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

My children, XXXX children, ages XXXX and XXXX XXXX XXXX, and I were affected by the Equifax Data Breach. Equifax has allowed the consumer information of myself and my XXXX XXXX children be stolen by cybercriminals. Proper procedures and security software should be in place to avoid our information from being stolen. This is a crime and a violation of my rights as a consumer especially since no permission was given to Equifax to have such data to be stolen as a consumer for myself and my minor children. These are long-term threats to our consumer file for a lifetime. I will have to spend so much time and money after XX/XX/2024 til death to monitor, protect and prevent fraud and dispute adverse actions to our personal information. Thus far I had to take off work to even understand the information regarding the case and how to recover from this. I experienced stress, XXXX, sleepless nights, and financial hardship due to the effects of the Equifax Data Breach. I have had to submit multiple disputes with multiple bank accounts, purchase XXXX XXXX XXXX, and correct multiple dark web findings by purchasing protection on third-party websites and apps and my information is still being cycled. This is a nightmare and I wish more could be done for the victims of this case.
Product: Vehicle loan or lease

On XX/XX/XXXX I arrived at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX fl XXXX to see about a XXXX used XXXX XXXX the car was ok and I had to put down XXXX dollars to finance the car from Westlake financial in XXXX XXXX so I agreed to the contract and I started my first payment XX/XX/XXXX which was XXXX every month on the XXXX my next payment was on XX/XX/XXXX which I paid early on XX/XX/XXXX my next payment was XX/XX/XXXX due to my car being parked in the wrong parking space my car was towed on XX/XX/XXXX and my belongs like my Id and credit cards and etc was in the vehicle so the next day which was XX/XX/XXXX I came to get the car from the tow company when I arrive to the tow company to pay for the car being towed they told me that Westlake financial had XXXX XXXX because they did not want nothing to happen to the car ( which is weird cause I never heard that before ) in the contract it doesnt say anything about if the car was in the pound that they was supposed to repossess it so I called them and I stated that I have a contract with them and it doesnt say anything about repossessing my car because of that situation.when I spoke to Westlake financial about how I wasnt late on payments or that the car wasnt in the pound for no more than 1 day the and how can I get my car back she stated I got to pay the repossession fee was XXXX dollars plus the pound which there amount was XXXX I told them I will not be paying that cause I was not late on any payments in the car was in the pound for 1 day.every time I called they hung up in my face or putting me on hold and when I ask for my belongs out the car my id and my credit cards my kids social security cards was missing when I wanted to retrieve my items even my Registration and titles of the car was gone.I am a victim of fraud they sold my car to the auction without my knowledge and I need to speak to someone from CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a part of a Class Action Lawsuit with Ally Financial which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that Ally will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with Ally which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, XXXX, and XXXX that pertains to Ally Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notice my ach payment was rejected by mortgage company for the month of XXXX, so I called and inquired about it. As a result, I made two payments on the XX/XX/XXXX and was told by a representative of Wholesale mortgage not to be concerned since my payment rejected due to a mechanical issue. But, a month later in XXXX I notice it was a XXXX late payment on my credit report. Not only that I have reports showing inconsistencies some saying I was late in XXXX and others in XXXX. I was assured by the representative that I would not have any late payments on my report and Wholesale Mortgage refuse to correct the mistake.
Product: Mortgage

Back in XXXX, I was working with a gentleman by the name of XXXX XXXX from Wells Fargo while looking for houses. He told me I was pre-approved for a USDA loan of up to {$100000.00}. I found a house for well under that ( {$64000.00} ) In XXXX and began the process of applying for a mortgage. The closing date was set for XXXX. I had signed a loan estimate stating I was going to need about {$4500.00} for closing costs the end of XXXX. The amount of money I was going to need to close kept changing per XXXX and XXXX. One minute I would need {$4500.00}, the next it was {$6000.00}, then it was {$7000.00}. This continued to happen even after I signed the Loan Estimate. They all promised I would not need the entire amount, but I was to have it handy " just in case ''. I had decided to get a second opinion from another mortgage company. The gentleman there looked at my estimate and noticed quite a few unnecessary charges that were tacked on in random areas. He also noticed it was not a USDA loan, like my pre-approval letter stated. This estimate was for an FHA loan, which is why my closing costs were suddenly going to come out of my pocket. Unfortunately he was unable to help with getting me a mortgage because he would need to delay the closing date. Since the house I had wanted was a bank-owned home, delaying the closing date would cost me {$150.00} a day. Three weeks before my closing date I called XXXX because I had not heard from him or the Mortgage Consultant ( XXXX ) in two weeks to see the status. XXXX had told me he had quit over a heated argument with his boss and was no longer with the company. I was to report to XXXX from now on. XXXX was very hard to reach via phone or email. Once I finally had gotten a hold of her she told me I was STILL not approved for the actual mortgage yet, and the underwriter was requiring me to submit unnecessary paperwork such as my New York State LVT license. Even though I had not been approved for my mortgage yet, they had already ordered for me to pay for the appraisal on the house. XXXX finally called me back on XXXX/XXXX/16, she stated that the underwriter will not accept my mortgage contract unless I have {$11000.00} for closing costs because they will not approve me for the mortgage unless my personal loan of {$3800.00} was paid off in full, which has been on my record for 4 years now, and XXXX was well aware of when I was pre-approved. I do n't understand how the prices of my closing costs kept changing, and how I was even pre-approved in the first place. Since I was two weeks away from closing on this house by now, I was forced to forfeit the home. Being a first time home buyer I have become very nervous about buying my first home and I will not even look at homes from now on because of this experience.
Product: Credit card

In XXXX 2015, I signed up for a Frontier Credit Card. I was told that I would receive XXXX miles as a bonus for signing up for the card. They advised I could turn these into XXXX round trip flights. They advised on XXXX XXXX that I could just book the flight on my Frontier Credit Card, and when the miles where added they would issue a credit for the airline tickets. I have called for 2 months now and still do not have the miles into my account. They gave me a case number XXXX. I spoke to XXXX who stated she was a supervisor and she stated that it should have been credited. 
I believe that this a fraud. I was promised something and after paying a {$79.00} account fee the company refuses to give me the miles. 
My frequent flyer number is : XXXX. 
My credit card number is XXXX
Product: Debt collection

Our firm, XXXX XXXX , XXXX has sent to Synchrony Bank, d/b/a Old Navy Visa, on behalf of our client, the appropriate Cease and Desist letter and POA. 

The bank has confirmed receipt of the POA and CAD letter on XXXX XXXX, 2016 and continue to contact our client up to 7 times a day, since XXXX 2016 to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXX XXXX   Checking account for the Month of XX/XX/XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting

XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : Experian XXXX, TX XXXX XXXX XXXX, GA XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your attention a matter of urgency concerning inaccuracies on my credit report. Upon a recent review, I have discovered the presence of late payments on my account, and I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I understand the critical importance of maintaining an accurate credit history, and it has come to my attention that the reported late payments do not accurately reflect my financial responsibility. I am confident that this discrepancy is a result of an error, and I am seeking your immediate intervention to rectify the situation. 

I kindly request that you conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. If there are any supporting documents or information required from my end to expedite this process, please do not hesitate to inform me. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies must ensure the accuracy of the information they report. I trust that you will handle this matter with the utmost urgency and adhere to the guidelines set forth by the FCRA. 

Thank you for your cooperation and understanding.
Product: Debt collection

This agency representative XXXX called me back in XXXX saying she was from XXXX XXXX and XXXX, claiming that M & T Bank was going to take action to sue me for a charge off that that I supposedly had in XXXX. I said I know of no such debt and she said call M & T bank charge off and recovery to straighten out. I did call them and they search my name all the way back to XXXX. No charge off was ever placed against me, and that thay use their own collection service that its probably a scam. Then Yesterday again I get this call from XXXX XXXX with same information. When I told her I talked with M & T bank, she got uptight and said with charge offs and recovery, I said yes and she said is this the last four digits of your ss number and stupid me said yes, but I have no debts and that M & T bank told me it was a scam. XXXX immediately said said your refusing to pay, I said I owe nothing and she told me they will proceed with legal processing and hung up. I have the phone numbers off my phones that I do not recognize but believe is how they called me and left the voice XXXX and XXXX, the number to call back was XXXX. I called her back and said they are to cease a and assist calling me that I was hiring legal lawyer to handle this matter. What scares me is they have my ss last four digits please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I lost my job in XXXX and i did the best i could to keep making payments but i ran out of savings, 401k and income tax and i called to ask if they would close my account so i would keep puling up the interest so i could repay them back and they said NO, that it wasnt fair to " all the other borrowers '' which i asked them if all they other borrowers had lost their jobs and was over 60 years old having a hard time finding another job. I have tried paying what i can and they csll me all day long on different numbets but will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Mortgage

A loan that I took out in XXXX was grouped into a XXXX then I refinanced it in XXXX. The original loan was paid off through the refinance. I have a letter of satisfactions in XXXX XXXX records stating that the loan has been satisfied. Currently I am facing foreclosure proceeding to have my home sold by auction XXXX XXXX, XXXX. I have contacted the servicer, who by the way is the third servicers that has tried to foreclose on this closed loan, sent them a Letter of Validation, which they were to stop all proceedings until they answer, they have not stopped the sale and have not sent the correct answer in a timely fashion. The sent an outdated Notice of Assignment from XXXX, who was fined last year and part of it asset absurbed by XXXX XXXX Ditech Financial XXXX LLC. Ditech did not give proper Notice of the alleged debt, did not allow time to cure the alleged debt and only give 30 days notice, without answering The Letter of Validation of Debt, when they did send a response it was the out dated Notice of Assignment from XXXX and a late sent Assignment from Ditech which took over XXXX in XXXX, and their dated Assignment is in XXXX, which was only received by me in XXXX, XXXX, they have not answered none of the questions asked in the Letter of Validaton of Debt and over the past three years that XXXX has tried to foreclose they have never provided the name and address of the creditor. that they are collecting for. XXXX was summoned to court last year and missed all XXXX hearing. I spoke with the VA that guaranteed the loan that my husband secured with his entitlement in XXXX and they told me that they have not had any interaction with the loan since XXXX which is the month after the loan was refinanced and secured with a security deed by XXXX filed XXXX XXXX records. I do n't understand how they are trying to collect on a loan that has been closed for 11 years. I have not received any statements and they have not shown a true accounting for what they are saying is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681.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 has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these accounts will be corrected. 

XXXXDEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00}
Product: Debt collection

Phone calls harassing to sue me and/or send me court and jail.
Product: Money transfer, virtual currency, or money service

Deposited a cashier 's check through mobile deposit ( nearest branch is 300 miles away so I couldn't go in person ) that was equivalent to my substantial CC balance at the time with the intention of paying it off. Regions placed a hold on the check for almost 2 weeks, with no explanation other than " because we can ''. Resulting in about a XXXX dollars in extra interest on the card ( horrible rates ) Customer service was entirely unhelpful on multiple occasions and seemed trained to just shut customers down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showed up on my credit report company is XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX Fl XXXX. I disputed with trans union XXXX on XXXX they in vestigated as said info was accurate. I then called the co XXXX and told then iowas not my account. They said I had to send them a copy of my drivers license, a police report, proof of address and trade Comm report. I did not feel it was necessary to send a copy of my lincense.