23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XXXX XXXX, XXXX, My truck XXXX XXXX XXXX XXXX XXXX was wrongfully repossessed by GM Financial. I was in a Chapter XXXX bankruptcy and I entered into an agreement with GM Financial which stated on page XXXX ( please see attachment ) of the court order if I am past due XXXX payments, GM Financial is to send me a correspondence giving me 14 days to cure the default or the vehicle would be repossessed. I received a call from GM Financial on Saturday XXXX XXXX, XXXX but since I was at a church event, I could not answer the call nor did the person leave a voicemail. I never received notification from GM Financial stating the payment was past due. I received notification the day the truck was repossessed from the court stating there was a motion to repossess to truck. The truck was already gone by the time I received this letter. Since this incident, I filed a lawsuit against GM Financial. During the last court date on XXXX XXXX, XXXX, the judge dismissed the case stating it was out of his jurisdiction because the court order was from Bankruptcy court and I would need to handle matters there. GM Financial 's attorney, XXXX? ( Her last name was not visible on the court order ) immediately started lying to the judge before he dismissed the case. She was also irate and confrontational because I decided to file a lawsuit in XXXX, almost 6 months after the repossession. She lied about the truck being sold by GM Financial after my bankruptcy was dismissed. The truth is I never received I never received notification from GM Financial about a past due payment prior to the repossession as agreed in the approved court order, the truck was sold on XXXX/XXXX/XXXX, and my bankruptcy was dismissed on XXXX XXXX, XXXX. I was n't clear if she was trying to say there was a statute of limitations in regards to a case such as this but GM Financial was wrong and took advantage of my situation. On the day the truck was repossessed I called GM Financial and spoke with several representatives who confirmed no letter was sent advising of the past due payment. Also, I planned to pay on that day because I was paid on that day but decided to leave GM Financial and not do business with them anymore.
Product: Credit reporting or other personal consumer reports

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

I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

Account Name : 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 XXXXXXXX XX/XX/year>
Product: Debt collection

To whom it may concern : I have received the response from my CFPB complaint regarding not receiving documents from you. I still dispute the fact of receiving anything from Portfolio Recovery Associates ( PRA ) in XX/XX/XXXX. However, I was able to do some research based on your response to CFPB. 

We ( Myself and PRA ) were in communication regarding the XXXX XXXX account back in XX/XX/XXXX. In fact, once I was able to research my notes and email, I see several concerns as I did in XXXX. First off, back in XXXX, I altered you this account balance was possible fraud. I had requested payment history, account history and summaries, along with any detailed transaction history that may be obtained. 

Please note, as I stated in XXXX and now, I had fraud on another store card back in XX/XX/XXXX-XX/XX/XXXX. This fraud was on my XXXX XXXX card. I believed then and now that my XXXX XXXX balance may too reflect fraudulent charges. XXXX/ XXXX was able to obtain my purchase history and upon investigation, they determined the fraud charges. 

When XXXX XXXX first contacted me, I informed them of my then current situation with XXXX and requested the same documents I request now. In fact, at XXXX XXXX, I spoke with XXXX XXXX ( XXXX, ext. XXXX ) back in XXXX per my notes. 

No documents were sent upon my multiple requests. My account was sold/ moved to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. I made the same requests and that company stated they were pushing it back to XXXX XXXX. 

Per my notes, I spoke with XXXX at PRA on XX/XX/XXXX. XXXX said the at the time that the account records have not hit her system yet. She stated it would take a week or so at that time, but she would call me once they records were obtained. 

She also gave me the contact for XXXX XX/XX/XXXX ( XXXX ) and stated I could get some information from there as well. I was contacted in XX/XX/XXXX from PRA. Again I asked for documents of the account. I was told to dispute the account PRA by emailing XXXX. I sent an email on XX/XX/XXXX with the dispute. 

XX/XX/XXXX I received an alarm from my credit card company stating a change on my report. PRA has marked me as delinquent account. I submitted a complaint to CFPB. 

I have been more than patient and tried to contact research this account with XXXX XXXX and PRA several times in the past, as you can see above. I again, plead to have a copy of the account payment history, and any transactions that are archived. This is unfair to post to my credit report as I have stated this account has fraudulent charges/ balance on the account on numerous occasions. 

This is causing my severe mental destress and increasing the number of XXXX XXXX I am being treated that are being medically treated. I have done everything in my power to request documents from XXXX XXXX and PRA. 

Please send me the information requested so I am dispute the fraudulent charges. Please contact me by email ( XXXX ) or by my address on file. 

