23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2020 - I received a U.S. Bank Relia Debit Card from the Colorado Department of Labor and Employment last week to receive unemployment benefits. I do not live in Colorado ; I live in Maryland. I did not EVER file for unemployment insurance, hence, I do not want or need this card. I believe this may be a case of identity fraud. I would like to deactivate this card immediately.

I tried contacting U.S. Bank Relia Card Customer Service at XXXX XXXX and could not reach a live person to deactivate the card. Rather, an automated message asked me to put in the 16-digit card number and PIN. I do not have a PIN, since I never activated the card. I also could not get to an operator to discuss any other options.

Online, I was able to email a fraud report form ( found at https : //cdle.colorado.gov/sites/cdle/files/USB_ReliaCard_Fraud_Form.pdf ) to XXXX. I also found this XXXX Form and submitted it, as well : XXXX  : XXXX ( without my social security number, since I did not feel this was a secure platform ). 

To be on the safe side, I also contacted XXXX to set fraud alerts on my accounts. I also ran a credit report through XXXX  and see that there were soft inquiries from the Colorado Department of Labor and Employment ( XX/XX/2020 ) as well as from the Ohio Department of Labor and Employment ( XX/XX/2020 ), which are both very concerning.
Product: Credit card or prepaid card

I was approved for a XXXX XXXX XXXX XX/XX/2023 was suppose to receive it within 7-10 working days, I never have received the card even though an account has been set up at Synchrony bank XXXX I have tried to contact them to no avail, ( representative could not speak America English to well ). I received an email stating a card was sent out and would recieve it by XX/XX/2023 but I still have not received the card as of todays date, XX/XX/2023. IT is Account ending in : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in evidence, also an FTC report stating the accounts I am disputing isnt mine. And still XXXX and Transunion are giving me a hard time! This is torture and very depressing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX  XXXX Balance : {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX XXXX XXXX
Product: Bank account or service

I am complaining about paypal decision on the claim I filed. " I purchased iphone 6s XXXX for XXXX on XXXX. I stated that I am buying it for my mother in another XXXX so I needed clean ESN but as it turns out it did not have clean ESN, it had unpaid bliss. So I waited to get to my home XXXX and then bought unlock service on ebay. It took a while, but today when we got message that phone is unlocked. We turned on the phone and finding out that it is on XXXX lock!!! Phone is not going through the activation process and asking for email and password. Unlocking process that we did, does not affect XXXX lock, it is written on apply website. Moreover, when we visited several XXXX stores, we were told than wrapping is not factory XXXX and that someone already re-sealed it.I am opening a dispute for this. I want either to get rid of XXXX or i want my money back! The phone is still new, I could even activate it or used because it has XXXX lock. '' I filed a claim asking to remove XXXX or sending phone back and get refund. Paypal decided the case not in my favor, so no remove XXXX or send phone back and get money. I have a phone that I cant use, I cant neither fix it or send it back and Paypal is deciding in seller 's favor.
Product: Credit reporting or other personal consumer reports

in accordance Fair Credit Reporting Act 15 USC 1681b- Permissible purpose of consumer reports. 
XX/XX/2024 I XXXX XXXX notify XXXX, Experian, XXXX that are in violation of my consumer Rights. 
15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), term " credit report '' does not include- ( A ) Subject to secection 1681s-3 of this title, any ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. 
There are inaccurate ( late payments ) on my credit report XXXX {$170.00} Account number XXXX XXXX {$1100.00} Account numberXXXX XXXX {$12.00} Account number : XXXX Also without written instruction inaccurate inquiries i did not authorize nor did i consented : XXXX. XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX. XXXX XXXX XX/XX/2024
Product: Consumer Loan

I purchased a XXXX XXXX and financed through American Credit Acceptance. XXXX or XX/XX/2015 I had to have the transmission repaired for the second time the 1st time the warranty covered the second time they would n't so I had to find a mechanic to do the job.in doing so and after all the charges it totalled over XXXX almost XXXX I could not afford that kind of money up front and they was n't willing to work with me so they kept my car and filed a lien on it. So now American credit acceptance is saying they repossessed the car when they Did n't and they also have messed my credit up serverly and refuse towork with me or talk to me in a professional manor to remedy this. I would really like them to please remove the charge off/repo from my credit when they have not phyisaclly repoed the car but actually lied to the credit bureaus and stated they have. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Charge-Off - Account # XXXX To whom it may concern, I am formally disputing the charge-off reported by XXXX on my credit report. This account is listed as a charge-off ; however, I never received a 1099-C cancellation of debt form as required by the IRS for canceled or forgiven debt. Due to this discrepancy, this account is inaccurate and must be removed immediately under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

Under 15 U.S.C. 1681i ( a ), I request an immediate investigation into this matter. If this information can not be verified, it must be deleted as per 15 U.S.C. 1681e ( b ). I also request the method of verification per 15 U.S.C. 1681i ( a ) ( 6 ).

