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

I bought my XXXX XXXX XXXX XXXX from Carmax in the year XXXX. I was told that I was going to pay something to the tune of {$30000.00} for the vehicle. Upon further investigation I was made aware that I was charged, almost double that price and interest. They also added the cost of registration into my loan which was with XXXX XXXX. They also repossessed my vehicle in XX/XX/XXXX of XXXX after the payment was only 15 days late XXXX XXXX Carmax have since then managed to fraudulently sell and resell my loan back-and-forth. Please see Carmax attachment below where they clearly altered the back of the title To show it with no listed lien holder. My original title lists XXXX. They whited this out, and tried to make me sign. I refused. I have called them at least 25 times and gotten no resolve or no information in regards to this matter right now as far as it stands, there is no lien on my vehicle but Im not able to get a title they tried to lie to me and tell me that the car was up for repossession, but I know that thats not possible as I have had it for a long time, and when I called them, they didnt even know what to do with it. They have altered documents, added WAY too much on the back end of the deal, illegally repossessed my truck and refused to return my calls or refused to do anything at all the correct the error of their crooked theft. I want them to pay for the damage they have caused me and all the others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my Credit Reports from XXXX, Experian and XXXX which have not been allowing me to do that lately keeps saying error and there are a couple of things that were settled however not updated because score is still the same
Product: Debt collection

Amount they said that I owe them is XXXX. The company name is pendrick Capital partners II. I do not know where this money or The bill they talking about
Product: Credit reporting or other personal consumer reports

I am filling a compliant today, with a heavy heart and a sense of urgency regarding the inaccuracies on my credit report. As a dedicated and responsible individual, I have always prided myself on maintaining my financial integrity. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX  Balance Owed : {$580.00} XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a id theft victim. i would like these following accounts removed from my file asap XXXXXXXX XXXX acc numbers XXXX XXXX balance {$4900.00} not my account XXXX XXXX XXXX XXXX XXXX numbers XXXX XXXX balance {$21000.00} XXXX XXXXXXXX acc number XXXX balannce {$590.00} not my account XXXX  XXXX acc number XXXX balance {$2300.00} not my account XXXX XXXX acc number XXXX balance {$12000.00} XXXX XXXX XXXX acc number XXXX balance {$4900.00}
Product: Checking or savings account

1. ) Cash app permits and fosters unauthorized fraudulent transaction via unauthorized access to checking accounts and uncontrolled access via unauthorized debit card transactions by failing to adhere to banking standards which standards require active monitoring of transactions and restricting merchant transactions when abuse or unauthorized transaction history calls for the same. Cash App knowingly has allowed more than a 7 or 8 transactions from merchants with the intent to defraud. Cash App does not refund these losses and probably even gets a cut of the contrived losses as likely arranged with suspect merchants with which Cash App is likely working with, again to contrive losses, split the collected customer losses to boost their bottom line.

2. ) Cash app hid the underlying complaint ( see attached which dealt directly with fraud ). Cash App routinely does this to hide civil and criminal wrongdoing.

3. ) Without a doubt I believe CasApp knows about and enables money laundering and other financial crimes through its relationship with the judiciary in California, who access Cash app systems via known holes in third party " customer support '' and " technical support '' systems i.e XXXX and others, whereas such individuals access these systems and whitewash compliants to protect Cash App for which such individuals are afforded favors and cash from Cash app.
Product: Mortgage

I am currently with Freedom Mortgage company and was looking at a cash out refinance. My employment and all my info was taken at the beginning and I was given a rate and told an estimate of what I would be paying depending on how much I decided to take back. They had me pay a {$400.00} appraisal fee and schedule a termite inspection that was over {$100.00}. After the process and I gathered all necessary paperwork they sent a message through the company messaging that they are not approving me because of my length of employment. I have asked for my money back since my length of employment was known from the very beginning. But I have received no answer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation Under the fair credit reporting act to conduct a reasonable re-investigation ive disputed information on my credit report. Leaving an accurate unresolved accounts on my credit.
Product: Student loan

EdFinancial is refusing to accept payment for loans while they are making changes to their servicing site. This has been ongoing since XXXX and Edfinancial is now stating they may not have this resolved before XXXXXXXX. I have been attempting to submit payment for my student loans and they are not allowing any payments to made, can not locate my loans in their portal, and are attempting to delay access to the student loan payment portal until after the expiration of the zero interest which would result in them charging and collecting money to which they are not entitled.
Product: Debt collection

CRA violation no knowledge inaccurate account on my Experian credit report. FTC ID Theft Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with FORD MOTOR CREDIT and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FORD MOTOR CREDIT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and FORD MOTOR CREDIT with no successful resolution. XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting

Equifax refuses to remove these inaccurate accounts after 4 months of sending them the proof that they are repotring them as such. I require that they send me the physical court petitions that show EXACTLY what they are reporting or they need to be removed immediately. 

