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

I bought my car last year from XXXX XXXX they got me financed thre XXXX XXXX then pinnacle group took over I tried to trade my car in they told I have to car loans showing up on my credit which im only suppose to paying for one I called pinnacle group they were very rude the told me my pay off had changed from what they told me yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 

There is no contract between CARTER-YOUNG , INC./AD and myself ( name as listed within the attached OPT OUT letter ), nor is there any contract novation in place between the original creditor XXXX on XXXX, XXXX XXXX CARTER-YOUNG, INC./AD and XXXX XXXX XXXX XXXX XXXX within the attached OPT OUT letter ) ; therefore I have no obligation with this non-affiliated third party CARTER-YOUNG, INC./AD. 
Per 15 U.S. Code 6802 section b ( 2 ) states, This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. CARTER-YOUNG, INC./AD has not provided a contract with the original creditor stating they are contractually obligated to collect on the original debt on behalf of the original creditor. 

15 U.S. Code 1681:604 section a ( 2 ) states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I invoke my right to opt out at any time of my non -public personally identifiable financial information as defined in 15 U.S. Code 6809 4 ( a ) from being reported on and to credit reporting agencies from the third party CARTER-YOUNG , INC./AD .

CARTER-YOUNG, INC./AD and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and CARTER-YOUNG, INC./AD C whether it is verbal, non-verbal, written, implied or otherwise is revoked. As the consumer per 12 CFR 1016.7 ( g-i1 ) which states that, A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. This opt out shall be in effect for any past present and future endeavors of, between and through CARTER-YOUNG, INC./AD, XXXX, XXXX and XXXX pertaining to me ( name as listed within the attached OPT OUT letter ) and any variations of the name.
Product: Mortgage

They have escrowed my taxes into my account. But I Already paid the taxes. They are trying to say that they dldo paid them I called XXXX county of XXXX. Hey said there is no record of shellpint mortgage paying them. I have spoken with different people, written letters. Nothing has worked. This company is so unorganized. I do n't know how they stay in business. I hope they fix this problem soon. I can not afford to pay what they are asking. I tried to do loan modification. Even that was an ordeal with them. I wish they would help preople. Not just take their money
Product: Money transfer, virtual currency, or money service

I cant link my bank to my digit account to access my funds. I feel robbed.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

XXXX XXXX, I had XXXX $ wired into my account from a consignment sale in Florida from XXXX XXXX. Around the same time I had went to New York to pick up a motorcycle I was purchasing. Citi bank said I couldnt access my funds to buy this motorcycle because I didnt have debit card number to verify account, I had my neighbor get the mail at my home and send me a pic of it and verified the number. They told me I had to wait for a reference number in the mail then. I came back from New York, went to main branch office in XXXX XXXX SD. They cut me a check for XXXX $ told me to wait for the letter. I went back to New York got the bike. Came back got reference letter and gave it to them on the phone. They said the phone number was not correct with the account! I gave them every phone number I have ever had, none of them worked. They told me I had to wait for another reference letter. I went back to XXXX XXXX SD and talked to branch management! Explained this is my life savings, showed them state id, ss card, verified my phone number. Lady on phone with us from fraud dept, hung up on us after she said she closed the account, a check will be mailed in 30-60 days if any funds are deemed to be mine! This is a XXXX XXXX XXXX! I have XXXX $ of my life savings in this account I have not had access to at all since I have had it deposited! XX/XX/XXXX, was the date I was in South Dakota last so it supposed to be mailed by XX/XX/XXXX! I need my money, they have it and are not releasing it! I need action taken on this! Citi bank is a thief!
Product: Credit reporting or other personal consumer reports

FTC REPORT # : XXXX I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from XXXXXXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Checking or savings account

Good Day My name is XXXX XXXX. I am an XXXX XXXX service connected veteran with a service connection of 40 %. Just recently I was released from federal custody to direct home confinement. I am now beginning to receive my XXXX checks again but while I was away I had a major issue with USAA bank as they allowed my XXXX checks to go into another account number without my approval for 11 months. Because of this I was then told by the government that I owed the government and in order to be able to receive my benefits again I would have to repay all that was owed. 
You see I self-surrendered myself to XXXX XXXX XXXX XXXXXXXX ( located in XXXX, Minnesota on XX/XX/2017. For the first 6 months of my XXXX  the VA continued to send me my full payment of 40 % when it should have only been 10 % due to incarceration. A state XXXX for Minnesota who works out of XXXX ( a Mr XXXX  XXXX ) helped me to put in for a reduction in my benefits so that they could be reduced to the 10 %. Somewhere in this process my information was switched and my account routing information went into another account number. While talking to a USAA representative they told me that I have to take it up with the people who issue the checks. It's my belief that it is the banks responsibility to ensure that no ones check goes into another 's account without consent. Following this whomever owned account received my payments for the next 11 months. When I found out Mr XXXX and myself put in for an audit and this is where the information was revealed. In the attachment below you can see what I am talking about. Debt Management then said that I owe the VA {$6000.00} in order to reinstate my benefits. I can understand owing the government 6 months repayment at 30 % but to say that I owe XXXX is crazy especially when USAA allowed my monies to go into another 's account. Next Mr. XXXX and myself just stopped the payment period. 
Now that I am released, I'm trying to get my benefits reinstated and rectified but it has been a fiasco. I contacted the bank who gave me no help whatsoever. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said that no students were there over the summer. I reached out to the IDVA ( Illinois Department XXXX XXXX XXXX ) and they connected me with affordable legal and finally that's how I got connected to you. I pray that you can help me in this situation and that it will all be over soon. 

Thank you in advance for your time and consideration Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A New York state Tax Warrant was issued to my husband and I on an amount owed that was still in dispute. I paid the full amount even though it could ultimately end up less money in our favor. I paid the full amount because it appeared on our credit report in our " public record '' section - lowering our credit score and making it almost impossible to get a loan. Our daughter is going to college in the fall and we need to secure a loan for her before then - this is a nightmare - please help.
Product: Debt collection

I have settled with cendence as agreed by both parties. 
I have paid off XXXX XXXX XXXX as agreed by both parties. 
I have paid XXXX loan as agreed by both parties. 
I have paid XXXX XXXX in full as agreed. You are reporting these account on my credit report.
Product: Bank account or service

I opened a citibank saving account, because there was a {$25.00} promotion around XX/XX/XXXX or XX/XX/XXXX. I contacted citibank many times and it seems citibank does n't want to honor this promotion.
Product: Mortgage

We have been trying to resolve a mess this mortgage company created. We sold the house in question and it closed XX/XX/XXXX, the mortgage company for some reason sent incorrect figures to the closing agent on a pay off statement, the money was wired to them for the full amount on the pay off statement. They are now demanding more money and neither ourselves or the closing agents were notified of this until I got a delinquency letter in the mail. We have tried to fix this, and they now say we owe XXXX in escrow fees, as well as an additional XXXX in penalties and interest from XX/XX/XXXX to now, XXXX dollars in penalties and interest seems very excessive. I have tried to reach the supervisor they tell me I need to speak to and she is never available and will not return calls. We are about to seek legal action since we can not get resolution from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently pulled my credit report and noticed that there's a collection from Wells Fargo Mortgage on my credit report. Over the past 4 months I have requested validation of this account from Wells Fargo. As of today ; I have not received any correspondence from Wells Fargo regarding this collection account. As per the FDCPA, I have the right to request a validation of this debt. Well Fargo Mortgage is reporting invalidated information to the 3 major credit bureaus ; which is considered defamation of character. This negative listing on my credit credit report does not allow me to enjoy the benefits of good credit. Until Wells Fargo validate this debt, they can not continue collection activities nor report this information on my credit report.
Product: Mortgage

I received an email sometime in XXXX telling me that my Real Estate taxes were paid. When logging into my account, I noticed that my monthly payment almost doubled. Per my Mortgage disclosure statement, my taxes were excluded specifically from my monthly payments. I was told that a letter from my township was sent to CMG regarding delinquent taxes, so they CMG paid even though we have a contract not to pay. When using the Chat preference on their website many times, I was given so much conflicting information it was ridiculous! One of the many persons I chatted with told me to pay the back escrow and my payment would go back to normal. I paid the back Escrow, however my payment remained doubled. When I went on the Chat again, I was told I needed to write a letter with my signature stating that I didn't want my taxes paid through my Escrow account. Well, I did that and sent it through the messaging on their website on XX/XX/XXXX. To my surprise my taxes were paid again on XX/XX/XXXX now my Escrow account is negative again! I have been going back and forth with this company for over a month, they just can't seem to get this straight. I never in my life had to deal with such incompetence!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8500.00} XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

Dear Consumer Financial Protection Bureau Representatives, I am reaching out to request the immediate removal of two fraudulently opened bank accounts at XXXX XXXX XXXXXXXX in my name, without my consent. Although the bank has closed these accounts, they continue to appear on my credit report, negatively affecting my credit history. 

