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

On XX/XX/XXXX my Lexus XXXX was repossessed. The issue I have is I have had no communication from Lexus since XXXX. My husband transferred to the XXXX Ohio area XX/XX/XXXX due to my multiple XXXX types. We transferred to the XXXX clinic and the hopes that they would save me. In XX/XX/XXXX the title was transferred to Ohio and Lexus financial receive the title. Multiple payments were made in XXXX but my XXXX  did not receive any documentation from Lexus. They have had over two years to contact me directly in regards to an outstanding balance. My husband cant make payments if he doesnt receive a statement and at the time I was clinging to death. I dont understand how Lexus can go over two years without contacting us and then they repossess my vehicle based on the documentation I received today in the mail XX/XX/XXXX. I have until XX/XX/XXXX to pay everything in full in addition to a recovery fee. I asked for an actual breakdown of the charges and receive nothing when I called Lexus financial. The gentleman was more interested in my health than helping me get my vehicle back and pay this balance. There is no possible way for me to pay {$7100.00} by XX/XX/XXXX I also need an actual breakdown of what was out on the vehicle and what is actually their late fees and charges. I dont know any auto finance coming that would go over two years without trying to make contact with the creditor. I have never tried to hide from Lexus financial or evade my responsibility. Common sense would say if I paid all this money towards this vehicle, I wouldnt not pay a few thousand dollars when I registered the Lexus in Ohio and the title certificate was sent to Lexus financial it had my Ohio address at the time, additionally, the payments I made also had my updated address listed. A simple trace also would have provided the Ohio address or pulling my credit report would also have showed the Ohio address. I just dont understand why they wouldnt reach out to me for over two years.
Product: Credit reporting or other personal consumer reports

I filed a dispute on acct # XXXX, XXXX XXXX with a collection amount of {$460.00} due to this account not being mine and not having no knowledge of this account.Experian denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results.This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed and corrected immediately as it's affecting my chances of getting { house, car, etc. }. Experian violates my rights as a consumer, as well as federal laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a payment to someone who I thought was a legitimate seller online. Payment was sent but I soon figured out something was wrong and contacted cash app to try and recover my {$240.00}. Cashapp as an automated service for this. Not once did I get to speaks to someone and for days they left me with no update only to send a automated response the day the report closed, sorry cant help. There was no transparency here, no information on when or if they even tried to recover my money. I have also XXXX  my bank into the matter but they also have not provided an update as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX IN RESPONSE TO CFPB COMPLAINT WITH EX : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX you say i am basically too stupid to come up with this letter and instead of doing a proper invesitigation you claim that im using a credit repair company. please be aware my next option will be certified mail with time stamp and lawsuit. please do a proper investigaiton into these accounts that do not belong to me instead of my letters being too smart for me to come up with. 

thanks
Product: Mortgage

I am a XXXX XXXX XXXX XXXX and I've had repeated problems obtaining payoff statements from Specialized Loan Servicing LLC ( SLS ), a mortgage servicing company based in Colorado. Recently, as instructed by the SLS website, my office submitted at least 10 e-mail payoff requests over a 2-week period to XXXX, and attached to each request an executed " Third Party Authorization Form '' signed by the applicable borrower. However, we never received even a reply from SLS, much less the payoff statement that we requested. 

We have had similar problems in obtaining payoff statements from SLS on many other occasions in the past. 

When we've called to discuss the issue with SLS, we get the run-around, so the persistent problem has never been resolved.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I submitted a complaint to the CFPB in regards to XXXX XXXX XXXX. CFPB COMP NUMBER : XXXX. XXXX XXXX XXXX responded and stated that the account will be removed off of my consumer report and contact credit reporting agencies. This account is still being recored on credit file. Please remove immediately.
Product: Credit card or prepaid card

THIS COMPLAINT IS IN REGARDS TO PAYPAL! FOR THE PAST 3 MONTHS I HAVE BEEN TRYING TO GET IN CONTACT WITH THEM FOR MULTIPLE FRAUD CHARGES AND ITEMS NOT RECIEVED CHARGES ON MY CREDIT/. BANK CARD. EVERY DAY XXXX CALL AND CAN NOT GET ANYONE. THEY SAY TO EMAIL THEM ABOUT MY ISSUES SO I DID AT LEAST 5 TIMES AND GET NO RESPONSE BACK FROM THEM! I HAVE SO MANY FRAUD CHARGES AND ITEMS NOT RECIEVED ITS CRAZY! PLEASE HELP THANK YOU
Product: Student loan

