from the auction. ( 2more weeks go by with them trying to get in touch and get it back ). According to the notice to sell, they were to sell it on a certain date if they did not receive payment. We sent that payment long before that date and they still sent it to auction. 
Now, I am stuck. Ca n't pay for this loan that was made without any verification and that I was pressured into and dealing with an incompetent bank who ca n't keep their funds straight. There has to be help somewhere. Also, I do not have any of the original loan docs. They were in the glovebox and all of my personal belongings were removed from the car when it was sent to auction. I have not gotten anything back that they removed. ( nor have they made any attempt to get them back )
Product: Debt collection

XXXX is attempting to collect a debt. They call me during work hours and I have told them XXXX orally that I am in a HIPAA controlled environment and I am not allowed to take calls not pertaining to work. I have on three occasions told them a proper time to contact me is during my lunch at XXXX. They have never attempted to contact me during that time and continue to call outside of that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes via mail to Experian, XXXX  and XXXX  and no one is responding to my disputes and its been at least 3 months ... By Law these credit bureaus are required to research and respond to all dispute requests and they are not doing their jobs. I want these below items disputed and results sent to me within 15 days. 

Dept of EducationXXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust XXXX XXXX- XXXX Never paid late- Please adjust XXXX XXXX XXXX Never paid late- Please adjust XXXX XXXX XXXX XXXXXXXX XXXX Never paid late-Please adjust XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXX XXXX  XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Student loan

My loans were with XXXX XXXX and they were transferred to Navient. I belieive that some payment info is inaccurate they went up on my APR. with out my consent. Unfair and deceptive collection practices. Sending me emails stating I owe XXXX when my loan is on a income based repayment plan and there is no balance due yet. they also cheated me on Interest that accrued and the balloon interest that went on loan in the short period of time since Navient taken over the loans
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

A hard inquiry was pulled on my credit report on XX/XX/year> without knowledge of me having been in contact with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an inquiry on my credit profile from Ally Financial. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one. 
Remove this erroneous inquiry from the credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

I have tried to dispute the use and balance of my XXXX XXXX for almost a year. XXXX is not conducting an accurate validation and still holding me to the debt and reporting erroneous lates on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau XXXX, XXXX , & Transunion has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, XXXX, & Transunion has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX XXXX, & Transunion failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.
Product: Credit reporting or other personal consumer reports

I sent the follow letter to XXXX XXXXXXXX XXXX XXXXXX/XX/year> XX/XX/year> EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to Experian, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Balance : {$4900.00} This is a formal complaint against XXXX, Experian, and XXXX located in XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXXXXXX XXXX  XXXX PA XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX 

I am not questioning whether I owe this debt or not, I am challenging the consistencies of the reporting of this account to the credit bureaus. I am aware that under FCRA, the credit reporting agencies must report any account 100 % accurate and complete. I checked my credit report again today and I do not see any changes or corrections at all that the credit bureaus are supposed to be doing in order ensure the maximum compliance and accuracy of what they are reporting. 

For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this for several months now, XXXX, Experian, and XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report.
Product: Debt collection

Client Services INC. A company that sent me a letter in the mail saying that I owe them debt in the amount of {$1200.00}. I do not know this company nor do i have a contract with this company about said debt. I sent them a letter asking for validation and they did not send me validation. Nor are they licensed in my State to collect said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection with Transunion and XXXX  regarding XXXX XXXX XXXX XXXX XXXX several times. I even sent them documents directly from XXXX and they still updated the info. Every time I ask how they are able to update it, they just say the company stated that the debt is valid. The problem is I'm not disputing whether or not the debt is valid, I'm stating that they failed to send the Rights to Cure before repo and the Notice of Sale post repo which was a violation of my consumer rights. XXXX admitted to sending out notices to the wrong address and sent a letter per my request proving it.
Product: Student loan

XXXX XXXX refuses to accept my certification of employment to calculate the correct amount of payments I have made towards the PSLF program. I have given them everything they ask for and each time they send me a letter with a list of new " Missing Information. '' I have have sent in the form 4 times. The last time I even attached a letter with it telling them they can contact my employer to verify but each time they say for me to have my employer contact them.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries negatively affecting my credit score. My identity was stolen and the guilty person keeps trying to open cards in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from a collection agency notifying me that they had closed my account and requested that the credit reporting agencies remove the collection agency 's entry from my credit reports. 
Soon after that, my Equifax credit score plummeted 40 points in one day and up 55 points 2 weeks later, and down 54 last week for no traceable reason, with no update on my credit of the deleted collection agency and their entry.

At the same time, my XXXX credit went up 30 points and later up again another ten points, with a message to me that the collection agency record & entry had been deleted.

