23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is about a foreclosure on a house and land for a finance loan through Nationstar for windows installed on the house. My mom paid this loan for over XXXX years not knowing they had her in a balloon payment where shed never pay it off. This property is XXXX XXXX XXXX, XXXX, XXXX XXXX. The company sold this loan to another company and the same thing. A few years ago they foreclosed on her home that she had built in 1969. We tried to find out who we needed to talk to to get the issue resolved and no one from either company came for court. We could never get in touch with anyone. The court just followed the paperwork not knowing who was actually behind. So, she lost her home and now still havent recovered from this. How can us small town folks get justice? I hope you can help her to get her home back.
Product: Credit reporting or other personal consumer reports

Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-Off. 
PORTFOLIO RECOVERY ( {$1600.00} ) XXXX AND XXXX I am formally disputing and requesting the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency from my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, or any lines of credit. 
It is critical to highlight that I have never entered into any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
XXXX. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
XXXX. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7, along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 i sent a letter regarding inaccurate and undisclosed things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress your causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card

I purchased a mobile app service called XXXX XXXX on XXXX/XXXX/16. The service did n't work for me and so I requested a {$99.00} refund from the merchant on the SAME day. The merchant refused to grant me a refund because I clicked on the link they sent me to access the service which " voided '' the refund policy and made me ineligible for a refund. This was the most ridiculous thing I 've ever heard. Of course, I will click on the link to be able to try it. I do n't know how else to do it. 

I then went to Barclay credit card to dispute this charge and after a month, they came back to tell me that they can not credit me this amount because of the terms and conditions on the merchant 's website. I was grossly stunned by this lack of concern for their consumers who they do not protect from these fraudulent charges. I 've been a loyal customer who paid her bills on time and this is what I get? I do not care if I get charged {$1000.00} for a transaction as long as this is something that I CONSUMED. I refuse to pay charges that do NOT benefit me at all and so I request that the Barclay credit card company credit me back these fraudulent charges that reflected on my account on XXXX and stop this unprofessional practice of helping merchants rip off their own customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Ct, XXXX, Fl XXXX XXXX You are in Direct Violations of The Fair Credit Reporting Act ( CAPITAL XXXX, XXXX XXXX XXXX  XXXX, XXXX FED XXXX XXXX - XXXX XXXX ) has violated several of my rights.

15 U.S.C 1681 Section 602 A Clearly stated that I have a 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 any 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX agreed to remove late payments reported to the credit bureaus. The late payment was corrected with XXXX credit bureau but TransUnion and XXXX still reflect the late payment.
Product: Debt collection

XXXX XXXX took me to XXXX and evicted me I did not know about the creditor until it was on my credit report they did not send me a letter or email or call me
Product: Credit reporting or other personal consumer reports

In response to Southern Management Systems , Inc. letter dated XX/XX/XXXX. The letter in reference to Account XXXX Client Name : XXXX XXXX XXXX XXXX XXXXXXXX  Current Balance : {$160.00} The information within the XXXX invoice dated XX/XX/XXXX is bogus and inaccurate. I have been working to resolve the issue with XXXX and now logged a complaint with the credit reporting compnay and CFPB. 

This false transaction that Southern Management Systems , Inc. continues to attempt to collect should be removed from my credit report immediately. 
Apparently, XXXX submitted a second incorrect invoice to me without properly informing Southern Management Systems , Inc. 

Vargos incorrect and second invoice is attached. 

Southern Management Systems , Inc should not be trying to collect a debt that is false and inaccurate. 

Please reference Consumer Financial Protection Bureau complaint XXXX dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As a victim of the Equifax data breach, I am deeply concerned about the security and accuracy of my personal information. The breach compromised sensitive data, putting me at risk of identity theft and financial harm. Therefore, I urgently request the deletion of certain items from my Equifax credit report to mitigate the potential consequences of this breach. These items may include inaccuracies, fraudulent accounts, or any information that could be linked to the breach and its aftermath. It's crucial for my financial well-being and peace of mind that these issues are addressed promptly and thoroughly.
Product: Mortgage

