23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

the complaint is against one main financial located at XXXX XXXX in XXXX NC. i called them to inquire about a vehicle loan and that i might be interested in getting one. i told them once i pretty much found something, i would call back, after i did some shopping around online or in person. i found something i liked, online. so i called one main back but this time they never answered my calls. i tried calling a few or a couple of times and calls went unanswered. i know i had poor credit in the past, but it is good now. very good. and i explained that to them. and that i worked on my credit to bring my scores way up again. but that gave them no reason to ignore my calls. i know they were open and not closed because they normally close around XXXX or so and i called way before that time. but that's ok. dont bother calling when it's time for a payment. i will block your number and i am going to have these accounts removed from my credit reports
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I dont know where this debt came from never got a call or letter in the mail. It just popped up on my credit report. I sent a letter stating that I looked their license up to verify if they could collect a debt in Illinois and they couldnt do it so it needed to be removed immediately. Nothing happened
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX XXXX XXXX XXXX Account Number : XXXX The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be deleted and update as agreed this payment history 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

Original Creditor : XXXX XXXX XXXX {$1400.00} - Amount Stated That I Owe **** Requesting **** VOD **** Validation Of Debt **** Date Disputed : XX/XX/2018 Resolution : Account Status Was Updated Requesting VOD - Validation Of Debt This Was NOT Validated
Product: Credit reporting, credit repair services, or other personal consumer reports

To who this may concern, I am writing to express my concerns with the conduct of Experian, XXXX, and XXXX. In XX/XX/2021, I noticed that some unauthorized information was being furnished on my consumer report without my permission and equally as importantly without my knowledge. After studying federal consumer rights and the many laws that govern them extensively, I became aware of the blatant violations of my consumer rights. Shortly after the discovery of the violations, I sent a number of dispute letters requesting or even demanding that the above credit reporting agencies, removed this information because it was affecting my ability to obtain various means of credit that I know undoubtedly could improve my family 's livelihood and financial stability. Each time they would state that information was already investigated and they didn't have to repeat an investigation or that it was just verified. But never offering any verifiable proof that this actual transaction or encounter took place. My question is who gave these Credit Reporting Agencies the authority to determine independently that the word of a third party was more important than the actual consumers. By law, consumer reporting agencies are supposed to investigate all information prior to even furnishing any of it on the consumer 's report. Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, the consumer never gave them any instructions to do any such thing. One of the most recent documents I sent to each of the credit reporting agencies was a notarized Affidavit of Truth. In which I demanded they have a Senior Executive Representative create an Affidavit and address it to me, where it states I granted them permission to furnish my report ( see attached ). They sent me a generic response which is not an acceptable response ( attached ). An Affidavit has to be rebutted by an Affidavit " line by line ''. They failed to do so to that. I can't stress enough how unfair this is to me as the consumer. I am highly disappointed but not surprised. They are clearly undermining me as the consumer.
Product: Checking or savings account

As with my previous complaint, Citibank continues post my transactions, while also leaving the same amount in pending, double dipping into my account, and holding up twice what they should. A {$15.00} transaction becomes {$30.00}. A {$40.00} becomes {$80.00} out of my account. They refuse to fix the error for weeks on end, holding up my funds, making it difficult to pay bills and take care of necessities. It just feels like theft at this point or taking advantage of people with XXXX, whom otherwise may be unable to argue their case. Once was an accident, maybe twice. But this has happened over and over and is a system error they wont fix.
Product: Credit card or prepaid card

In XXXX I walked out of XXXX XXXX  and XXXX XXXX XXXX XXXX. Walked into a Guitar Center with a POCKET FULL OF CASH! Paid in cash for things SUCH AS : XXXX XXXX XXXX ( {$1200.00} ) XXXX XXXX  XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$400.00} ) XXXX XXXX ( {$400.00} ) XXXX IXXXX XXXX ( {$400.00} ) The team at THAT TIME saw potential to steal from my pockets while shopping and pressured me to leverage MY CAPITAL against their CREDIT CARDS because the STORE could benefit from " people like me. '' SO I GAVE THEM AN AUTOGRAPH!! 

Since then my CAPITAL and PROFIT has been TREAD by representatives of the company and credit reporters and groups/banks. 

My PATENT WAS INFRINGED... 
My intellectual property has been COMPROMISED and maintaining the SPECIFIC MIND I WAS BORN WITH is now washed and ultimately incorporated with a SCANDAL. MY BUSINESS, REPUTATION, NOTATION, AND LIFE HAS BEEN STOLEN AND DESTROYED. 

I HAVE INSTRUMENTALS CREATED A XXXX AGO THAT HAVE BEEN COPYRIGHT INFRINGED TO XXXX XXXX THAT I CAN'T EVEN GO TO THE COPYRIGHT OFFICE ABOUT! 