I disputed Equifax 's actions on their dispute form and received an email response 2 days later with their 'resolution ' stating that Equifax 's information and actions on my credit report were accurate.
Product: Vehicle loan or lease

I tried to open up a loan with Westlake XX/XX/2023 and they go and approve me help me leave off the lot with the car and two days later I have to bring the car back to the dealership because he said my Social Security number was being used and it's fraudulent. I submitted my Social Security card and birth certificate with my ID and they still end up saying that it's fraudulent so I use in my name because I got this information from XXXX. XXXX and I called to speak to a supervisor left her for voice messages. She called me back one time I missed a call and I tried to call her back. She put me on do not disturb to where I couldn't resolve my issue and now on the account or if I try to apply for any type of loan with them, they have it down as I'm doing fraud when I try to submit my Social Security card and my birth certificate and my ID and nobody still has contact me and I feel that is bad customer service so now any dealership I go to any time I want to take out a loan on a house or anything they have me down as fraud when I gave them. Proof of identification called him seven times. can you remove this off the account because it's not supposed to be there I can send you a document showing proof this is who I am and they still couldn't fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$10000.00} Closed Overview You have 100 % left to pay on this collection. 
Balance {$10000.00} Highest Balance {$10000.00} Opened Account status Type Responsibility XXXX. XXXX, XXXX ( XXXX yr ) Closed Derogatory Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXXXXXX XXXX  Closed No Into
Product: Mortgage

I received a letter from Select Portfolio Servicing, since XX/XX/XXXX, saying that I supposed to have an amount of {$9900.00} from my escrow. But, I tried more than XXXX calls and until now, not happened. They told me that they sent the last check on XX/XX/XXXX, number XXXX, but I didnt receive that check yet. I asked about the tracking number, but they dont have it. How can I receive it, if the only thing that they say is : " just wait more days ''? Im waiting more than 100 days!!! 
Nobody knows anything about what happened, when I call. I tried to talk to supervisior too, and she said to me : " Call on Tuesday ( XX/XX/XXXX ), and someone will give the tracking number ''. So, I called and again the answer was the same : " we dont have any tracking number, and just wait a couple more days for your check ''. 
Actually, I think that, if there isnt the tracking number, they never sent a check, because there inst any proof about that. I need my check, because its MY money!!!!
Product: Credit card or prepaid card

This was for a credit card with XXXX XXXX XXXX, the card was never received and after numerous calls to have the account closed and a refund issued they have not done so. Calls were made to the merchant on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - XXXX and XXXX. Application approval # : XXXX. 

Application fee for a credit card {$95.00}, and expedited shipping for {$35.00}. 

Call center employees indicated they would send my request to the back office and it would be rushed. 

Filed a dispute with my bank XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Debt collection

Portfolio Recovery Associates ( PRA ) was reporting debt on my credit report as a factoring company and this is misrepresentation. It is my understanding that a factoring company specializes in financing invoices from businesses that have cash flow problems due to slow-paying customers. I have already tried resolving this issue with PRA through the XXXX XXXX XXXX to no avail. I have provided the section of my credit report that shows where the company misrepresented themselves. You can clearly see that the company represented themselves as a factoring company within the type of loan section in the attached document provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Just received a notification about a collection from XXXX XXXX on XXXX in the amount of {$160.00}. I have never received anything from this company and don't know who they are. I don't know what the debt is for and have never done any business with this company.
Product: Credit reporting or other personal consumer reports

I have 2 accounts on my credit report from XXXX XXXX. One I paid off over 7 years ago and another that I paid through their collections company XXXX XXXX XXXX. My debit is clear and this is against the law to report debit that isnt there. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

Please Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im begging you to remove these items. Ive already paid my dues
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

CHASE AUTO RECOVERY IS TRYING TO REPO CAR LISTED IN BANKRUPTCY I RETAINED ATTORNEY XX/XX/2020. SEE ATTACHED. BANKRUPTCY PENDING
Product: Mortgage

I applied for an FHA loan with Supreme Lending ( XXXX XXXX XXXX XXXX Supreme Lending XXXX XXXX XXXX, XXXX XXXX, XXXX, TX - NMLS # XXXX ). At the end of XXXX XX/XX/2018, the pending offer on the home was terminated and the loan officer withdrew the loan on that basis. After the loan officer switches companies, I received a notice from Supreme Lending that my credit application was denied rather than withdrew. I want to be sure this false denial of the application doesn't show up negatively on my credit report.
Product: Vehicle loan or lease

regional acceptance been pay in full auto loan not show pay in full need be correct soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account was paid off by Gap insurance but company lost the necessary document
Product: Credit reporting or other personal consumer reports

DONT RECOGNIZE INQUIRY ON REPORT : XXXX ) XXXXXXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I been trying to receive our check from our insurance to rebuild our house since XXXX in the amount of {$77000.00} thats we sent to our mortgage company Lakeview loan care back in XXXX we were going to buy a new home but couldnt because Lakeview was unwilling to to work with the company we were buying from they wanted all this paper work that company did not have because they are a vendor not a builder and since Im guess Lakeview dont deal with mobile homes ( dont know why they bought out our mortgage if they didnt ) we were unable to so we decided to fix up our home we turned in all paper work that this company as asked for and every time they tell us its 5 days then 10 days then 15 days then they dont have a time line on whats going on I made a complaint before and a lady name XXXX XXXX was handling on which she called one time and wrote a complaint XXXX  letter on whats going on with our check as she lied and said we didnt turn in paper work that was not signed I called and the other reps said it was signed and she said I needed to show the over amount which no one else has that in their notes that says I need to turn in any other paper work yet she DONT return phone calls or return emails so we dont know whats going on she will call one time to make it seem like they are attempting to help us just to close out our complaint we have done everything this company has asked for and still no money to rebuild our house and no one knows what is going on with the return of our check which at this point I feel like they just dont wan na give it to us which I dont know why we paid for our insurance its OUR MONEY