I have had a mortgage for many years with Wells Fargo XXXX XXXXXXXX always paid on time. Because of where we live we have homeowners {$7000.00} and winstorm {$11000.00} on our home. On XX/XX/22 our windstorm was cancelled by XXXX, then by XXXX and all of the windstorm insurance companies pulled out of the market. My wife is an insurance agent for XXXX and XXXX she tried through XXXX and XXXX and many other agents to find coverage. We found that there were either no insurance companies available or the premium is {$100000.00} ( yes, you are reading this correctly. As we continued to search for windstorm insurance Wells Fargo said that they were going to force place coverage for {$83000.00} for a coverage of {>= $1,000,000}. We have done many insurance applications and know that the replacement cost on our home is {>= $1,000,000} not {>= $1,000,000}. The {>= $1,000,000} is the amount of Windstorm coverage that Wells Fargo approved when we refinanced. And the amount we were carrying on the house when the windstorm was cancelled. Also, in my XXXX years of home ownership I have never submitted a claim. 
Not only is Wells fargo trying to charge {$83000.00} but it is on coverage that is double. I called and spoke to XXXX in insurance twice and told her to look at the original loan documents and requirements which would show the {>= $1,000,000} windstorm coverage requirement. Not surprising she did not get back to me and today I received paperwork for the forced place policy of {>= $1,000,000} with a premium of {$83000.00}. Something needs to be done Wells Fargo is gauging us with double the coverage that should be required and we can not get any reasonable windstorm insurance quotes for coverage. It is criminal that Wells Fargo is using the insurance crisis to take advantage of clients in a time of desperation and to further gauge the client by doubling the coverage requirement from what it was. this has to be illegal. I need help otherwise may lose the home that I have worked so hard to keep because of Wells Fargo unscupulous practices. I need help!!! 
I appreciate your quick response because Wells is trying to destroy me. 
ThanksXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, consumer sent a Notice of Dispute as required per federal law ( 15 US CODE 1681g ) to Equifax requesting reinvestigation of several accounts due to inaccurate, incomplete, and/or unverifiable information being reported on several accounts listed on the consumers credit report. Under federal law ( 15 US CODE 1681i ), Equifax had thirty ( 30 ) days to complete their reinvestigation from the date they received my dispute. Credit reporting laws ensure that credit reporting agencies report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Attached are the letters that were sent in the initial dispute that now must be deleted from database. The information must be deleted from my report as soon as possible. Not only did Equifax not respond in a timely matter, but the information continues to be inaccurate and misleading and as such represents a very serious error in Equifax reporting. Once again, under federal law, Equifax had thirty ( 30 ) days to complete the reinvestigation from the date Equifax received the dispute. The initial dispute was sent via Certified Mail Tracking # XXXX and XXXX and both show delivered to Equifax on XX/XX/year>, well past the 30 days allowed by federal law.
Product: Vehicle loan or lease

Honda through their Acura dealerships and using their website www.acuracertified.com sold me a used car and a loan on that car that was based on a bait and switch advertisement for the car. That is, the foundation of the loan was a bait of a used car at an incredible price. 

Bait and switch scheme is as follows : Honda advertised cars on their website as being available for sale as used certified cars that someone already had a property interest. These advertisements were run with specific VINs for specific cars at the lease purchase price. However, the cars were engaged in a pre-existing lease contract and were being bought at the advertised price by the current lessee. Any inquiry for the car was met with a switch offer from the dealership. The switch would be to car that was in some cases up to {$12000.00} more than the advertised car. 

Basically, Honda and their network of dealers would advertise for sale specific cars with specific VINs as being for sale. However, they were sold exclusively to one party who had a lease end purchase option. These advertisements were nothing but a bait and switch. The whole transaction was made possible using loan from Honda Financial Services. Thus, the foundation of the loan I took was a bait and switch. 

This impacted me in 2023 when i purchased a car from the website on XXXX. I made the purchase using a loan from Honda Financial Services. That is, the basis of the loan was a bait and switch advertising campaign run by American Honda Motor , Corporation, their network of Acura Dealers and also Honda Financial Services which facilitated the deals by making loans once the bait and switch was completed. 

I would like to provide evidence of the bait and switch. I have print outs of the advertisements on Hondas website as well as correspondences with about 20 Acura dealers admitting to the bait and switch. Which is attached. 

The foundation of the loan I took issues by Honda Financial Services was a bait and switch advertising scheme. 


