23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous close complaints against XXXXXXXX XXXX and Tricolor Auto Group are reporting fraud information with all Credit bureaus as revolving accounts as a collection of debt when both accounts were charged off by Company 's Fraud Department themselves. XXXX has sent me statements that I have not requested in an attempt to collect a debt that does not exist. Tricolor Auto Group is reporting fraudenlent information as a repossession not as a voluntary surrender to keep me from obtaining a another new vehicle instead of the used one they sold me with a battery that exploded within 2 months and was keft sitying in the apartment complex for 6 months before it would send its towing company fir the vehicle in order that it would appear to be a repo but was not. 

XXXX, XXXX XXXX XXXX, XXXX, Georgia ( XXXX XXXX XXXX ) is now disputing both with Confirmation number XXXX
Product: Mortgage

The company did address the fact that I have a loan modification in place that they have not been horning, they promised to send me copies or proof of my payments being return with a detailed accounting of the payments not a payment history which shows I have made payments in for XX/XX/XXXXand XX/XX/XXXX yet I can not report any mortgage interest for tax year of XX/XX/XXXX as it states I have not made payments yet the history clearly shows I have. However, I do not have the return payments that are in question. I would like to know why we have so much of conflict with my payment history when I am not 670 days past due as the payment history shows it. My payments per month per the loan medication issued in XX/XX/XXXX by XXXX  is for {$1300.00} I have been making payments for XXXX. In summary I am very disappointed in the level of service and communication regarding my account with Ditech, I have called numerous times and have not gotten a call back, I have sent in the loan mod paperwork and have been approved for a loan mod that your company will not honor and did not have record of until I sent it but yet do not acknowledge it..

In Summary, This is a wrongful foreclosure process and proceedings, and I am disputing being 680 plus days in default.. It is not my fault the company DITECH did not know I have a loan mod that was approved by XXXX/Green tree. I am also disputing the said re instatement balance owed based on the fact that you have not proven where my payments are that have been sent for the last Year and half, and have not updated my mortgage balance with the correct amount owed as you did not have record of my current loan mod which is in question. Please stop this wrongful foreclosure and place my loan back into a payment status with the correct bal. please your co operation is appreciated.
Product: Credit reporting

I 've disputed several inaccuracies on my credit report due to identity theft and they were not investigated properly. I 've given copies of my police reports in the past and I am not sure they are seeing or using them.
Product: Credit card or prepaid card

I have a Capital One Master card that had a {$7000.00} dollar limit. Capital One decided during a pandemic to lower my credit limit to {$1500.00}. I was never late nor have I ever missed a payment. There decision was based on my minimal usage only. During a pandemic when Americans are stressed out, although I am working, I could be laid off any moment and I have a high risk family member. Capital One has just increased my worries and anxiety. Not to mention this will greatly affect my credit score because it will increase my utilization percentage. They disguised this has them doing me a favor and looking out for my best interest.
Product: Money transfer, virtual currency, or money service

Paypal deducted all balance on my account to theirs, that amount is {$1400.00} USD on XX/XX/2020. 
I was supposed to withdraw the money from my paypal to my own account. However, paypal broke its own rules. It says, the funds will be on hold for 180days, and we will notify you then to withdraw the money. The 180days limitation means, I will get the money after 180days, but its a lie, they took the money from me without letting me know. I can own check it through recent activities. That sucks! such a big platform taking money from its users. 
good thing is, I was told you can handle this, everyone says CFPB is really a great place to report cases like this. 

I wish you can help me to investigate on this and help me to get the money back. my paypal email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Equifax ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX/XXXX XXXX Inquiry from XXXXr XXXX, XXXX XXXX  - Card Service Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Services Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was surprised to see several inquiries from your company that I never authorized. These are now impacting my credit score, and its been really stressful to manage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