Please see letter attached along with proof on credit report that will show you that they are being willfully negligent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX calls my phone every other day i tell them im at work they still call, i ask for debt validation and the representatives dont understand, they call me even when accounts are in dispute, they call and hang up when you call back its them, none of the three bureau 's trans union XXXX XXXXXXXX XXXX  are correctly investigating these charge off 's and collections, i pay % XXXX apr on car i couldnt get a house im a single father, i could apply for a home loan cause of this, and now the market has doubled, i need compensation, XXXX for violations and i need {$100000.00} from each credit bureau and all collections and charge offs removed, i lost the opportunity to do so many things in life im XXXX no house just because no one is actually checking these accounts, i live XXXX  i coulda had a house if these bureaus did due diligence
Product: Credit card or prepaid card

In XXXX I purchased 2 lamps I chose for XXXX 3days later the shop owner called and said he did not have what I pick but he would pick for me bigger and more beautiful lamps his words not mine I said no just reverse my charge he said no as soon as I got back from my 10 day trip I called Discover they said until the charge came in they would take care of it. They did reverse but 2weeks later they reversed there reversal and said he proved he shipped them The wrong lamps did show up but they were not what I order so I called Discover to let them they know the wrong ones had arrived Discover told me to send them back with proof of delivery I did. They reversed the charges again but a week later they reversed them a gain and I had to remain all the paper work and a copy of his text stating he switch the lamps to some they he did have I not only mailed the paperwork but also went to XXXX XXXX and faxed them at the end of XXXX they said all was good and not to worry I closed on my new condo XX/XX/XXXX so I did not keep my papers now Discover charged my account almost 6months later and said he had a no return policy this is not a return he switched product on me and admitted it but Discover does not care. I have talked to many people at discover and on the phone they agree with me but say there manager made the decision to believe the shop owner on no returned so now I have paid the charge have no lamps because Discover told me to mail back the wrong lamps I have nothing for my XXXX dollars but the shop owner has the money and I have paid Discover so I do not ruin my credit. I was so mad I told them to canceled my card and they told me my husband was the card holder not me I said I did not know that my name was on the card My husband of XXXX years passed away last XX/XX/. I tried to pay on line but had to call and pay in person with my routing number now this afternoon I found out Discover open an account in my name with a balance of XXXX please help stop this this is not fair if you what more information please call they admitted they have all the paperwork
Product: Credit reporting or other personal consumer reports

Second and Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/2023 Regrading your letter dated XX/XX/2023 15 U.S.C 1681 N section ( B ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by theconsumer reporting agency or {$1000.00}, whichever is greater. 

Your company has sent me a copy of some bills however that's not what I ask, once again by law 15 U S C 1681b Your company has no permission to report anything using my information 15 U S C 1681, Section 604, Section 2, State a consumer reporting agency can not furnish a account with out my written instructions.

1. Your company have no written instructions 2. I did not give any permission 3. 15 USC 1681 Section 602 States I have the right to privacy. 
4. 15 U.S.C 1692 C, Section C Your company miss information as impact my consumer credit report which as cost me {$550000.00} it as come to my attention that your company as violated my consumer rights. 

Name is incorrect Address is incorrect Account incorrect XXXX, XXXX XXXX, Account incorrect XXXX XXXX I'm demanding that all inaccurate information be delete immediately I have attach my driver license that as my accurate information. 

According to REGALATION F and 12 C.F.R 1006.1 SECTION 8e 15 U.S.C 6802 A, B. C and 15 U S C 6801 18 U S C 8 obligation or other security of the United States I owe no debt your company is in violation of my consumer right to privacy. 

15 U S C 1681b Your company has no permission to report anything using my information pursuant to 15 U S C 1684, 4 According to 15 U S C 1681 S-2 Your company has a responsibilities of furnish of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer reporting agencies if the person knows or has reasonable cause to believe that the information in inaccurate.

