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

In XXXX of XXXX, I was fortunate to be gifted a brand new car, however I already had a car loan for a XXXX XXXX XXXX thru Bridgecrest. As I was preparing to do a Voluntarily reposession, My XXXX in Colorado had contacted me and said she was interested in taking over my car payments. I proceeded with that option, and from XX/XX/XXXX until XX/XX/XXXX, the payments from my XXXX to me were applied to the car. The next payment was due on XX/XX/XXXX, However, on XX/XX/XXXX, I was hospitalized for a Severe Umbilical Hernia, medicated, and placed on bedrest. I called Bridgecrest to inform them of my health issue, and was only granted until the next day the XXXX to make my payment. Due to hardship from health issues, I made a {$300.00} payment on XXXX @ XXXX, and the remaining {$160.00} on XXXX. So imagine my horror, when my aunt messaged me on XXXX to tell me that the car had been repossessed on XXXX. They said that because my account was a chargeoff account, that they will not, do not, and can not work with anyone, for any reason, not even a legitimate medical crisis. At one point, the representative told me that this could have been avoided if I had answered the phone on XXXX, but I informed her that I had XXXX on XXXX, and was under sedation. Not once did they ask to see my discharge paperwork. Not once did they show any effort to make an exception, care, or show any leniency, that because my payment was due on the XXXX, paid {$300.00} on the XXXX, and the remaining {$160.00} on the XXXX. I am completely disregarded, and now they are asking for {$1300.00}, or {$1500.00} to get the car back for my aunt. NO MEDICAL EXCEPTION OR CARE AT ALL. I understand being firm, strict, and the intent to collect a debt, especially on a circumstantial charge off account, but I am hugely upset in the lack of leniency for an actual XXXX emergency, especially with proof and documentation. Upon contact, I will share my medical documentation. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I notice I had fraudulent accounts on my report. Please remove these accounts from my reports ; they are hurting my ability to obtain credit. 
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies permission to pull my credit reports. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

for medical debt, I was given a summons and showed up in court. Their lawyer worked out a " deal '' with me where I could pay payments and if defaulted would have a judgement against me. I singed the paper and paid my payments. I have proof of payments. They still went back to court and claimed I stopped paying and got a judgement against me. I was not sent any paperwork to show up in court. I am filing something to get a judge to look at it again. I called and they admitted they " misapplied '' my payments but said it does n't stop their process. They are now garnishing me over twice the amount I agreed to pay in court. And I did n't break the agreement! They would n't work with me before it went to court at all. They wanted all or nothing and I could n't afford to pay it, so they took me to court. This is Credit Service Company inc. in XXXX XXXX, CO.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXXl Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX US Dept of EDXXXX Account # XXXX US Dept of EDXXXX 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 an account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX my account was charged by a infamous fraud company called XXXX. These charges were unauthorized and unknown. I had only used my card one time that day at a gas station and had to transfer money from my saving to my checking just to do that since my checking account has been @ {$0.00}. Later in the day around XXXX XXXX when I went to the store to purchase an item, I see the unknown unauthorized charges which overdrafter my {$0.00} balance and made it go negative. There were three charges at first, two for {$44.00} and then one for {$940.00}. I reported my card stolen and my bank was closed so I had to wait till the next morning to visit my bank. The next morning I did and when I got my new card and checked to see if my bank had finished the dispute process, I saw another transaction for " XXXX XXXX XXXX '' for {$54.00}. The money was later taken from my saving and my bank has yet to finish the dispute process. There are so many complaints on this MoneyLion company, they need to be shut down or investigated. I have not tried to resolve this with them since reading the reviews, I have seen so many horror stories about this same issue which can only be resolved via email with personal info which I do not want to provide to this fraudulent company.
Product: Mortgage

My name is XXXX XXXX I have been in arrears with my mortgage for 22 months. I have also been applying for a modification for 2 years. Nationstar Mortgage gave me such a run around after one year and a half they finally approved it. I was sent paperwork to sign and return. Problem is they added an additional {$76000.00} to my loan this they refer to as " New Money '' according to them this is charges, taxes, interest and fees problem is that I have been calling them for approximately 2 weeks requesting a complete break down of this " new money '' and I have not received it. Can someone please help me, please. I have to sign soon or I will loose modification and loose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXX/JP Morgan Chase Bank this account was in deferment the whole time. I see when I wrote in back in XX/XX/XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because XXXX  has not done nothing on my credit report. There is no late payments when a student loan is in Deferment
Product: Debt collection

There is an account listed through this company, I have disputed several times. I do not feel this is owed and no verification to support this claim.
Product: Credit reporting or other personal consumer reports

I am having an issue of getting my free annual credit report from XXXX XXXX, XXXX and Equifax. I want XXXX XXXX, XXXX and Equifax to mail me a complete copy of my free annual credit report. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXXXXXX XXXX Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

XX/XX/year> They are threatening to sue me for an old debt. They have been harassing me about the debt
Product: Credit reporting

