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

ON XXXX/12019 Caravans Post Operations Department attempted to perform unlawful practices by deducting my down payment prior to delivering the XXXX XXXX XXXX XXXX  by claiming they did not receive the down payment. XXXX XXXX informed me I was current on XX/XX//2019 and to continue to deal with them and disregard the threats because my down payment was paid and I was current on payments. XXXX from Post Operations Department was the contact at XXXX customeradvocate @ carvana
Product: Checking or savings account

I deposited around {$24000.00} in Marcus by Goldman Sachs online saving account. 

I tried to transfer some money from this account to my linked checking account at another bank. Without notification the transfer failed after long wait. I called and found out the account is on hold on XX/XX/year>. 

They asked me to do the authentication via physical address, which will take over XXXX  days. They offer no other way of doing this, even I already provided all information accurately, including my SSN and secrete word. My phone number also matched the one on file. 

I really need to access this money to pay my living expenses. So they advised me to close the account, promising that the fund will be returned XXXX business days. 

On XX/XX/year>, after XXXX business days of waiting, I called again and found out that the closure can not proceed because I still need to resolve the authentication.
Product: Credit reporting

We went in to look at the cost of a vehicle and filled out paper work to see if we were able to get a loan from one company. At the first denial we decided not to continue with the dealership but the dealership kept sending out loan request even after we no longer stated we were no longer interested and no longer wanted to deal with the dealership. 
The inquiries were all done on XXXX XXXX 2013, the original and approved inquiry was on XXXX XXXX, 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  2   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?   Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.     Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are   XXXX  ,   XXXX  ,   XXXX   XXXX   XXXX    XXXX , unfamiliar with handling their own finances.   Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.     FCRA requires that all  Credit Reporting Ag encies are supposed to verify received from creditors before this information is added to your credit file.   Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.     The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.     In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.   While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed on my credit report that this company has pulled a copy of my credit file on several frequent occasion, stating that I have applied for services or credit with their company, which is totally a fabrication. I tried googling the company to get information to see or what they are affiliated with and I'm still confuse on who they are. 
On my XXXX credit report last year they have 3 inquiries with the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 
I have no new credit or applied for any news services with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year>XXXX XXXX Dear Credit Bureau, I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Product: Student loan

I have sent messages to Mohela XX/XX/XXXX and called ( they have a very high call volume ). I have uploaded in-school deferment information on XXXX and sent another message XX/XX/XXXX when I received an email that same day saying that deferment was denied on XXXX of my federal loans with balances of approx $ XXXX. I called on XXXX and a representative said she would have it corrected and would submit information but since that date, all I've received is an email that XXXX loans are denied deferment. I don't know why. I logged on to Studentaid.gov and see my enrollment information is correct. It says Faulker Law, 4 years, Law School. I don't know why Mohela has XXXX loans in repayment. I also submitted a complaint through XXXX. I do not currently work due to full-time school. Some of my loans are in In-School Deferment, some are in Deferment, and 2 are in repayment. Shouldn't they all be in In-School Deferment?
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX  since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$21000.00}, {$0.00}, {$11000.00}, {$0.00}, {$6900.00}, {$1200.00}, {$4800.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Debt collection

continue to be contacted by the debt collection agency claiming that I owe a debt, no valid debt validation or ownership has been submitted for proof.

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$600.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  LVNV FUNDING LLC Address XXXX, SC XXXX Phone number XXXX
Product: Mortgage

On XXXX I contacted Freedom Mortgage after receiving notice from XXXX XXXX that my taxes had not been paid by my escrow as they had been for many years. I contacted Freedom to have them corrected this and a few days later a representative from the company called me and told me that they were taking care of this and that it would be corrected. A month later and the issue is still unresolved and the tax bill is unpaid. Freedom had sent a message in their online message system that counters the phone call from the representative that said everything had been corrected and taken care of, instead the online message has basically told me that I have to pay it and they're not taking responsibility for their error.
Product: Mortgage

I, held a mortgage with Wells Fargo that was opened in XX/XX/XXXX of XX/XX/XXXXWith XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX and I were divorced. In XX/XX/XXXX, I filed chapter XXXX personal bankruptcy, and was discharged from the mortgage debt. In XX/XX/XXXX, I completed the deed-in-lieu, removing me from the loan in its entirety. This was recorded with XXXX County, New York on XX/XX/XXXX, as you can see below.
I am writing because you have falsely filed an FHA claim under my name, which is preventing me from obtaining a new mortgage. This is in direct violation of the deed-in-lieu process, and subsequently, I am facing strong financial setbacks due to your inaccurate reporting. Likewise, my ex-husband is currently in Chapter XXXX bankruptcy, which impedes the ability to file an FHA claim, as he is claiming sole ownership of the above mentioned property. If he is agreeing for a repayment terms, the ability to file a claim through the FHA is null and void. 
I am requesting that you immediately cancel/close out your FHA claim/CAIVRS file that was opened in error in my name. I am also including this notification to the CFPB and the Better Business Bureau. Should you be unable to resolve this issue timely, I will be forced to take this notification to the media, specifically XXXX XXXX news in XXXX, New York, XXXX, as I am suffering financial ruin in the inability to purchase a home in the amount of {$150000.00}. This sale must close by XX/XX/XXXX or we will lose our family home that has been in the family for over 100 years. Not only is this a significant emotional loss, however, the financial devastation that you are causing my family. I will seek financial damages should this not be resolved immediately for the cost of my new home.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Debt collection

Some account with world finance was up opened fraudulent due to identity theft from a security breach on XX/XX/ showing a balance of {$0.00}
Product: Credit card or prepaid card

I mailed my credit card payment on XX/XX/XXXX which was due on XX/XX/XXXX along with two other payments to other institutions. Those two other institutions both cleared those checks on XX/XX/XXXX. XXXX has stated that they did not receive my check until XX/XX/XXXX and cleared the payment on XX/XX/XXXX. 

After calling their customer service number twice and spoke to a Supervisor, I was told this was a US Post Office problem and not a XXXX processing problem. Considering I have made payments in a timely manner for at least several years with them and not experienced US Post Office problems, they were not responsive and would not waive a late payment fee nor interest charges. 

As this card is associated with my XXXX investment account, I intend to have to cancel both the credit card and investment account. This is not how a respected card company should be dealing with a good customer.
Product: Mortgage

I have been having problems from the beginning first starting XXXX. I was denied a loan modification time and time again. finally after the Obama enforcement went into affect they started working with me on a loan modification and qualified for reduced principle reduction. Instead they offered me a loan modification that increased my principle and added XXXX dollars to my loan. all the time I was fighting for a loan modification they added all kinds of undocumented latefees, escrows principle and interest payments ect. I was in dispute with them and working on getting a principle reduction, then I was transferred to Nationstar not aware. Nationstar communicated to me both verbally and on their website, that I was still in process for a loan modificatioin review for my principel reduction. several months later they notified me that they updated there system and I was not in review for loan modification correction and now am behind. I spoke to several managers that were going to credit me all late fees and the months my account was in limbo waiting for them to figure it out. but instead they threatened me to bring funds in or get foreclosure. I contacted them recently about my payments, asking about late fees that should n't be there and why is payment history does n't reflect accurately. I asked to make arrangements to send payments as I could but they pushed my loan to foreclosure and added several XXXX dollars in fees over XXXX. and said I know have to pay the entire thing current. I have never been able to have a single point of contact. I have to explain the story over and over each time I call and the person I speak to does not have any resolution. a letter is sent out that says my single point of contact is, but this person never answers or returns calls. they make it impossible to resolve, they are not working with me on keeping my home or making payments. I have informed them I can make lump payments but they will not accept. they keep adding fees and increasing my total due. I can never get to a manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on Experian. To find a US SMALL BUSINESS ADMIN loan which I did not do. I have called US SBA and no one has been able to help me. I have asked them for the copy of the loan which was in my name. I was told it was unable to be found. Experian has stated there is no way to dispute the claim until there is proof from the US SBA. In regards of it not being me .Please advise
Product: Debt collection

Repeatedly contacted by Comenity Bank for a debt that I know nothing about nor does it belong to me.
Product: Debt collection

XXXX XXXX XXXX along with Scott & Associates , P.C . ( XXXX XXXX ) are doing this here with me and numerous others in XXXX XXXX of Texas. Since the Pandemic was declared on XX/XX/2020, they have filed my lawsuits with the district court and other smaller small claims courts through the XXXX XXXX XXXX area in XXXX Texas. 

The Government, specifically CFPB, needs to intervene with these companies. Because people are too busy with other matters, they are succeeding and obtaining a full judgment from paperwork they bought for pennies on the dollar at the full balance they have been given by seller of those credit accounts regardless of the accuracy of those charges thus the totality of that balance could be inaccurate. 

I have not received proof of charges with signatures of mine nor credit account signatures for the breach of contract that has been claimed ; therefore, the complaint should be dismissed immediately.
Product: Credit reporting

EQUIFAX IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT AND I HAVE SUBMITTED MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY TO THEM SEVERAL TIMES AND THEY STILL HAVE NOT REMOVED THEM FROM MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

Chime lied abt the money transfer
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX
Product: Student loan

Began XXXX in XXXX. Approved for a Parent Loan Waiver in XXXX. While submitting documents to prove my XXXX, all payments were not needed. XXXX years qualified me for the waiver. However, I have told Dept. of Ed and then Edfinancial of my financial hardship through the many forebearances being granted. My limits on income were governed by XXXX rules ; hence the two aforementioned depts. knew of my XXXX status. Nelnet ( another servicer ) told me I would be reimbursed payments made when I was XXXX as I can prove long term XXXX. I fully expected a decent reimbursement that is supposed to arrive in 45-60 days after XX/XX/XXXX ( my approval start date ). Suddenly, Nelnet says I will not receive any reimbursement when I called for a status update. Earlier on same day ( XX/XX/XXXX ) a Nelnet rep said I would get a reimbursement of over {$2000.00} ( I ordered payment history of my loan that began in XXXX. ) Please help, what is going on.???
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute the accuracy of information on my credit report, specifically regarding the reporting accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and deletion. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I kindly request that you investigate this matter promptly and remove the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly assist me to REMOVE the following accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking for validation of debt to XXXX XXXX  for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent on XX/XX/XXXX which was over 90 days ago by USPS under tracking number ( XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX  has failed to validate this debt and have not sent anything bearing my signature or nothing pertaining to this debt belongs to me. 

I also sent a letter to Equifax to delete this account 60 days ago due to XXXX failing to validate this debt. I called Equifax and they said they didn't receive my letter. I then sent another letter to Equifax to delete this debt along with a copy of the letter that was sent to XXXX XXXX  for validation with my state ID and proof of residence. This second letter was sent by USPS under tracking number ( XXXX XXXX XXXX XXXX XXXX ) and it was received on XX/XX/XXXX.