Thank you, XXXX
Product: Credit reporting

Equifax continues to breaks the laws and commits numerous FTC violations regarding my credit file. I opt out from promotional inquires XX/XX/XXXX. I placed a credit freeze on my file XXXX XXXX. Not only have Equifax allow my credit file to be pulled by unknown companies last year Equifax continues to allow companies to pull my file after the credit block was place on my file. Equifax is XXXX of the reason I believe that my credit file has been compromise, stolen and misuse. Equifax does not protect my information. I continue to receive offers from third party companies because of this lack of security and protection of my credit file.
Product: Credit card or prepaid card

Starting on XXXX XXXX XXXX I started contacting this bank ... I had a VERY personal situation and requested that the late fees be removed. They proceeded to tell me that it can not be done and I requested a contract to prove that. They mailed me a contract which has NO CLAUSE in it stating that they can not remove late fees. I asked about XXXX, then XXXX which happened after trying to hard to work with them and then again in XXXX. I have been getting no response other that computer generated responses which have not resolved the issue. On XXXX XXXX XXXX they sent me a message telling me that the account was officially in dispute and no changes would be made to the account until the dispute was completed including any negative credit reporting. They lied, they have negatively reported and have not resolved the complaint as of yet. I would definately warn against anyone using Comenity Bank I have other cards ( accounts ) with comenity bank other than XXXX and I have had no issues with them working with me. For some reason XXXX seems to be so difficult.
Product: Money transfer, virtual currency, or money service

So I bought a hoodie from a online store and the total was XXXX . I thought nothing of it because it looked like a legitimate company and purchased on XX/XX/year>. And come to find out they are a scam and don't ship out orders frequent and I purchased using my cashapp card. I had money on my cashapp account so I decided to just use it. And several weeks past by and I haven't gotten no update on my order so I try to cancel it but there no option. So I contact cashapp and give them several pictures and documents regarding that I have not receive my order and they denied my request XXXX  times. Saying the merchant fulfilled there goods. And I have tried contacting them and trying to explain but they do not help me XXXX bit. I honestly feel like they are not even attempting to resolve the issue because when I asked for th resources they used to solve this claim all it said was since i paid on my end everything is okay and the seller did his part which makes no sense. I got denied on the XXXX and XXXX of XXXX and contacted them to ask them what they need specifically and they told me on the phone and filed for another one and then got denied again on the XXXX which was yesterday. I am not gon na keep putting out all this detail and eveidence just for them to deny so I would love if you guys can help me get a solution from cashapp.
Product: Credit reporting or other personal consumer reports

I have several fraudulent and hard inquiries on my credit report negatively effecting my credit score. 

I did not authorize these hard inquiries and believe I am a victim of identity theft. 

Please remove them from my credit report as soon as possible. The following fraudulent unauthorized hard inquiries must be removed immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove all of the above listed fraudulent hard inquiries from my credit report immediately.
Product: Vehicle loan or lease

I had a new car leased through Ally Financial. I got into an accident and they were contacted by my insurance company 2 weeks after my accident and were informed that it was being totaled and that they needed to send some paperwork to finish up the process for the payout. They did not do so. Instead they just continued to say that my payment was past due. My accident happened on XX/XX/XXXX and they were contacted on XX/XX/XXXX. They are now saying that my account was open until XXXX of XXXX and that I have missed payments from XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. They also closed my account as soon as they got the payout from my insurance company and will not even talk to me when I have tried to contact them. My original loan was for {$23000.00} after paying {$500.00} payments a month for three years they still claimed I owed over {$20000.00}. The insurance company paid them out for over {$14000.00} and they claim I still owe them {$6000.00}. They took the payout and immediately closed my account without any form of contact. No phone calls or letters and no way of me knowing how much my supposed amount was left on the account. Then they updated the information on my report on XX/XX/XXXX of XXXX to show that i had late payments from XXXX of XXXX through XXXX of XXXXThis is false information. The math just does not add up on the supposed amount that they are saying i owe them.This company is a scam. I have tried to contact them several times since and have gotten no response from the company.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

I received a letter on XX/XX/XXXX from Credit Corp Solutions , Inc regarding my request to validate the debt. I then sent a letter on XX/XX/XXXX to Credit Corp Solutions, Inc informing that they failed to validate. I then receive another notice from Credit Corp Solutions today XX/XX/XXXX in my second dispute asking for information. At this time they continue not to validate and I am requesting this debt to be deleted per my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

account number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not removing this debt from all three credit unions but estimated drop off date on XX/XX/2017, please help me to resolve this issue. 
Thank you
Product: Credit card

On XX/XX/year>, I used my Chase XXXX  card to pay off a car loan. The payment was to XXXX XXXX for {$2800.00}. 

On XX/XX/year> Chase charged my account {$140.00} for a " Transaction Fee '' On XX/XX/year> Chase charged my account {$41.00} for " Cash Advance Interest '' On XX/XX/year> while reconciling my CC statement from XXXX I noticed these charges and contacted Chase bank who told me anytime you pay " ANY '' financial institution with your Chase card you will be charged a Transaction Charge as well as interest from the date the transaction occurs. This is or should be fraudulent. 

