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

On XX/XX/18 I found a car online I wanted to buy. I did the credit application online and was approved for the 2015 XX/XX/XXXX XXXX for {$19000.00} So I drove 2 hours to XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXin XXXX, NY. XXXX asked me to refill out the loan paperwork. He said I was not approved. XXXX said he would try other loan companies. Hour later said he couldnt get me a loan for the car I wanted but said if I got a cheaper car I could get approved. He had a XXXX XXXX with XXXX for {$14000.00}. With {$3100.00} down payment He said just get this car for now and trade it in in 6 months. 3 hours later I said okay. We get to the finance managers office and i sign paperwork for the amount and then he says I have to do the finance online. He sits in front of the computer and is scrolling and explaining. He says I have to get the {$3000.00} extended warranty or I cant get the loan. I said okay. Finally He says okay done Ill get the paperwork copies and bring them out to you. XXXX puts them in the glove box. 5 months later Im ready to trade the car in and I look at the paperwork it says I owe {$10000.00} more than the sale price. It said I bought the car for over {$21000.00}. Ive called for months trying to get them to fix it but they wont. The car wasnt worth {$21000.00} when I bought it. They committed fraud and violated the truth in lending act. The payments are hurting my family and ability to buy a home. Please help.
Product: Debt collection

For the past six months, Ive made several attempts to speak to some one about this issue. Ive left several voicemails. I have not got a return call you yet. I disputed this on my credit. They refused to remove the item, that I am inquiring about.
Product: Checking or savings account

I would like for funds to be refunded back to me from My account please
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus Dispute Resolution Team, I am writing to dispute an inquiry that appears on my credit report. I recently reviewed my credit report and noticed an inquiry made by XXXX XXXX on XX/XX/2024. However, I do not recall authorizing this inquiry or applying for any new credit with XXXX XXXX around that time. Details of the inquiry are as follows : Date of Inquiry : XX/XX/2024 Inquirer : XXXX XXXX Inquiry Type : Hard inquiry I kindly request that you investigate this matter and provide me with detailed information regarding the purpose and basis for this inquiry. Additionally, please provide any supporting documentation related to the inquiry. If this inquiry was conducted without my explicit consent, I request that it be promptly removed from my credit report. I understand the importance of accurate credit reporting, and I believe resolving this matter is crucial for maintaining the integrity of my credit profile. Please send me a written response acknowledging the receipt of this dispute letter and informing me of the steps taken to investigate and resolve the issue. You can reach me at ( XXXX ) XXXX or XXXX to discuss any further information or documentation required. Thank you for your prompt attention to this matter. I look forward to a timely resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge of them, and the company did this without my consent.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by Equifax. 
Late payments were reported for XX/XX/year> by XXXX and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for XXXX and XXXX I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ).

Proof supporting the claim of late payments, including specific dates, amounts, and communication.

Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ). Legal Obligations Per 15 USC 1681 ( a )
( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act.

If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " XXXX XXXX Agreed Never XXXX. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

