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

On XX/XX/2019, went to Larry H Miller used car supermarket of XXXX to trade in my XXXX XXXX XXXX  for a XXXX XXXX XXXX. We talked and haggled for about 3 hours and after running my credit ( XXXX has record of this as well ) I had a XXXX credit score and the salesman ( XXXX ) said that with that credit score I would be getting financing through XXXX XXXX XXXX XXXX, with an interest rate around 10 %, payments close to XXXX and qualified for there no payments for 90 days. ( Summer special XXXX XXXX verified that this was offered to people with my credit score ) however it was a Saturday and he said he would call Monday to have me come in and sign the documents. I was put off and passed around for approximately 35-40 days before I  contacted the MVED and was given to investigator XXXX XXXX. He got them moving and within 5 more days the loan was ready. However during this whole process they never paid off my trade in so I was getting blown up by my prior finance company for the XXXX, which the company ended up calling the dealership and forcing them to pay it off finally. Then I asked for my plates and they said they were still waiting from the DMV. Over the next 2 months they continued to put me off to the point I had to park the truck due to not having plates or a temp tag AND my car insurance dumped my truck for it not being in my name. Now I don't have insurance and they won't take me back at the great rate I had because of it and it's XX/XX/2019 AND STILL NO PLATES! then I started getting calls from XXXX XXXX around XX/XX/2019 saying I was 3 payments behind because I never got the 90 day special. I told them that it couldn't be since I had XXXX credit. They proceeded to tell me that the loan documents submitted to the on XX/XX/2019 said my credit was XXXX and I was past due and near repossession. I looked up my profile on XXXX  and found a total of 8 hard pulls 2 of which were Larry H Miller. ( Once on XX/XX/XXXX and once on XX/XX/XXXX ) so they ran the crap out of my credit over 30 days then reran it through the dealership and gave me a terrible loan that is XXXX dollars a month more expensive than was a agreed upon. And now in order to get insurance put back on it will go up to XXXX from XXXX a month for the truck.. the truck I couldn't even drive for the last 2 months. Oh and the trucks brakes were warped from day 1. I would have noticed exceot the engine brake was turned up to cover it. ( They have already agreed to repair these free of charge. ) This has screwed up my credit, finances and stressed my family out to no end not to mention I am dealing with severe health issues right now. XXXX XXXX, XXXX  XXXX, XXXX XXXX, and a bunch of other problems. This is totally unfair and not what I agreed upon and now it may force me and my family to lose everything over it. All I wanted was a nice truck for a fair price. And those criminals continue to XXXX  me around because I am a nobody and I can't  do anything about it. Please help me right these wrongs. If you have any questions feel free to get in touch with me. Thank you.
Product: Mortgage

We locked the rate in at 5.125 for 1 % One week before closing I get an update that has the points at 2.25 %. When questioned the originator admitted that they made the mistake, they didn't submit the lock even though we expressly told them to.

Gave me a verbal that they would honor it... yet they are still NOT sending correct paperwork and we are supposed to close in 4 days.

I have sent the conversation that shows us expressly saying to LOCK - the original docs showing 1 % and then the 2.25 %.

The text say they would honor the agreement... but, NOTHING has been addressed.
Product: Credit reporting or other personal consumer reports

DEBT VALIDITY REQUEST SENT. INACCURATE INFORMATION ON MY CREDIT REPORT / FILE.
Product: Credit reporting or other personal consumer reports

I am unable to obtain a accurate score or to have the information updated. with XXXX Equifax or XXXX they are violating several U.S.C. codes as well as Metro 2 compliance and the FDCPA. I have made multiple attempts as well as phone calls with no resolution or resolve in these matters. I will not tolerate the level of unfairness in regards to these multiple violations this results in damages that I will seek to recover through litigation.
Product: Debt collection

I am writing to dispute the accuracy of the information thats on my credit report according to the fair credit reporting at FCRA section 605B, 15 U.S.C. 6802, 18 U.S. Code 1028A, and 15 U.S. Code 1681b
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I received an email from someone using the name XXXX XXXX offering me a work from home position as an Administrative Asst/Data Entry. 



She invited me to converse with her for the interview on XX/XX/2020 at XXXX CST on a Glip app which I downloaded on my PC. 

At the end of the 2 1/2 interview she said she would speak with HR Dept to see my results. She sent me a letter to say I was successful. 

On a letterhead saying it was XXXX, the HR dept then asked me to forward my Driver 's License ID and to fill out my W4 ( which incidentally included my SS # information ). 


She again pre interviewed me. Again saying she would speak with HR to get my results. The next day she came back on XXXX/XXXX XXXX XXXX to say I was successful and she was going to send me a check for my home equipment purchase. 

A cashier 's check in the amount of {$3900.00} was sent to my home address of which I was to deposit in my personal back account. The next morning Thursday, XX/XX/XXXX she directed me to pay {$2000.00} to a merchant ( well known supplier named XXXXl / XXXX XXXX - XXXX Tag ) on XXXX XXXX ; and {$1900.00} to a XXXX XXXX, Email : XXXX on XXXX. I did this. She said the {$50.00} remaining was a bonus to me for my time in interviewing. 



On Friday, XX/XX/2020 she directed me to pay a total of {$3200.00} in 2 parts through my XXXX account I have with Bank of America : One in the amount of {$1500.00} to a XXXX XXXX - {$1500.00}, Email : XXXX The other {$1700.00} to a Cartel, Email : XXXX through XXXX which I did. 

She said the purpose of this was to hasten the office equipment to me so I could begin training on Monday, XX/XX/2020. 

She ( XXXX XXXX ) said I would be reimbursed of the {$3200.00} on XX/XX/2020 with a check she would send from the Finance Dept of XXXX. She sent me an attached letter to the same on Friday evening, XX/XX/2020. 


I had looked the name up of XXXX XXXX and saw she worked for XXXX so I thought the whole process was credible. 


However on Saturday, XX/XX/2020 when I checked my bank account I saw that the cashier 's check of {$3900.00} drawn on XXXX XXXX bank was returned for insufficient funds. When I called my bank they said the check was fraudulent. 



At this point, I have been stolen a total of {$7100.00} - {$3900.00} ( fraudulent cashier 's check sent on XX/XX/2020 ) and {$3200.00} ( stolen from my bank account through XXXX transfer on XX/XX/2020 ) and I want to know how can I recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and inaccurate information by Credence Resource Management. Also, business account
Product: Credit card

I consistently ensure that my payments are made on time. I am completely certain about this. What concerns me is why this company is marking me as late in specific months, which shouldn't be the case. According to USC 1666b, any billing errors must be corrected, or else they'll owe me {$1000.00} for each inaccurately reported account.
Product: Student loan

I have two student loans that were transferred to Navient from Sallie Mae. My payments were being misapplied from XXXX through XXXX on both loans. One of my loans had a disbursement amount of {$10000.00} on XX/XX/XXXX, I was immediately billed for a principle amount of {$23000.00} on the same date. My second loan disbursement was for {$7900.00} on XX/XX/XXXX, I was immediately billed for a principle amount of {$16000.00}. All of my payments were going to interest based upon the outstanding balances. In addition, the capitalized interest on the loan and late payments are not accurate, also I am not clear what happened when the loans were sold on XX/XX/XXXX. Navient didn't inform me that my loans were going into repayment ; as a result I have incurred a 30-day and 60-day derogatory remark on my credit reports. When I reached out to Navient after pulling my credit report, I was advised my account had a cease and desist in place. I advised Navient that I never requested a cease and desist for these two loans. I called Navient on XX/XX/XXXX and spoke with a supervisor regarding my payment history as reported on their website. I was advised Navient has two sets of records for my account, and the correct records are not what is shown on their website. I was advised I would be receiving the correct records in the mail within 4 weeks, I called back after 3 weeks to see if the records were sent and was told to wait. As of today, I still don't have those records or any clue about the accuracy of what's reported on the website. The website doesn't show figures for years XXXX, XXXX, and most of XXXX is missing as well, on both loans.
Product: Credit reporting or other personal consumer reports

Several FDCPA have occurred between this company and their assignee over the last 3 months : XXXX. Consent and permission was never given to contact and communicate with any third party regarding this debt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated this by making contact and discussing this matter with family members. 

XXXX. A debt collector must provide a written notice within XXXX days after its initial communication ( or in the initial communication ) including : a ) the amount of the debt, b ) the name of the creditor to whom the debt is owed, c ) a statement that unless you, within 30 days after receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt collector will assume the debt is valid- the date on the notice was XX/XX/XXXX, both companies received a dispute on XXXX and XXXX via signature confirmation and certified mail respectively. 
d ) a statement that if you notify the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against you and a copy of such verification or judgment will be mailed to you - despite the dispute being received by both companies on XXXX and XXXX, there was never any response provided and or mailed. 
XXXX ) and a statement that, upon your written request within the XXXX period, the debt collector will provide you with the name and address of the original creditor, if different from the current creditor. 

XXXX. If you make a request in writing, the collection agency must stop communicating with you, other than to let you know that its ending communication, or it may ( or will ) sue you or use another legal remedy to collect the debt. XXXX XXXX XXXX XXXX XXXX never responded to the request and additionally without prior warning in their initial communication and subsequently, filed suit on XX/XX/XXXX. 

XXXX. In doing this, they have falsely represented the character, amount, or legal status of a disputed debt which considered harassing conduct under the FDCPA. 

XXXX. Lastly, in more harassing conduct, they are still attempting to collecting fees or charges the collector is not entitled to collect under the agreement creating the disputed debt. In their suit complaint, XXXX XXXX XXXX XXXX has included numerous fees, court costs and interest yet contradictorily provided a statement clearly detailing the terms of the payment agreement due on XX/XX/XXXX that was broken by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Additionally, on XX/XX/XXXX, XXXX XXXX XXXX XXXX further acknowledges the validity of this agreement in their response to a prior CFPB complaint stating that they " have forwarding your concerns to our client as we believe XXXX will be better suited to handle this matter ''. Despite this, as of today XX/XX/XXXX, their suit remains open.
Product: Mortgage

We purchased our home XX/XX/XXXX. XXXX XXXX Roundpoint Mortgage purchased our loan. Soon after we received a letter stating we did not have enough flood insurance and if we did not respond within 45 days they would force place extra coverage. Well our payments went up XXXX more a month. We received the exact same letter same wording and just a date change XXXX XXXX. My husband called our mortgage company numerous times, talked to several people who all have different answers. The fourth day of calling and being placed on hold for 50 minutes at times he finally spoke with a manager/supervisor. He explained what we had received and the manager told him that the issue had been resolved to just throw the letter away/put it to the side. She stated that we were paying the extra XXXX a month for extra flood insurance. She also stated that something was definitely wrong with our file and that she was going to send it to another managers office. We thought the problem was resolved. Still XX/XX/XXXX to be exact, we are flooded. We live in WV where XXXX of the XXXX counties were declared a disaster area. We called our insurance and made a claim. We then called our mortgage to let them know what had happened. While talking with the mortgage company we were told that we only had XXXX in flood insurance. Now mind you we just talked to the on XX/XX/XXXX and was told we had been paying extra for more insurance. My husband asked to speak to a supervisor and was placed on hold for hours at a time. The phone would be answered as if we were calling in for the first time again. We have never spoke to a supervisor to date. Two weeks after the flood we received an advancement check so we could get started rebuilding but our mortgage company told us to endorse it and send it to them to be placed in a file, that they have never heard of an advancement check. The issue with all of this is we have had to spend XXXX out of pocket to make our home livable but not repaired. The total damage to our home alone was XXXX. We only got XXXX to fix our home. As you can see that is not going to cover the damages. So, due to Roundpoint mortgage dropping the ball where our flood insurance is concerned we will not receive enough money to repair our home. We were told the XXXX extra was for extra flood insurance. If it was n't going towards flood insurance they have had our loan for almost two years, why was this issue not fixed?
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on Experian its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX XXXX Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by XXXX XXXX on my credit files with Experian and XXXX. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : XXXX  XXXX XXXX XXXX  Credit Reporting Agencies Affected : XXXX XXXX Experian Inaccuracies and Issues : Inconsistent Date Opened : XXXX XXXX Reports XX/XX/XXXX Experian : Reports XX/XX/XXXX Erroneous Account Status : XXXX Status : Late 120 Days Experian Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure. 
Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1681c ] : Imposes rules on reporting obsolete information and mandates that all information be complete and accurate.

FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within 30 days.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accuracy and integrity of the information supplied to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 requested removal of inaccurate personal information to TranUnion credit bureau
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, GA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Lack of Response from Credit Bureaus Dear CFPB Team, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaction by the XXXX major credit bureaus ( XXXX, XXXX, and Equifax ) in resolving inaccuracies on my credit reports. I contacted all three bureaus on XX/XX/XXXX, requesting corrections and validation of information that does not belong to me. However, as of XX/XX/XXXX, I have not received any form of communication from any of the credit bureaus. 

My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, and my date of birth is XX/XX/XXXX. I would like to firmly request the removal of all incorrect information that remains on my credit reports. This includes former addresses that are not accurate and other details tied to my identity. 

Here is a summary of the incorrect information on my reports as of XX/XX/XXXX : XXXX : Incorrect current address : XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX, XXXX XXXX, MI XXXX Incorrect employer : XXXX XXXX XXXX : Incorrect current address : XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Incorrect employer : XXXX XXXX These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure accurate reporting and respond to disputes in a timely manner. Specifically : Section 611 ( 15 U.S. Code 1681i ) requires credit bureaus to investigate disputed information and respond within 30 days.

Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) ensures the accuracy of the information reported.

The failure to remove erroneous data after being notified constitutes a violation of Section 623 ( 15 U.S. Code 1681s-2 ( b ) ) of the FCRA, which obligates furnishers of information to investigate and correct inaccurate information.

I kindly request that your office intervene on my behalf and enforce my rights under the law. I demand the immediate correction of all inaccuracies on my credit report, as well as confirmation that this issue has been resolved. Please ensure that XXXX, XXXX, and Equifax comply with their legal obligations and notify me accordingly. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint bank attempted to cover up fraudulent actions taken on their part in XX/XX/year>. As part of the attempted cover up, Shellpoint submitted a letter, which included blatantly false information. This case is to address the coverup. I note some of the legal violations committed by Shellpoint, including a violation of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, and the FDCPA, 15 U.S.C. 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect a debt.

Background : Shellpoint bank debited my bank account {$50000.00}, and attempted to only allocate {$25000.00} to my balance, hiding the other {$25000.00} in " Unapplied Balance '' and charging me interest. Additionally, Shellpoint violated the terms of our agreement by limiting me to only {$25000.00} in payments per day, when I requested to make a {$50000.00} payment. I brought these issues to the attention of multiple customer service reps ( including XXXX supervisors ) over the phone, and in repeated emails and correspondence. Shellpoint has no interest in addressing their poor service, fraudulent actions, and lack of accountability. It is my hope that this case will bring some accountability to them.
Product: Debt collection

Opened XX/XX/2017 Amount {$480.00} Account was closed but they sent to enhanced recovery company. Disputed. They never sent verification
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is conspiring with XXXX mortgage company to continue to re-age an old bad debt. I tried to file a dispute online but Transunion refused to accept the dispute. On XX/XX/2021 I sent, via certified mail, Transunion evidence/proof catching XXXX re-aging my account by removing payment data from my credit report. Transunion has refused to fully investigate my claims of fraud, allowed payment history to be removed, allowed payment history to be reported as no data, all while presented with a mountain of evidence of XXXX 's wrongdoing. I supplied Transunion with the same evidence I am attaching to this complaint. Evidence that includes a copy of an old Transunion credit report showing the missing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accidentaelly uploaded my friends information to my previous complaint as I am using a work computer, there is other peoples information here because this is our HR department.I am reuploading my information to try and correct the problem. I ask that you look into my issue of identity theft, the accounts and misinformation of there do not belong to me. 
XXXX XXXX  - {$18000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$6700.00} XXXX  XXXX XXXX- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a copy of a letter I sent to " LEXISNEXIS '' LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA, XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report. I opt out of disclosing future information until further notice, including the clue report and all other reports furnished by lexisnexis regarding all personal information of mine. This security freeze is requested not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX   XXXX, XXXX  XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " LEXISNEXIS '' never responded or complied with my request. I will send the same letter via certified mail.