23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I XXXX XXXX herby file this complaint for the following reasons : 1. I signed a voluntary surrender on this vehicle XX/XX/XXXX after store manager XXXX sent it to me and I advised her where vehicle was at the mechanic shop. 
2. I feel treated unfairly as I will now be charged extra fees as a repo although I was in agreement for a voluntary surrender. Which was shady same day she mailed letter she then had it repoed. 
3. My belongings and my husband and children belongings are in their possession and over XXXX miles away I have no vehicle and I'm in an economic hardship and can not drive to get said items they could have called and met me in my hometown before repo to take. 
4. The auction company advised me XX/XX/XXXX if Title Max would give them permission they would be happy to mail our possessions back to my home address. 
5. Title Max out of retaliation refuses to give them permission to mail items back and therefore is impeding on my right to my possessions that I have no vehicle to drive over XXXX mi to retrieve. 
6. I was treated unfairly on several occasions I asked for corporate and or the district manager to call me she never called once! 
Title Max is a company of highway robbery and retaliation and put me in economic harm.

I request Title Max show and display empathy by mailing my property back immediately.
Product: Mortgage

Below is my previous complaint that was closed. Due to a life saving XXXX i was unable to follow up in the time allotted. Pennymac lied and never disclosed the information they claimed in their response. If they did it would be on the recorded call that someone was supposed to follow up with me and never did. They chose to give me a higher rate without exploring my options for a better rate and its unacceptable. My credit clearly would have allotted me a better rate but they chose to discriminate against me instead. 

Previous complaint : This company has discriminated against me and overcharged me in a pandemic. In the scurry to get my finances in order, due to this pandemic, I took the advice of attempting to refinance to get a lower interest rate. The company lowered my interest rate but charged me excessive fees that made it not even worth it to refinance. I attempted to speak with my loan officer who told me I would be saving a lot of money and explained it away. I was also told to hurry along as I wouldn't be able to take advantage of a lowered interest rate for long. My nerves and the desire to keep my family intact with a roof over our heads and somewhere to retreat from this virus believed him. I now know and understand that this treatment was discriminatory and downright despicable. They paid off their own loan for refinance at XXXX and started my new loan at XXXX. It wasn't until i completed a refinance with a different company that I realize this picture was all wrong. I attempted to speak with the loan officer XXXX XXXX who refused to return my calls starting XX/XX/2020. After I was pushed through I attempted to contact the company and speak with someone. All attempts to contact them I've been hung up on or transferred and disconnected.
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 , 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 : 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 XXXXXX/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 US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 U.S.C 1681 XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX 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.
Product: Credit card or prepaid card

CHASE/XXXX XXXX XXXX XXXX failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, CHASE/XXXX XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CHASE/XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX/BANK ONE CARD SERV is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX 980 S.W.2d693 ( Tex.App-XXXX XXXX XX/XX/XXXX reh.den. ) citing XXXX v. XXXX 936 S.W.2d 654 ( Tex.App-XXXX XX/XX/XXXX writ dism 'd w.o.j. )
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am submitting a formal complaint regarding unauthorized inquiries that appear on my Equifax credit report. Upon reviewing my credit report, I discovered inquiries that I did not authorize, either verbally or in writing. I have contacted the creditors associated with these inquiries, and they have provided no proof that I initiated or authorized them. This lack of evidence directly violates the Fair Credit Reporting Act ( FCRA ), which mandates that only inquiries with a permissible purpose may be included in a consumer report.

According to Section 604 of the FCRA, consumer reporting agencies may only include inquiries when there is a legitimate business need, and the consumer has initiated the transaction. As there is no such authorization or purpose for these inquiries, they should not be present in my report. Additionally, Section 609 of the FCRA requires credit reporting agencies to physically verify and retain original consumer authorization for each inquiry listed.

I demand that Equifax provide verifiable proof of authorization for these inquiries, specifically by producing original consumer contracts with my signature. Without such verification, the FCRA mandates the removal of unverifiable inquiries to avoid negatively impacting my creditworthiness. 
The unauthorized inquiries on my Equifax report are as follows : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I respectfully request that the CFPB investigate why Equifax has not removed these unauthorized inquiries and ensure Equifaxs compliance with the FCRA by promptly verifying or deleting these inquiries as required by law. 
Thank you for your attention to this matter and for helping ensure that Equifax maintains only accurate and authorized information on my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on Equifax. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. Please see the item below. 

Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In it 's answer to complaint XXXX, SPS denies my demand to rescind my loan. 
They base the denial on the fact that my my loan originated in XX/XX/XXXX ... ... my ORIGINAL loan did originate in XX/XX/XXXX, but it was REFINANCED ( NOT MODIFIED ) XX/XX/XXXX. 
I say it was refinanced because the loan was INCREASED by over {$50000.00} because they added the balance of funds they ( actually XXXX XXXX, the servicer at the time ) used to pay off my then XXXX mortgage with XXXX XXXX without my knowledge or permission. They did n't just modify my original loan, they did a cashout ( the funds from XXXX mtg payoff ). The only way it would be a modification is if they did n't add the extra funds to MY account. 
Since I never received ANY TIL materials, or even an accounting for the extra money, I am exercising my 3 rear right of rescission, which I originally notified the XX/XX/XXXX. 
If the refinance that they call a modification was really just a modification, they would be right, but the refinance occurred on XXXX/XXXX/XXXX, and I am well within the 3 year window to rescind.
Product: Debt collection

Received a notice that my debt was sent and paid off by a collector but not a notice or anything about an attempt to pay this debt. Wasnt able to pay through the app in over 1-year time period.
Product: Credit card or prepaid card

I have a smile generation card with Comenity Bank. They have not updated my credit report since XXXX and it is reporting the wrong balance. I have made two request to fix this, and nothing has been done as of yet I want the correct amount reflected so my credit score will be correct. They claimed it would be updated in XXXX, this is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit score through XXXX, a Collection Item showed on my credit score, when opening the collection item, it is for some credit card from XXXX XXXX XXXX in the amount of {$1700.00}. This account was opened on XXXX XXXX by using my SS # but it wasn't me. I've talked to Experian and have disputed the charges, I've also contacted the collection agency XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi
Product: Debt collection

A few weeks ago I checked my credit report and noticed a collection placement for Professional placements for  XXXX   XXXX  for {$160.00} I never received a collection letter from them, as far as I was aware it was with another collection agency State collections who closed their account and removed it from the credit reporting agencies I have sent  XXXX  letters to Professional placements, via fax and Certified mail both have gone ignored. I have also. disputed said account with the credit reporting agencies.   XXXX    deleted, however  XXXX  and  XXXX  both verified.     They are in violation of Fair Debt Collection act and I wish for them to remove the entry on   XXXX   and  XXXX . I do have copies of all communication sent
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to the rights granted to me under federal and state law, including but not limited to the Fair Credit Reporting Act and other related regulations, I hereby formally request that a Security Freeze be placed on my credit report.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent letters to XXXX, Experian, and XXXX requesting the removal of old, outdated, and incorrect information from my credit reports, but they have failed to respond or take any action. This negligence is highly concerning as it affects my financial standing and could harm my reputation with future employers and creditors. 

Despite providing proof of my correct personal information and identity, including copies of my Driver License, Social Security Card, and Utility Bill, the credit reporting agencies have not made the necessary corrections. This inaccurate reporting creates a misleading image of my credit history, suggesting I have lived at multiple addresses simultaneously with different phone numbers and employers. 

I demand that XXXX, Experian, and XXXX promptly remove all the incorrect information from my credit reports as it is damaging and misleading. Their failure to address these issues is a violation of the Fair Credit Reporting Act, and I expect immediate action to rectify this situation to avoid any further consequences on my financial well-being.
Product: Mortgage

In XXXX I was laid off and tried numerous times to either refinance or get a loan modification to help with my XXXX monthly mortgage. Process was long and tedious and never got a clear answer if anything could be done. Filed for bankruptcy in XXXX because I was unable to fulfill my obligations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a debt validation letter to LVNV Funding, LLC. I was submitted certified mail/return receipt. XXXX XXXX was the signature on the receipt. 

In the letter, I asked for the a copy of the Original Contract with my Name, Signature, Payment History and description of services. I informed them, in the letter, that if they could not supply that information to me in 30 or less that the FCRA states that this debt would considered unverifiable and should be removed from my credit report. I have not received any reply from LVMV Funding and am requesting this account be removed from my credit report. 

According to the credit report, the LVNV Funding, LLC account number is : XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM CFPB WEBSITE : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy XXXX home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. 

Experian, XXXX, and XXXX are not honoring the 45 day rule. I shopped around the week of XX/XX/XXXX - XX/XX/2022 with XXXX different banks. I now have XXXX different inquires and the credit bureaus will not remove the other XXXX, and the worst part about it it lowered my credit rating over XXXX points! 

Please help.
Product: Vehicle loan or lease

AUTO DEALER FRAUD XXXX XXXX, AZ On XX/XX/XXXX, I financed a XXXX XXXX XXXX at XXXX XXXX in XXXX, AZ. 
At no time did the used car salesman, XXXX, tell me the hybrid battery was out of warranty and over the manufacturer 's XXXX recommended life of battery. The car had XXXX miles. Salesman, XXXX told me, this the only car the lender would give me a loan on for 22.99 %. Usuary is 25 %. High pressure sales. My car died.XXXX  stole my {$1600.00} downpayment and added it to the price of the car. The car 's true value was {$6900.00} Dealer charged me {$7900.00}. 
15 months later, XX/XX/XXXX, this car died at XXXX XXXX in XXXX, AZ. The battery costs {$4600.00}. Now, XXXX XXXX has NO VALUE!! 
I traded XXXX in for another car at XXXX XXXX. 
Now, I have to pay for the deadbeat car from XXXX XXXX-THE SCAM CAR. 
XXXX had no business selling that car to me or anyone. 
XXXX needs to reimburse me for my financial losses. {$1600.00} down payment, 15 car payments @ $ XXXX $ XXXX {$5900.00}. 
Read attached.
Product: Prepaid card

I dont know any of these allegations. Someone is using my information. Were it need to stop. Can you please help me with that. Thank you and have a blessing day.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been and on-going issue with XXXX, Equifax and XXXX as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, 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: Mortgage

My wife and I were in the process of selling our home at XXXX XXXX XXXX XXXX, PA XXXX to the new buyers and kept getting pushed back on closing for no justifiable reasons. Our initial closing date was XX/XX/2018, on XX/XX/18 after we moved out of the property preparing to close we were told closing was going to be pushed back 7 to 10 days. That time came and went without a reason and run around from the company. They refused to process paperwork sent to them or give an accurate reason on why we were delayed. Closing was then pushed back to XX/XX/18, then XX/XX/18. then XX/XX/18 and then finally today we actually had our closing which was over a month past the original closing date. The originator for the loan completely drug their feet which put us out of our house for over a month more than necessary and gave us 2 days notice that the closing would be delayed. This cause an extreme amount of stress on my family due to being cramped into my parents basement which was only supposed to be for a week initially since we were unable to purchase our new house until the closing on the old house was complete. This also caused us to lose thousands of dollars worth of our belongings and personal items because my parents garage flooded with all the rains we had which happens, but ultimately our belongings should never of had to sit in their garage for over a months time while people were lying to us and not doing their jobs.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you