i went on the forbearancemay XXXX untilXXXX XXXX due to lay off from corona shutdowns i completedthere forbearancepackage, they sent thru the mail like instructed took it to be notarized the noter, notarizedmultiple places we found in the bound paperwork but failed tofind two pages. 
paperwork was sent back for above reason, immediatelytook to noter and fixed the problem mailed back to suntrust they somehow added my XXXXhusbandto the loan unknown to me that i needed to sign his name foracknowledgementreasons only they stated. sent it back again ... signed his name and returned it for a third time they sent it back because it didn'thave his initialson a paper, mind you after a couple times you would think they couldsee i was strugglingto find all the little spots that loan officers are paid heftysalariesto point out for accuracy. 
i then sent it back for a fourth time with a hope and a prayer that id found all the secretspots i started making payments XX/XX/XXXX till i made XX/XX/XXXX payment and they didntsend the paper workbackthey sent all my payments back totalling XXXX XX/XX/XXXX reason being they were not the total to pay the whole forbearance ive called suntrust countless times and no one will answerthe phonei have a XXXX  rep that will not answerthe phone i talked to XXXXXXXX XXXX the housing counselor XXXXtold me to contact hudshe called suntrust to help me work it out we on just that one day was on phone for over 4 hours i dont want to lose my home i know many americans that did the forbearanceplan i've owned this home since XXXX and neverbeen late i have excellentcredit and dontknow where to turn XXXX told me that hud could help me and that you wouldhave a more direct line approach to suntrust or who ever they have sold out too thanks for all you help please call me im not sure what to do or how to approach suntrust as they have cut all lines of communicationivebeen into the branch multiple times and been told that due to merger they can no longer talk to me only the home preservation reptheres no way to get ahold of her or anyone to help they are setting me up for foreclosure XXXX XXXX for accuracy purposes ive included the housing counselor and suntrust home preservationclient representativeplease reply all with necessarycorrespondence i've never paid a payment thru email and i didnt this loan thru emailwhen i've had a problem i've always been able to call and talk to someone on thephonethis is thefrist time in XXXX   years to communicateby email. i had to get mygrandkid to help with this. again obviously i'mstruggling with the timesbut ive got my job going and was and still am ready to resume making paymentsi 've requested and ask for return calls
Product: Checking or savings account

My name is XXXX XXXX. Ive been with Wells Fargo when it was formally Wachovia bank. On XX/XX/year> I received a call from Wells Fargo stating there was fraudulent activity on my account. As I was speaking to rep I logged into my Wells Fargo app to check account, rep on the other ended proceeded to state they needed to verify my identity and sent me code. Once I provided rep with code I was locked out of my online account and started getting notification that XXXX transactions were being sent from my account, in the amount of {$770.00}. I immediately ended call and call the fraud department who proceeded to tell me that it was not a real agent and I was spoofed. I changed my account number, I also had to change my online banking user id and password since hacker locked me out of account. At this point XXXX being told that theres nothing that Wells Fargo can do about it since I provided rep the code that got my account hacked. I have since escalated this matter to corporate and still havent heard anything. The fact that an individual was able to call me from a Wells Fargo number and text me from a known XXXX digit Wells Fargo sms number and hack my information, tells me that there is a breach within the company. It is now XX/XX/XXXX and still no resolution and this is not being handled with urgency.
Product: Mortgage

The lender paid my property taxes late, and this resulted in an overpayment to XXXX XXXX County, VA. By the time the lender had paid, the delinquent amount had been paid by my closing company for a refinance. The County confirmed they had sent two checks ( returning the funds sent by AFN/XXXX ) to AFN/XXXX on XXXX XXXX and XXXX XXXX for {$54.00} and {$5000.00} respectively. I have repeatedly contacted AFN since mid-XXXX, with the most recent attempt on XXXX XXXX XXXX. They refuse to refund the returned amount stating they do not have a record of receiving it. My account with them is closed ( effective XXXX XX/XX/XXXX when the settlement company paid the loan off for the re-fi ) since my re-fi is final ; and I have received the balance of my escrow ( minus the amounts above ). I have given AFN/XXXX  the check numbers ( # XXXX - {$5000.00} ; # XXXX {$54.00} ), the county returned along with the dates and amounts. AFN refuses to refund the {$5100.00}. 

Lender : American Financial Network XXXX XXXX XXXX XXXX, NJ XXXX Loan # XXXX Customer Service : XXXX https : //afncorp.loanadministration.com Homeowner and Property address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracieson my Credit Reports.

Upon reviewing my credit file, incorrect information was found in myreports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with theFCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified informationwithout any proof provided, within the time allowed by law, is not authorized. Below are theitems that are reporting on my Credit Reports : XXXX XXXX ; XXXX, XXXX, T ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX A XXXX XXXX AV XXXX, IL XXXX ; XXXX HARMONYHILLS CT XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 ; DP OF EDUC XXXX Balance : {$17000.00} XXXX DP OF EDUC XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4200.00}.
Product: Money transfer, virtual currency, or money service

Good afternoon I am thXXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXXXXXX XXXX XXXXXXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. XXXX dated XX/XX/2022 ) ; Correspondent bank of THE BANK OF NEW YORK MELLON. 
Information about payments in the annexes to this letter. Payments have not been received by the recipient. As far as I know, all payments are blocked. I ask you to help me set the details and the date of blocking payment. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. 
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had medical insurance and was given to hospital at the time of services rendered
Product: Student loan

The company is Aidvantage, which services federal student loans. 

Aidvantage has ignored my IDR income recertification application ( in which I simultaneously documented my income and also requested to switch to a different IDR plan ). They are sending bills as if I never recertified.

I submitted the IDR recertification of income application before the XX/XX/XXXX deadline. It would have been on XX/XX/XXXX or before. They said they received it in a message dated on XX/XX/XXXX, ( " Weve received your repayment plan application. " ). I recertified using the XXXX website, which is where that application is located. As part of the application process, to document income as required, I uploaded my most recent tax return ( for the XXXX tax year ; the XX/XX/XXXX tax return for XXXX was less than 12 months old at the time of the XX/XX/XXXX IDR recertification application ). The tax return was a 6-page PDF document, possibly named " XXXX [ a number which I redacted in case it's personal info ] .pdf ''. I uploaded that as part of the process at the XXXX website. ( For unknown reasons, the website did not give me the more-convenient option to automatically transfer data from the IRS as it had in the past, so I had to upload the XXXX XXXX PDF of the tax return for tax year XXXX. ) On the XXXX website, the recertification application is the same as the application for IDR. During the process, I asked to be switched to the SAVE plan, because it has lower monthly repayments. ( I understand that it is on hold due to a court order, but my understanding is that I could be placed in a forbearance until the court case was resolved. ) Aidvantage is sending me me bills as if I never recertified my IDR plan. They did not process the recertification application in which I documented my income and also at the same time asked to be switched to the SAVE plan from my current IDR plan. The amount of the bills they are sending me is as if I am not on any IDR plan. They did not send any information indicating that they had either accepted or rejected my IDR recertification / plan-switch request. They sent a document saying that they had received the application before the deadline, but they completely ignored it ; they did not process it.

If they can not process my recertification / plan-switch application in a timely fashion, I would appreciate it if they would put me into an administrative forbearance until such time that they are able to process the application, which I submitted before the deadline.
Product: Debt collection

I am being contacted by Gurstel Law who is a debt collector. They are saying that I owe a certain debt from XXXX XXXX. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Gurstel Law is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

This is not the first complaint I have filed- Gurstel does not change their tactics and I am still having the same issue. 

**The CFPB has not helped either even though this has not been resolved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX  - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right. 

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after two written requests, is also evidence o

f your willful disrega rd of Federal Law. Upon entering litigation, and through the XXXX process, you will be required to produce these documents along with an affidavit sw
earing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request. 

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within XXXX  days as required by law, and the Court will order you to delete them. 

You say that you have reinvestigated, and/or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is parroted information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA. 

In my previous formal request and correspondence, I asked you to give me the name of the person in your company who verified the accuracy of these accounts, but you also ignored this request, which is another violation of Federal Law and evidence of your willful disregard of the law. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with this Federal Law. 

I will repeat myself, and state that I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

Account name Account number XXXX XXXX XXXX XXXX INQUIRIES I DID NOT APPROVE XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX employees, legacy community, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Mortgage

Borrower has made multiple requests for pay-off over a period of years. Pay-off requests were ignored or delayed for years ; when pay-off information was provided by the Bank 's XXXX Attorney the amount was off by approximately {$30000.00} and included improper fees. Bank 's Attorney only provided a pay-off that was good for 2 weeks. Requests for documentation to support Escrow/impound overdraft fees by the PNC remain unanswered. Requested copy of Appraisal completed XXXX/XXXX/14, PNC agreed to provide, however as of this date they have not provided. PNC constantly requests the same information from the borrower, everything requested for modification provided. PNC Representative stipulated in mediation everything provided, however 2 months after the mediation notice received that modification denied because all documentation not provided.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX HM XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX