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

I bought a vehicle from XXXX  XXXX. Ive bought well over 100 vehicles from them. They had a new person that had put the wrong address on my paperwork. The paperwork was not sent to me in a timely manner for me to set up automatic payment. The dealership also had a Covid out break and nobody was there to help. Ive tried to talk to td finance but to no avail. Ive got documentation from the dealership proving the issue had nothing to do with me and out of my control. Ive spent well over 13 hours trying to talk to td finance to only be transferred around and nothing being resolved.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAINE & WEINER would verify the debt. So I took it upon myself to ask CAINE & WEINER for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Transunion is lacing my credit report with false entries again. 
XXXX XXXX XXXX XXXX XXXX XXXX is a CLOSED fraudulent account. Transunion is reporting missed payment-this is a lie. 

Transunion is to delete all auto hard inquiries from unknown source entries. Clean up my report FCRA!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was misused and Transunion hasn't been reporting 100 % correctly dealing with reporting dates and not having the correct name on the accounts that i need removed.
Product: Checking or savings account

Complaint Against USAA for Unfair Dispute Resolution Urgent Review Requested Dear Consumer Financial Protection Bureau, I am filing a formal complaint against USAA regarding their decision to deny my dispute against XXXXXXXX XXXXXXXX, a website development company that scammed me out of {$3500.00}. 
I told USAA my situation with XXXX  XXXX assuring me they would develop a fully functional website and support me throughout the process until completion. Instead, after receiving my payment, they repeatedly attempted to upsell me on additional services. When I declined and asked them to focus on delivering what I had already paid for, they continued to pressure me to purchase more services. Despite their initial guarantee that the website would be completed, they failed to provide any services beyond a few incomplete concept designs. 
Since then, Texas Brains has blocked my phone number, making it impossible to contact them. I provided USAA with evidence of blocked calls, and phone numbers matching the companys contact information, yet they still ruled against me. As a result, my checking account balance is now negative ( - {$3600.00} ), causing severe financial hardship. 
I am a XXXX XXXX XXXX, a XXXX XXXX XXXX, and I live with multiple service-related XXXX. I rely on a fixed income to support myself and my family, and I can not recover this amount on my own. After 17 years of banking with USAA, I expected them to stand by their commitment to protect and support veterans, yet they have failed to do so in this case. 
I urge the CFPB to intervene and hold USAA accountable for failing to uphold their consumer protection responsibilities. I request a reconsideration of my dispute, and a full refund of the amount Texas Brains fraudulently took from me. 
Please let me know if any additional documentation is needed to support my case. 

Sincerely, XXXX XXXX Email : XXXX Phone # : ( XXXX ) XXXX
Product: Debt collection

Collection Bureau of America working as XXXX XXXX had a {$10.00} " late fee '' added to my account XXXX. I paid that account, in full, on XXXX. 

The late fee they added, they have been reporting as late since XXXX. It has destroyed my credit. 

This is for account XXXX under XXXX XXXX, just in case CBA wants to say they " don't have my account '' like they tried to say earlier, when I told them they are extorting the {$10.00} payment as a Pay to Delete scheme. 

Funny. All of a sudden, they delete my account. But then, they will not tell me that ALL incorrect credit reporting will be removed going back to XXXX. 

This has been the single biggest negative mark on my credit and I have recorded all calls with them today. I will have no issues taking them to court and publishing the entire experience, including the initial extortion, online. And I will promote that page so it is viewed as much as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to XXXX Equifax and XXXX  about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX/XXXX Ran XX/XX/2018 XXXX XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 2018
Product: Mortgage

I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at 15 U.S.C. 1691 et. Seq. ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. 1681 ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California Gov't Code 27201 et. Seq. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. 
I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, " QLSC '' is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. 
A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by QLSC. QLSC was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of Cal. Penal Code 115.5, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Quality Loan Service Corp, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I do not have access to the documents related to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Charge-off on my credit reports reported by the 3 credit bureaus ( XXXX XXXX and Transunion ) being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a Goodwill gesture to remove their reporting from my 3 credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my 3 credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my 3 credit reports from each of the XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year when I try to get my free annual credit report from Equifax I am told I can not get my report online. Equifax first asks me several questions about accounts I " may '' have, none of which I actually have. Therefore, I have to answer ALL of the questions " none of the above. '' They never seen to ask me to verify an account that I actually have. Then they tell me I can't get my report online and have to submit a written request. They also won't tell me why I can't get the report online.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

What happens that I can't move my funds, and every time I request help from an agent the only solution is that I must send them as if the disregard and the bad time of this process was no longer enough in which I must give them the information of my personal bank account?
Product: Credit reporting, credit repair services, or other personal consumer reports

1. EXPERIAN BUSINESS CREDIT - XX/XX/2017 -  UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY
Product: Checking or savings account

Chime bank offered promotion bonus of {$200.00} with the promotion code XXXX on social media XXXX for opening a new checking account for the new customers. 

I opened up the account through the offer posted on XXXX and met all the criteria which was to have a direct deposit of {$200.00} within 60 days. 

Chime is not crediting my checking promotion bonus to the checking account I opened as advertised. 

Chime is following malpractices in financial industry and should be penalized.
Product: Mortgage

I have been attempting to assume my mortgage for a year following a divorce. I nearly completed the assumption process with my lender when my mortgage was sold to PNC. I started the assumption process with PNC the first week of XXXX, 2023. I did not receive a packet of information until the end of XXXX, and I have not submitted an official application for the loan yet. 

