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

I got into a car accident and had to get a car but I have stage XXXX XXXX and was XXXX XXXX XXXX XXXX. My credit score was poor but I had {$3000.00} to put down. They got me a loan through credit acceptance and I really needed a car but now I see how high the interest rates are and they didnt do my automatic payment once and I called and they charged me a fee for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, Original creditor : XXXX XXXX Bank XXXX # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out. The following Inquiries need to be removed immediately as XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXXXXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX
Product: Debt collection

The Date was XX/XX/2019 XXXX XXXX XXXX XXXX in XXXX XXXX Ca XXXX was it was a {$400.00} dispute and the company was not suppose to charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$10000.00}
Product: Debt collection

ARS National Services Inc Send me a collection about a debt trying to collect. Which I do not recognize the account and have no previous knowledge of it. This agency is in violation of 15 USC 1692g and 15 USc 1681, and the fair credit reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) : consumer report so let me explain. Under the truth in Lending Act USC 1602 ( g ), " credit card '' is definitely Following : This makes your social security card, drivers license, ID and license plate. ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), term '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term of " credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. For the extension of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 The Credit bureaus stated XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX and XXXX XXXX account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX 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 have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on XXXX bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on XXXX different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the Experian XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX ga courts for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know chime open XX/XX/XXXX. The same month chime open and I taken my conviction in XXXX XXXX XXXX not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX MI trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX Ga I been having a hard time opening cd accounts brokerage trade account and etcs
Product: Mortgage

After numerous attempts to modify my loan I was turned down by Wells Fargo in XXXX. My last alternative is to short sale the home which they are blocking me and denying my ability to short sale the home. I received a phone call from XXXX XXXX this morning XXXX saying that the reason given for the short sale denial is given my past denials for loan modification? Additionally she stated that the senior vice president of wells fargo stated on XXXX not to approve me for a short sale. 

Previously, 3 times Wells Fargo had placed my loan in a short sale without my knowledge. No timeframes no notices were given to me and when I called to find out what was going on, they said the time was up. I then proceeded to request the notification which is mandatory that my loan was in a short sale, from Wells Fargo. They could not produce the letter. moreover I was speaking with the collections department who was masquerading as the short sale department and hung up after I was on hold for an hour. I reported this behavior to XXXX XXXX in the Office of the president. He said he would look into the matter and listen to the telephone calls. 

Now I am faced with an excuse I ca n't wrap my mind around. I complied with what they told me and submitted every requested document. This request for a short sale originated from Wells Fargo. The request to send the offer in 40 days before the sale date was fulfilled and they called back and asked for additional documents which I complied with and then I get the call this morning. This is all coming from " the re-entry department ''. 

This is my last alternative to foreclosure and I understand the basis of denial. Was I not to apply for a loan modification previously? 

I have a buyer ready to purchase and a back up offer ready to go. Please help me not to loose my home to foreclosure.
Product: Credit reporting or other personal consumer reports

It is extremely concerning that there are unfamiliar inquiries on my credit report. I did not authorized nor consented to these companies to access my information, it's causing me a lot of stress and XXXX.
Product: Student loan

MOHELA bought debt from XXXX, I currently am a victim of XXXX. This is a Dispute Regarding Loan Servicing and Misrepresentation Practices I am writing to formally dispute and bring to your attention several issues related to the servicing and management of my student loans, which align with documented violations cited by the Consumer Financial Protection Bureau ( CFPB ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate corrective action regarding these matters, as they have caused unnecessary financial harm, emotional distress, and misrepresentation of my creditworthiness. The CFPB has documented several allegations against loan servicing entities, including : 1. Misleading borrowers about the consequences of submitting incomplete applications to recertify income and family size under income-driven repayment plans. 2. Engaging in deceptive acts and practices by providing inaccurate information about the requirements to release cosigners from loans. 3.Making numerous payment processing errors, including misallocating and misapplying borrower payments, resulting in financial mismanagement and penalties for borrowers. 4. Failing to implement reasonable policies and procedures to furnish accurate information to credit reporting agencies, particularly regarding borrowers who qualify XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 5. Misleading borrowers about the effects of loan rehabilitation on credit reports and associated collection fees, violating the Fair Debt Collection Practices Act. The above actions are not only deceptive but also constitute violations of the Consumer Financial Protection Act ( CFPA ) and the FCRAs Regulation V. These practices have directly or indirectly affected my ability to manage my loans effectively, undermined my rights as a borrower, and resulted in unjust penalties or credit reporting inaccuracies. I request that you : Immediately correct any misapplied payments or reporting errors in my loan account. Provide a detailed explanation of your policies regarding cosigner release, loan rehabilitation, and credit reporting procedures. Remove any erroneous negative information from my credit reports resulting from these violations. Cease and desist any deceptive practices that mislead borrowers or jeopardize their financial health. Failure to address and rectify these matters will leave me with no alternative but to escalate my dispute to relevant federal regulatory bodies, including the CFPB, and to seek legal counsel. Provide a written response within 30 days, outlining the corrective actions taken. Thank you for your immediate attention to this matter.
Product: Student loan

The Creditor is continuing to collect on the debt and utilizes numerous agencies after I provide a formal dispute. They are actively collecting this disputed debt in violation of FDCPA.
Product: Debt collection

XXXX XXXX XXXX XXXX mailed a letter on XX/XX/2024 attempting to collect a debt for a USAA credit card for XXXX The letter was mailed to XXXX XXXX XXXX XXXX. This is not my address. This is my XXXX  parents home. I do not live there/ nor do I use this address. This is harassment and undue stress in already troubling times.
Product: Checking or savings account

Please note that the selections available for describing my problem on the previous page were limited and no not accurately represent my issue. 

Earlier this month my identity was compromised. This thief has just about all my information and has opened credit cards and accounts credit unions in my name. I received a call from PNC on XX/XX/18 notifying me that there was man calling saying he was me and asking to change my address and attempt to open credit cards. I confirmed that this was fraudulent and the representative at PNC ensured me that the underwriting department has 1 ) stopped the credit card attempts before they would go through, and 2 ) inform the credit unions that my identity had been compromised and that I needed a fraud alert put in place. Today I learned that no fraud alert was put through to the credit unions by PNC and that a credit card was successfully opened. 

Since then, multiple credit cards have been attempted to be opened in my name. I believe one was attempt was successful but I am unable to find out what company the credit card was opened with because I cant access my credit report because the thief has created accounts with the credit unions and virtually locked me out.
Product: Credit reporting or other personal consumer reports

under Section XXXXUSC XXXXg, of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice [ XXXX ] XXXX five  days after the initial communication with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 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 4 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 as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) 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. 
Account Name : XXXX XXXXDate Opened : XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XXXX XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXX XXXX  XXXXDate Opened : XXXX XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXXDate Opened : XX/XX/2019 Balance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, 2XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX / XXXX XXXXDate Opened XXXX XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XXXXBalance : Reason : Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Requested assistance on a modification for Making Homes Affordable program due to foreclosure sale date XXXX/XXXX/2016, denied stating documents were not received 15 days prior to sale date, when complete package was submitted to lender same day as third party authorization which was XXXX XXXX, 2016 ( 20 days prior to sale date ), spoke to rep on XXXX XXXX stated on TPA on file. informed rep how do they only upload XXXX document out of many, Sale date approaching fast, rep informed me if complete package send again. Re faxed modification documents again on XXXX/XXXX/2016, rep stated on documents uploaded to Mortgagors system on XX/XX/XXXX, it took 5 days to upload documents submitted for modification. Informed rep that is not acceptable and can not fault client when it was there systems that delayed the process as originally was sent on the XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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, inaccurate, and false information consists a student loan account opened at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnder account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago I filed a dispute with Experian regarding a vehicle that I had given back to the lender due to my spouse losing his income. Even though I disputed it, Experian allowed XXXX XXXX to keep reporting the vehicle as a bad debt for five full years. Recently, I received a cashiers check along with a letter of apology from XXXX XXXX for their error. Experian still refuses to remove the offending account from my credit report. 
To add insult to injury, I noticed that when I applied for a loan with my credit union, that Experian has several different credit scores for each consumer ; one for us to see, that, in my case, shows XXXX, but the one they gave my credit union was XXXX? I went to their site to try to ascertain what the issue is and was forced to pay for the privilege. They charged me {$10.00} on XX/XX/2020, then they charged me {$5.00} on XX/XX/2020 and finally they charged me {$16.00} on XX/XX/2020. When I called to find out why all the charges, I was informed that consumers need to pay EACH time they want to look at all the scores Experian has for them. It is time that the Federal Government reign in these PRIVATE organizations that have so much control over our financial lives.
Product: Credit reporting

I checked my credit report an there is a report to the credit bureau of a delinquent payment for {$160.00} to urgent care in XXXX VA ( XXXX ). The bill was paid in full and should have never went to collections and was agreed upon by the billing department from urgent care in XXXX. I was told the collection agency ( XXXX ) ( XXXX ) has access to their computers and this was done in error. This action has put a blemish on my credit and they should be held accountable and fix the error immediately.
Product: Student loan

Legally my loans are past the statue of limitations. I haven't been able to repay most of them for over 8 years and in the state of Oregon this puts these loans past the point of being able to collect on. I have 4 loans through navient that are private/ consolidated. They have been sent to collections and I still recieve calls and emails which is in my understanding illegal.