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

XX/XX/XXXX i got a car loan through Lobel Financial in XXXX XXXX California. In order for me to drive off the car lot, I had to obtain and show proof of full coverage auto insurance which we maintained while having the car. We moved to XXXX XXXX NV in XX/XX/XXXX. In XX/XX/XXXX they repossessed my car. They told me that I owed {$240.00} for extra fees for not maintaining insurance. We had brought our account current and were only missing the $ XXXX that I refused to pay because we in fact had full coverage the entire time. They repossessed the car unfairly. When I called them the same day it was repossessed I was told that they had to re-evaluate my account and let me know how much to pay to get the car. They did not reach out to me for 3 weeks and said that i needed to pay {$1100.00} + the repo fees and the storage fees. I could not afford that. They continue to increase the amount owed by at least {$300.00} every month on my credit. My car should have NEVER been repossessed. PLEASE HELP, I am working on my credit and trying to just have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Mortgage

In the month of XXXX, XXXX I spoke to XXXX XXXX from Newrez Mortgage Company. He inquired if I was interested in refinancing my home mortgage to a lower interest rate. I informed him that I was interested. He sent me that forms for me to sign through the loan company 's portal, which I did. While, going through the process, I asked him if I needed to make XXXX 's payment. He stated that once I completed the process, I would not have to either make XXXX and/or XXXX loan payments. I continued to receive notifications to sign varies documents. Once again, they were all signed and forwarded back. I received an email from XXXX XXXX, the loan processor stating that I should close by XX/XX/XXXX. I made several attempts to contact XXXX XXXX. But, to no avail he never returned my calls. t should ne mentioned that in the month of XXXX, XXXX, I had a notary come to my home to sign loan documents. In the packet it stated that I would not have to make a loan payment until XXXX, XXXX. Exactly, what XXXX XXXX had stated to me. However, I learned that my loan was denied on XX/XX/XXXX. I received no notification of the denial in the month of XXXX or the beginning of XXXX. Now, I am responsible to not only pay this month mortgage but the late fees. This is highly inexcusable and unacceptable. I asked several times if I needed to make the following payments and was told that I did not. Now, my credit score will be affected from this misinformation. From my understanding the calls were taped.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} U S DEPT OF ED/XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$12000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Vehicle loan or lease

Back in XX/XX/2018, I tried to re-write my Loan with XXXX XXXX. After several calls, To check the status..approx. 75 days later I still had not received a approval or denial. After finally making a complaint with XXXX customer service. I received a denial on the re-write.This being almost 3 months later. XXXX did contact me in writing stressing being at fault, not how they usually handle customers. Well I was told not to pay any payments while in review. This putting me behind in payments 60 days or more. Well XXXX  sent it to a collection agency as a written off debt. XXXX  informed the collection agency to work out a payment arrangement. Well This has yet to be done.
Product: Payday loan, title loan, personal loan, or advance loan

Reason I just lost my income XXXX check XXXX to XXXX I couldn't make it and I got sick XXXX  second time and I have hard time serious money problem XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so oportun keep email me bother me a lot and avoid email because I will getting fainted past out so please tell company stop email and I have a right they can't threaten me something that owe
Product: Credit reporting or other personal consumer reports

Subject : Method of Verification request- Request for Description of Procedure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Experian, I am writing to formally request a description of the procedure used to determine the accuracy and completeness of the information I disputed, as per my rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ).

I disputed the report number listed below and received notification on the Experian site stating ( Your dispute results are currently not available online. ) ( Experian Report number ( s ) XXXX - Date letter generated by Experian XX/XX/2025 XXXX - Date letter generated by Experian XX/XX/2025 XXXX - Date letter generated by Experian XX/XX/2025 For the following reason : Inaccurate reporting- Your investigation of this dispute was marked as completed on XX/XX/2025. 
I am now requesting a detailed description of the reason ( s ) why I am not able to review my results online and the procedure that was used during your investigation. Specifically : Who did Experian contact or interview regarding these disputes? 
How did Experian verify the accuracy and completeness of the information provided? 
What documentation or evidence was reviewed to come to this determination?

As required by the FCRA, please provide this information within five days of receiving this letter. Failure to comply with this request may result in a formal complaint being filed with the This is my second time disputing this matter with Experian. I urge you to resolve this issue promptly, as continued failure to accurately report my account status is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including file an additional complaint with the CFPB and seek legal remedies. 
Thank you for your prompt attention to this matter. I look forward to receiving your detailed response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, but my credit report shows an outdated address as XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX. I request that my current address be updated accordingly. 

2. Employer Information : The employer name listed on my credit report, XXXX XXXX XXXX, is not my employer anymore. I request that my new employer, XXXX XXXX, be updated as my real employer.
Product: Debt collection

Santander bank employee advised me not to make a payment while she investigated my account ... during this time they reported me late to the credit bureau even tho they told me not to pay it.
Product: Mortgage

My loan account was transferred to another mortgage company in XXXX XXXX. I have been on a bi-weekly payment plan with my previous mortgage company since XXXX XXXX. I paid an extra month a year towards my principal through the bi-weekly plan for about 10 years. I made XXXX payments in two of the months during those years, which are XXXX bank drafts per year. This should have reduced my loan payoff date, ( maturity date ) from XXXX XXXX. I have occasionally checked with Citi-mortgage in regards to my loan payoff date. I was always told that it was XXXX XXXX because of my enrollment in the bi-weekly advantaged plan. When my loan was transfer to Carrington Mortgage, it was written on my statements that my maturity date is XXXX XXXX. My issues are with all the money that was applied to my principal since XXXX and adjustments made to the amount of interest that has been amortized. I also understood that the extra one-month payment a year would also reduce my interest that further reduces the loan payoff date, ( maturity date ). I have expressed concerns to the new mortgage holder regarding the loan payoff date, ( maturity date ) because of the way it is stated now I will be paying them more money than is actually owed. They are telling me that even though I am paying every XXXX rather than XXXX, it would not affect my maturity date. People enroll in these types of plans to reduce the time it takes to pay off their mortgage loans. During the transfer process, I received letters from both mortgage companies stating that nothing will change about my loan terms or conditions. That statement appears to be false. I feel I am about to be swindled out of a lot of money without a true loan payoff date, ( maturity date ) bases on accurate financial calculations of my bi-weekly plan payments since XXXX XXXX. I feel the new mortgage holders of my loan account should not have purchased my loan if they did not agree with the existing terms and conditions of the bi-weekly payment plan from the previous mortgage holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and mortgage companies have submitted multiple credit inquiries on credit file with out consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX false reporting account after it was already settled and paid off the information shouldn't have been shared to equifax, XXXX, or XXXX due to false reporting under FCRA IT IS TO BE FIXED OR REMOVED WITHIN 30 DAYS THIS ISSUE WAS REPORTED MULTIPLE TIMES THRU THE XXXX BUREAUS.
Product: Credit card or prepaid card

Wells Fargo provided me with my first credit card. The account was overdue for 60 days and they closed the account completely thus leaving a negative impact on my credit.. I lost my job and lost my apartment. Now I cant even find an apartment because they screwed my credit
Product: Prepaid card