I was recently laid off, so I contacted PNC to understand my options. The representative told me that it would not get approved, and she recommended canceling the application for assumption to restart once I secure another job. She told me that the process would start back at square one, and I would have to pay the {$150.00} fee for application a second time. 

I asked if is was possible for me to get approved now, and she directly told me no, which I understand is something only the underwriters can determine. She also told me that because I reached out to PNC to inform them of my layoff, I essentially tied their hands. She mentioned that i just should have kept going with the process without informing PNC of the layoff- which I understand is considered mortgage fraud. I am concerned that the representative was alluding to this option in our conversation. 

The representative told me multiple times that she was new to the assumptions department, and when I asked to speak with someone else she said anyone would tell me the same thing. She attempted to get someone else on the line, but returned after 30 seconds saying everyone was busy. She told me she could " put an incomplete on it '' but that I would have to remind her to do it every 15 days. 

I can provide more information on my specific circumstances ; however, the timeline of this process is not acceptable, and the lack of support and consistent/ legal information from the representative at PNC is concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at auto loan quotes on XXXX XXXX. XXXX XXXX XXXX gave me two offers for with different interest rates ( they told me they did one via XXXX XXXX  XXXX and the other via XXXX XXXX   XXXX ). The problem is since these were two auto loan quotes given on the same date ( XXXX XXXX ) by the same dealer ( XXXX XXXX XXXX ) for a new car, it still shows as two different inquiries. Both these inquiries fall under the category of " Automobile Dealers, New ''. Based on the effects of shopping for auto loan per CFPB : Any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry ( XXXX XXXX   XXXX ) But still these are showing as two separate enquiries on XXXX XXXX by transunion, your help will be greatly appreciated to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, I'm not using any third party for this matter and this is my first complaint to CFPB because I'm a victim of identity theft and my personal information went to wrong hands or some organization who have tried to obtain a credit or financing goods on my behalf, as a result I got hard inquiries on my report that I have never authorized : : 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  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. Please remove these items from my report as a fraud items.
Product: Mortgage

Freedom mortgage is Dual tracking. We submitted our file for loan assistance. They confirmed reciept and began reviewing our documents. In XXXX, we received a missing document letter extremly late via the mail. Freedom did not verbaly advise us of anything missing. Again, our file was being reviewed, which is obviously why we received that letter. At the same time that this letter was sent, while in the review process, Freedom mortgage moved forward and placed a foreclosure sale date on our home. Per the For closing attorney, XXXX XXXX, the notice of default was recorded on XXXX and the sale date was placed on XX/XX/2025. Per the letter that Freedom mortgage provided us, it stated we had until XX/XX/2025 to send in the required missing documents. How can Freedom mortgage review our file and yet foreclose on us at the same time/place a sale date. We were then advised our file was closed out and that theres not enough time to review the file as our sale date is too close. Obviously that was because they were dual tracking and placed the notice of sale on our property. 
The Consumer Financial Protection Bureau ( CFPB ) prohibits dual tracking, which is when a mortgage servicer forecloses on a home while also working with the borrower on a loan modification. The CFPB created these rules to protect borrowers from foreclosure. 
How does dual tracking work? 
A borrower applies for a loan modification or other foreclosure avoidance option The servicer continues with the foreclosure process while also considering the borrower 's application. 
The lack of communication in regards to what was taking place with our file is unnaceptale. I fell behind due to severe medical illness and XXXX was involved in a severe auto accident which resulted in a loss of our income. I am now on permanent disabilty and XXXX can no longer work either. We feel as if we have been discrimanted again based on our age, and financial and econimcal situation. 
We are not computer or tech savy and our mail system is extremly slow. 
Our last call with freedom mortgage on XXXX confirmed they recieved our bank statements and the only other pertinant item was my social security awards letter. We had nothing else that needed to be submitted. 
We were advised that they would try and push our file forward for the review but nothing is guarenteed. This was per Representative XXXX id XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed the debt however comes back as accurate, yet no documentation of results is provided. I do not have any agreements in writing nor am I Familiar with the company attempting to collect.
Product: Debt collection

This account was reported to collections and posted on my credit report as derogatory without the initial company, XXXX. XXXX even contacting me first. I have disputed this account on multiple sites asking for basic information supporting this debt such as but not exclusive to : a copy of the written agreement entitling me to pay the original creditor, a copy of the last billing statement sent to me from the original creditor, a copy of the exact amount from the original creditor before it was sold to a collections company, and a copy of the original creditor writing a statement entailing when the debt became due and when it was being sent to collections. Im requesting documentation that literally proves the accuracy of this debt to no avail.
Product: Credit card

I made a payment using my Debit Card on XX/XX/2024 for {$290.00}. The payment was applied to my Bank Account immediately, yet Capital One did not update the Available Credit immediately. 

If Capital One makes a habit out of doing this where they suspend any use of the card even after I make constant payments, then I will terminate all services of the card. They should be allowing cardholders to maintain their own accounts. Suspending, delaying, or cancelling services on the card is not something I agreed to, even if there is a clause that claims they will do that ( which if there is, then it's vaguely written ). 

If this continues to happen again, the use of the card may be terminated indefinitely and further action may occur including an investigation as to why Capital One 's system is setup to erroneously prevent cardholders from using the card. In certain cases, some companies allow employees to get away with retaliating against cardholders which may be what's happening here as a result of the poor service and bad behavior of Representatives overseas.