23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have written to this company XXXX times!!!!! They have never answered my letters. I also faxed them XXXX times. 
Finally they sent a follow up to you today and claimed this case is CLOSED. BUT IT IS NOT CLOSED AND SHOULD NOT BE CLOSED. 
They are trying to collect money for insurance on a House I DO NOT OWN. 
I have told them I do not own it. XXXX times over and over .... I have asked them to check with the title company to verify this. XXXX XXXX XXXX XXXX XXXX XXXXTheir response was to send back a copy of the recorded deed stating that it is valid. IT IS NOT VALID. IT was reconvened and taken off the property on XX/XX/XXXX!!!!!!!!!!!!!!!!! 
LOOK AT THE ENCLOSED DOCUMENT!!!! 
It is a FULL RECONVEYANCE!!! THAT MEANS they do not have ANY security instrument in the property!!!!!!!! ZERO! 
There is NO VALID deed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! So as such they CAN NOT charge me for insurance on a house that has NO DEED. 
Just because they see a deed in their file from XXXX, does not make it a VALID deed!!!! 

IT WAS RECONVEYED!!!!!!! XXXX. 

GO LOOK IT UP you XXXX 

This house was sold and is no longer owned by me. the new buyer had a full title insurance policy. THIS LENDER HAS NO RECOURSE!!! Are they stupid to think they still have a deed. Well here is the proof attached. A FULL RECON!!! hope they know how to read, because it doest get any more clear cut then the words FULL RECON!!!!!!!!! 
There is still a note which I am paying for principal and interest. I am not disputing my debt. I am only disputing the need to pay for insurance on a house I do not own!!! They have fully reconvened any security interest in the property. They have no interest to protect. They can not ask for any insurance to protect a house that they DO NOT HAVE a valid security interest in. that is no different than me placing insurance on a random strangers house and making them pay me back. They are giving me no choice and holding me hostage for money I DO NOT OWE!!!!! and money they have no legal right to collect. maybe they would rather me hire an attorney and sue their XXXX!!!!! 
This madness needs to stop.
Product: Debt collection

I saw some false accounts on my credit report that are hurting my credit. Please delete them.
Product: Checking or savings account

I have multiple accounts with Wells Fargo and have requested all my accounts be reported to me on one complete statement. I have requested for the last 3 months that my current mortgage # XXXX be added to my complete account statement checking # XXXX. WF has responded they can not provided this service - this is not true, my last 4 mortgages were added to my complete statement. WF then responded it was against the law to add my mortgage statement to my complete combined statement, this is XXXX XXXX crazy response from WF. I was then advise it would take several months, this is also a lie, my previous 3 mortgages were combined with all my other accounts on one statement the same month the mortgage was created.
Product: Vehicle loan or lease

I'm contacting the cfpb in regard to a car loan. I purchased a XXXX scion with 41,000 miles through XXXX XXXX. I was making payments in the amount of XXXX however in XXXX, I couldn't afford the car payments due to gunshot injuries. They told me the car was 18,000, I later found out the car was more than that. They also charged me 18.99 percent, their finance charge XXXX total cost of the car XXXX which is unbelievable. The car had no equity, the loan was up side down to start and the apr rate is beyond Connecticut 's law. This is a clear case of predatory lending which violate the laws here in Connecticut. The lending practice in my case imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip me the borrower of equity. I did not understand the terms of this agreement when i bought this car. I had no knowledge of the APR. The salesman was trying to make a sale by any means necessary. Paying XXXX for a XXXX car is crazy. The lender violated local or federal laws, including the Truth in Lending Act ( TILA ) by approving such loans with these terms. Credit Acceptance is currently being sued by New York Attorney general and the CFPB for this very thing. In the state of Connecticut an auto loan APR can not exceed 12 % pursuant to Section 36a-573 of the Banking Law of Connecticut, no person is authorized to charge, contract or receive any interest or consideration greater than 12 percent per annum upon the loan, use or forbearance of money, or credit of the amount or value.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave XXXX, XXXX, or TRANSUNION, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX XXXX XXXX. I have attached my last statement from XXXX XXXXXXXX XXXX to show the discrepancy. I will also attach my XXXX data breach claim id. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to acquire my credit score from Transunion on several occasions. 
in XX/XX/2023.I have been unable to go online..or speak with someone who can help me..The other credit agencies were helpful but Transunion is unresponsive on more than one occasion..
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I XXXX XXXX XXXX, disputed an account reported by XXXX XXXX. I was informed in XX/XX/2019, that the item was deleted from all of my credit reports. I have recently discovered XX/XX/2019, that a collection item has been re-inserted by an entity known as XXXX XXXX XXXX who has illegally reported a collection on all three credit bureaus. I have NO such business dealings with this company and ask they provide signatures stating that we have an agreement. I request that the collection item be removed permanently from Equifax, XXXX and XXXX XXXX credit agencies immediately as my credit has suffered from this form of identity theft. 
Again, I have had NO such business agreements with XXXX XXXX XXXX and demand swift deletion off all of my credit reports. The next step will be legal action against this entity and the bureaus that continue to report this fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Date : XXXX  Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct XXXX XXXXXXXX Subject : NOTICE OF INTENT TO FILE A LAWSUIT To Whom It May Concern, Therefore, be advised that I am very serious about filing a suit against your company.

