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

XX/XX/2020, I walked into the car dealership in XXXX, Oklahoma at around XXXX. 
After hours of back and forth, pressure tactics and acting like they were doing me a favor by selling me a car, they said they found a car that I was approved for. 
By this time it was late, the dealership was closed and everyone was rushing to get us out so they could go home. 
Most of the lights were even off. 
We were in the office with the loan manager and he was shoving papers at me left and right ... '' sign here, sign here ... he's printing and printing more papers out ... this just says you can't bring the car back ... this just says you have no warranty.. '' etc. 
When I tried to ask questions, I could tell he was frustrated by it. 
He never went over the interest rate or any of that. 
I finally asked, " How much are my payments? " ..because it was never discussed. 
He told me {$360.00}. 
We took our car that night and left Oklahoma the next day. 
A few months later, I noticed that even though I'm paying all of my payments in full and on time, my pay off balance wasn't going down. 
I looked through the contract until I found the interest rate. 
The loan company charged me 18.9 %! 
And I now see that at the bottom of the contract it says that the dealer will get some of that. 
A few days ago, I learned that Oklahoma limits the amount to 16 %. 
I also read that they were supposed to provide me with the Truth In Lending information ... that was not done. 
I feel like these actions were a form of usury and predatory lending practices due to my low credit rating, my lower income, and them counting on me not knowing the law. 
I contacted them last month to ask about refinancing to a lower rate. 
Their response was, " No. We do not refinance our loans. '' The last week of XXXX  I called and informed them that I felt like they had not followed the usury laws and that I would like them to correct it.

Again, their response was, " No. We do NOT negotiate. '' I have tried to reach out them and they are unwilling to work with me. 
The law says that if they violate the usury act, they have to pay me that money back and are no longer allowed to charge me interest for the loan.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of XXXXderal Law 1.Failure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXX to Provide Investigation Results ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( XXXX XXXX. XXXX ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXX XXXX XXXX  XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under XXXX XXXX. XXXX and XXXX. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Balance $ XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I XXXX XXXX, had a voluntary repossession because of job loss. Lobel company trying to receive {$3400.00} in interest reporting to credit bureaus of a repossessed and re sold car
Product: Debt collection

My Daughter and I went to a XXXX XXXX in XXXX, WA. XXXX XXXX XXXX had a booth and a sales rep that basically made a HARD Sale. I purchased one of the beds and the mattress cover that was required in order to not void their warranty. The next day my husband and I decided to cancel the purchase and contacted XXXX XXXX. The bed was cancelled and we thought the entire purchase was voided. A few weeks to about a month went by when we received a package from XXXX XXXX. It was the mattress cover ( s ) for the bed we cancelled. We tried to deny the package, but the driver wouldn't take it back. I called the XXXX XXXX I had used before but was told they were not returnable. I never understood this. I attempted to contact another number but never got anyone that would explain why the entire purchase wasn't cancelled since I called the next day to cancel the entire purchase. I still have the mattress cover ( s ) unused in the original shipping box ready to send to anyone from XXXX XXXX. Instead of accepting the covers back, they chose to add additional charges and send my account to collections where we now have debt collectors from other companies harassing us daily. The original amount for these covers was {$260.00}. Now after looking at my credit report it's ballooned to {$500.00}. All I want to do is return these unused mattress covers for a bed we never got!
Product: Checking or savings account

Starting XX/XX/XXXX to XX/XX/XXXX there was a total deposits of {$9000.00} spending only $ XXXX of that money what happened to the rest Ive watch Bank Of America push dates back for my transactions as far as a week of my statements which make them not accurate Ive seen where theyve taken {$950.00} from me on XX/XX/23 I placed it in my checking account to cover the fees that were from debit card transactions that were cancelled but I had to wait for them to go back to my account to waking up in the morning showing someone signed into my online banking at XXXX at night when I was sleep. I have receipts showing that one amount was in my account and something was pending to be placed back into my account and then never was. The transaction disappeared. Someone is illegally taking stealing money from me and if youre not a forensics accountant you wont see it unless you see the deposits and the transactions in those time frames which doesnt add up at all. I called the fraud department on XX/XX/23 he filed one claim and then he said to file the other claim I had to wait the next day which I was confused to why I couldnt file the claim all at once but wake up on XX/XX/23 and see the same amount I was needing to file a claim on was transferred somewhere that nobody knows where that money was not there because I have a receipt to prove the money wasnt there I cant transfer {$400.00} dollars from a savings account with a balance of {$0.00} on the XXXX I woke up to XXXX so I placed that from my saving waiting on Bank of America to place what transactions that were cancelled that weekend from Friday to Sunday it was showing processing but then I replace that negative balance now its gone?? Then a week later it shows theses transactions taking place XXXX days later transactions that already posted this bank owes me without ola doubt {$2000.00} or close to it. Theyve changed the way my transactions looked since the last time I filed a complaint they are taking from my kids Im being scammed and Ive been victimized for over a decade and some how the government still allowing the imposter to take from me and the agencies covering it up. I need my kids money back. I didnt transfer {$400.00} I spoke to the agent on XXXX he said XXXX {$.00} was removed twice from my account and XXXX gave me the times and dates and now all of sudden it didnt post but it did actually because I paid for the cost until my money reappeared back to my account which never did HELP before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Im not the fraudster the imposter is not me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware that Teletrack was collecting and selling my personal information without my knowledge. It my understanding they don't have legitimate information regarding my person. I request that they provide me a report on the information they collected on me, delete the information, stop selling my personal information and opt me out of any future data collection and sales. As a California resident.
Product: Debt collection