XXXX XXXX XXXX have ultimately HACKED MY TOOLS. 

I AM GOING INTO TRIBAL CONSULTATION!
Product: Debt collection

For the company to do what is Fair and Equitable to me as a consumer to stop harassing me. Especially since I do not know this company and why they are harassing me.
Product: Credit reporting or other personal consumer reports

i recently reveiwed a copy of my credit report and i notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

I am writing to follow up formally to dispute inaccurate information that remains on my credit report despite my previous attempts to resolve this matter. This is my attempt to correct the incorrect late open accounts listed on my credit report. Despite these efforts, the inaccuracies persist. The incorrect late open accounts are adversely affecting my credit score and causing me significant distress and inconvenience. 
I urge you to correct these errors promptly and send me an updated copy of my credit report. Please also provide me with the results of your re-investigation in writing. I believe the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute information and expect a timely and accurate correction. These are the accounts I want to be corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$100000.00}.
Product: Money transfer, virtual currency, or money service

I sent a payment to a friend on Venmo.

They suspended my account and debited my checking account for the payment amount even though they did not send the payment.

They asked for Verification, which I did when I setup my account so I uploaded my State Drivers License again. 
They will not tell me why they suspended my account or when these funds they withdrew from my checking account were not transferred back. 
Only received emails stating it would be XXXX business days until verification is complete. 
They have {$2000.00} from my checking account sitting in my Venmo balance.

They emailed this morning stating my account was unfrozen and I was verified.

I imitated a standard transfer to my checking account the full Venmo Balance to my checking account.

They froze my account again and asked for me to Verify my identity again.

They have not transferred my funds back to my checking account and say they will take another XXXX business days to verify my identity again.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting This notice is to inform you that due to various concerns regarding a lack of fair and accurate credit reporting. The information being reported has caused me damages.

This inaccurate credit reporting is a misrepresentation of my person. Reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers under the fair credit reporting act. It is my belief that the information being reported has NOT been investigated upon insertion to my consumer report. I am a private American and my person is trust property.

Furthermore, I am aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ). I have attached a Certificate of Financing statement from ( Arizona ) Secretary of State. Search Criteria shows NO RESULTS FOUND for ( insert your name ALL CAPS ) to pay any financial obligation. I AM A CONCERNED CONSUMER WONDERING WHY YOU ARE REPORTING DEBT THAT DOESNT BELONG TO ME. 
XXXX, XXXX, Equifax, you are reporting the below account ( s ) that are not an obligation to my name according to the Secretary of State. 

Accounts : 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: Vehicle loan or lease

My XXXX XXXX XXXX was financed through TD auto finance on XX/XX/XXXX and paid off sometimes in XXXX. Since the car was paid off TD auto finance has refused to release the title of my car. I have made several calls to this organization and was lied to by their staff that the car title is released. However, every time this organization makes such false claims DMV records show TD auto finance still holds a lean on my car, fraudulently. 
I have wasted hours to talk to representatives at TD auto finance and days at the California DMV to determine what the problem is. 
I feel like I have been targeted by this organization and discriminated against. 
I was unable to trade in my car yesterday, XX/XX/XXXX, due to TD 's purposeful discriminatory acts and I was humiliated at the dealership.
Product: Debt collection

Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

MERCEDES BENZ FINANCIA XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MERCEDES BENZ FINANCIA customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.
Product: Credit card

It was a long time ago ... i have spoken to several customer service and upper management whom all have said one thing or another ... But my last call was weird. A supervisor said oh yes i see it was corrected and we will contact the credit report companies ... and literally within the same call moments later he said oh wait all the info is gone ... ( so confusing and i think they messed up and i am still paying for it ... )
Product: Credit card

I inadvertently created a Chase Bank credit card inquiry for an Amazon Card on XX/XX/2016. 
I meant to cancel the online inquiry but mistakenly submitted it. I contacted Chase Bank immediately be phone and they said it had n't been processed and they would cancel it. 
It has appeared on my XXXX score ( via XXXX ) and negatively affected my score. Additionally, the request was denied?? Can you intervene and have this removed from my XXXX scoring? Thank you..
Product: Mortgage

It started with applying for a mortgage with Quicken Loans. They asked for the usual qualification question. On XX/XX/2021 we got our pre-approval. I was evaluated and pre-approved for an FHA loan for $ XXXX. After scouting for houses in the area, I found out the $ XXXX is not enough to get a house. I talked to the loan officer if they can increase the loan amount. They asked me to submit documentation to include pay stubs, w2s, bank statements and even my wife 's pay stubs and w2. They increased the loan amount to $ XXXX. 

After over a month of house hunting, on or about XX/XX/2021 we found a property an made an offer of $ XXXX. Our offer was accepted on XX/XX/2021. We put in our earnest money of {$1700.00} and option money of {$150.00}. We hired an inspector for {$370.00}. We are now a week into the purchase. After the inspection, we found that there are items to fix with the house. The seller agreed to lower the price to $ XXXX. 

