23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a XXXX XXXX around XXXX that was financed throughthrough Lobel Financial. Shortly after purchasing the vehicle it began to havemajor mechanical problems. I went back to the dealer who would not help me. 
My ex-husband took the vehicle to his mechanic without my knowledge. Thismechanic did work on the vehicle that cost more than what the vehicle wasworth and I did not authorize the work. I could not pay for this. I called Lobel financial and let them know whatwas going on. I gave them the information for the mechanic. They did n't want tohelp me either. They told me I was still responsible. I told them I could n't payfor a vehicle that I did n't have. I asked about lemon laws. No one would help me. 
I received several threatening phone calls from Lobel 's reps. They finally toldthat it would be charged off on my credit against me. Now XXXX years later, I goto purchase a vehicle and I am told that Lobel is showing XXXX days past due andthat this is effecting my credit rating. I have called Lobel and even gone into thebranch to try and get this resolved. They gave me the phone number to theirattorney ( XXXX ) XXXX who I have called and left messages for with no returncall. I do n't know what else to do.
Product: Mortgage

In XXXX I refinanced and during the process a silent XXXX mortgage was added to my mortgage without my knowledge..for yrs I was getting a payoff letter of XXXX amount but when I went to refinance last year I found out about the silent XXXX and was unable to refinance. I would have never agreed to this if would have known what was going on. Devastating ... this was never brought to light during my refinance process. And when I recently tried to refinance they were not helpful in resolving this. I'm not 100 % sure this is an XXXX be conventional..not sure.
Product: Credit card or prepaid card

I am a former XXXX XXXX with one of the largest financial software companies. 

I am Chase Sapphire Reserve and Chase MileagePlus Explorer credit card customer, and continue to be fully opted out on all Privacy Preferrences, i.e., Creditworthiness, Non-affiliates, Affiliates, and given we are located in California, Chase Companies and Chase Affiliate Companies. 

Chase Sapphire recently sent us an offer with Balance Transfer checks, preprinted with our names and addresses. This offer was sent from Mr. XXXX XXXX, General Manager, Chase Card Services. 

This is a Privacy violation in that : i ) we are fully opted out, and ii ) Balance Transfer checks are not suppressed in their opt-outs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX
Product: Debt collection

Midland Credit Management sued me for a credit card debt in XXXX XXXX XXXX Florida. I reached an agreement with the collection company to settle the debt for the amount of {$500.00}, which has been paid alreadyand on time according to the terms of the agreement, and according to the mentined agreement they were to remove the collection from my credit report or report it as paid. This has not happenned as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection was paid to the company. Not the collection company
Product: Credit reporting or other personal consumer reports

JPMCB CARD XXXX XXXX XXXX XXXX, DE XXXX Dates : XXXX XXXX XXXX XXXX There has been unauthorized and inaccurate INQUIRIES reporting on my credit file that I never requested and never applied for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported a debt I have no knowledge of.
Product: Credit reporting or other personal consumer reports

I've found errors on my credit report related to 15 USC 16c-2. There are inquiries that I did not authorize, and this inaccurate information is affecting my credit negatively. Kindly remove all unauthorized hard inquiries. Thank you!
Product: Mortgage

We submitted an offer of XXXX in XXXX 2015. After review, the loss mit specialist assigned, XXXX XXXX, advised that the net to investor had to be XXXX. The HUD was adjusted to accommodate this request and submitted to Lenderlive XXXX/XXXX/15. We were told the appraisal would expire and had to close by XXXX/XXXX/15, which we agreed to. We called, emailed, and tried to follow up through XXXX/XXXX/15 with no response. When we spoke to XXXX XXXX in mid XXXX she advised that XXXX was no longer the contact for this file. She said the file would be submitted to the investor for review and requested the appraisal expiration date be extended. Around XXXX XXXX we received a denial letter stating the net proceed to the investor should be {$190000.00}. We were told the appraised value according to the VA was XXXX. The XXXX have never received a copy of this appraisal, though requested. The investor is asking for a net amount more the the value of the property and more than the XXXX that we were told was the net amount the VA required based on the XXXX value.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The payment due on XXXX XXXX, which is automatically deducted out of my checking account was reversed due to insufficient funds unbeknownst to me. On XX/XX/year>, a replacement payment was automatically deducted from my checking account at the XXXX  days past due mark. A subsequent payment to bring the account current was made on XX/XX/year> once I had been made aware of the infraction. However, Gateway Mortgage still erroneously reported the XXXX payment over 30 days past due.
Product: Mortgage

I am trying to receive a letter from US Bank regarding the sale of my previous property as a short sale because I am in the process of purchasing a home. Also, I am trying to get my credit report corrected regarding this mortgage. I have been calling them daily for over a week. However, US Bank keeps denying me this info and their supervisors do not return calls as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no recollection of these charges. 

TransUnion criminal report. Court XXXX. XXXX XXXX Citation : XXXX. Date:XXXX Wrong name. Citation do not match with anything on my MVR. 

Court ID : XXXX. XXXX XXXX Citation :  XXXX. Date : XXXX. 
Wrong name. Citation do not match MVR.
Product: Credit reporting or other personal consumer reports

This is to follow up in regards of the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open accounts and request corrections. Follow-up communication was initiated to inquire about the status of the correction process. Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays.Please help correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have previously sent you a request to validate my debt, for the following account numbers, on XX/XX/2021, XX/XX/2021, XX/XX/2021 : Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XX/XX/2021, XX/XX/2021 and XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB needs to hold credit bureaus responsible for unfair business practices. 

All three major credit bureaus engage in the same inefficient unfair business practices antiquated business practices. The government permits each of these companies to offer a myriad of complicated sophisticated unclear service is selling customer information to them while at the same time does not hold that the company is responsible for engaging in XXXX, Equifax and XXXX  all engage in the same deceitful and unfair business practices and CFPB refuses to enforce. I have recordings with the organizations, but nowhere to send them. 

Equifax has an hour long process for authenticating a person, and then they ask the same questions once they finally get in the phone. If there is an issue authenticating a person, they refuse to help, and have no backup procedures for authenticating someone. Even though I enter the correct Social Security number in their telephone system, I was asked questions about accounts which were not even mine. 

XXXX  had a web page where one can log into 4 different sites. How is a customer supposed to know which one is best? Why does the company offer multiple avenues for submitting disputes each of which have different constraints. Its just confusing. I open disputes and I am constrained through their web application in major ways. For example it only looks the customer to provide details up to a certain number of characters, some arbitrarily low number of characters like 123 characters? Its ridiculous. I called and spent hours on the phone with them. They indicated I could update information about ongoing investigation by providing them documentation, but that was a lie ; they refused to provide a fax number. They refused to provide an email address. They indicate I could login and upload documents, but thats a lie too. The web application that they provide for disputing credit information forces the users into categories which do not address all Reasons for investigations. There are circumstances when companies There are circumstances when companies Our erroneously Reporting Information, and I have explicitly requested details about why or how the company holds its reported information to be valid. The company refuses to provide that information, and the credit bureaus refuse to require them to provide information. All they simply do is say the information is been validated. They dont send copies of the information that they sent to the company they dont provide copies of the information and the company sent back to them they simply hold that the information is been validated. They make a mess statements of fact in the phone calls such as were not required to investigate. 

You all need to hold these companies accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish account without my written instructions.
Product: Student loan

I have asked MOHELA several times why certain periods of deferment/forbearance are not counting toward my PSLF forgiveness count. MOHELA is saying I am 8 payments short of forgiveness, but I have submitted employment certification ( which they have approved ) for the following dates that are not being counted. The missing months are XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  through XX/XX/XXXX. That is nearly 30 payment periods when I was certified working in public service they are not counting even though the rules of of the PSLF waiver which I applied for. I can not get an answer from then on why these payments are not counting. I need an answer.
Product: Vehicle loan or lease

I was looking at Date reported on my TransUnion credit report and it was reported that I had a late payment. Which is not true because at the same time and date it was reported on my XXXX and XXXX report that all payment were made on time. I expressed the issue with TransUnion and they failed to resolved the problem after TransUnion investigation. This issue is affecting my credit score and affect my ability to apply for mortgage or loan. I am almost homeless because this. Looking at my payment history I made a 2 year payment history without missing a month. Somehow only TransUnion is the only bureau that believed that I was not capable on paying my car loan on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect information on my credit report on XXXX different creditors trade lines. I have tried multiple times to submit a dispute online on their website but it keeps giving me a message that says " We are currently unable to process your request!. The information you have provided does not match our records ; therefore we are unable to process your request online '' I have tried multiple times to call Equifax but have held for as long as XXXX hour without getting anybody on the phone. I assume this is because of the high volume of calls that they are receiving due to their security breach. Out of the XXXX major credit bureaus, Equifax is the only XXXX that is reporting this information incorrectly. I am extremely frustrated that I have been unable to resolve this and need your assistance as consumers should not have to get this type of runaround when trying to get something on their credit report resolved.
Product: Checking or savings account

Dear Members CFPB! 
I was terribly cheated by Wells FargoBranch Manager XXXX XXXX ( ID XXXX ) in XXXX XXXX XXXX when I opened my account in Wells Fargo. I was informed that I will be abble to manage my account from XXXX XXXX, but it is impossible. My story with WF bank has been continued for 10 years with a lot problem. And every time I solved my problem only with your help and protection. And I really appreciate it. WF definitly refuse help me without your intervention. Please, can you see my previous complaints to WF and you will understand what I went through during these ten years. Please help me to take my money back and close my account. It is only XXXX XXXX XXXXXXXX XXXX but it is a lot for poor XXXX from XXXX. My account and personal bank account access was blocked again and I was recomended to vizit WF branch in US. I live in XXXX and can not fly to US. Perhaps my problems are related to the fact that I am XXXX and the bank is XXXX I dont know... 
Help me please again!!! 
Yours sincerely XXXX XXXX XXXX, XXXX XXXX XXXX mobile account number XXXX
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, financial institutions are prohibited from disclosing your non-public information to third-party entities. Credit bureaus fall under this category as third-party entities, as do debt collectors. I kindly request the removal of the following information from my credit report, as it does not belong to me. Should the credit agency conduct an investigation, I would like to receive evidence confirming that this account is indeed mine. 


XXXXXXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Unsecured XX/XX/XXXX Closed Account charged off. {$2800.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 66 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1700.00} {$5000.00} 8 Months Individual
Product: Debt collection

Good evening! I have been disputing with PRA since XX/XX/2019 and I have requested every time a copy of the original signed consumer contract, which yet after 8 months PRA still can not provide this physical proof to me! I do not understand how this is so difficult! This alleged debt is not mine. I am asking you to stop mailing me the same copies of statements and no proof of the original signed consumer contract. Those could be any bodies statements. Again I am requesting the original signed consumer contract or cease your collections attempts. I have done my research and these type of tactics seem to be frequent and common with PRA! If you are going to purchase debt you should make sure the debt is in fact the persons you are trying to collect from!
Product: Credit card

See attached letter of XXXX/XXXX/15 from me to Bank of America for more detail. On XXXX/XXXX/15 I answered an internet ad for a sample of a product that was advertised as free except for a shipping charge of {$5.00}. I provided my XXXX card number for this charge ; but, when I received the credit card monthly statement there were charges for not only {$5.00} but another charge for {$1.00}, also supposed " shipping '' as well as XXXX products charged at {$89.00} and {$85.00}, totaling {$170.00}, which total later somehow became {$230.00}. I immediately telephoned XXXX card member services, and the agent said these charges would be placed in dispute and credited to my account. The next billing statement still showed the disputed charges as {$180.00}. I called XXXX again on XXXX and was told that this amount would be credited and a check would be issued to me for {$53.00}, supposedly for an additional credit, and that the account balance was then XXXX. However, I then received a letter from Bank of America dated XXXX saying that the vendor did not agree to this and requested " documentation '' from me such as a " date you canceled with merchant, '' " their response, '' " proof, '' " date merchandise returned, '' etc. Bank also required me to sign and return their letter if I still disputed these charges, and I did so. Bank 's letter and my response were faxed to them on XXXX/XXXX/15. Then in a letter with postal date of XXXX/XXXX/15 Bank of America said that the vendor of the second item disputed the credit to my account and requested the same type of information and return of Bank 's letter by XXXX/XXXX/15 indicating whether I still disputed the second charge. I intend to do so and continue to dispute the charges, providing the same response that I provided on XXXX/XXXX/15. I have complied with XXXX/Bank of America 's requests in addition to contacting the so-called merchants about these disputed charges. Today I tried to research the merchant and could not reach their XXXX XXXX office by telephone. The person answering the number I telephoned merely transferred me to a line that provided for only a recorded message. It 's apparent to me that the so-called merchant ( s ) are merely fraudulent scam artists and that Bank of America is aiding and abetting their scam. This constitutes harassment, and I request your help to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters each to XXXX and TransUnion to correct and remove misspellings of my name and incorrect names reported. Ive attached my letters as well as the credit report showing what is incorrect. I have sent letters in XX/XX/2021 and XX/XX/2021, and have yet to receive any notification of an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife and I entered into a mortgage in XXXX, with XXXX XXXX XXXX to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with XXXX XXXX  since the time of my divorce in XXXX or XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to XXXX. I called XXXX back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with XXXX which I did. A copy of my letter to XXXX XXXX XXXX dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing XXXX mortgage from my credit report is greatly appreciated. 
Thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my deep concerns regarding XXXX mishandling of disputes and fraud in light of the recent CFPB lawsuit demonstrating significant and systemic issues with their platform and practices. Despite using Zelle countless times and reporting discrepancies, my financial institution and Zelle have failed to launch an adequate investigation and accountability pertaining to my claims. I was informed by Zelle that any recovery of lost funds as well as tracking down these transactions would be impossible. The CFPBs findings indicate that Zelle was not only neglectful in protecting consumers but systematically XXXX  in allowing repeat offenders to exploit their platform which consequently left consumers vulnerable to scams, fraud, and exploitation. The lack of accountability, transparency, and action on behalf of Zelle is frankly shameful and blatantly unacceptable. Zelle raises serious concerns for consumer safety that must be addressed.
Product: Credit reporting or other personal consumer reports

I am requesting a security freeze on my credit report due to concerns about identity theft. Recently, I became aware that my personal information may have been compromised, and I want to prevent unauthorized parties from accessing or using my credit information.