I got laid off last XX/XX/XXXX, I was not delinquent with Sallie Mae at that time. After I got laid off, with no unemployment monies, I got sick and almost died, I was in the ICU for a week. I gradually got my health back and found employment in XX/XX/XXXX but was terminated in XX/XX/XXXX due to something that was not in my control. I am currently not working, getting a little unemployment, just enough to pay my car payment and car insurance. I know this does not excuse me from my debt. I have been trying to work with Sallie Mae since XX/XX/XXXX. I had set up a auto-deduct payment, but that is when I got terminated and had to cancel my auto-deduct. They have been very hard to work with since. We spoke with their loan people about the ability to pay and my payment before I got laid off in XX/XX/XXXX was under {$200.00}, now it is over {$300.00}. I told them I could not pay that nor could my mother, cosigner of the loan. When I spoke with a Sallie Mae rep XX/XX/XXXX, she hung up on me when I told her I was making around {$400.00} every 2 weeks on unemployment and could pay nothing that day. I have spoken with a rep since the beginning of XX/XX/XXXX and she stated she could take a {$100.00} but that my payments would then be over {$300.00} and again I stated I was not working and that there was no money. She was sorry she couldn't defer/forebear. A XXXX XXXX (? ) has been calling and leaving threatening messages and stating that I have not contacted Sallie Mae when in fact you can see that I have. We have written 4 letters to them asking for forbearance/deferment and asking for something in writing and yet they continue to call and put nothing in writing for us. I would like for them to either put my account in forbearance/deferment or lower my payment to where it was before so that I can make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that Mohela corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Product: Debt collection

I called and the representative said that this debt was from an emergency room visit. I have never visited the emergency room ever.
Product: Checking or savings account

On XX/XX/22 I authorized a payment for {$1400.00} to be made to my mortgage company out of my house account. On XX/XX/22 I checked my accounts and saw that they deducted that payment but also made the same payment amount to a different part of my mortgage company out of my other account with Wells Fargo. I called Wells Fargo and spoke with two different people and they just kept repeating that I have two payment amounts to my mortgage company. I explained to them why I do and that that wasnt the reason for my call. After them telling me to delete one of the payment amounts with my mortgage company I got frustrated and disconnected the call. Wells Fargo basically refused to correct a {$1400.00} error made on their end and I am now stuck with the hassle of trying to get my money back.
Product: Credit reporting or other personal consumer reports

I am formally disputing the reporting of my federal XXXX loans on my credit report and requesting a full discharge due to a serious breach of my personal and financial information. My records were compromised without my authorization, which constitutes a violation of multiple federal laws designed to protect XXXX  data and personal privacy. Given these circumstances, I request the immediate removal of these loans from my credit report. Below are the key reasons supporting my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : My XXXX records were disclosed without my consent, violating FERPAs strict confidentiality protections.

Breach of the Privacy Act of 1974 : My personal and financial information was improperly accessed and shared
without my authorization, violating my privacy rights under federal law.

Violation of the Higher Education Act : As a student loan borrower, my information should have been safeguarded. However, the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence : The entity responsible for protecting my data failed to do so, putting my financial security at risk. 
Unauthorized Disclosure to Third Parties : My personal borrower information was shared with unauthorized entities XXXX XXXX, further compromising my privacy. 
Due to these violations, I am requesting the immediate removal of these student loans from my credit report. Please conduct an investigation into this matter and provide written confirmation of the actions taken regarding this dispute. 

Thank you for your prompt attention to this serious matter. I look forward to your response within the timeframe established under the Fair Credit Reporting Act ( FCRA ). If additional information is required, please contact me at the details provided above. 