On XXXX XXXX 2015 ( yesterday ) I purchased a credit report from Equifax. It was a XXXX bureau credit report for {$39.00}. I find the report data 30 to 60 days or more outdated. This report is XXXX. How can a company charge this amount of money and not even up date the balances. Then rip you for high balances. Every account number is wrong and outdated. What happens when and uptight banker looks at this XXXX information. This is serious business and should not be taken for granted as Equifax is providing outdated data for big bucks.
Product: Credit card or prepaid card

I have had several calls and mail correspondence about credit cards from XXXX, Best Buy, Home Depot, XXXX, XXXX XXXX, XXXX, and XXXX. XXXX and Best buy have been approved despite me not ever having talked with the company. I'd like to end all credit cards taken out in my name in the past month.
Product: Mortgage

I asked for assistance from the mortgage and my options were to apply for a modification for my mortgage. The problems start when i get my paperwork to sign the modification and the names don't match the title of the house. Midland mortgage is using another name saying that this other person is the owner of the house and the paperwork states that she doesn't have the obligation to pay for the house, only the original owner. The title of the house is only under the name of XXXX XXXX XXXX and XXXX XXXX XXXX ( deceased ) since XXXX that the house was purchased. When i called Midland Mortgage I testified that the modification was incorrect Under the name of XXXX XXXX XXXX and XXXX XXXX. The representative XXXX told me that my paperwork was correct and it was like that in the title of the house. I told XXXX that I don't know who is XXXX XXXX. XXXX said to me to go find XXXX for her to sign the paper work because the title came that way and that I didn't remember calling me an ignorant and dumb. I have the paper work under my power. The Only owners are XXXX XXXX XXXX & XXXX XXXX ( Deceased ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I mailed a letter to each credit reporting agency that was sent to me from XXXX XXXX XXXX that they would remove this account from all reporting credit agencies and it is XXXX and this is still reporting on my credit report.
Product: Debt collection

XX/XX/2019 at XXXX XXXX called from XXXX : Asked them to make note that the owner of the cell phone is in the west coast. The person on the other end stated it was noted. Reiterated that it was XXXX XXXX and that continued calls at this time would be a violation of TCPA and FDCPA XX/XX/2019 at XXXX AM call from XXXX : Request a note be made that the cell phone is on the west coast. Individual on phone line said that they didn't know if it was XXXX or not. I advised it does not matter or not that I had told them that this cell number was on the west coast before and that they were in violation of TCPA and FDCPA. I advised her to note it on her account. That should further calls that it would be reported for violation. 

XX/XX/2019 at XXXX XXXX from ( XXXX ) XXXX : No requests were made as the phone call was not picked up.
Product: Mortgage

In XX/XX/2021 I applied with my current mortgage Wells Fargo. After many months and going back and forth I was given a closing date of XXXX XXXX. The date passed to no avail. I then received a letter indicating I didnt close because I withdrew my application. Upon discussion with the bank they admitted that was not true. They then told me my coop did not have enough insurance. Another lie. Finally they sent we a letter indicating my coop rejected my refinance. I contacted my board and in writing that too was a falsehood. I suspect Wells Fargo didnt want to reduce my payments as a way to have me continue paying the higher rate and amount.
Product: Payday loan, title loan, personal loan, or advance loan

I put a stop payment with my financial institution against Avant , LLC over two months now. Every other day they try to take a payment and it puts my account in negative. Avant does not let me remove the automatic withdrawal. It does not allow ne to change the payment or stop it either. It does not even let you change your mailing address. Whoever gets a loan with them is stuck. The bank has been returning all transactions regarding Avant , LLC and even still they keep trying every 3 days to take the payment. They have been threatening with Collection actios for over four months now but they do not send to collections. They keep trying to take money is not there. They need to be stopped. They keep following the same practices that got them a lawsuit back in 2019. They still doing the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXXXXXXXXXXX**** Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX ( XXXX ) Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX CARD Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

XXXX XXXX XXXX XXXX  which ran my credit twice in two days SYNCHRONY FINANCIAL
Product: Credit reporting or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.
Product: Money transfer, virtual currency, or money service

Coinbase has put my account under review and are holding my funds I have contacted support multiple times you get no response after looking for advice on the Internet I am not the only one coinbase are doing this to thousands of customer they have basically stolen my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to dispute the XXXX account without new info. They are illegally reporting a charged off account on my consumer report as income when income can not be reported on consumer credit reports. They are in violation of my consumer rights.
Product: Debt collection

Transworld Systems sent a notice to my husband, in his name, for an alleged debt owed to XXXX XXXX XXXX. My husband has never BEEN to this eyecare place, but I have. I contacted Transworld Systems twice asking that they send me an itemized statement for this alleged debt, which I do n't think I owe.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

All the credit bureaus, XXXX, XXXX andExperian have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. Experian recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate .XXXX XXXX XXXX  Closed : XX/XX/XXXXThis is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ).