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

On XX/XX/XXXX, I contacted XXXX XXXX  concerning a XXXX XXXX  XXXX advertised on their website and spoke to a sales agent by the name of XXXX  XXXX in which I informed him I would like to trade in my existing lease ( XXXX XXXX XXXX ) in for a XXXX XXXX  XXXX. During the initial discussion, I inform XXXX  I was already approved with XXXX XXXX with no money down and they would accept the trade in and send me off in the new XXXX  waiving any other fees thanks to promotions sent to me and my wife to continue our relationship with Nissan. XXXX  confirmed all Nissan  promotions offer thru XXXX would also be honored @ XXXX. Currently this would make me and my wife 4th lease, so we are completely aware of how this should go at this point. However, currently I am being billed for the previous XXXX  indicating a balance of {$800.00} after leasing the new XXXX XXXX XXXX. At this point, Im being put in the middle of Nissan Motor acceptance Corporation and XXXX XXXX  each blaming the other. Nissan corporation XXXX XXXX entered the new lease incorrectly not showing it as a trade in or apply any of the promotions discussed. XXXX XXXX says they had no way of knowing the remaining balance on the lease but only received information from Nissan corporation that 2 months were remaining. I even put {$1000.00} down to which Nissan Corporation states not seeing the check sent to them concerning the car. Please assist with waiving the remaining balance as I have a new lease and shouldnt have accrued any penalties due to the trade in due to special promotions via mail ( which also still is coming to me as well XXXX.
Product: Credit reporting or other personal consumer reports

There are multiple old address on my credit profile that are not mines. I communicated and wrote these credit bureaus such as experience XXXX and transfusion. I have gotten no response and these credit bureau have not complied with my request. These old in accurate information are hurting me and my family situation And lifestyle due to identify theft Im currently going thru
Product: Vehicle loan or lease

Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report . 

Please verify or remove immediately the following accounts : Jefferson Capital Llc XXXX  XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

UPON OPENING MY CREDIT REPORT I REALIZED THAT THERE WERE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CREDIT REPORT. 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 XXXX XXXX XXXX XXXXXXXX ) XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I have submitted two dispute letters one on XX/XX/XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. On those disputes, I listed the following accounts and reasons for disputes ; The following account is not mine and has never belonged to me : XXXX XXXX XXXX Opened on XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following account is not mine and has never belonged to me : XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX Please remove it from my credit report. 

The following account is not mine and has never belonged to me : XXXX  account Opened on XX/XX/XXXX and a balance of {$690.00}. 
Please remove it from my credit report.
Product: Mortgage

We had a mortgage loan with Wells Fargo beginning on XX/XX/XXXX in the amount of {$140000.00}. The loan was assumed on XX/XX/XXXX and Wells Fargo records show that the payoff amount was {$140000.00}. A Qualified Written Request was sent to Wells Fargo on XX/XX/XXXX asking for the amount of the mortgage at the time it was assumed, the name of the company assuming the loan and the amount held in escrow. The name of the company assuming/paying off the loan was not provided in their response of XX/XX/XXXX nor the amount of the mortgage. 

I received a letter from XXXX in XX/XX/XXXX stating that the are now servicing the loan. 
Recently I had my financial advisor, my father look at the transactions and he discovered that XXXX had inflated the loan upon assuming it from the amount due of {$140000.00} to {$140000.00} AN INCREASE OF {$7000.00}. This was hidden from us and attempts to get Wells Fargo to provide information re company assuming the loan and the amount of the mortgage at the time it occurred has fallen on " deaf ears ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB I was informed by my attorney that I could file a complaint on this site before taking action regarding FCRA and FDCPA violations against LVNV Funding and XXXX XXXX. I have the same issue with these two companies. First off, they are both harassing me regarding an alleged debt. I've been getting disturbing calls and its causing me so much stress. Second, I have tried disputing information on my credit report. They are reporting different dates across all 3 of my credit reports, such as date opened, date last active. Also the balance does not match the amount of the alleged debt they are trying to collect from me. I am tired of disputing these accounts, this is why I am reaching out to you because they claim to update the incorrect information on my reports but nothing has been fixed or deleted. This has been going on since XX/XX/2022 and I need your help to resolve this issue. Please reach out to these companies. I tried but they will not work with me in resolving # 1 the harassment # 2 the inaccuracies on my report. I also checked to see if they are licensed to collect in California and it doesn't seem like they are legally collecting here. Can you also investigate this for me? I do not owe this company any money. I have asked for verification with my signature and they have not provided anything that I am asking for. I hope to here from you soon. Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Southwest Credit Systems XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Account Number : XXXX Dear Southwest Credit Systems, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state.

3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.

4. A complete payment history, detailing all payments made and any credits applied to the account.

5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt.

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter.

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experiencing a sudden plummet of XXXX XXXX  in my credit score this month due to a reported late payments has left me deeply concerned. It's baffling to encounter such a significant drop, especially when I've diligently managed my finances. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically the 15 USC 1681 section, I firmly believe that there shouldn't be any unwarranted damages on my credit report. It's imperative for me to take immediate action to address this issue, meticulously examining my credit report for inaccuracies and initiating the necessary steps to dispute the erroneous entry. Restoring the integrity of my credit profile is paramount to safeguarding my financial stability and future opportunities.
Product: Mortgage