Please complete this investigation within the legally required 30-day period. If this item is not removed, I am prepared to escalate this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i need the CFPB to get involved in this serious matter! .transunion and XXXX XXXX XXXXXXXX is reporting inaccurate information on my credit report which is a violation of my rights as a consumer. i am a victim of identity theft, someone has used my identity to obtain services and goods using my personal information. please block and remove this fraudulant account from my current credit report asap!.
Product: Vehicle loan or lease

On XX/XX/XXXX, I, XXXX XXXX, sent a letter to Toyota Financial Services in regards to an account opened through a consumer transaction on XX/XX/XXXX for a XXXX XXXX XXXX. In my affidavit letter I let Toyota Financial Services know that I was aware of the multiple Truth In Lending violations that were done against my principle, XXXX XXXX XXXX and this affidavit was not rebutted. I requested that Toyota Financial Services cease and desist all communications through all mediums with ANY third party, send a complete audit trail ( transactions summary, ledger, accounting, and file ) so that I can assess the validity of this alleged debt, grant my title lien free, do not attempt to collect, do not furnish any negative activity to reporting agencies, do not seize or attempt to seize any property in my possession, return by check all payments including downpayment, finance charge, amount financed, and violation fees, return original signed agreement, and XXXX out the balance on this account. None of these request were honored. On XX/XX/XXXX, the XXXX XXXX XXXX was repossessed by XXXX XXXXXXXX XXXX XXXXXXXX XXXX sent by Toyota Financial Services. On XX/XX/XXXX Toyota Motor Credit reported negatively on my account. In response to my correspondence, Toyota Financial Services admitted to not being a debt collector as defined under the Fair Debt Collection Practices Act. This is in violation to the Fair Debt Collection Practices Act which states that " the term debt collector does not include an officer or employee of a creditor or someone who is affiliated with the creditor by common ownership or corporate control. '' Toyota Financial Services is collecting a debt from my principle, XXXX XXXX XXXX. Toyota Financial Services also declined my request to release the lien or issue a free and clear title.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the suppression currently placed on my credit report. This suppression is adversely affecting my ability to access my credit file, which is crucial for me to check the accuracy and completeness of my credit report.
Product: Debt collection

Communication was asked for via their call center request for payment by PayPal, on several occasions I've since changed phones, I'd like to have call records to my phone by synchrony on behalf of XXXX, I was committed to setting up a agreement, but I need proof of purchase and what and how it was purchased? One thing I learned is the deceptive manner at time of using credit or direct payment, I primarily thought I was paying by bank account, statements were not by paper as they charge for this so I was XXXX at work, had XXXX XXXX XXXXk, XXXX  and XXXX  XXXX, I was XXXX  for several months under XXXX XXXX XXXX shortly after was divorced, I believe I was taken advantage of in my time of disparage, thus I sought help to figure out how, what, when debt occurred, I don't think this is unreasonable, especially being a XXXX  with XXXX XXXX. I've been with PayPal for years never had an issue, but increasingly upping interest rates make it impossible to pay initial loan, loan sharks come to mind?
Product: Consumer Loan

Auto loan pay off reported on XXXX not on XXXX, called the creditor to ask reporting be updated on XXXX and was hung up on by associate at Ally Auto.
Product: Credit reporting, credit repair services, or other personal consumer reports

I urge you to take action regarding these inaccurate accounts that do not belong to me and are fraudulent, as I do not want them to appear on my credit report.
Product: Mortgage

Megastar Financial increased our closing costs {$1300.00} from the final Loan Estimate to the Closing Disclosure, without justification. We believe the Loan Estimate was knowingly false, and would like this to be remedied.

Background : We were shopping 3 different lenders in this home buying process. 

1. After we signed a purchase agreement XX/XX/XXXX, Megastar sent us a new loan estimate with an increased {$4500.00} in closing costs from previous estimates. 
- We said no - Discussions continued with Megastar and other lenders 2. On XX/XX/XXXX, Megastar offered to lower closing costs by {$1200.00} ( rates had moved ). We locked in a rate with them and gave the go ahead. 

3. XX/XX/XXXX we received a new final loan estimate from Megastar confirming these fees and costs. ( Everything great! ) 4. XXXX XXXX XXXX, zero further communication on closing costs with Megastar 5. XX/XX/XXXX, Friday evening we received the Closing Disclosure, with a request to sign it by midnight in order to keep the early close on track - Buried in the closing disclosure was a {$1300.00} closing cost increase - back up to the level we rejected on XX/XX/XXXX - The cost categories had changed, there was now a much larger escrow requirement ( from 5 to 7 months ) and loan title insurance had increased 40 % - Closing disclosure also stated we had shopped around for title insurance, which we did not. 

6. From XX/XX/XXXX to XX/XX/XXXX, Megastar was unresponsive, rude, and dismissive when we asked about these increases. Unfortunately, we had no choice but to close with them or lose the home. 

7. On XX/XX/XXXX, getting nowhere with our Megastar rep, we reached out to their branch manager via their website. Response was continued obfuscation and incorrect information.

8. On XX/XX/XXXX at the closing table, we were surprised by yet another Closing Disclosure dated XX/XX/XXXX, which addressed none of the concerns and contained the same inaccuracies as the XX/XX/XXXX disclosure. 


In summary : Attached XX/XX/28 and XXXX disclosures show the {$1300.00} increase in closing costs. 
-- We locked in our rate XX/XX/XXXX -- XX/XX/XXXX disclosure, closing costs of {$14000.00} -- XX/XX/XXXX disclosure, closing costs of {$15000.00} primarily two items changed substantially : Lender title insurance increased {$300.00} ( 40 % increase ) -- We went with Megastar 's title company, and did not shop for this service.

-- Megastar 's business is mortgage loans, and they know what title insurance costs on a {$400000.00} loan. The loan costs provided to us were very misleading. 

Property tax escrow increased {$1300.00} ( 40 % increase ) -- Every estimate and disclosure from Megastar, going back to XXXX and including the post-rate lock disclosure of XX/XX/XXXX, showed 5 months of escrow -- We were not informed of any increased escrow requirements at any time, or the potential for any increased escrow requirements. 
-- Closing disclosure on XXXX increased the escrow to 7 months.
Product: Mortgage

It's been more than a month, I have been informing agents that works for Lakeview Loan Servicing that the reports they have on my credit reports is totally wrong. I got this mortgage back in XXXX, XXXX and I have never at once paid them over 30 days late. I will not deny the fact that I have made some payments past the 15 days grace period but never at once paid past 30 days late. They reported me to the credit bureau that I was 12 months late on my mortgage payments, for the whole year of XXXX.. I tried all my level best to let them know that you have the wrong reports on my credit file but they refused to understand my request and deliberately just don't care about my complaint or just trying to ignore what I was telling them. I was reported 12 months late for the entire XXXX, while I did made my mortgage payments that whole year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent innacurate and false information consists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

a little while ago I printed my Experian credit report and noticed some fraudulent activity which caused XXXX upon me and hardship and loses. I reported to Experian that this accounts were fraudulent, unauthorized and without my written consent added to my credit report. so far Experian has refused to do a proper investigation of these accounts and failed to provide information requested after Experian verified the accounts as certified. on XXXX XXXX I mailed Experian a letter requesting information of the reinvestigation through certified mail a copy of my identity theft report, FTC report along with a copy of my ID, Social security card and a utility bill which according to the XXXX receipt return they received on XX/XX/2022, I called Experian on XX/XX/2022 to follow up and they told they didn't receive proof of identity. according to the FRCA everything in my reports has to be 100 % accurate and Experian handling of my disputes and reinvestigation violates several sections of the FRCA. 

Experian stated that these accounts were properly investigated and came back as verified and failed to provide information requested. however, how is this true when these accounts are fraudulent and FTC report and Identity theft report was mailed to them through certified mail?

605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required, ( 6 ) Notice of Results of Reinvestigation - ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called Gm Financial to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the third party company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that GM Financial had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report. 
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/XXXX XXXX
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 XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Mortgage

Dear XXXX, I'd like to report inappropriate business conduct from my mortgage company, specifically, a broker by the name of XXXX XXXX XXXX XXXX XXXX. The broker edited my banking statement without getting me or my bank 's authorization. I wasn't aware of this until the lending company sent us the loan refusal notice. You can tell by comparison of the bank statements ( see attachments ). The XXXX statement 's date was illegally tampered with by computer software or other means when compared to the XXXX statement. Even the banker 's signature is in the exact same spot as the other statement. When I questioned Mrs. XXXX ( broker ) about this, she didn't admit it. There was no one else who could possibly do this other than her or her team. My closing date was delayed due to this issue. I also had to extend my lease because of this. 

I was shocked, frustrated, and shaken by what I had experienced. How difficult was it to just ask for permission to get a new bank statement from the bank? How could a professional team do such unprofessional work? At this point, it is dishonesty and fraud. She displayed ignorance, cynicism, and uncivil attitudes throughout the whole process. Even with the forged bank statement, she displayed zero remorse or regret. I feel like I should report this, so others will not fall victim to her dishonest, fraudulent, unfair, and unethical conduct. 

Here is the information about the Mortgage Company : Name : XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX TX XXXX NMLS  ID : XXXX TX License ID : None Contact : XXXX XXXX Contact NMLS  ID : XXXX Contact TX License ID : None Email : XXXX Phone : ( XXXX ) XXXX