23daVinci/CFPB_Complaints huggingface dataset:
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. 

US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX  DPT TREASURY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I got a loan and tried to apply my XXXX XXXX XXXX to the loan and I am an XXXX XXXX XXXX XXXXXXXX from XXXX but I havent gotten any movement on it. My interest rate is currently 27.495 % with a loan fee of {$4500.00} separate from the XXXX borrowed. These fees seems very outrageous
Product: Vehicle loan or lease

I am writing to you regarding an urgent matter concerning my XXXX XXXX XXXX XXXX XXXX XXXX, VIN : XXXX, which I purchased from XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase, the vehicle had XXXX miles. 

On XX/XX/XXXX, with a mileage of XXXX, I brought my vehicle to XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, due to transmission issues. After diagnostics, it was determined that the vehicle requires a new transmission. As of XX/XX/XXXX, I was informed of this issue, and subsequently, on XX/XX/XXXX, I was notified that my warranty covers the necessary repairs. However, I was also informed that the repair process could take an indefinite amount of time, leaving me without a vehicle for an extended period. Despite my repeated inquires, as of XX/XX/XXXX, I am still receiving uncertain responses from the dealership regarding the estimated completion. 

When I purchased the vehicle, I ensured that I had all necessary warranties and coverages to safeguard against unforeseen circumstances. I paid extra for these protections to provide myself with peace of mind in such situations. However, the current situation has left me in a state of distress, and I am urgently seeking a resolution. 

Given the significant inconvenience and financial strain this situation has caused me, I am urgently reaching out to explore potential solutions to mitigate these challenges. I am genuinely concerned about the uncertainty surrounding the timeline for the repair of my vehicle, which could potentially extend for up to a year or even longer. 
I urgently request your assistance in resolving this matter. I can not stress enough the financial burden of paying {$1000.00} monthly for a vehicle that I am unable to use, especially with the uncertainty of when I will regain access to my vehicle. Furthermore, I am deeply concerned about the potential negative impact on my XXXX  score and credit history if this situation is not addressed promptly and appropriately. 

I urgently need this situation to be resolved as soon as possible. It has been a significant inconvenience and source of frustration trying to work with my lienholder, Ally Auto, to find a positive resolution to this matter. Despite my patience and willingness to allow time for the situation to be rectified, there has been no tangible progress. 

I understand that resolving this matter may require careful consideration and negotiation. However, I hope that we can work together to find a mutually agreeable solution that addresses my concerns while also considering the interests of all parties involved and I kindly request your assistance in expediting a resolution to this matter. 

Please let me know if you require any further information or documentation from my end to facilitate this process. I appreciate your attention to this matter and urgently await your response.
Product: Debt collection

On XXXX XXXX we received a letter stating that we have n't provided proof of home insurance for our reverse mortgage to XXXX XXXX and that they had bought insurance for us for {$2600.00}. Since our insurance company, XXXX XXXX, had always provided this information to XXXX for years, I had paid no attention before. I immediately went to XXXX XXXX and they provided the necessary proof to the XXXX insurance division. On the XXXX of XXXX, I received a letter from the XXXX insurance division cancelling their insurance and crediting our account. 

A couple weeks later we had a visit from a debt collector from XXXX. Then, a home appraiser wanted to come to our house. Then the foreclosure threats started to arrive.

I have contacted the XXXX customer service department many times including the following : XXXX XXXX ( do n't have record of date ) XXXX XXXX on XXXX XXXX on XXXX ( he even wrote up an email to his manager while I was on the phone I have contacted their insurance department a couple of times and they have assured me that our account has been cleared, but the customer service department says otherwise. I even had a 3 way conversation between the insurance division and XXXX in the customer service department on XXXX. XXXX said their was another letter in our favor in the mail, but it turned out to be another foreclosure threat. 

Please see attached documents.
Product: Checking or savings account

I have an account with PayPal.com. I have been trying to access funds in my account for well over a month. Every time I attempt to access my money or transfer to my bank I get an error saying that they can't verify it me. I have sent several emails aa well as messages through their website. I have tried calling over 100 times and I always get the same recording saying that they're to busy to take any calls.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX - XXXX XXXX - XXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past XXXX years that were impacted by this unauthorized interference. 
A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
Product: Debt collection

My complaint involves the business practices and Debt collection practices of Ally Financial. XX/XX/XXXX I was in a bad XXXX XXXX at work and was in the hospital with a XXXX XXXX and XXXX that required XXXX causing me to be out of work for a while. I notified Ally because I knew i was going to get behind on the {$970.00} that I paid on time for two years. So I called Ally Financial and spoke to a manager on a recored line and advised her of my situation and medical condition and I would be on XXXX for a while. The manager then told me yes you are a good customer and what would you like to do? I advised her that I did not know how I was going to pay the car not and would like to give it back, she was then like o.k. thats an option and we would take it back and you would have nothing due to us because we would sell it.I paid in excess of {$15000.00} dollars on a care that was worth only {$39000.00}. Now we we tricked into buying the car due to the XXXX that we purchased at XXXX XXXX in XXXX, Ga had about eight recalls and two of them were safety recalls, so with that being said they would not allow us to take our XXXX home and gave us trade options. So now that I no longer have the vehicle Ally Financial has taken the vehicle back voluntary, but before they had the car they called in excess of 6 to 8 times a week in a harassing nature. I had to send them letters and ask them to stop calling and they did not. After sending several letters and seeing this on my credit report as negative they continue to harass me by adding XXXX dollars to the balance that I do not owe because they sold the vehicle and want to still come after me although the aforementioned Agent told me they would not. I sent them letters and they ignored several times and the last one I sent on XX/XX/XXXX I received no response until XX/XX/XXXX which was past 30 days. Now they are saying they cant find the conversation or any letters I sent and I have all copies I find this as corporate bullying and misrepresentation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Inaccurate Reporting Dear CFPB, I am filing a formal complaint against Equifax for inaccurately updating my credit report. After several months disputing a charge-off account, Equifax added late payments, which is incorrect and damaging to my credit score. This violates the Fair Credit Reporting Act ( FCRA ) as they are reporting false and harmful information.

I request an immediate correction and removal of these inaccurate late payments. I appreciate your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/21, I had a consultation for finishing my basement and was told about financing offers with a company called XXXX. I was informed of the payment and loan amount. I later received notice that my credit report was requested at 4 different banks/financing companies that I was not made aware of nor agreed to have them request a copy of my credit report. These were Service, XXXX, XXXX  and XXXX and resulted in additional hard inquiries. I have since cancelled my project because of the misinformation on financing and credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who m It May Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to request one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   XXXX   of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!
Product: Credit reporting

Both XXXX and XXXX told me when I was applying that their application would not not produce a hard inquiry, and I have hard inquiries on XXXX and XXXX from XXXX and XXXX from XXXX, I have contacted XXXX companies, via phone, submitted a online form to XXXX, and XXXX spoke over the phone and email, XXXX companies said these would be removed, I never got service from either company as their sales team promised things they could not deliver ( besides saying the credit check would not impact my credit ). I spent hours with these companies to include setting up installations, that they never followed up on, and come to find out thier hardware would not work in my location?
Product: Money transfer, virtual currency, or money service

The company continued to charge me after I asked them to stop and close my account and I was charge4d an additional XXXX in fees that they have not refunded nor have they responded. My account with them is in XXXX and I have had to absorb the additional XXXX conitnued to be charged to me because they kept submitting the same request after I asked them to stop and cancel my card. They will not cancel my card because of the negative balance and they continue to try and charge my account. They owe me an additional {$90.00} and if they would correct that I would c consider being a customer of theirs. 

They did refund the last complaint BUT they split it between my linked checking account and the negative balance on the PayPal debit card.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I am a victim of XXXXXXXX XXXX XXXX. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negatives Inquires on my credit reports that have been removed from my other credit reports : XXXX XXXXXXXX XXXX, Date ( XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( two for the same date which is against the law to do so ) XX/XX/2023, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through XXXX web and XXXX XXXX from XXXX XXXX All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX have furnished my consumer report to multiple persons without my express written consent as provided insection 1681g ( a ) ( 5 ) -aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 



XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sales Financing : XX/XX/XXXX XXXX XXXX Bank : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX AF - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Auto Dealers, New XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX
Product: Debt collection

We have caller ID at work. A call came in to my work place which is against the law to do. Especially calling a total of XXXX times today. Other co-workers answered it and patched the call to me thinking it was one of my clients. The girl called herself XXXX XXXX and said my phone is being recorded and bluntly said my social security number which is very scary and just wrong. 
The call came in on XX/XX/XXXX-XXXX times that day. 

They should not be in business harassing people at their work and collecting a debt not even saying what the debit is for just screaming out my social security number. 

XXXX XXXX
Product: Mortgage

I went to refinance my mortgage with Cardinal Financial Company in XX/XX/2020. Even though the process was started, I decided not to refinance with them. However, I continued making my monthly mortgage payments on time. When I decided in late XXXX to refinance with another mortgage company, I was informed my property taxes had not been payed. The new company sent of the Tax Assessment on XX/XX/XXXX and not only was the taxes not paid incurred a penalty fee because the due date had passed. I called Cardinal on XX/XX/XXXX and was unable to speak to anyone regarding escrow account. I called again on XX/XX/XXXX. The customer service rep did not know why my property taxes were not paid even though I was making my monthly payments on time and had not closed on a refinance. I end up owing the State of California {$7000.00} to include penalty fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the account with inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card company report of non payment to credit bureau due on XXXX XXXX 2021 to drop XXXX credit score points when in fact the account was so current there were new balance of {$0.00} and minimum payment of {$0.00} on XX/XX/2021 statement. I have called customer service and they admitted it was an error. To resolve this they can not do anything but ask me to file a complaint
Product: Debt collection

Reliant Solutions are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX  nor Reliant Solutions have verified the debt. Reliant Solutions have stated that this would not be on my credit report however has of XX/XX/13 it has shown on all 3 bureaus as a collection debt. I do not owe and have not been shown that I do owe. I have repeated asked to verify and never has it been verified. They state that will speak with XXXX XXXX XXXX but no validation
Product: Checking or savings account

I filed a complaint on XX/XX/2020 because my account had been closed for two months and I still had not received my funds from the account. Suntrust/Truist responded to my complaint by providing a tracking number to the check they supposedly sent out. It is a month later and I still have not received my check. They provided a tracking number which hasn't been updated since XX/XX/2020 and when I call I am still being given the run around and no one will help resolve the issue. There should not be an issue with the address on file as I have received correspondence via mail from the since filing the claim. I still however have yet to receive my check!
Product: Student loan

On XX/XX/XXXX, I spoke with a Nelnet agent who advised me to apply for the SAVE plan on the studentaid.gov website. I did, and on Student Aid it shows tentative approval with the lowered monthly amount. 
On the Nelnet website it shows my monthly payment being around {$600.00}, when before the COVID pauses I enrolled for PAYE and studentaid.gov and Great Lakes ( my previous servicer ) showed a monthly payment of {$0.00} It has been almost one month and I have only received one email stating Nelnet is reviewing my application. However, on studentaid.gov it shows Nelnet has finished their review.

I emailed Nelnet last week and today received an email saying no one could help me via email due to high volume. I have been on hold on the phone for an hour and 2 minutes, and nobody has answered the phone. When I tried calling last week, the line hung up within a few minutes.