I tried to send money abroad using XXXX & they would not allow me to do so. They returned my funds to my NetSpend prepaid M/C on XXXX, but NetSpend keeps giving me excuses to not put it back on my card. It has now been 10 days and they are still telling me I have to have XXXX fax to them on their letterhead a letter of cancellation of transactions, and they have done so at least 6 or 7 times, as well as keeping me updated on transmissions. They also tell me I can send them emails giving dates & times of the cancellations, which I did but they do not accept them either and I follow their instructions to a XXXX NetSpend now is giving me the same list over & over & we do what they say to do, but never acknowledges and returns my funds to my card. I was told by a friend they must be trying to scam & cheat me out of my money. I just need my money back on my card account. They have been using my money interest free for 10 days now and seem to not be too interested in releasing my funds back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I submitted a complaint through the CFPB ( complaint # XXXX ) requested that Transunion conduct an investigation on an account XXXX XXXX  which appears in my TransUnion Credit file . As Per 1681 ( I ) ( a ) ( 1 ) ( a ), any dispute investigations must be completed with action taken before the expiration of 30 days of when the dispute was received. Transunion did fail to complete and make timely notification of the results of this investigation as required by law. As per their response, the investigation was completed and closed on XX/XX/2023, which is past the 30 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries :  XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX  was requested by me to be removed on  XXXX / XXXX /  XXXX   to TRANSUNION because they 're not supposed  to  be on my credit report but their customer service would not help and take care of the negative inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS REPORTING THAT I DID NOT RECONGIZE.
Product: Debt collection

The debt collector was not forthcoming in establishing the reason for the call and claimed to be recording the call for training purposes but the nature of the questions and desired answers were very suspicious. They seemed to want to corner me into saying certain phrases and words or as opposed to an organic question and answer conversation. The methods were similar to unorthodox methods used by fraudulent debt collection companies in the past that recorded strategic parts of a call to construct false narratives and claims in order to pursue unnecessary and exaggerated ( and often illegal ) actions. I told the debt collector that I had just returned to the United States and had reached out to the original company ( XXXX  ) earlier in the year to handle the debt. They were not satisfied with that answer, became insistent that I was stalling and I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS BEEN REPORTING ACCOUNTS THAT ARE FRAUDULENT AND NOT MINE. I HAVE REQUESTED NUMEROUS TIMES FOR THE FRAUDULENT ACCOUNTS TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Kohl 's several times about this matter. 

In accordance with the Fair Reporting Credit Act, Kohl 's, has violated my rights under 15 USC 1681 section 602, and states I have the right to privacy. 15usc 1681 section 604a sec 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account as under an open end consumer plan as late for any purpose.
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted Chrysler Capital concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Chrysler Capital has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 XXXX account has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of crime which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) 1 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX experian XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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
Product: Debt collection

Credit Bureau Systems never verified the debt nor did they produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging CBS to provide the agreement under penalty of perjury. Credit Bureau Systems said that they would honor my cease and desist order for ALL communications, but the company stated that reporting to consumer reporting agencies wasn't considered communication. As a debt collection agency, Credit Bureau Systems should be aware that communication is defined in the FDCPA as the conveying of information regarding a debt directly or indirectly to any person through any medium. Isn't CBS conveying information regarding an alleged debt to a person or persons known as a consumer reporting agency through a medium known as my consumer report? This is a violation of the FDCPA under 15 usc 1692c ( c ). CBS also said that another company " referred '' the alleged debt. I challenge CBS to provide proof of this " referral '' under the penalty of perjury. I would like to bring to CBS 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of CBS 's failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k.
Product: Mortgage

I have applied to PenFed for a re-fi on my residential home on XXXX XXXX, 2020. Presently, I have received no confirmation regarding the status of my application. Closing had been scheduled but never approved. Despite many, many attempts to get a definitive answer on the status of my application, after almost 5 months, there has been no determination. My application is straight forward. The loan would replace an existing PenFed mortgage, the loan to value is excellent, about 40 percent, my income is more than enough and my credit rating is very good. When this application was made, I was told to expect a 60-90 day closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer a natural person demand XXXX  Equifax XXXX remove all accounts from their credit report on me as the consumer immediately As the consumer I never authorize XXXX Equifax XXXX  to furnish a report on the consumer take everything off the consumer profile and report. XXXX Equifax XXXX own the consumer {$60000.00} dollars for violating my consumer as natural person pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Send me the consumer the contract that your company 's allege say that the consumer sign threw through CFPB and the consumer will file a complaint with FTC. No consent is identity theft violation under federal law. Send me check for violating my consumer rights as federal protected consumer.