On XX/XX/year>, Chase agreed to remove the transaction fee but refused to remove the interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX  and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  if XXXX account number XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Prepaid card

I received an AMEX prepaid card for {$200.00}. I was told I could use anywhere online and in person. I made SEVERAL attempts on many different websites - websites that DID accept Amex prepaid cards. But each payment was not successful. I called AMEX 4 times and the first girl told me they blocked my card because of suspicious activity and she said she cant unblock it, the next three people said the same thing but told me I could use ANYWHERE else online. I have made over XXXX attempts on different websites including trying to add to my XXXX XXXX as they advertised I could and that didnt work. AMEX customer service was no help and has misinformation about where you can use the card when in reality I havent been able to use anywhere
Product: Mortgage

**BACKGROUND** I closed on this property on XX/XX/XXXX - my payment has been {$3100.00}, breakdown is as follows : XXXX XXXX XXXX : {$1700.00} Escrow : {$1300.00} - ( XXXX  at $ XXXX and insurance at roughly {$120.00} p/m - {$1000.00} for tax as my loan was underwritten to pay about $ XXXX in true property tax ). 

In XXXX the " True taxes '' were {$12000.00}. However, the town tax collector gave ServiceMac , LLC a tax bill iao {$4400.00}, as the previous owner 's " Aged '' exemption, in the amount {$5000.00} was applied to my XXXX tax bill by the Town. All this time, I have been paying my full mortgage payment, as broken down above. 

In XXXX, my tax bill came and it was the " true tax '' amount, plus the {$5000.00} Aged exemption, as a pro-rata charge from XXXX, increasing my taxes to $ XXXX, temporarily, to pay back the prior year 's exemption. 

I am a mortgage industry professional and understand how/why these things happen. The below is my issue with the servicer. 

**ISSUE** ServiceMac has misplaced escrow funds in the amount of {$7400.00} when they should have had enough funds to cover the first and second tax payment for XXXX as I have been contributing {$1000.00} per month in taxes since the loan originated. 

On XX/XX/XXXX XXXX XXXX, a Customer Resolution Specialist with ServiceMac , LLC advised : " When the account transferred to us the balance was {$5100.00}, but an initial error occurred that resulted in the balance showing {$12000.00}. The disbursement of {$7400.00} was to correct the escrow balance. '' - - - XXXX is incorrect. I had been paying {$1000.00} a month in tax escrows and ServiceMac only paid the taxes in the amount of {$4400.00} for XXXX, as well as having an escrow balance of over $ XXXX when the loan originated. There should have not been any adjustment to the escrow balance. 

As per the ServiceMac 's pay history - When I made my XX/XX/XXXX mortgage payment - my escrow balance was {$12000.00}. On XX/XX/XXXX - the loan service transferred to ServiceMac - XXXX XX/XX/XXXX there was an escrow adjustment in the amount of {$7400.00}, which then adjusted my escrow balance down to {$5100.00}. This was the servicer 's admitted error for which they have not corrected and subsequently raised my monthly payment by almost a thousand dollars. 

Additionally, ServiceMac sent me a {$5800.00} check and then canceled it with no notice - you will see this accounting error on the payment history. No remaining issue, other than negligent accounting practice. 

The attachments will show the correspondence with XXXX  XXXX, as well as a complete payment history for the life of the loan. I have also attached the town 's tax bills as reference.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX || Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

Over 90 days ago I sent letters to XXXX, Equifax, XXXX asking for proof of verification for the accounts that have incorrect reporting and balances. No documents have been sent to me and the information remains verified. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home  Mortgage has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from   Wells Fargo site about my principal balance.
I hope im not apart of Wells Fargo   discriminated against  XXXX    XXXX  . Because this really make no sense to me as to why  Wells Fargo is   reporting incorrect balance to make my  credit score  go down.
Product: Vehicle loan or lease

I purchased a new vehicle for $ {$23000.00} in XXXX, WV on XX/XX/XXXX. TD Auto sent me a Title to my car in their name and in the State of Virginia, NOT West Virginia and in my name as it should of been. They sent a Statement of No Interest to me dated XX/XX/XXXX where they stated in writing that " Our ownership was listed in error ''. TD Auto sent my financial institution a Lien Release/Termination Statement dated XX/XX/XXXX with the original Title ( Virginia Title ). I have called TD Auto numerous times to try to resolve this matter and have them fix the mistake they made in sending me the wrong Title to my car. They refuse to help me even though they admitted it was their error. I have been dealing with the Virginia DMV for several months trying to get the Title corrected but they want me to pay Sales Tax on the vehicle in Virginia when I already paid them in West Virginia when I bought my car. I have tried and tried to get TD Auto to correct their mistake and they refused every time I contacted them. I was told over and over again that they do not send Titles and can only send me a Statement of No Interest. If this was true how did they send me the original Title in their name then? TD Auto will not do ANYTHING to help me resolve THEIR mistake and issue me a new Title in my name. TD Auto has caused me so much anxiety over their actions. I need the Title to my car, I paid for it and I legally should have been given the correct Title.