23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXXAccount # has violated my rights 15 U.S.C 1681 section 602A. states i have a right to privacy. 

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I respectfully ask that this company cease reporting the accounts stated in my dispute letter to my consumer reports and to compensate me pursuant to 15 USC 1681n via electronic funds transfer for damages.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Product: Vehicle loan or lease

Totaled a car in XXXX. Loan was paid by insurance company, the remainder of the balance to be paid by gap insurance company. Td auto refused to work with gap insurance company, taking months to mail documents, which to this day have not been mailed. Ive called and complained many many times and never received any mail or call backs. Td auto put on my credit report late payments and charge offs for the entire time they refused to work with the gap insurance company and will not return their calls or my calls. I want charge off and late payment off my credit report as the account is paid in full since XXXX of last year. After calling and being told Id receive call backs, Ive heard nothing as usual from td auto. They will not mail pay off letter even though Ive requested it 3 times. All customer notes in their system will show how many times Ive called them and begged for customer support to help and send over documents to gap insurance with no response. Last phone call I was hung up on after asking for a supervisor
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am writing to delete the following information in my file. I am in the process of buying a house and the items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$270.00}
Product: Student loan

Well, I graduated College in 2007, Soon after then, XXXX XXXX wanted to collect, I tried to set up a payment I could afford, but they pushed deferment on me. The thought of no payment sounds great to a struggling single mother. As time went on and no other options where given to me when I asked for payment relief it was never anything I could afford, so my family suffers from high payments. I find my childrens needs much more important than Navients. I lost my job two years ago and all they can offer me is interest payments still way to much for me to afford! One of their employees was so mean when I was trying to work some kind of payment plan, she told me I needed to sell my car to make the payments. Totally out of line! So here I sit at the end of my six months of " interest payments " my payment is now {$80.00} more, I have no options but to be delequent? I have Federal loans that are under Income Base Repayment this is working for me. It is my understanding Navient should be providing something similar? ..I just do n't have money to pay them, it finacially straining on my family. I find talking to them is demoralizing, just because I am poor. This company accutually causes XXXX, XXXX, and hardship on families.
Product: Debt collection

This company has been harassing me while I've been going through a financial difficult time, which I've disclosed to them. I've even asked about a settlement options and they have chose not to work with me. 

They have reached out to me at my place of employment over ( 7 ) seven time. I've told the rep, XXXX on numerous occasions that's theses calls are prohibited at my place of employment verbally and through the form of an email, and it has not stopped. The rep has verbally refused to stop contacting my place of employment. 

They've been contacting multiple family members and friends and disclosed my debt on voicemails. Which is illegal.
Product: Checking or savings account

When trying to connect the app XXXX to my Pnc account it refuses to let me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having challenges getting a hold of anybody at Experian to check my credit report and place a freeze on my account. I am continually directed to call their number due to not being able to process my request online. However, when I call there is no option to speak to a person and I am then directed to go to the website to create an account. 

I use XXXX, however they can not access the reports and fraud alerts from Experian either. I need to gain access to my credit history and place fraud alerts/freezes on my accounts.
Product: Vehicle loan or lease

I had a loan with chase auto and was in a car accident the car was totaled and my insurance company XXXX told me not to make the payments because they were going to pay the car off but it took them 3 months to do it but I kept following up with both XXXX and chase but some how they are reporting it on my credit report
Product: Credit card or prepaid card

On XX/XX/2022 I filed a dispute for two charges with Current. I previously had money withdrawn from my account with a credit repair company. After further research I canceled the service, no services where received from the credit repair company. Feeling that it was a scam made several attempts both email and phone calls. But to no avail could not make contact with the credit repair company. 
I first filled a dispute in XXXX of 2022 with Current, but no action was taken or dispute was filed. Two months later after calling again to find out what the status was. The person stated that there was no dispute filed. So on XX/XX/2022 a dispute was filed. The resolution date stated a completion of the dispute would be completed after 90 days which would have been XX/XX/2022. After reaching out several times to see what the status was, it still said the dispute is still in review. 
It has now been 3 days past the 90 days and haven't received any response regarding the dispute. The amount that is in dispute is {$220.00}
Product: Mortgage