Northland Group called me on XXXX XXXX, 2015 regarding a debt owed by XXXX XXXX, the person who had my current phone number until last summer. I was assigned the phone number XXXX and have been receiving calls for XXXX, whom I do not know, have never met, and has never lived at my address. I requested Northland Group take my phone number off their call list and they said they would. I asked which company was collecting the debt so I could talk directly to them and they refused to tell me. I saw on my caller ID that Northland Group called again on XXXX XXXX, 2015, a week after promising me they would not call.
Product: Mortgage

Wells Fargo has not been managing my escrow account. I had a increase in taxes for my land and they never increase my payment amount, plus my when the school taxes change again they probably wont change my payment again. This company should not be managing my loan period. They can't even manage a escrow account.
Product: Mortgage

We refinanced our mortgage with XXXX  ( original loan # XXXX XXXX. This loan was to be serviced by Caliber starting on XX/XX/XXXX ( Account # XXXX XXXX. 

We received a letter dated XX/XX/XXXX that our mortgage servicing was being transferred from Caliber to XXXX effective XX/XX/XXXX. At that time, our automatic mortgage payment to Caliber was canceled and and account closed by Caliber. 

We never received a letter from XXXX stating that they will be taking over the servicing of our loan. When we contacted XXXX they stated they have no record of our loan but that it could take a few weeks to show up. We contacted them several times over the following 6 weeks and they opened an investigation. We received a letter from XXXX on XX/XX/XXXX stating that they are not servicing our loan. 

During this time we also made attempts to work with Caliber have been met with the same response of " we are no longer servicing your loan ''. My account status with them shows a {$0.00} balance and a " non-active '' status. 

In addition, We reached out to XXXX to see if they can help and they were met with the same responses from XXXX and Caliber. 

We have not made a mortgage payment in several months despite repeated attempts to do so. We are very concerned that our credit will be impacted by this and are looking for resolution.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX  Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I have contacted the following companies numerous times Equifax, XXXX, and XXXX regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses, names, and phone numbers where people have fraudulently used my name and associated my name or a wrong name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though have only stated it has been confirmed the fraudulent names, numbers, and address are mine even though I have denied all the inaccurate information on the reports though the companies refuse to remove the inaccurate names, addresses and phone numbers.
Product: Consumer Loan

I had to make arrangements for my XXXX XXXX payment due. I called Pinnacle Financial group and made arrangements. I started receiving collection calls the next day along with emails and text messages advising me to remove my things out of car if no call by a certain date. I kept arrangements made for my XXXX XXXX payment. They changed my due date to XX/XX/XXXX I did not sign any paperwork or tell them to change it. Now they have me due for XX/XX/XXXXand showing me 30 days late. I cant be past due for XXXX XXXX when I just made XXXX XXXX payment. They continue to call and sent a certified letter to repo the car. I have proof of my payments I have never missed a payment. I have not made my XXXX pymt due to this error.
Product: Credit reporting or other personal consumer reports

I am requesting names and addresses listed be updated and in correct names and addresses be removed frlm.my credit information.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

XXXX the list of the questionable items : XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX  - Account XXXXXXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX  - Account XXXXXXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX - Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit at my broker 's home because I want to buy a house and I noticed that there are multiple erroneous accounts reporting on my credit profile that I did not authorize. I was a part of a data breach and my personal identifying information was compromised. The accounts and inquiries that are fraudulent are listed below : Account Name : Discover Bank Account Number : XXXX Amount Owed : {$500.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$470.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$800.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$700.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$340.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$900.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$290.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$490.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved, so it prompted me to check my credit report. I've reach out to the FTC and I've also made a complaint to the local precinct. The items listed are not mine and need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. There are also inquiries on my credit report that do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX RXXXX XXXX XXXX.