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

To whom it may concern I would like to make this brief. I have contacted XXXX, Experian, and XXXX on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax might have divulged my name, SSN, DOB and address ( as well as other informations ) to unknown hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am diligently checking my consumer report and I have found reportings that are violating my rights as a consumer. I need this item to be updated as paid on time as it is hurting my good name. The account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX are violating my rights under 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | Lii / legal formation institute 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been unauthorized inquiries on my Equifax credit report, they need to be removed immediately as i have already contacted the creditors who to recognize they 've made an error. I 've sent the creditors responses to Equifax who totally ignored the letters i received stating the inquiries should be removed. This this taken care of as soon as possible otherwise ill seek immediate litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan account with XXXX XXXX is showing several inaccuracies with all 3 credit bureaus ( XXXX, equifax, XXXX ) such as a late payment from XX/XX/2022, incorrect balance, incorrect last payment reported date, incorrect opened date, and incorrect comments reported that are all different on each report. I am not asking for the account to be deleted but only for this information to be updated correctly. I have never been late on this account and I have tried updating this information with the creditor several times.
Product: Mortgage

in XXXX XXXX i got papers to file for a loan motification, Ocwen approved iitthe motification. over the phone i called thier number and the automatied teller said my payment was now going to be XXXX and that my XXXX XXXX payment was being difered also i talked to 2 tellers who also told me my payment would be lowered and my XXXX payment was difered. i called again in XXXX XXXX to verify that i did not owe a payment for they month of XXXX XXXX i sent Ocwen XXXX in XXXX XXXX which is what my statement said i owed for that month i also sent XXXX in the same amout of XXXX in XXXX ocwen started sending me statements stating that i was 2 months behindon my payments. now they are saying i owe XXXX and i f i dont pay it to them they are going to put it up for short sale. the XXXX XXXX i recieved paperwork staing that my loan motification wasnt aproved this is the first i have heard that it was not approved. i have never been late on a payment or not payed a payment in the 10 years i have lived here.
Product: Debt collection

When I observed the debt was reporting on my credit report ( s ) I contacted all XXXX credit bureaus and disputed the debt so far XXXX has been the only XXXX to remove the debt all other bureaus have advised that I contact the creditor as the debt has been verified. I sent a request to Gulf Coast requesting validation of the debt twice I have certified mail confirmation that they received it on XXXX XXXX 2016 and a second request XXXX XXXX 2016. As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.
Product: Mortgage

Wells Fargo is in breach of our mortgage contract. They are withholding more in our escrow account then what is clearly agreed upon. They flat out refuse to explain why. I have tried to get a explanation out of them but all they do is deflect and double talk every time I ask a direct question about why they are with holding more then what is required. This is typical for this company. They have a bad reputation and I feel uneasy dealing with them.
Product: Vehicle loan or lease

THE DEALSHIP WHERE I PURCHASED THE CAR CLOSED DOWN AND NEVER GAVE ME A TAG FOR MY VEHICLE, GAVE ME THE RUN AROUND WITH PAPER PLATES.NOT THATS EXPIRED AND I HAVE NO WAY OF RENEWING THE REGISTRATION.IVE BEEN PULLED OVER 4 TIMES AND MY COMMUNITY HAS TOWNED THE CAR FOR NO TAG ALREADY. WHEN I CALL THE TITLE DEPART AT THE BANK WHERE I GOT FINANCE FOR THE CAR, THEY TELL MY THAT DEPT IS CLOSED TO CALL BACK LATER AND THEY NEVER CALL ME BACK. I DONT WANT THIS TO BECOME A BIGGER ISSUE BUT IM PATING FOR A CAR THAT HAS NO TAG OR REGISTRATION AND I CANT CONTINUE TO USE BECAUSE I DONT WANT AN EVEN BIGGER PROBLEM. PLEASE HELP ME OUT. 
THE DEALERSHIP IS CALLED : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE # XXXX ... 
MANAGER NAME : XXXX XXXX UNITED AUTO CREDIT XXXX XXXX Send a Message Customer FAQs
Product: Student loan

I am wanting to figure out why the credit reports are not showing that my loan is up to date and in good standing. I recently have brought my account out of default and in good standing and was told that the new provider NELNET would report to the bureaus at the end of the month. I am still waiting for the reports to reflect a loan in good standing. I would like to have this looked into as I am working to get my credit reports strengthened.
Product: Bank account or service

My bank this morning dispersed $ XXXX.from my bank account, without my permission. They made a {$2500.00}. wire transfer payment on a bill with a balance of {$150.00}. 
The recipient/XXXX knew the payment was in error and has voided the check.Bank of the West Type to enter text is doing nothing to restore that money to my bank account, leaving me overdrawn several thousand dollars! After many hours investigating what could possibly have happened, I believe was caused by an error Bank of the West processing center. 
The Bank is doing nothing to help me even though I notified them at XXXX of the problem. 
Their Customer Service keeps wanting to make it my fault! 
My account is now overdrawn several thousand dollars and I can not pay my bills withdraw any money!. 
Type to enter text
Product: Credit reporting or other personal consumer reports

This is a formal dispute under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) through the CFPB regarding inaccurate and unverifiable information on my credit report. I demand the immediate deletion of the following items due to failure to verify accuracy and compliance with legal obligations : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have filed an FTC Identity Theft Report for these accounts and demand their immediate removal. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is not licensed to collect in Florida. No valid proof of debt, assignment contracts or purchase agreements has been provided despite my disputes dating back to XX/XX/year>. The use of automated processes ( AI ) to reinsert or verify these accounts without human review is a violation of 15 U.S. Code 1681i. 
Unauthorized Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX This inquiry is unauthorized and should be immediately removed. No permissible purpose exists for this inquiry, as required by 15 U.S. Code 1681b. 
My name should be listed as XXXX XXXX XXXX initials or variations. Any deviations are inaccurate and violate the FCRA ( 15 U.S. Code 1681c ). 
My address should be XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. Any other addresses, including po box es or previous variations, are incorrect and must be deleted immediately! 
As a victim of the XXXX data breach, I demand the immediate deletion of all items mentioned above. The lack of documentation and failure to verify my disputes over multiple reinvestigations only highlights the inadequacy of AI-driven verification processes. Human review is required by law, and the continued reporting of these inaccuracies is a violation of my rights. 

I expect these items to be permanently deleted from my credit report without further delay!
Product: Credit card

I was looking for a low APR credit card and was told to look into CapitalOne. Their website : https : //www.capitalone.comXXXX  ; clearly shows that the XXXX XXXX XXXX is eligible for an into 15 months 0 % APR for purchase and transfer as advertised. I got pre-approved for the credit card and decided to apply for it on XX/XX/year>. 

Upon receiving the credit card, I called Customer Service today ( XX/XX/year>XXXX  ) to confirm that the 0 % APR for purchase and transfer for 15 months was in effect before I make any large transactions. They inform me that the XXXX XXXX card I applied for is not eligible for the 0 % APR as advertised. 

I would not have applied for this credit card if I knew that were the case.
Product: Mortgage

Bank of America called me numerous times in XXXX. I receive a call yesterday at XXXX. A BOA representative called me to ask fo R mortgage payment. I asked him what I owed. He then saw that I didnt owe. He then went onto my account and undo my payment. Confirmation number is XXXX. The bank is to be allowed to take advantage of the black Community again. Now I am here left to watch my pile of miss payments because the BOA representative went into my account. That was illegal I did not invite him into my account.
Product: Credit reporting or other personal consumer reports

My first name is spelled incorrect on my credit report. Credit reporting agency, Equifax. The correct spelling of my name is XXXX XXXX
Product: Student loan

I submitted a complaint, escalated this to the Ombudsman Group, and contacted both Nelnet ( my servicer ) and XXXX. Last time I called, I was hung up on by XXXX. I requested information about the status of my teacher loan forgiveness application. 

I submitted my application and it was approved by XXXX on XX/XX/. I call Nelnet for a status update and they say to call XXXX. I call XXXX and they say to call Nelnet. I need my {$17000.00} forgiven because I paid everything up until that number, and now interests keep accruing and I have to keep paying it off. My payments are still due but I feel that my loans should already be forgiven. It's been months and much longer than the date they said they should address it by. 

They refuse to respond to my complaint and even hang up on me when I try to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}
Product: Money transfer, virtual currency, or money service

I am filing A complaint against Cash App ( Block , inc ) Due to inadequate customer service and unfair practices Which violates the consumer Financial protection act ( cfpa ). Specifically, cash app failed To take timely and effective measures to prevent and address fraud on their platform Leaving my account vulnerable And unprotected. Furthermore, their dispute resolution process Was unfair and deceptive As they did not comply with error Resolution requirements Under the electronic fund transfer act ( efta ) And regulation E. These actions have caused significant Inconvenience And financial loss And I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, {$11000.00}, the actions were taken by myself challenging the accuracy, compliance, and reportability of this listing with LVNV Funding LLC. 
According to the Fair Credit Reporting Act in Section 609, I am exercising my rights. Please provide me with copies of the original sources for the item reported which includes contracts I signed.