On or about XX/XX/2021 I got call from Rocket Mortgage and we went through and signed the forms and got an approval letter for $ XXXX. On XX/XX/2021 I got another call from Rocket Mortgage that my loan was disapproved because my debt to income ratio was too high, Their reasoning is the Underwriters made a computation mistake.

I spoke to the Director of Mortgage and explained to him that we spent time, fuel, toll fees looking for a house for a month and even got penalized for withdrawing our XXXX in preparation for the closing. I asked the mortgage director if somehow they can approve the loan because it was their mistake. He said they would only refund the option and inspection fees. 

I want what's only fair, we spent so much time looking for a house had our hopes high and suddenly it was pulled right under us. They owe us the time, effort, cost for looking and the penalty for XXXX as a minimum. 

We are a first time home buyer and we had this bad experience. There is a large banner on their website when I applied " You are pre-approved '' print your pre-approval letter. This is very misleading.
Product: Other financial service

Dear Consumer Financial Protection Bureau : ( 1 ) Property located at XXXX XXXX XXXX XXXX new jersey XXXX should not be in mu name, XXXX XXXX XXXX. I, XXXX XXXX XXXX, did not sign the application for the loan, and the contract was legally rescinded. 

( 2 ) There is a legally binding contract ( SHORT SELLAGE-bank approval ), and the buyer is in breach of contract. 

( 3 ) A foreclosure is in process, and their paperwork service of process is defective. I was not served the complaint or summons and the default judgment awarded them is VOIDED. Their was no due diligence on their part when they intentionally knew the mailing address XXXX XXXX XXXX XXXX Georgia XXXX. 

XXXX XXXX ) I, XXXX XXXX XXXX, keep have the same problem with self-proclaimed thugs, lawyer judges, et.al in the state of New Jersey and they need to STOP, adhere to their Laws/Statutes/Codes/Rules. 

Make them understand this simple concept : What they are doing is wrong. 

Please provide immediate resolute remedy without them further negatively affecting me, XXXX XXXX XXXX-The Innocent victim. 

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

The bureau have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY CONTINUOUSLY MAILED CORRESPONDENCE TO AN INCORRECT ADDRESS AND THEN REPORTED DELINQUENCES TO CREDIT BUREAUS. THIS COMPANY DID NOT REACH OUT TO ME VIA PHONE OR EMAIL. I WAS UNAWARE THAT I WAS IN REPAYMENT. I HAVE DISPUTED THIS 3 TIMES WITH THE COMPANY FROM XX/XX/XXXX AND XX/XX/XXXX. THE COMPANY REFUSES TO REMOVE THIS INNACCURATE INFORMATION. THIS IS ILLEGAL. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.
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. 

Has Violated my rights 1. PENTAGON FEDERAL /Account number # XXXX 2. PENTAGON FEDERAL/Account number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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: Debt collection

Equifax credit bureau has a medical bill in the amount of {$1100.00} that is not mine. I have disputed this issue ( 3 ) times with no response. My last dispute the credit bureau responded stating that the information was vertify.Credit file # XXXX. 

I call the collection company : XXXX XXXX XXXX. This bill was orginated at XXXX XXXX XXXX in XXXX, XXXX  in XXXX. I left XXXX in XX/XX/XXXX and moved to XXXX. I never used XXXX XXXX. I am a XXXX. I know that there are ( XXXX ) other XXXX with the same name. I discovered this from the XXXX registry. The collection specialist vertifed all my information. She stated a mistake was made that the bill is not mine because there is a different birth date on the bill. She instructed me to submit a dispute to FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to report inaccurate information on my report. I have dispute for a year and now hired a law firm. They send generated messages XXXX verified which is a lie because I have NEVER received signed documents or original, or any paperwork for that matter that is required to prove my federal law. I have requested help from them, PROOF and nothing but generic responses. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX were stolen from me. I have sent requested fraud reports 3 times to collections companies and they say they dont get it. Its a run around game and I am now seeking legal help. I have not received anything from them but lies.
Product: Debt collection

Since XX/XX/2008 my home has been a subject of illegal foreclosures attempts. On the first one the Bank/Servicer/Investor or whatever they were, stated that my mortgage note was destroyed or lost. Since then 2 other  Bank/Servicer/Investor tried to do the same but all cases have been dismissed in court. Now a Trust that its not even listed at the Securities and Exchange Commission just filed another attempt : XXXX XXXX XXXX XXXX, XXXX as Trustee of XXXX XXXX  XXXX XXXX XXXX. I have requested the Servicer XXXX XXXX  numerous times sending a Qualified Written Request to find the real owners of my Mortgage since I would like to negotiate with them. They ignored my requests. Please you are my last resource.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.