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

I was approved for a XXXX XXXX XXXX on XX/XX/XXXX with Carvana, with a deposit of {$2100.00} and a shipping fee of {$1700.00}. The funds were withdrawn from my account on XX/XX/XXXX, and I received an email stating that the vehicle would be delivered on XX/XX/XXXX between XXXX XXXX XXXX  XXXX XXXX XXXXXXXX. I received an approval email from Carvana on XX/XX/XXXX, as well as tracking updates for the vehicle on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, advising that the vehicle is en route and that I should have the necessary driver 's license and insurance documents ready at the drop-off. 

However, on XX/XX/XXXX, I received an email requesting that I upload my phone bill, which I promptly did. On the delivery date, XX/XX/XXXX, at XXXX XXXX, I received an email requiring me to upload 2 years of tax statements and 6 months of bank statements by XXXX XXXX. Unfortunately, I woke up after the deadline, and the delivery was subsequently canceled. I called Carvana and informed them that I did not have tax documents for one of the years requested. I was advised they would not deliver the vehicle without these documents. Furthermore, Carvana denied a refund of the shipping fees, even though I was not made aware I would need these documents until the day of delivery. Carvana left me with no options to make an informed decision before withdrawing funds from my account. They have only refunded the down payment, not the shipping cost.
Product: Credit reporting or other personal consumer reports

I am not liable for a debt with the XXXX XXXX XXXX XXXX I have no contract with XXXX XXXX XXXX and thus it is illegal for them to be reporting on my credit report wrong, fraudulent and incorrect information on my credit report, It is a violation of the Fair Credit Reporting Act for an entity to report information on my credit report when I don't have a signed contract with XXXX to do so. I never did not even one course or assignment with the XXXX XXXX XXXX XXXX but yet I am been told that I owe XXXX {$2200.00}. I have asked XXXX to provide documentation that I did an assignment with the grades assigned and they are unable to provide the information requested as I never did any assignment or courses with them and so if I didn't do any courses or assignments with XXXX then why am I being asked to pay {$2200.00} to an agency that I didn't sign a contract with? I also filed an identity theft report as I don't owe XXXX any money.
Product: Money transfer, virtual currency, or money service

I was victim of a scam through XXXX, my bank is Wells Fargo and I purchase XXXX  through XXXX, it started with a Text message from someone saying it would teach me how to invest but it was all a scam l, my complain is that neither Wells Fargo or XXXX didnt know how to block the transactions. I lost all my life savings XXXX XXXX dollars. Please help
Product: Mortgage

I submitted a loan modification with XXXX XXXX XXXX through a lawyer and a specialist in modifications. Multiple meetings and all paper work was submitted and a final meeting with XXXX XXXX XXXX was held to approve the loan modification, and which was attended by a lawyer where XXXX stated the modification would go through. A few weeks later, XXXX had " sold '' the loan to Nationstar. Nationstar subsequently informed us that they do not modifications and moved to foreclosure on our house. We filed Chapter XXXX to stop the sale as soon as possible given the fact Nationstar suddenly moved against us, and filed a judgement against us and 100,000s of dollars of fees - this is after XXXX had already agreed to loan modification. In Chap XXXX, we have paid and agreed amount to a trustee which Nationstar has cashed. Nationstar has stated on the record that they are not allowed to do modifications. That is completely false, as Nationstar is required according to the agreement as filed with the SEC to continue any pending modifications. They have stated again that the " investor does not allow modifications. '' In discovery, Nationstar submitted the MSA " proving '' their case, regardless of the case that the sale of mortgages from XXXX to Nationstar required modifications. The MSA they cite as evidence ONLY states that modifications are not allowed according to Remic rules. But Remic rules DO NOT prevent modifications. 

Nationstar has completely falsified and lied about the situation and they are lying that are not allowed to do modifications.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on ( date you received the letter from TransUnion ) that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Product: Debt collection

I have a loan with One Main Financial. I had a payment that became due near the end of XX/XX/XXXX, which Im not disputing. What has become stressful is the repeated number of calls I get per day on a debt that is not even 15 days past due. Im not sure if they are considered a debt collector as defined by the FDCPA, but most companies follow the spirit of the FDCPA even if they arent considered true debt collectors. Over the past 3 days ( XX/XX/18 - XX/XX/18 ), Ive received no fewer than 15 phone calls from this institution and at least 4 different voice mails. And although I cant be 100 % sure, Im fairly certain that they are calling me from numbers not associated with the organization, like a personal cell phone or similar. 

I understand that credit institutions have an obligation and a right to contact borrowers when a debt is owed, however the call tactics from One Main is nothing short of harrassment. So much so that I have been researching possible legal options, including class action alternatives. And thats typically not my style. 

Im not asking for anything except some reasonableness when it comes to their call campaigns.
Product: Debt collection

I have been notified that I have a delinquent charge from a company called XXXX XXXX XXXX for {$850.00}. I was notified on XXXX by email from a collection agency, Southwest Recovery Services, whom presumably bought the debt and is trying to collect. On the same date as this notification email, the open debt collection was reported to the XXXX credit bureaus. This has negatively affected my credit standing. 
I have no record of this charge, or invoice so I immediately tried to make contact with both parties involved to find out what the charge was for. I spoke to someone at Southwest Recovery Services that could not give that information, only the phone number of the original company, XXXX XXXX XXXX. I got a name from the person I was speaking to, only to later try to contact her and find that no such person works there. I contacted XXXX XXXX XXXX and after asking for the information, was hung up on. 
This is all very suspicious, since I have never done business with XXXX XXXX XXXX. I have no record of the debt and knew nothing about it for the years it was supposedly owed. I was only looking for a confirmation of the charges in an invoice, or some kind of paperwork. I believe that I am owed proof that I woe the debt.
Product: Credit reporting or other personal consumer reports

XXXX I received results from XXXX as accurate from my dispute filed on XX/XX/ requesting deletion of Bankruptcy on my XXXX credit report. XXXX stated that the furnisher verified the Bankrupcy, however Lexis Nexis has no record of a Bankruptcy on my consumer report. In addition, XXXX has listed on my credit report that the US Bankrupcy Court of XXXX Furnished the information. There is no such court with the name of " Bankrupcy Court of XXXX '' that exist with the address listed on my credit report and XXXX has lied and violated my consumer rights. The United States Bankrupcy court with the address listed on my XXXX credit repory was contacted by me and their response is in the attached letter. It is clear in the response attached that they do not report to XXXX or any other credit reporting agency, therefore XXXX 's response is a lie. These reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the Bankrupcy must be deleted immediately.
Product: Credit reporting or other personal consumer reports

Tonight, I was completely taken aback when I saw inaccurate accounts on my credit report, and I have no clue how this happened. I routinely check my credit report, and everything was normal until today when these discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but the inaccuracies didnt go away. Because of this, I'm asking for a thorough review of the documents I've sent so I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Credit Bureau Name [ Address of the Credit Bureau ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information contained in my credit report. Below are the accounts in question, which are showing as closed or charged off, and I believe they were either reported inaccurately or unfairly. 

Accounts to Be Investigated : XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reported Issue : Incorrect reporting of closed account with an inaccurate balance and past due status. 
XXXX. Account Name : SelfInc/Lead Account Number : XXXX Reported Issue : Incorrect reporting of closed account and write-off with discrepancies in the details provided. 

I request that you conduct an investigation of these accounts as required under the Fair Credit Reporting Act ( FCRA ). If you find that the information can not be verified, I request that these accounts be promptly removed from my credit report or corrected accordingly. 

Please find attached copies of my credit report highlighting the accounts in question for your reference. Additionally, I am including any supporting documentation that might assist with this investigation. 

I appreciate your prompt attention to this matter and look forward to your response. Please inform me of the outcome of your investigation within the timeframe specified by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have been trying to get help from Select Portforlio 's loss mitigation department unsuccessfully. I fell behind on my mortgage payments and requested a loan modification or any useful method to avoid foreclosure. Unfortunately, SPS has not reviewed my updated loan modification request without bias.
Product: Checking or savings account

In XX/XX/XXXXmy wife and I obtained a divorce. I have three accounts with XXXX XXXX XXXX ( Personal Account - XXXX  ( jointly with wife ) ; XXXX XXXX Account -  XXXX  ( wife not on account ) and XXXX XXXX XXXX   Account - XXXX ( wife not on account ). In XX/XX/XXXX, I had my ex-wife removed from my Personal account. Because my ex-wife had on-line access to all of my accounts, she was able to make unauthorized on-line withdrawals from all three of my accounts to pay for her XXXX Credit Card ( XXXX XXXX ). XXXX XXXX XXXX  in XX/XX/XXXX processed a withdrawal for XXXX XXXX   in the amount of {$15000.00} and on the next day XXXX XXXX XXXX reversed the unauthorized on-line withdrawal for the same amount because my ex-wife had been removed from my Personal Account - XXXX. Then in XX/XX/XXXX andXX/XX/XXXX, XXXX XXXX XXXX processed unauthorized bank withdrawals to XXXX XXXX  in the amount of {$15000.00} from Account XXXX. From XX/XX/XXXX toXX/XX/XXXX XXXX XXXX XXXX  allowed unauthorized withdrawals to XXXX XXXX in the amount of {$310000.00} from my XXXX XXXX  Account - XXXX
Product: Credit card or prepaid card

I bought this XXXX  XXXX loaded it with {$100.00} to use for my friend that's in jail. So I logged in to the account there with this card and I made two payments {$5.00} at a time well I got a thing email telling me that I need to add more money so after looking at the history on the card there's a bunch of charges on it. well un authorized. I called probably hadn't been 10 days since they happen and I sent them what they wanted three days later I get a XXXX. XXXX Credit in my account but the {$82.00} wasn't and so they tell me they made their decision I can't dispute it I can't do anything about it what they say is final I tell him I want what proof I hear different stories no one will give me proof they keep sending me in circles and now a little bit of money I had on their {$2.00} they won't give it to me that got my card. Who I am I've proved who I am when I got the card I'm not going to do it now and I'm not giving me my money I don't trust them will you please help me I'm on XXXX and I can't afford to lose my money and they won't let me talk to you tonight I can't do anything my hands are tied to tell me they don't have to give me my money back it's their decision but they gave me the dollar XXXX that was something that was done online but the store charges the girl said there was a pen used soap in been used there's a lot you know how somebody got it since I just got that card and nobody knew what my pain would be I didn't use the same one I used with anything else and one store I went to and there wasn't they told me they gave me the receipt to it it was raining as credit I want my money please help me or tell me where I need to go these people should be investigated this company
Product: Debt collection

I bought a manufactured home in XX/XX/XXXX. It was financed byGreen tree finance Co. address is XXXX XXXX, XXXX. 
XXXX XXXX , XXXX. XXXX, XXXX I filed Chapter XXXX bankruptcy on XXXX home was exempt from them ever trying to collect this debt. I thought. I kept the payments to date until XX/XX/XXXX, my wifediedsuddenly in the living room. After that I could n't live there any more. 
The Co started calling me on XX/XX/XXXX, that has been going on now for 14 years and they have had a derogatory report on my credit file for 14 years. I lived in this home in XXXX, and lived in it in XXXX. 
I have tried to talk to them about this account a few years ago and I was told that this will stay on my credit report until some time inXX/XX/XXXX.I have a paper the Federal court Judge stating that they ca n't ever try to collect on this debt or call me Can you please help me get this resolved. Thank you,
Product: Credit reporting or other personal consumer reports

I contacted the companies to inform them that they are reporting inaccurate on my consumer report and ask them to remove the accounts from all my consumer reports. They have failed to verify these accounts within the 30 days time frame that the FCRA. Please have them delete all these accounts I have listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account got closed in XX/XX/year>. I sent XXXX emails to the executives but I didn't get a response from them for about a month, I tried to ask them why my account was closed even though I didn't do anything suspicious or violate anything and I never received any complaints from anyone. I was just continuing what I was doing for a year : play online games or do trade in the game with friends/acquaintances. This is not a business or something just a casual thing I do to support myself while I XXXX But they just told me that their decision to close my accounts is final and they won't explain why.
Product: Debt collection

1. XXXX billed at a higher rate than quoted during the sales calls. Month after month telling me it would be fixed, giving me one reference # after another. 2. XXXX 5 year price lock, was a lie. Their bill increased around 45 % in just over a year. 3. ( Please see Arizona Attorney General v XXXX XX/XX/2016 ). Some of the XXXX the Arizona XXXX believes violated the Arizona Consumer Fraud Act, happened to me from XXXX in Arizona. After two other collection agencies backed off from this collection, Stellar Recovery Inc . Proceeded to damage my spotless credit. It was very clear with the information I gave them, this was not a good bill. they should have declined, like the other XXXX agencies did. They damaged my credit, causing XXXX company not to do business with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the presence of inaccurate and erroneous accounts on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. Specifically, the accounts I am disputing are : XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX Balance Owed : {$160.00}. The information contained within these accounts is inaccurate and does not reflect my credit history accurately. I request that you investigate this matter and correct any inaccuracies found. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Debt collection

Called outside of the XXXX and XXXX Threatened jail and warrants for my arrest regarding debt Discussed details of my account with others ( that were listed on loan application ) without my authorization Discussed details of my account with others ( that were not associated with me or listed on my loan application ) Left threatening details on voicemail with contacts on my loan application
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX  XXXX Balance Owed : {$48000.00} ;
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I notified Capital One that I was in a car accident in XXXX of XXXX. I told them that I would need to freeze, cancel or stop my card because I had no way of making any future payments, because I was now out of work indefinitely. Capital One one told me that I could NOT do any of those requests. I had a very small limit, so I was not adding any purchases. The Fees that generated over months are what caused the card to max me out and over my limit. I reached out to Capital One again, as I noticed the monthly service fees kept rising from {$25.00} to over {$100.00} a month. I literally begged them to stop billing me. I advised them on how they were purposely hurting my credit because I had asked to be removed after my accident occurred. I reminded them that I was out of work due to my medical restrictions from this accident. My credit has dropped well over XXXX points due to their reporting. Capital One told me again, I didn't have any options except to wait until it was charged off. I think this is outrageous! Instead of assisting me Capital One took advantage of my situation.
Product: Debt collection

I paid my medical bill and capital accounts lie to XXXX and theyre still keeping this account on my file, harming my credit. I want it removed I do not owe the money and it is a very old account and I paid the money!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Against Equifax for Credit Reporting Issues Dear CFPB, I am writing to formally express my concerns regarding the ongoing issues I have experienced with Equifax, which I believe have negatively impacted my creditworthiness and character. 

Despite my efforts to address positive accounts in my credit report, Equifax has continued to misuse my credit report by removing a positive account that I've had over a year. This misreporting has resulted in significant consequences, including the denial of credit applications and increased interest rates, which have placed undue stress on my financial situation. 

I have attempted to resolve this issue by contacting Equifax directly, but my concerns have not been adequately addressed. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. I've also filed an FTC report Equifax did not have my written consent to access my credit report. 

I kindly request your assistance in investigating this matter and taking appropriate action against Equifax for their failure to comply with federal regulations. I am hopeful that your intervention will restore my credit reputation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, CFPB THIS IS THE 2ND TIME EQUIFAX HAS DELETED A POSITIVE ACCOUNT FROM MY CREDIT REPORT ALSO IM ATTACHING AN FTC REPORT MISUSE OF MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT AS WELL AS SCREENSHOTS WHERE THEY DELETED IT ON XX/XX/2024. IM ALSO SENDING THIS TO EQUIFAX 'S LEGAL DEPARTMENT AS WELL
Product: Checking or savings account

When I opened account, I was promised a bonus of {$2500.00} after I transfer assets of {$250000.00}. I fulfilled all required and timeframe to bonus post was over. Bank couldn't find a record of this promotion and refused to honor this. 
Thank you, XXXX XXXX