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

XXXX XXXX I bought car XXXX XXXX spark for XXXX purchase price XXXX owner myself previous owner XXXX XXXX XXXX holder credit acceptance lien holders are in place when there is ownership of the car loans are taken out fairly loans are cash agreements you have to pay back so there is a lien for some reason the car is paid for and I know the title I have is me memorandum title is given to you from the actual title being sold for some type of collateral like a loan but since the cash price or purchase price is there I think that they say there was a financed part but that added money to the car price so they charged like 18,000 more and I'm not even into head about XXXX $ being the payment and I'm nowhere near paying for it its like they slowed time down the car has been a problem I got it because of the things I was waiting for the lawsuit social security told me about the way its going its been 4 years and they still hav n't distributed the money it was already a closed case in XXXX but I can't get straight answers people have been trying to steal evidence that it existed told me over the phone over the years from some they don't know then Ill leave voice mail an never get a response but it seems like I'm put in a situation that the lien holder/ loan place which I'm noticing wants all the money but lien like if I didn't have the money to file bankruptcy like is on my credit report its unfair because it is but its reported I bought the car for a certain price or financed it that's there but the confusing part is the purchase price being noted on the title and sales tax like that's some kind of weird thing I own it, but the exit for the car dealership does not exist the dealership doesn't exist and only the license bureau knows something they gave me hard plates off a memorandum title but they don't know the problem I'm having because its not loan max or some other title loan place
Product: Mortgage

OCWEN Loan Servicing , LLC conducted a loan modification without my knowledge nor authorization. My signature was forged on a loan modification document which was not notarized. I am the co-borrower on loan # XXXX. I have attempted to be removed from the mortgage which has negatively impacted my credit. I am held financially responsible for such loan although decisions on the loan as well as a modification have been made without my knowledge or consent. I should not be held financially responsible for a loan which I was not informed of the new terms and conditions that I did not agree to. The co-borrower ; as well as her family members have gone back and forth on deed / ownership of the property and also have been involved in fraudulent mortgages in the past ; including co-borrowers ex-husband and father both of whom have filed bankruptcy over foreclosures. I am deeply concerned with my credit since I have not lived in the property for over 8+ years, do not have any financial investment in property nor do I make any payments towards said mortgage yet I am negatively effected as a co-borrower. OCWEN does not correspond nor consult me in decisions made on the loan my name is attached to. **NOTE : I do not know which mortgage process my issue is related to below
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested the correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had updated. Due to the Bureau 's lack of response which I classify as frivolous. XXXX, Equifax, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ), and has violated several of my rights. 

15 USC 1681 section 602 A. clearly states the I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Checking or savings account

Paypal after over 15 years of business chose to terminate its relationship with me. While I used Paypal for some business sales. I generated a balance of over {$15000.00} held in a 90 day reserve. Almost all that money held in reserve has now well exceeded its 90 day hold period. 

Paypal is now unjustly holding my funds without compensation at current market rates. I demand my funds be released and or compensate me with current interest rates for using and or holding my funds without my permission. 

my account is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be advised that this is my Second WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report you are in violation of 15 USC 1681. I have requested that you investigation and reinvestigation the unverified items listed below that remain on my credit report. As you are in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these ITEM BELONG TO ME without any proof. Who in your company verified these accounts? How did they verify them? Again Please provide me with the name of the individual there address, and telephone number. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The court have order that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ) .You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You also stated that Adverse Account meaning accounts that has not been paid, been transfer or sold or date from first DELINQUENCY will stay on the report for seven years. I'm requesting that you send me documents of this.
Product: Mortgage

The  XXXX   XXXX ,    2016  application for a  HAMP 2 loan was denied because Nationstar INCORRECTLY calculated my Gross Social Security Income, and refuses to acknowledge and correct this ERROR, and approved me for a HAMP 1 loan  at a considerably higher monthly payment with less favorable terms.     ( see attache d 2 pa ges )
Product: Credit card

I purchased kitchen non-stick pans from XXXX ( owned by XXXX ) XX/XX/XXXX and XX/XX/XXXX, but due to quality of the product, I returned the items back to the merchant in XXXX XXXX with proof of return tracking. I have contacted the merchant to get the status of the return, but got no response. So I contacted my credit card ( JP Morgan Chase ) to dispute those charges under the Fair Credit Billing Act about the quality of the goods and return and expecting credit. However, my credit card company sent me an letter that those charges were valid as significant time has passed and merchant is not under any obligation to provide the credits to my credit card account. I explained to them there is no time limit for the quality of goods or service under the Fair Credit Billing Act and merchant 's return policy indicated that I could return any time ( no return time period restriction ). However, my credit card company made a final decision in merchant 's favor. Would you mind providing any advice on how to proceed with this? I have already returned the item, and I do n't get the refund. I 've contacted merchant, but the merchant is out of business and based on the credit card issuer 's letter, merchant is not willing to honor the refund to my credit card account. Thank you for your assistance.
Product: Prepaid card

someone stole my debit card back in XX/XX/year> and used a XXXX XXXX XXXX to take money from my debit card and left a name of XXXX XXXX that i found out by my transaction history in XXXX XXXX XXXX when i contacted the debit card company of it being stolen and they did nothing about a refund because they said it was over 60 days when i contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage continues to FAIL to update their system with my correct contact information. I have received ZERO correspondences that they claim to have sent to me in response to my written requests because these notices are only going to the primary borrower 's physical address that I am not affiliated with. I have begged and pleaded with Freedom Mortgage since XX/XX/XXXXto update my contact information as the secondary account holder to no avail. It has come to my attention from XXXX XXXX that NONE of these mailings are coming to my attention and my request for address updates have repeatedly been ignored, which has consequently damaged my credit report. XXXX XXXX, please update my contact information with your files, and send written responses to my requests to the address that I have provided to your company numerous times. As a consumer I have the right to information on this account and limiting my access to information on the service of this account has cause a great deal of unfair credit reporting. Inaccurate contact information for me does not allow to be aware of or allow me any opportunities to address any discrepancies on the account. The Fair Credit Reporting Act ( FCRA ) is a federal law that protects me as a consumer from unfair practices and credit mishandling.
Product: Money transfer, virtual currency, or money service

I tried to buy a chair from this man off of XXXX but the chair was never send after I had already paid and he has blocked me from all contact
Product: Student loan

I need to apply to stop payment temporarily because of loss of income. I filled out and submitted an application and they do not acknowledge that I can not make payments as of now.
Product: Debt collection

This is a work phone contact and Northstar Location Services , LLC has repeatedly called me and various people with whom I work about collecting on a debt. They have been informed that this is a work phone and that I can not have these calls yet they continue to call multiple times per day during work hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous. Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00}.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to bring to your immediate attention a distressing situation regarding an ongoing dispute over a repossession ( LEADERS FINANCIAL COMP ). Despite my repeated attempts over the past five months to resolve this matter, I have not received any response. This lack of action has adversely affected my family 's ability to move out of a dangerous neighborhood due to credit bureaus ignoring my disputes and sending stallment letters. 

The continued disregard for my disputes and the resulting inaction by the credit bureaus have placed undue stress on my family, causing trauma and depriving us of essential resources. This situation is untenable and urgently requires your intervention to provide relief and resolution. 

I implore the Consumer Financial Protection Bureau to investigate this matter promptly, address the erroneous reporting, and take necessary steps to rectify the impact on my family 's financial stability. Your swift action in this regard is crucial to restoring peace and security to my family. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I still have numerus unauthorized inquires on my TransUnion report. 

I did not authorize these inquires below that are reporting on my TransUnion credit report : XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, 2024... Please delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX on XX/XX/XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX  on XXXX XXXX, 2024..Please delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX  I did not authorize the inquires Please advise Please remove these accounts. I did not authorize the inquires Please advise
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally Protecte

d Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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. 

XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

This alledged debt was paid by my insurance first. Second, I never received information on such owed debt. Third, this is a violation of my HIPAA rights as I said before because there is no reason my diagnosis and what test was done should be of any concern to this Collection agency. Fourth, this was added to my credit report w/o first contacting me. I 'm very tired and feed up with this collection agency for a {$270.00} alledged debt. So it will cost them more. Because I will be filing this with my attorney, due to the information that is on the form. Which includes my social, diagnosis and test that was done. My diagnosis is noone 's concern. ONLY the person who was caring for me at the time and it was not a Collection agency. What if I had a relative working for this company and they saw my diagnosis? I would be furious. And I still do n't know who else seen my diagnosis. 
XXXX XXXX
Product: Mortgage

Nationstar Mortgage is inaccurately reporting negative information on my account to multiple credit reporting agencies. I have previously disputed this issue and Nationstar has not made the necessary corrections.
Product: Debt or credit management

Cash app was taking my money first time it was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When i contact support they gave me the run around and then told me that they cant do nothing cause it was my fault. So they made me close that account and opening a new one that i have now.. its been 2 years ago now. Also they told me it was fraud going on and my account got hit. They also gave my personal information out and unauthorized those transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my credit reports on XX/XX/ for just regular follow up. i saw one account that i never open myself. and it's open in XXXXXXXX XXXX by someone. i suspect fraud by using my personal information. I contact Experian and filed dispute. THE Account Name is XXXX XXXX
Product: Debt collection

I received services at a hospital in MS XXXX XX/XX/2023. I do not have insurance, so I was expecting to be billed and I would take care of the bill. However on XXXX I received a bill from a MS collection service.phone # XXXX and in that letter it said I have a collections from a service on XX/XX/2023 from a XXXX XXXX, XXXX acct # XXXX Mind you this is only 38 days from date of service and I have not received a bill via mail, email or electronically. So I have not had the opportunity to see what this service was for or an opportunity to pay it. I called the collection company and told them I wouldnt be paying anything until I received some kind of bill that I could reference from this XXXX XXXX
Product: Consumer Loan

On XX/XX/XXXX, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with XXXX XXXX Bank in my name. That day at the dealership, I was given a XXXX XXXX Bank Note to sign and I was able to leave with vehicle. I actually signed XXXX loan notes at the dealership, the XXXX note was signed on the XXXX and the XXXX note was signed around the of XX/XX/XXXX. XXXX the notes were dated for XX/XX/XXXX and XXXX XXXX XXXX XXXX the only listed lender. However, awaiting for XXXX XXXX monthly payment statements. I received a demanding letter for payment from a different bank Santander. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only XXXX XXXX XXXX and the finance adviser at XXXX XXXX never mentioned Santander. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX on XXXX. About three months later a letter dated for XXXX, was sent by a XXXX specialist, XXXX XXXX she stated that my loan application was declined on XX/XX/XXXX, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined Santander 's loan offer. Santander illegally repossesses vehicle all the time for a profit. There is a case against them now. United States of America vs. Santander Consumer USA. Furthermore, the dealership never asked for the car back, I never received any notices of explanation from XXXX XXXX Bank or the dealership before or on XX/XX/XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and XXXX XXXX Bank is still currently listed on my vehicle title. Also, I have letters from Santader contradicting XXXX XXXX Bank claims.
Product: Credit card or prepaid card

My daughter and I were joint account holders on a Discover credit card. She did become delinquent, and I paid the account off and closed it in XX/XX/2018. They are still reporting to credit agencies that we are carrying a balance and it is delinquent, and state the balance increases each month when it was paid in full over six months ago. I did write them a letter requesting they correct it, well over 30 days ago, but Ive had zero response from them.