Sincerely, XXXX
Product: Mortgage

I responded to a Quicken Loans solicitation to Refi my home. After going through an XXXX process online, the system then pulls my credit. That 's fine, I expected them to. However, it instantly came back with 'It does n't look like there is anything we can do for you '. It then says I can call our XXXX number, or chat with an online rep. I 'm not pleased because I do n't want unnecessary credit checks on my credit if there is absolutely no way to qualify. I decide to engage in a chat. Well, after talking with their representative who has the title of " President 's Club Banker '' due to his level of experience, he reviews my file. It takes only seconds for him to say, 'sorry there is n't anything we can do because you need at least XXXX % equity to qualify w/o PMI and at least XXXX % to qualify for FHA XXXX which is all he offered me '. I feel that this is so incredibly deceitful because if I had known what their threshold was for assisting me in refinancing, then I would have known that there was no way for me to qualify at this time, and therefore would not have submitted to a credit check. Instead, they bait the consumer with this possibility that I could qualify and thus proceed to allow them to damage my credit with a quite unnecessary hard pull inquiry. As a consumer, I certainly would want to try and lower my monthly payment and felt it very possible to qualify since my current loan is $ XXXX and my home appraised for $ XXXX only 3 months ago. However, based on how quickly the system rejected to extend an offer of credit, and how quickly their agent rejected to extend an offer of credit, it was quite clear that they operate within strict ( and pre-established ) guidelines that even consumers who are in a positive equity position ( like myself ) will get denied ( and frankly did n't even come close to qualifying - he said I needed at least {$35000.00} cash down at time of refinancing! Seriously? ). So, I sit here frustrated and upset that I felt baited into this hopefulness that I could lower my monthly payment and save some money to help with my other monthly obligations for my family to be in a more favorable position in our financial situation. This felt misleading and deceitful. I am trying to strengthen my credit score and this did the exact opposite. It would have been easy enough for Quicken Loans to generalize what their predetermined qualifying criteria was on perhaps their first application page ( or in the solicitation itself - clearly marked ) which would help consumers make wiser decisions upon whom to attempt to apply for an offer of credit vs. attempting to apply for an offer of credit where there is absolutely no way at all that I would be offered credit. I am very displeased at having my credit harmed when a ) there was no way I would qualify and b ) my credit was never even a deciding factor in the decision - since it was entirely based on loan-to-value criteria that was never spelled out ( or even generalized ) for the sake of educating consumers. I 'm tired of being tricked, lured and baited by these companies that do n't care if they hurt consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report, as I am a victim of a recent data breach. I believe these entries were added fraudulently without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you promptly block and permanently delete the following accounts from my report : Accounts : XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$510.00} XXXX XXXX - 68XXXX - XX/XX/XXXX - {$410.00}
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX has been purchased by a THIRD PARTY DEBT COLLECTOR. 
This account MUST be DELETED as the status is not correct, the amount is not correct and account was paid for less than owed by the THIRD PARTY DEBT COLLECTOR. 
As you can see by my attached credit report this information is not correct and not ACCURATE. There for it must be DELETED IMMEDIATELY. 
How much did the collection company pay for this alledged debt? I do not know and neither does my credit report reflect such amounts. 
This is a clear violation of the FCRA as this is not accurate or complete DELETE this immeiately. Delete XXXX XXXX XXXX.
Product: Debt collection

several months ago I had this problem of identity theft someone used my information and opened credit card accounts with different banks or entities since I was noticing in my credit report several changes with new accounts and inquiries without my authorization, I need help to solve this problem since they caused damage to my credit report and making charges in my name I need to solve this problem you are with the accounts that appear in my report without my authorization I need you to investigate and eliminate those accounts please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting  to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Auto Loan Account, XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the information reported on my credit report regarding the auto loan account with the account number XXXX. I believe that this account has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. 

Though the auto loan has been paid off, it shows 2 late payments that I was never aware of. It wasn't in my hands once the auto company took responsibility to pay off the rest of the debt owed. This account was reported on my credit report without my full consent to begin with. Which is a violation of my rights as a consumer. 

I understand that under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. I also have filed a complaint with the Consumer Financial Protection Bureau. Please notify me in writing of the results of your investigation, and when the information is found to be inaccurate, please remove it from my credit report completely. 

I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. 


Thank you for your cooperation in resolving this matter. 


Sincerely, XXXX XXXX