Your company has 30th days to delete all negative items, your company have reported false information and without permissible propose violating my consumer reports according to F.D.C.P.A a copy of this letter will be send to the C.F.P.B my state senator and I will file a law suit seeking damage for lost of opportunities that your company as cause damages. 

Your company have violated my consumer rights reporting false information without XXXX your company have violated the consumer reporting act F.C.R.A, F.D.C.P.A, 15 U.S.C AND 12 C.F.R your company have 30th days to delete all negative miss information causing harm to my credit report. 

XXXX XXXX XXXX.
Product: Credit reporting

I disputed XXXX, XXXX, XXXX and XXXX on my report because of inaccurate amounts that I have battled these companies with over a period of time. I settled with XXXX and XXXX because there responded and decided to settle with me. XXXX and XXXX did not respond and it was removed from my report. Next thing that I realized is the collection agency sold my collection to another agency and submitted it again Equifax and XXXX placed these deleted items back on my report and refuse to take them off. I did my part. I have battled with bad credit for most of my life and I have turned this around and have paid off all of my debts. I am asking that this be removed and not sold again. This is not fair to the consumer
Product: Credit reporting, credit repair services, 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 Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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

I am a victim of identity theft. I reviewed my credit report from all three bureaus, and noticed that the report has credit inquiries that I did not authorize. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, OneMain Financial XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute incorrect information on my Transunion credit report since XX/XX/XXXX, XXXXThe account is " XXXX XXXX XXXXXXXX XXXX '' for {$200.00}. My first dispute was on XX/XX/2020 with no investigation or response from Transunion. My 2nd attempt to follow-up and let them know that they have violated the law by not responding to my dispute was on XX/XX/2020. Each time I've disputed the item with Transunion they received the dispute as it was tracked via Certified mail with tracking receipt. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Credit reporting agencies have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years now I have been investigating my credit report. Companies such as XXXX, XXXX and Transunion, have been committing fraud, identify theft and long term racketeering along side of banks and third party companies they are using as shark debt collection agencies. 

i have suffered much XXXX  and XXXX  XXXX  and distress due to this ongoing disproportionate and disgusting behavior. 

These financial institutions breached their fiduciary duty to protect my nonpublic personal information by withholding a known fact!! 

GLBA states i was suppose to receive an explanation as to how I can opt out of all information reporting negative information. 

Late payments/Charge offs = R.I.C.O among federal laws these companies have collectively and knowing kept doing are the following 18 USC 1341 -Frauds and swindles 18 USC 1344 - Bank Fraud 16 CFR 1681 ( CRIME ) 15 CFR 1681c-1 ( FCRA )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights. 
Under 15 USC 1681 section 602 it states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose EXPERIAN, XXXX AND XXXX and multiple creditors have reported late payments and they are as follows : XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX These are accounts that I have not given EXPERIAN, XXXX AND XXXX my XXXX instruction to report. 
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

XXXX XXXX is reporting inaccurately on my credit report. They sold the debt to a 3rd party company that was paid. But they are still showing unpaid, past due on my credit report. I want XXXX XXXX removed immediately.
Product: Mortgage

I applied to Cross Country Mortgage in order to obtain lending for purchasing a primary resident on or about XX/XX/year>. My realtor recommended a mortgage consultant who worked for Cross Country named XXXX XXXX. After working with XXXX XXXX for XXXX months and well after being approved and while actively searching for a home, XXXX XXXX announced that she was leaving Cross Country Mortgage. She informed me of a new company that she would be on board with named XXXX XXXX XXXX. She said her license hadnt transferred as of yet but would be working directly with the branch manager named XXXX XXXX over at XXXX XXXX in order to close my loan. She assured me that my rate would be lower than the 6.4 % rate that I had previously been approved for at Cross Country. XXXX continued to make promises in relation to obtaining a new loan that she couldn't keep. I was since then told that my new rate would be over 7 % .The new company materially altered these terms or failed to honor them as promised. Officially, XXXX license never transferred over to XXXX XXXX and so she wasn't privy to my personal information which she continued to access. Her company change resulted in significant delays, additional costs, and materially affected my loan terms. Her practises were deceptive and I was misrepresented by her and the two companies she represented. Afterward, I obtained new employment in the same field as a result of her delayed practices and was denied for doing so by the new company named XXXX XXXX XXXXXXXX.