Attached is a list of VIN numbers which were bait and switch. also attached are the advertisements from those cars. Also attached are correspondence from various dealers admitting that the cars were bait and switch.
Product: Credit card or prepaid card

I use XXXX prepaid card, my direct deposit was processed on XX/XX/18 by my employer however XXXX has not made the funds available to me. I called them and they had an eta of XXXX  on XX/XX/XXXX. Now I try to call and get placed on endless holds and then disconnected
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX 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 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: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of this year, I made a trip to XXXX. During this trip, several fraudulent charges were made in rapid succession at one establishment. I noticed these charges, notified Chase bank credit department immediately ( from XXXX ) and they immediately reversed the charges ( on a temporary " credit '' basis ) while investigating the charges. Over a month later, I received a letter in the mail from Chase stating the charges were found to be valid, and the credit was reversed. I called twice more to re-review the claims and they 2 more times found the claims to be valid, without giving any reason or transparency as to why they found these charges to be valid. Finally, I called my personal banker at Chase to see what he could do, however, he has not responded to multiple attempts to contact him. The charges are over {$6000.00} and from XX/XX/2018. This is completely unacceptable, and I am getting nowhere contacting the same departments over and over again, very disappointing. Thank you.
Product: Money transfer, virtual currency, or money service

This started out as I was told that my loan was approved and upon this approval they were to put the money into my checking account, I was suspicious but I had worked with a loan place before and this was their procedure and upon normal banking process as I checked to see if it was deposited and it was so I began use my debit card and I got notice that this check did not go thru and they retrieved monies from my account. I have been desperately seeking help and any solutions to this problem because now I am unable to open any checking accounts from all banking institutions. I am in need of a checking or savings in some way due my profession because to handle the amount of cash just puts me at risk for bad things that can result into me being trastically hurt. Please help or steer me in the right direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items listed on my credit report. Its been well over 45days and I still have not received any investigation results.
Product: Credit reporting or other personal consumer reports

Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. EnclI kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.osed are the relevant documents supporting my assertion.
Product: Money transfer, virtual currency, or money service

Received a request to send money through XXXX. Payment was unauthorized and have tried to have it reversed to no avail. XXXX will no do anything and PNC will not do anything either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan for 36 months in XX/XX/XXXX with no penalty for early repayment. The loan will be paid off XX/XX/XXXX with 91 % of the principal paid. My credit report does not reflect my payments or correct loan balance. After speaking with other customers who paid their loans early, I am now fearful that Avant will continue to not report the correct status of the loan and that they will continue to take automatic drafts out of my account after I make the last payment in XX/XX/XXXX. I am preparing to seek legal assistance if Avant does not honor the terms of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Checking or savings account

On XX/XX/XXXX I emailed the Executives at USAA to include XXXX XXXX, XXXX XXXX, XXXX XXXX. The letter was in good faith to ask about the equities and securities I assumed I was entitled to being that I was the holder of such. XXXX also expressed possible securities and equities fraud that have been committed and to get an understanding to why finding the Trustee who services the account was difficult. Information that im privileged towards. When XXXX  XXXX  XX/XX/XXXX came aboutfirst business day since such email. USAA executives retaliated by closing every single account I had leaving me a veteran in pain and continued suffering. I think the world and those member 's of USAA should know about this if not reconciled by XXXX  I have reached out to media.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX my vehicle was involved in a accident to where it was totaled off and a settlement was reached an agreed-upon by all parties and my insurance company which is XXXX settled again and I repeat everyone excepted the settlement amounts and the document was dated XX/XX/XXXX the amount that was disbursed and settled upon was {$25000.00}. I have tried numerous times to have XXXX XXXX zero out this balance and to no avail originally the account was still open and they just charged it off this year in XXXX and no one from XXXX XXXX contacted me about the account. Once I noticed the bill open on my credit I contact them many times because I was inquiring why the balance was left open on my credit. I have gone to XXXX XXXX, I have gone to the dealership, and I have gone to my car insurance company XXXX  who paid off the balance they stated that XXXX XXXX provided them and accepted. XXXX XXXX can not come back to me after the fact inquiring for a balance. At the time of the accident I did have GAP Insurance XXXX XXXX did not file any GAP Insurance again they can not come to me billing me for something that they did not do.
Product: Money transfer, virtual currency, or money service

Two days ago paypal sent me an email notifying me about a permanent account limitation.I can't no longer send/receive nor withdraw my funds. I reached out to their support team by mail and phone and they couldn't provide with any reason for the aforementioned limitation. They agreed with me that i didn't violate any of their terms and conditions but they are not cooperating on solving the issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.