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

In XXXX Wells Fargo Auto granted me automobile loan with no verifiable income. After the XXXX financial crisis I was unable to keep up with the monthly payments and was harassed day and night with phone calls and even people coming to my residence to demand payment. I eventually surrendered the car to a Wells Fargo bank. I never should have qualified for the loan, but since I lost my trade in a predatory car deal and had no other means of transportation, I had no choice but to take it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not filed by a third party. 

Experian and XXXX  are fraudulent on my credit accounts DEPT OF EDXXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX is fraudulent on my Acct # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX. 

These are fraud, I didnt benefit, apply for, and authorize these accounts.
Product: Debt collection

Sent out a written letter for more information to the 3rd party debt collector company to verify the debt and to verify if it was debt. Company call merchant credit guide .. they never provided me with the information
Product: Student loan

My loans from The XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA are to be fully discharged, due to the fact that this school was found by the U.S. Department of Education to have operated on false promises, lies, manipulation, falsified data, knowingly misled students, cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies. This was all done by this school in order to profit off students loans.

Therefore, and with that being said, Aidvantage has yet to fully discharge my loan ( s ) balances listed on my account and forward all refunds due to me per the U.S. Department of Education 's rulings. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to all three credit bureaus and have not got a respond back.
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a second vehicle so my husband and I could have our own vehicles. In XX/XX/XXXX we got a divorce and I ended up with both vehicles and could not afford both payments so I did a voluntary repossession. In XX/XX/XXXX the company filed a judgement against me for an amount they say I owed, which is about XXXX more than the vehicle loan was for. I was not in a financial place at the time to pay off this balance. I did not hear from them again until XX/XX/XXXX at which time I made payment arrangements with them. I asked several times for them to provide me with a break down of the amounts owed, what the car was sold for, a balance after my payments were received. They could not provide this information to me. I made timely payments, and then I did not hear from them again and the payment was not taken out of my checking account. At this time the judgement was also removed from my credit report. As a consumer I assumed the company wrote the debt off. Today XX/XX/XXXX my employer called me and said they received a notice from them saying to garnish my paycheck. I again have not heard from them and have not received any mail notification before they contacted my employer.
Product: Debt collection

XXXX received multiple calls and they would get angry and then used offensive language.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX accessed my personal credit history through Equifax without my authorization or knowledge. It has had a negative impact on my credit score and creditworthiness. 

I have never attempted to open an account nor have I ever inquired about services or given authorization for XXXX XXXX XXXX XXXX to obtain my credit history. I do not even live in Nevada. Equifax provided only an address as contact info for XXXX XXXX as shown above. I sent a certified letter to XXXX XXXX requesting an investigation and additional information to assist me with reporting to the correct authorities, but that letter has come back as " RETURN TO SENDER, ATTEMPTED-NOT KNOWN ''. 

At this point I am unsure If someone used my identity to attempt or successfully open an account with XXXX. Or if XXXX fraudulently accessed my report as they have been shown to do in the past, as evidenced by lawsuits.
Product: Credit reporting or other personal consumer reports