Back in XXXX, i purchased a house, the lender was country wide mortgage only at closing did i found out my interest rate was 12 % adjustable note. After about a year later i got a letter informing that Select Portfolio servicing had taken over my loan. I have struggling so hard to keep my home or sale it to get the equity out of it for my senior years. I put {$50000.00} down on this house. Back in XXXX, a company identified Select as a predatory lender and got 4 years without paying any notes. In XXXX they came back with a vengerence my notes was {$1200.00} a month and every year it kept getting higher and higher. I tried to refinance during this time but they had a very negative report on my credit report so i could not get it refinance. I been during everything i could to hold on to my house. Back in XXXX they tricked me into a modification loan which almost doubled the amount of the loan. All these years none of my money went to the capital just interest. Back in XXXX a class action suit was filed against countrywide mortgage for charging XXXX XXXX higher interest rate on their homes. i am one of those people. I called them, they said that was for Florida residence, but that did not stop them for using predatory tactics with me all these years. They are once again threatening forclosure, sale date XXXX XXXX XXXX which they have changed several times on me. They offered me another modification, {$950.00} for three months after that they will set a new amount. I am on Social Security. I get {$1300.00} a month I do not want to lose my equity, so I sent in the first payment for XXXX XXXX, XXXX. They have a predatory lender from day 1 of my loan. I need help. I think i need to be compensated for all these predatory lending practices. XXXX XXXX are the private investors on this loan. After many lies from them, I finally talked with them. They said the only way to get my home is to do the modification for the next 40 years. I would be with them for al total of 60 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named XXXX XXXX XXXX is reporting an active account on my credit report that is currently reporting delinquent, and damaging my credit rating. This account does not belong to me, and I have never done business with this company. I have contested the account at the credit bureaus three times, but the credit bureaus continue to falsely verify the account belongs to me. I've even contacted XXXX XXXX XXXX directly, and they confirm that they do not have my name in their system, and have no record that I have an account with them. Despite all of this, this delinquent account that does not even belong to me, remains on my credit report and continues to hurt my credit scores.
Product: Vehicle loan or lease

Company name : BRIDGECREST FORMERLY XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Case Date Opened XX/XX/2017 Case Date Closed XX/XX/2017 I purchased a vehicle from XXXX and was in a serious accident, the vehicle was totaled. I had full coverage insurance on the vehicle and therefore, XXXX  was paid in full by my car insurance. 

Bridgecrest remarks that the car was " PAID THROUGH INSURANCE '' Bridgecrest notes the Pay status is " Account paid in Full ; was a Charge-off '' I disagree that this is a charge-off since the the account was paid in full by my insurance and shows a balance of {$0.00} and a monthly payment of {$0.00}.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I have been trying for over a year to gain access to my Coinbase account to no avail. 

I went through their identity verification process and it keeps telling me that they are unable to verify my identity. This is after I have submitted my passport and my driver 's license LITERALLY XXXX times to date! They do not have a portal for me to provide my marriage certificate to show my name change. 

I got married and added my husband 's last name to mine. I went from XXXX, XXXX to XXXX, XXXX XXXX. NOTHING else has changed : same face, same hair style, same social security number, same phone number even the same address on my license. 

They also never answer the phone and the one time that I did speak to a human being we got disconnected. Prior to us getting disconnected the Coinbase agent told me that he could not understand why the verification was not going through, and he said he would escalate my claim to a supervisor and as I was asking the final question of when I could expect a phone call back that is when we got disconnected and I've never heard from anyone since that time and that was months ago. 

I also have received countless emails from Coinbase telling me the status of the currencies that I am invested in. Yet, I was STILL never able to gain access my account. 

I have watched the Currencies that I am invested in go up significantly and I was unable to take profit because I could not gain access even after following their inadequate and inefficient Identity verification process almost 100 times to date. 

Then, I watched the same currencies. go down in value and I lost the profit that I had gained.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by [ Transunion ]. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/2024 ], I submitted a dispute to [ Transunion ] regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Prepaid card

On XX/XX/scrub>XXXX  CASH APP authorized a charge from XXXX that has been cancelled 3 times yet is still being billed. I misplaced my cashapp card reported it lost and ordered a replacement. Received notification my replacement is on its way and was still charged as though it was an ACH payment entered via Account and XXXX which it was not. The last 4 digits of the card are shown as what was charged. 

They are refusing to refund the fee and stating they are allowed to process a charge this through a card that has been cancelled and stating it was the new card charged but I do not have that card to update any payment information with
Product: Debt collection

XX/XX/year> called and spoke with representative notifying them the debt is a XXXX  XXXX XXXX claim. I provided them with contact info including claims analyst name and number. Also, XXXX XXXX XXXX claim number. 

Have not received any more information and it is still being reported to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before you attempt to read this message I want to let you know that this isn’t a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS: XXXX, XXXX XXXX  & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and you’ve violated my rights as human being and I’m forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that you’ve caused stress and more to my life than you ever can imagine. I will be filing a lawsuit very soon and will be looking to be compensated an amount of $XXXX for all the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information to my disputes to all the credit agencies and they have yet to send me back the proper information from the investigations.
Product: Student loan

XXXX XXXX took over my loans in XXXX, and I have completed all required forms for the XXXX XXXX loan forgiveness program, as well as paid under the income based repayment plan. Im XXXX of XXXX I requested that my account accurately reflect all payments made towards the XXXX payments, which would include all payments made from prior lenders as well. There are XXXX payments under review, despite having been made under the above stated terms with other lenders, prior to being absorbed by XXXX XXXX. My forgiveness date is therefore 18 months behind, and while that may not seem like to many, thats a lot of money I paid on a XXXX XXXX  salary without acknowledgment. Id like my account to be up to date. I have kept my promise to make payments on time and under the proper plan that allows for loan forgiveness so I ask they do the same. The payments made prior to XXXX XXXX taking over counted and should have translated at the time the Loans were bought by their company. They will not give me copies of my email requests or copies of the payments under review.