In XXXX of 2015, upon retiring from the XXXX XXXX, I initiated contact with XXXX XXXX with the expectations of initiating my first home purchase utilizing my VA home loan benefit. After conferring with a real estate agent that worked for XXXX XXXX ( the wife of a former friend of mine ) she convinced me that I should have a XXXX bedroom home built in the XXXX XXXX XXXX XXXX neighborhood of XXXX XXXX, Florida. During these initial consultations, the agent convinced me that I would have to tender a down payment " in order to guarantee my desired lot location ''. Considering that this purchase would be a VA loan, I was hesitant at first, but she insisted that my money would be returned upon closing of the home. Furthermore, she also stated that the only way that I would lose my down payment was if I backed out of the purchase agreement. Believing this, I tendered the required payment via my wife while I was XXXX as a XXXX XXXX in XXXX. After six months in XXXX, I received news that I had been accepted for hire by the XXXX back in my home town of XXXX, Florida. Upon receiving this news, I returned home expecting to start work immediately. Upon returning, I was informed by the XXXX that it would take a few months to complete all of my new hire paperwork. During this time, my new home was being completed, with an expected completion date of XXXX. I returned home at the XXXX. Once I learned that my hiring would be delayed by a few weeks to a few months after completion of the home, I shared this information with the XXXX XXXX mortgage broker. Without any further consultation with me, she promptly informed me that my home purchase would have to be cancelled until such time as I could prove that I was receiving a pay check from my new employer ( during this time, I was receiving retirement and XXXX compensation, as was my wife, totaling approximately {$XXXX} a month, which would balloon to $ XXXX a month once I was able to start at XXXX XXXX XXXX XXXX ). Although I was disappointed by this decision ( I really wanted that new home! ), I capitulated to their decision and requested that my down payment money be returned until we could start the process anew once I received my firm hire date. Upon asking for the return of my funds , XXXX XXXX personnel informed me that my money would be forfeited as " damages '', but that I could receive the funds back if I purchased a different home within six months from the date of their forfeiture decision.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK
XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX TX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX

FCRA Violation:  credit card not mine
XXXX XXXX XXXX XXXXXXXX XXXX  
FCRA  Violation: other loan never late XXXX XXXX XXXX

FCRA Violation: other loan not mine
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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


FCRA Violation: collection not mine
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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$8600.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX Loan Star Title/Wellshire financial Services llc sent XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to pick up my car after they made a mistake on legal contract and had the wrong name XXXX XXXX before making a correction to the documents and contract they sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pick my vehicle up on XX/XX/XXXX I spoke with the president of Loan Star Title Wellshire financial Services llc / XXXX manager of store and XXXX the president and she acknowledged that they made an error on XXXX XXXX but on XXXX the XXXX I paid what Lone Star asked me to pay {$2200.00} in order to get my car along with a {$650.00} repo fee after I paid they sent me to a location where my car can be picked up meanwhile I had trouble when calling a rep getting my car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she denied me access to my car I had to return back to Loan Star/ Wellshire financial Services llc and speak to a manager by the name of XXXX, she intervened and call them and inform them that they had to give me my car although they refuse to in the beginning nevertheless XXXX instructed me in order to get my car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will have to give them an additional {$100.00} in addition to the {$650.00} I had paid them she informed me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will send me a text of what location to pick up my car and they required a money order form with receipt only and they have to keep the receipt of purchase, I disagree but because I was up under the stress, and my car so I abide ....

I believe Loan Star Wellshire financial Services llc/ have failed me as a consumer and they participated in an unfair trade practice, they also have cosigned with being a part of a deceptive trade Practice Act with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and it's not fair to any and all Consumers, anytime that you purchase a money order it shouldn't be required that you turn in the money order along with your actual receipt of purchase to any recipient, But XXXX at Loan Star title /Wellshire financial Services llc informed me that will be the only way to get my car, Finally, my car was return with the drivers side head rest tv monitor damage with no remote control, and a XXXX XXXX XXXX XXXX  with a {$200.00} gift card inside also missing i awaiting on supervisor to get back with me, as of XX/XX/XXXX but no follow up ye and I think they have accountability and liable as a whole, unfair practices, for their errors on a legal contact, the repo fees, my losses and damages, in which I occurred on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX since the sent them out to pick my car up
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield is a collection agency for XXXX XXXX XXXX.They are fraudulently and incorrectly stating on my credit report incorrect date opened or dat of service. I would like to appeal date of service when i occu ] ied residence. I move in the apartment homes at XXXX XXXX in 2010 i  gave a 60 day notice and move out. It still showed as an open collection account. I will like to have them verify my signature on the contract that i signed to where this is not legal. To keep reporting a substantial amount of XXXX owed as past due. Which should allow my monthly payment amounts on the contract that doesnt even show on 2 credit reporting agencies. This dishonest action has caused me to be denied credit for a home for my family. By appealing this request to verify Date of service, wriiten contract and signature allow me to provide a warm safe home for my family.
Product: Credit reporting or other personal consumer reports

Shell point is notorious and has serially falsely reported hundreds of thousands of mortgages as having late payments and refuses to fix falsely reported late payments related to covid and loan modifications with deferments in particular. This company is arrogant and plays with the financial well-being of others and should be shut down by DOGE because they receive government insurance and there incompetence in falsely reporting late payments has an adverse effect on the economy as well.
Product: Mortgage

SHELLPOINT WOULD NOT TALK TO ME DESPITE ME SENDING MY ID, THE SUCCESSOR FORM, TRUST DOCUMENTS, AND THE GRANT DEED. I AM NOW BEING TOLD I CAN NOT ASSUME THE LOAN BECAUSE THE TRUSTEE SALE DATE IS TOO CLOSE. BUT YES IF I PAY {$9000.00} THEY WILL POSTPONE THE TRUSTEE SALE. I HAD TO GO THROUGH COURT AND ASK FOR DOCUMENTS TO BE UPDATE TO HAVE THEM ACCEPTABLE TO SHELLPOINT. I KEPT SENDING THE VERY SAME DOCUMENTS OVER AND OVER. I WAS TOLD I WOULD BE ABLE TO ASSUME THE LOAN THROUGH A REVIEW FOR MORTGAGE ASSISTANCE. THEY HAVE ALL OF MY DOCUMENTS TO REVIEW THE MORTGAGE ASSISTANCE AND ALL THEY OFFER RIGHT AWAY IS A REPAYMENT PLAN, NOT THE REVIEW THEY HAD INITIALLY MENTIONED. ALL I AM TRYING TO DO IS SAVE THE HOME I GREW UP IN. I HAVE BEEN DOING EVERYTHING ASKED OF ME. A POSTPONEMENT OF THE TRUSTEE SALE DATE WILL GIVE SHELLPOINT THE TIME THEY NEED TO REVIEW MY REQUEST FOR MORTGAGE ASSISTANCE, THEY ARE REFUSING TO POSTPONE THE SALE DATE DESPITE THEM HAVING EVERYTHING THEY NEED TO REVIEW MY REQUEST.
Product: Debt collection

Im receiving 4+ calls a day from various numbers from the same company. When I answer, there is no one on the other line sometimes for at least a minute and after Ive said hello many times, then I hear a click and someone asks for me. I answered again today and they didnt identify themselves but I said to stop calling me. I called back to see what the recorded message says and it says CBE group. They never leave a voicemail, and continue calling back to back.
Product: Credit reporting

Always apply any freezes and unfreeze to report online. Attempted to temporarily lift credit freeze online for a certain amount of days and received error message. Attempted again TWICE and payment processed and charges fee TWICE but freeze not lifted without written letter that I have since submitted. No fee should be charged if freeze was not lifted and there is no reason why my account should require request in writing unless this is retaliation for filing earlier complaint.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Product: Debt collection

entire time 10 years until XX/XX/2020. XXXX makes my blood boil. I have called and was lied to told to provide my checking account information over the phone in order to turn my cell phone back on. i called at XXXX them at XXXX {$300.00} was added to my bill. 

Scam scam scam I was told I can not call the office of the President just to write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I did three thousand times. the last letter I mailed on XX/XX/2020. Two collection agencies later. 

I chose to leave XXXX XXXX every time I called the XXXX supervisor would threaten me on a recorded line. I need peace of mind and a good Heart to beat inside of me. Im on a XXXX XXXX due to the stress at XXXX XXXX   taking all my money 4 10 years.
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX XXXX # XXXX BALANCED AT $ {$350.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b.

Which also allowed the credit agencies XXXX XXXX, XXXX, AND EQUIFAX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!