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

The prior selections did n't customly fit my issue but I tried to select as best I could. I just wanted to know if there are any standards in place regarding who should obtain the title of a used vehicle purchased. Here 's what happened to us. I signed with my son for his first used vehicle financed and State Farm issued funds without ensuring a title. The car lot never paid the loan on the title with the funds from State Farm Bank so I had to obtain the title myself & it took me a whole year, getting the county & state involved. State Farm Bank told me on 2 different occasions that it was not their responsibility to get that title. So my son was paying on a vehicle that still belonged to the previous owner because State Farm Bank did n't feel it was their responsibility to receive a title when funds were released ; therefore funds were stolen by the car lot owners. I had to pay for a couple of temporary plates while issue was resolved because my son needed the vehicle to go to school. Then i also had to pay for county fees, again when the title was finally transferred to our name. Those fees had already been charged when the vehicle was purchased, there was enough down payment to cover taxes & fees. As far as the taxes, I was able to get an affidavit from the Comptroller 's office with the help of the gentleman from the State. It was a total nightmare with time and extra expenses wasted that should not have been if State Farm bank would have ensured that title before releasing funds.
Product: Consumer Loan

I was approved by Sierra Auto Finance, XXXX, TX for a vehicle loan in XXXX 2016. I found vehicle at XXXX XXXX XXXX, XXXX, MI-signed applicable documents, paid my down payment and took possession of said vehicle. XXXXfour days later, I received a telephone call from Law Auto Sales explaining that Sierra is unwilling to fund my purchase because Sierra can not verify my income after both Sierra and Law Auto Sales verified such income prior to me signing the " Retail Installment Sale Contract '' and taking possession of my vehicle. 

To date, I have yet to receive a letter of denial of credit from Sierra Auto Finance or Law Auto Sales. In lue of all this confusion, Law Auto Sales instructed me to pay them my monthly payment until further notice. I have been paying Law Auto Sales each month on time for the last four months. Law Auto Sales are refusing to report my credit history to the XXXX or any credit bureau. I have had numerous conversations and over XXXX e-mails requesting that my data get properly reported to credit bureaus and to date, I have no response of satisfaction nor reporting to credit bureaus. 

It is my hope that you will be able to assist me with this most urgent matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.
Product: Debt collection

To whom it may concern, My name is XXXX XXXX XXXX and I have been a XXXX XXXX XXXX member for over 20 years ( # XXXX ). I recently rented a XXXX car on XX/XX/XXXX ( Rental ID # XXXX ) at the XXXX XXXX XXXX XXXX. I put my bag in the trunk of the car, and entered the driver 's door. 

Upon reaching my destination in XXXX XXXX, I exited the car and noticed that there was a huge dent on the rear passenger door. I did not create this dent nor was I in an accident. I inherited the car this way which had not been adequately reviewed by XXXX staff. 

That evening, I contacted XXXX and had a lengthy conversation with one of your representatives ( case # XXXX ) in a good samaritan gesture and was told that I would not be responsible for this charge. When I returned this car on Saturday XX/XX/XXXX at the XXXX XXXX XXXX XXXX, I was told by the person receiving my car that he did not have time to fill out a return " incident form '' while I was waiting and was asked to sign a blank form. 

On XX/XX/XXXX, I received a bill for {$1500.00} for damages that I did not incur, but rather inherited. The claim number is XXXX. This attempt to collect a debt by Viking Billing Service, was the first notice I had received by any representative of XXXX. In other words, XXXX sent the bill to collection before even contacting me regarding the bill. 

I believe in justice and fairness, and I have no intention of paying this bill for which I am not responsible for as I did not create the damage claimed. Rather, it is the incompetence of XXXX staff to not identify this damage and take this car out of circulation prior to my rental which is at fault. It is immoral and illegal to attempt to procure a debt from someone who is not responsible for the creation of such debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I graduated from XXXX XXXX University in XX/XX/XXXX. My loan servicing company cant give me any information on when they originally received my loan. I was steered in the direction of forbearance for all these years with years of incurred interest. My loan my was around 15,000, now is XXXX the majority of the total is interest. I will be begin to pay this loan in XX/XX/XXXX.  These loans were taken out in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. 

I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. 
I have supplied appropriate proof of your identity to the CRA. 
I have supplied the identity theft report from a federal, state, or local law enforcement agency. 
I have identified the faulty information on the credit report. 
I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. 
EXPERIAN has failed to follow these regulations set by the Federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed these items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX PennyMac paid my homeowners insurance for year {$960.00} XXXX XXXX bill sent to PennyMac for {$2500.00} and it was deducted for settlement on the house. 
XXXX XXXX {$2500.00} was deducted from my settlement, for a fictitious bill regarding hazardous insurance. 

PennyMac took too much from my settlement, charged me for insurance when they did not pay the premium, and kept too much of the interest paid on the account. The money was sent on Monday, XXXX XXXX. It was wired. They reported it received as of XXXX XXXX. 