I requested a hard copy of my credit report and received instead XXXX CDs with no content on them. I was notified by a third party that my XXXX XXXX XXXX had plunged XXXX points to XXXX or poor. This is a little hard to justify as I have no debts or delinquencies ; and there is no derogatory information. I have XXXX secured credit card with XXXX called XXXX and XXXX credit card with XXXX XXXX, both of which are up to date.TransUnion has nonetheless rated me a poor risk based on non-existant data. XXXX does this deliberately because they want to stay in the good graces of their primary clients, the big banks, who want the credit pool to be as limited as possible. This is called conspiracy. XXXX has made up out of whole cloth what amounts to defamation of me. Permit me to back up for a second and descibethe corrupt methods XXXX shares with XXXX and Experian. A business, a XXXX client, reports as fact XXXX side of a dispute. Say AT & T claims they were not paid. The consumer, who is at a disadvantage, because he is not a client of XXXX, says XXXX XXXX XXXX couldnt hook up his TV. To add another layer, XXXX XXXX XXXX places the bogus debt with a collection agency who knows nothing about the dispute. When the consumer complains, XXXX verifies the debt with the collection agency which is ignorant of the facts. This is fraud. Once the facts come to light through the diligent efforts of the consumer ( me ) or XXXX years pass, the false information is deleted. The next phase of this sorry fandango is denial of credit because there is no credit history, for which XXXX is responsible. Consumers who successfully climb out of that conundrum are still defamed by XXXX and its unholy brethren because their credit usage is too recent. Back to XXXX XXXX. XXXX is a knowingly corrupt enterprise. Their XXXX goal is to please the banks by eliminating as many creditors as possible. Again, my current XXXX XXXX XXXX, a meaningless number concocted out of willful malice, is XXXX and not high enough to rent an apartment. If XXXX does not raise my XXXX XXXX to XXXX by XX/XX/XXXX, I intend to file a lawsuit through XXXX registered agent, XXXX XXXX XXXX of XXXX, Delaware charging : invasion of privacy, fraud, conspiracy, conspiracy to defraud, defamation and intentional infliction of emotional distress. It is about time somebody stood up to these corrupt entities that ruin peoples lives. You have XXXX  days or legal action will follow.
Product: Debt collection

Contacts me at work after i told them it is not acceptable and that my job was now in jeopardy because of their calls
Product: Mortgage

My house was placed into foreclosure status with a sale date of XXXX XXXX, XXXX. I have been working closely with DiTech to modify the mortgage and avoid losing my home. I submitted ALL required documents via fax in XXXX XXXX. DiTech agents went back and forth with me for weeks requesting duplicate information. On XXXX XXXX, XXXX a DiTech agent advised me that all documents were in and would be forwarded to loss mitigation and the sale date would be postponed. To date I have been unsuccessful reaching anyone to confirm the status of my application ; no one answers or returns my calls. I contacted XXXX in XXXX for assistance ; today XXXX XXXX, XXXX, the representative and I learned today that DiTech needs XXXX additional documents to consider moving forward with the modification.Further, the representative was concerned that precious time passed and at this point I have not received any significant feedback. DiTech has not communicated with me effectively, I have been misinformed, not given the correct information or asked for duplicate information. I had adequate time to settle this matter with DiTech, because of their lack of concern I am not days away from foreclosure and no one to help me right the wrong DiTech has caused. I am in a desperate situation and I simply request that someone intervene in the process to allow time for the modification to be reviewed. I am running out of time, and simply can not afford to leave another unanswered call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years of age. My mother put me as a joint on her XXXX XXXX ( XXXX XXXX XXXX ) account about 2-3 years ago and it was removed by XXXX and Experian and I have wrote letters advising that this account is accurate and to not remove this account and it was removed. I want this account added back to my credit file as this is not fraud. I have not heard back from either company regarding replacing this back on my file. There was a letter that came in the mail regarding someone opening something in my name and it was not mine. I have lost my license and not sure when they were lost but I wrote to advise if anything is on my report I did not authorize it but the credit card IS AUTHORIZED. Please do not remove this one credit card. I am wishing to place XXXX XXXX back on my credit file that was removed. Account number is XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank refuse to fix the one late payments they put me in when I was never late with this account I made every payment since its been open on time with no problem. Since they refused to fix I closed the account I refuse to do business with someone who doesnt fault and Flaws of their own. I spoke to numerous reps who all promised me to fix this on their end and months later since no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of information this information is impartial and is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX  XXXX : acct XXXX, XXXX XXXX  : acct XXXX, XXXX XXXX : acct XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

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

As reporting on my credit reports showing both dates on XX/XX/2021 from two companies : XXXX XXXX XXXX XXXX XXXX are both unauthorized & did not receive consent from me. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt. It has been more than 30 days & I am a victim of identity theft. Please delete these items immediately. 

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal deletion of the consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts immediately!
Product: Checking or savings account

Capitol One is withholding my direct deposit for the 2nd day now. Theyre having system issues and theyre leaving their customers in the dark on when this issue will be resolved. I need access to my money. 2 days is far too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been paid and purchased by another lender. I have tried for a very long time to dispute this account from my credit report because this account was sold to another creditor and is paid in full. I am no longer responsible for this account and by law it should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I obtained a car from a buy here pay here lot named XXXX XXXX XXXX XXXX   in XXXX, FL. Which was my second vehicle through this company. I used them this time and the prior time because I didn't have the credit score needed to purchase at a normal car lot. So, I was referred to them by XXXX XXXX XXXX because was told that XXXX XXXX didn't base approval off of your credit score and the downside was they also didn't report payments made to your credit report. So I wouldn't see the benefit on my credit by buying a car through them but it would help me get a car that I desperately needed. So it was my understanding both times that I was approved based off of my income and employment history alone. The first car was totaled in a car accident and was paid off by my insurance company. This car was never reported in any kind of way to my credit report. The second car I returned in XX/XX/XXXX due to a very nasty divorce. My ex-husband had knowledge of the vehicle I was driving and it was in the best interest of my children to return the vehicle and he also had possession of the vehicle and would not return it to me. My ex-husband contacted XXXX XXXX and had them retrieve the vehicle from his work without my permission. I never received a call or letter from XXXX XXXX to make any kind of arrangements to get the car back or that I owed any kind of balance. I didn't even change my phone number until months later and my address change was completed with the post office immediately after me moving, so if letter sent it would of forwarded to my new address. Then this month XX/XX/XXXX almost one year since returning the vehicle they posted a negative closed account on my credit. How can they now report to my credit before 1 ) providing me with a statement showing the balance after sell of the vehicle 2 ) report after they never reported payments of information with either vehicle prior to this date 3 ) report a loan that was not based on my credit to begin with 4 ) never providing me with a notice of balance due and giving required dates to dispute the item or make payment arrangements before placing on my credit? 

I contacted them on XX/XX/XXXX and asked how this item was on my report and they stated they just began reporting to credit agencies recently. So how can the report accounts that are old and before this new process? I also asked for information on how I owed the amount on my credit and was informed that she thinks it was sold and that the company wrote off the balance years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue happened around the COVID crisis my balance on my Best Buy citi Visa card was under my credit limit amount which was XXXX, budget rental car charged my card XXXX and Best Buy let it go through. Now my limit is no where near that. I have had my card since 2019 no late payments no issues, but citi is tarnishing my credit for something that is not mine. They put in a fraud dispute, but it was not fraud, they should have put it in as a balance issue.than they closed my account and I look at my credit report and they put it on as I owe them XXXX. Just the way they did everything I made a payment they took it disputed my claim than closed my account than just threw it on my credit
Product: Mortgage

I currently have my mortgage with Ocwen. I have requested via telephone numerous times a monthly billing statement, to date I have not received that. This has been going on for almost two years. I get the same response " We will mail it to you ''. As stated, it has been almost two years and I have not received anything. I would like to receive monthly statements, as I did in the past, I have been with this mortgage company on and off since 1997 and this has been the worse customer service in the world. I am in need of some resolution. It is apparent that they do not care about their customers. Very poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time my ID has been compromised. The first person was caught. The second person was a sibling deceased XXXX years ago. This person is ex-wife, recovering from a XXXX basically confined to the basement of my own home, she went online and forged my signature opening dozens of credit cards, in her name and her daughter 's name. Tax returns were received, my signature forged checks signed I never even saw. She was ordered the DC XXXX in XXXX of XXXX during the absolute divorce, no children with her, by the XXXX to : no longer use my last name or my address. She has been out of compliance for a year now, the law clerk told me over the phone there was nothing he could do about it, I needed a lawyer. I am XXXX XXXX XXXX with several other health issues. My oldest daughter found me atter 48 years, informed her mom whom I married in XXXX of XXXX, who discovered all of these matters. I have worked double shifts to own my home, didn't know I had XXXX grandsons plus XXXX daughters, my wife is currently doing everything she can to get me relocated. We have contacted all three Credit Bureaus, and have placed a Freeze on my accounts. I have also contacted the credit card companies as well as the IRS last XXXX. I was informed by the IRS it would take some time, however it would take some time, yet they assured me the matter will be legally handled. My current wife set up an insurance policy ID Protection Plan, where we are notified -red flag, as the person is allowing collections to take over the matter and no one knows where she is hiding. The head office of our insurance company is also involved in this matter. There should be more advocates out there for seniors, I am grateful for my current wife whom I have known almost 50 years, she went back to school at XXXX after retiring from Corporate XXXX and the XXXX went back to college for XXXX XXXX. I was very very ill upon learning of all of this, however my daughter works for my wife 's doctor, and I am taking some medications mainly for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters with tracking and receipt tracking to Equifax. I have sent a letter to remove inaccurate personal identifying information on XX/XX/2023. I've also sent a letter to remove inaccurate credit information on XX/XX/2023 and a letter of method of verification on XX/XX/2023. The time frame lapsed to the request on XX/XX/2023. 

In accordance with the FCRA, Equifax violated my federally protected consumer rights under the following Consumer Code of Laws. 

15 U.S. Code 1681 a ( 4 ) Due to privacy and confidentiality 15 U.S. Code 6802 Did Not give me the option to Opt Out 15 U.S. Code 1681i ( a ) 6 ( B ) ( iii ) Did Not receive the Method of Verification requested Per FCRA 611 ( a ) ( 7 ) Did Not reply in 15 days 15 U.S. Code 1681i ( a ) Did Not due a complete investigation Per FCRA Section 604 a consumer reporting agency reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681s-2 a
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BBY/CBNA XXXX Balance Owed : {$4200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

Bankruptcy and negative accounts needs to be removed from my credit report
Product: Debt collection

Twice now I enter XXXX to the online payment form but they would change it to XXXX.
Product: Student loan

I am due a refund on my student loans due to the XXXX XXXX XXXXXXXX lawsuit. I have called EDFinancial multiple time about my refund. They have only been able to tell me it was approved and sent on XX/XX/XXXX. I call the department of ed and they say they can not tell me anything my servicer has all the info. And the servicer tells me they have no more info the DOE has the info. I called the treasury and they have no refund information. Per the court order refunds were supposed to be sent to the treasury on XX/XX/XXXX. I am due around XXXX XXXXXXXX. That is a lot of money that would be really helpful. I am owed way more than that but at this time I would at the very least like my XXXX XXXXXXXX. This is unacceptable. And I want a definitive answer on where my refund is. And I would like it is a timely manner. Not 6 months from now
Product: Credit reporting, credit repair services, or other personal consumer reports

Under federal law, they have XXXX ( XXXX ) days to complete there investigation. Please note that I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days after the investigation is finished.

I have disputed this matter on multiple occasions, and in each instance, they have failed to conduct a thorough investigation. There actions are in violation of the laws outlined in Section 611 ( a ) ( 1 ) ( A ), as you have neglected to provide the required method of verification as stated in Section 611 ( a ) ( 7 ). Furthermore, theyvare also in violation of Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by not promptly removing all unverified reporting. 

I assume you are familiar with the provisions of the Fair Debt Collection Practices Act ( FDCPA ). To remind you of what constitutes legal validation, please find below a list of the necessary documentation : * Complete payment history, as established by XXXX v XXXX, XXXX XXXX XXXX, 2001 XXXX. App. LEXIS XXXX. 
* XXXX by line item, including an explanation for each item such as the purchase date, item cost, receipt of goods, and dates of receipt. 
* Date of Last Activity. 
* My full, complete, and correct social security number for identification purposes. 
* Agreement bearing the alleged debtor 's signature, wherein they agreed to pay the original creditor. 
* The obligation between me and the creditor that authorizes them to collect the alleged debt, along with any relevant transactions binding me to an agreement to pay their company. 
* Proof of photo identification ( e.g., driver 's license, state card, or other government-issued ID ) presented at the time of purchase. 
Furthermore, They have also violated numerous laws of the FCRA and FDCPA, including but not limited to : * 15 U.S. CODE 1692 ( B ) ( 4 ) * 15 U.S. CODE 1692 ( G ) * 15 U.S. CODE 1692 ( D ) * 15 U.S. CODE 1692 ( F ) They have also violated 15 U.S. Code 1681, which pertains to civil liability for willful noncompliance, and 15 U.S. Code 16810, which addresses civil liability for negligent noncompliance.