Please accept this Notice of Intent to File a Lawsuit as my final attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete the DEROGATORY account ( s item ( s ) from my credit report. Your offices have failed to send the legally required validation of item ( s ) listed in XXXX XXXX. Also, you have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the FCRA, 15 U.S.C. 1681 et seq. A copy of this letter, as well as copies of dispute letters sent to you previously, will become part of a lawsuit and shall be used as evidence in pending litigation, provided you fail to comply with this notice. Be advised that I am keeping accurate records of all correspondence regarding this matter. I will not hesitate to start legal, lawful, and administrative actions against your firm as well as the individuals responsible for damages to me. I will proceed in court until I have successfully proven to a judge and jury that false/derogatory information must be removed from my credit report.

I sent this letter via mail to ensure this matter is resolved within the required thirty ( 30 ) days window so as to avoid any violation of the FCRA. if you do not comply with this letter within thirty ( 30 ) days timeperiod then a lawsuit may be filed in the proper jurisdiction seeking monetary damages as well as pursuing all available legal remedies.

I know that your company will need some sort of verification to prove my identity. My information is clearly shown MY FULL NAME XXXX XXXX XXXX MY SOCIAL SECURITY NUMBER XXXX MY DATE OF BIRTH XXXXXX/XX/XXXX MY CURRENT ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX MY EMAIL XXXX Thank you and I look forward to resolving this most expeditiously. Please send me a copy of the changed credit report at the earliest. 
Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING TWO DOCUMENTS THAT VERIFY MY IDENTITY Driver Licence Social Security Card
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

in XXXX XXXX XXXX - while in an active XXXX XXXX - my husband and I needed a newer car. 
The trustee allowed us to assume this new debt. The only lender the car dealer was able to find willing to finance us being in an active XXXX- was Exeter Finance- out of Tx. 

When I did not get my statement in XXXX for my first payment - I called them. They said because I was in an active XXXX XXXXXXXX they were not allowed to send me statements. My XXXX attorney issued a letter saying that I needed to have statements- and I realized receiving them was not attempt to collect a debt. 
However they refuse to send me any info regarding my loan. I was told by one person I spoke with in XXXX that once the XXXX XXXXXXXX was officially discharged they would allow me access to my account. When I called yesterday as I could not log on- they said because of the XXXX XXXXXXXX I would never be able to see the activity on my acct for the life of the loan. 
I am now looking to refinance- and have learned that this loan is not on mine or my husband 's credit report. I called them again- and they said because of the XXXX  XXXX their policy is not to report it to the bureaus. 
I feel this is all very suspicious. I have a loan - that I have no idea what I owe - if my payments are being processed - and the loan has not been reported to the credit bureaus. 
It seems that this is illegal. 
I need help - repaying this loan would help my credit score after the XXXX- and now it's hidden from view. How can I refinance when a new lender can not see it?
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Bank XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : Regional Acceptance CO Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Checking or savings account

On XX/XX/year> I scheduled a transfer from my external account to EverBank via EverBank 's online app. 

There was no record of this transfer being scheduled on my end nor did I receive email conformation of this. Therefore on Monday morning XX/XX/year>, I called EverBank. On the recorded line, I was told by the representative that he could not see any scheduled transfers. 

After this, I initiated a second transfer. However, I accidentally selected the wrong external account when telling EverBank where to pull money from. Normally, I would go into scheduled transfers and cancel the request moments after initiating it if an error was made but there were no scheduled transfers showing on my end. 

After the first call on XX/XX/year> and noticing my mistake, I called EverBank right back to see if they could see the second transfer I just scheduled. For a second time, I was told there were no transfers that had be scheduled. 

Since hearing these transfers did not exist, I initiated a third transfer from my other savings account at EverBank. This time the requested transfer did immediately show up on my end.

The next day I realized all three of these transfers, two of which I could not see and was told does not exist by EverBank, had gone through. 

The second transfer had overdrafted my checking account at my external account due to EverBank telling me that requested transfer did not exist even after I called in moments after submitting the transfer request. 

EverBank 's faulty system did not confirm my transfer request via the app, website, email, or verbally over the phone. I was told these two transfers were never received yet they went though which caused my external account to over draft. 

After hearing back from EverBank after reporting what had happened, I was informed they played the recorded calls, confirmed both representatives could not see any requested transfers but still could not do anything to help despite receiving inaccurate information directly from EverBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax decided to randomly dropped my score by XXXX points. Alert I received for the change was that a remark was removed from a XXXX account. The remark removed was account previously in dispute- now resolved by data furnisher. This account was always a positive account, Im Trying to wrap my mind around how can a dispute remark whether added or removed, drops one score by so much?! What you guys have been doing to people and able to get away with is sickening and despicable!!! Im in the process of doing a mortgage, and this will impact the process. You dont dont just randomly drops someone score by so much and use a XXXX reason to doing so. XXXX points is a lot!!! Count your days, justice will prevail.
Product: Credit reporting or other personal consumer reports

XXXX, experience, XXXX have all XXXX reported info. Which shows multiple errors. How do I go about getting them removed. From old addresses to late payments. I have XXXX outstanding loans but yet my credit has not moved in years.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my XXXX file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

2. Account Name : XXXX Account Number : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my XXXX file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my Equifax file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have previously reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documents and screenshots of my credit report to highlight the inaccuracies and substantiate my claim. Please investigate this matter promptly and update my credit report with the correct information.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX EMP Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX  ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt validation letter had been sent via certified mail, alongside a cease and desist order. I was never given a copy of my right to resend letter either, granting me the right or not. I would like to enforce my right to resend this contract, and for my title to my car be returned to me. I would also like to file for damages because my credit report is reporting inaccurate/invalided information as well. Please help! My consumer rights are being ignored, and violated.
Product: Consumer Loan

I financed a car from Santander XXXX : XX/XX/XXXX Chevy Cobalt in XX/XX/XXXX for $ XXXX 19 %. I currently owe $ XXXX two years later. XXXX late payment. The car is worth {$4000.00} can not trade in too much negative equity. I have request an adjustment in loan and they said no.
Product: Debt collection

About a month ago, I started receiving calls from various area codes, each time with a different number. The incidents they described didnt match my whereabouts on the dates they mentioned. When I asked which hospital they were collecting on behalf of, they provided a name. I contacted the hospital directly, and they informed me that they don't work with that debt collection company and that I don't owe any money. 

I then requested a letter from the " manager, '' which they sent to my email. I researched the information they provided, only to find that the address on the supposed medical bill was actually a random XXXX XXXX store. The letter had information that didn't match mine either like my address or my social. I also came across reviews online from others who had been scammed by the same company, confirming that it was a fraudulent operation.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 ' business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX or XXXX XXXX or whichever date because this account shows different dates conflicting on any truth to understand the exact date under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX  on XX/XX/XXXX or XXXX XXXX or whichever date because the data furnished for this fraud account has different information being publicly furnished under the account number ( XXXX ) and furthermore examined another XXXX XXXX account opened at XXXX XXXX on XX/XX/XXXX or XXXX XX/XX/XXXX or whichever date as multiple dates are XXXX publicly furnished under multiple agencies under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've have not attached a list of the hand inquiries in questions a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. this has been Reported with the XXXX XXXX XXXX XXXX Police station in the United States Of America California Republic