Details of the Fraudulent Accounts : Account 1 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to this fraud incident and has confirmed that these accounts are closed. However, the accounts still appear on my credit report. 

FTC Report Number : I am attaching the FTCs Identity Theft Report, with report number XXXX, to support my request to remove these fraudulent accounts. 

Violation of Consumer Protection Laws : This situation violates several federal laws that protect my rights as a consumer : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA establishes my right to dispute fraudulent information on my credit report and requires credit bureaus to remove incorrect information.

Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

The TILA requires lenders and financial institutions to take adequate measures to prevent fraud and protect consumers from unauthorized transactions. Opening fraudulent accounts in my name at Bank of America without my authorization suggests possible failures in the verification procedures.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028.

This law penalizes the unauthorized use of a persons identity to conduct unauthorized transactions. My identity was used to open these accounts without my authorization. 

Request : I respectfully request that the CFPB : XXXX XXXX XXXX XXXXXXXX and relevant credit bureaus to immediately remove any record related to these fraudulent accounts from my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX identity verification process to prevent similar incidents from affecting other consumers. 
Consider imposing penalties on XXXX XXXX XXXX under the Truth in Lending Act and the Fair Credit Reporting Act. 
I appreciate your prompt attention and response to this matter. I do not authorize or request the inclusion of any fraud alert on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After i noticed this Random account being repoted to my Consumer Report I Contacted Transunion via Phone XX/XX/2021 to notify them of the Adverse item. The Representative was unable to assist me even after i notified them of the specefic account that was being reported inaccurately. they were completey ignorant to the law. on XX/XX/XXXX i wrote the company notifying them of the Law Codes they were in violation of & i have not heard anything back from them..
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXXXXXX 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 had a XXXX XXXX XXXX, XXXX ago broke down, transmission issues. Filed XXXX and its discharge years ago! Ally Bank still shows it on my records, causing me negative adverse affect of too many inquiries, high principal and interest rates please the headaches of deny Credit, as a result am requesting XXXX last XXXX discharged on XX/XX/XXXX XXXX
Product: Consumer Loan

I borrowed XXXX from castle payday and they said I would have to pay back XXXX now they tell me the XXXX a month is interest only now the closed castle payday and opened it under XXXX payday
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX  XXXX, 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: Payday loan, title loan, or personal loan

I borrowed {$250.00} in XX/XX/XXXX. It is now XXXX. I called to close the account today after I noticed through bank statements that {$60.00} has been coming out of my account since that time. 
I called today to close that account and was informed that I still owed {$33.00} dollars on a {$250.00} loan taken back in XX/XX/XXXX. To close the account by XX/XX/XXXX I would have to pay {$93.00} ....
Product: Mortgage

I received a letter from land home financial services dated XXXX The letter noted a XXXX day late notice. The letter also included an increase in payment of {$120.00} per month and the date changed from the XXXX of the month to the XXXX  of the month. I was never notified this nor was my bankruptcy attorney of any changes that were made. I am on a fixed income and have arranged my finances to pay the mortgage on the XXXX of each month. The XXXX  of the month would be a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow-up complaint to resolution of complaint ID # XXXX. I have received my report from the company dated XX/XX/2022 and multiple errors still persist. My correct name, phone number, and address was given in my i.d theft report. XXXX errors still persist on my report after the complaint. According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.
Product: Vehicle loan or lease

when i bought this vehicle and good a loan from crystler capital I paid for GAP insurance and that means that the loan would be paid off if something ever happened to the vehicle. and it was totaL LOSS ON XX/XX/XXXX 2016 no regular insurance I have GAP insurance