Also, my interest rate was XXXX the credit report states I made XXXX payments. The amount of the interest and payments does not match up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX XXXX XXXX ARE ALL REPORTING INFORMATION THAT I DID NOT CONSENT TO PURSUANT TO 15 USC 1681 ( A ) ( 3 ). I WAS NEVER CONTACTED OR GIVEN THE RIGHT TO VERIFY OR CONFIRM THE ITEMS THAT ARE BEING REPORTED IS IN FACT ACCURATE. MY RIGHTS HAVE BEEN VIOLATED PURSUANT TO15 USC 1681 ( A ) ( 4 ) .THE FOLLOWING ACCOUNTS HAVE VIOLATED MY CONSUMER RIGHTS : XXXX XXXXXXXX XXXX # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. DEPT OF ED/XXXX ACCT # XXXX. ALL INQUIRIES WERE NOT AUTHORIZED BY ME AND WOULD LIKE FOR THEM TO REMOVED AND BLOCK.
Product: Debt collection

This company is repeatedly calling, harassing me ... .they didn't have correct information for an account they were trying to collect on. I've included my call logs.
Product: Credit reporting or other personal consumer reports

fraudulent account opened in my name after being hacked in XXXX and again in XXXX a paypal credit card THAT IS NOT MINE AND THEY WILL NOT REMOVE IT. Causing my credit limits to be reduced causing my debit to credit limits to increase dramatically
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Deletion of Charge-Offs from Credit Report Under 15 U.S. Code 1681 ( c ) ( 2 ) Dear Sir or Madam, I am writing to formally request that you delete certain charge-off entries from my credit report, as provided for under 15 U.S. Code 1681 ( c ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). The entries in question are listed below : Creditor Name : XXXX  XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Date Reported : XX/XX/XXXX Under the FCRA, charge-off information that is reported on a consumers credit report can be removed after seven years from the date of the initial delinquency. Based on my records, these charge-offs should no longer be reflected on my credit report as the time limit for reporting has expired. 

As per 15 U.S. Code 1681 ( c ) ( 2 ), I am requesting the removal of this outdated information to ensure my credit report is accurate and compliant with federal law. 

Please confirm receipt of this request and provide written confirmation when these charge-offs have been deleted from my credit file. If you require any additional documentation, feel free to contact me at ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX Account number XXXX
Product: Mortgage

I originally applied for a loan on XX/XX/XXXX. A complaint has been submitted regarding the mortgage banker who said our rate was locked but then wanted to charge us points to get the promised locked rate. Now I am submitting a new complaint because of the time this has taken. It is now XX/XX/XXXX and received this message from the mortgage banker ( XXXX XXXX ) yesterday : " The system is waiting on an approval that we received on XX/XX/XXXX. We are working towards correcting this issue and XXXX, as well as other managers are involved in resolving this. I am extremely sorry for the process thus far and I promise you that I am working on correcting this issue so we can complete your loan as quickly as possible. '' I left a voice message with XXXX XXXX yesterday regarding this " system error response '' and never received a call back. I am so fed up with Wells Fargo and that is why I am submitting another complaint. I have submitted everything requested by them and can not understand if the loan was approved on XX/XX/XXXX why it is now XX/XX/XXXX, almost a month later, and still has not been finalized.
Product: Checking or savings account

US Bank ( National Virtual Banking, XXXX XXXX XXXX, XXXX XXXX, MN XXXX ), opened an account using our business information, without our consent or knowledge. We have contacted them and tried to close account, but they never resolved the problem. Now, we just received letter that our account is overdrawn, and they refuse to help.
Product: Debt collection

National Credit Systems , Inc. based in XXXX, GA, Tel : ( ( XXXX ) XXXX fraudulently misrepresented and collected money for a non collectable debt. They also did not apply the full amount of funds I paid for a legitimate, collectible debt to my account with them, which was posted on Wednesday, XX/XX/2022. I contacted the Supervisor, XXXX XXXX, on Wednesday, XX/XX/2022, regarding the discrepancy with the actual payment that was made vs payment posted, and account closed letter, he said it would take 10 days after receiving my payment for them to apply the Correct payment amount to my account and generate an closure letter. However, XXXX XXXX XXXX, my account manager, stated in a previous phone conversation on Tuesday, XX/XX/2022, that once my payment was posted to my account, I would receive account closure letter immediately. They have been playing this Intentional, back and forth game with me for over a week putting me in a precarious position financially.
Product: Mortgage

My loan company has not maintained proper records of each of my repayment transactions. They even failed to account for {$50000.00} of principal that I have repaid and initially demanded an additional repayment of over {$90000.00}. After further communication, this amount was adjusted to over {$40000.00}. Upon continuing to reconcile the accounts, I discovered that I have actually overpaid my loan. Throughout the duration of the loan, I did not receive any statements or receipts. When I raised the issue regarding the statements, they initially denied the discrepancies and even resorted to insulting me. I suffer from serious XXXX XXXX, having communicating with the loan officer whole day long pointing out their error, I was insulted by the loan officer last name XXXX XXXX # XXXX which caused me to experience feelings of sadness, anxiety and tiredness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus investigation did not fix an error on my report This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXk XXXX, 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports