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

Hello my name XXXX XXXX Im a victim of credit acceptance I have purchased a XXXX XXXX XXXX from a dealership in XXXX called XXXX XXXX their lender banking was with credit acceptance I had my car for three years I was doing my best to make the car payment my car I got repossessed in XX/XX/XXXX they took my car for a month I had to pay {$1500.00} to get it back out I called the company and explain to them that I just had a baby and I asked them why did they take my car in they were supposed to repossess any car between 3 to 5 months day did not follow the law of New Jersey this year of XXXX I found out that Credit Acceptable had got sued by Massachusetts for fraud misleading information they also were getting consumers into contract they had high interest in ratings they had hidden fees and it was repossessed in people car less than three months. I did my research about Credit Acceptable there was so many bad views about this car later Massachusetts New York Delaware and New Jersey have all took them to court because a lot of consumers was complaining about their contract some of the people that was trying to get in contact with them either the customer service will give them the runaround Not give them full information and also repossessed in people car without their knowledge California has sued them for the same thing New Jersey still have a pending on the case with a lawsuit and a settlement and I am file this claim to see if I am eligible for a settlement. I also need someone to contact me at my cell phone number XXXX the only thing I would like for this to resolve itself that I would like to get my money back from this car and go about my life Ill pay {$470.00} every two weeks which is supposed to be per month Any time that I try to dispute any negativity that they put on my credit report they will put 30 days late 60 days late 90 days late all I ask is please investigate this company and look at the reviews of this company they are scamming people out of their money repossessed and people car not being truthful about what they are doing because a lot of people are hurt behind this the docket number case is XXXX XXXX XXXX XXXX XXXX XXXX the court house in New Jersey the case is pending with XXXX XXXXXXXX XXXX XXXX this a class action against the car lender. Please dont let theses people get away I owe XXXX on my car. Im doing my best to make my payment. They are reporting to 3 credit buena every month that Im late. Im a XXXX XXXX XXXX XXXX doing my best.
Product: Mortgage

On XX/XX/2023, I received a letter from my mortgage servicer ( Select Portfolio Servicing, Inc. ), ( after my previous complaint to the CFPB ) which stated they had sent additional funds and exhausted my restricted escrow account funds. In response, I began contacting SPS to report the information sent was inaccurate and there should have been another {$7800.00} remaining in my restricted escrow. I have yet to receive confirmation of the restricted escrow balance. I have called on 6 different occasions and keep getting told there is no resolution and that a supervisor will call back within a few days. To date, I have not received any calls or other means of communication to settle this issue. When I asked to speak to a supervisor during todays call, I was advised they were too busy returning calls to take my call. As of today, SPS  has deposited {$64000.00} in insurance proceed checks from my claim and have disbursed checks totaling XXXX. The restricted escrow balance should be {$14000.00}. However, I was advised by their representative today that my current balance is {$6200.00}. 

I am at a loss to understand how this matter has not been resolved in the six months since I have brought it to their attention. Considering SPS is apparently using some arbitrary system of inspections ( which has never been explained ) to determine the percentage of completion for the repairs, an accurate escrow balance is vital to ensure that their clients receive funds that are proportional to the repairs completed. As of now, after spending over {$100000.00} in repairs out of pocket, SPS is indicating we have only reached the 25 % repair threshold ( which is ridiculous ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I exchanged messages on the purpose of buying 2 concert tickets. After all the negotiations, I sent this person half the money - {$200.00} - using Zelle and asked him to transfer the tickets to my XXXX account but it turned out that this person is a scammer and turned off the phone and stopped responding after receiving half the money. I have contacted both Zelle and my bank ( XXXX ) to see if there is any way to stop the transaction or to revert the transaction but apparently this medium of paying someone does not have any fraud protection so is a perfect medium for fraudster. Let me know how I can help provide more info so that this person stops frauding others and Zelle and others can fix this broken payment system. 

Thanks!
Product: Mortgage

CitiMortgage sold  my mortgage to  XXXX  last month. I have been paying my monthly mortgage by phone because it is a free serves from CitiMortgage. When I went to pay my monthly bill to  XXXX  by phone they are going to charge me {$15.00} for the transaction. I called customer service at both  XXXX  and  CitiMortgage  to complain about the fee and both said the standard " we sympathize with you situation '' and nothing else. The reason I choose to pay by phone is the post office has taken over 10 days to deliver my payments and with all the computer hacking I do not want to pay via internet. So CitiMortgage got to reap the benefits to my good credit rating to sell my mortgage and I lose my payment option - how can this be legal?
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 XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - XXXX XXXX and Experian - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!
Product: Mortgage

I am been working/attempting to work with Citi Mortgage on loan modification, now short sale since XX/XX/XXXX. In summary, Citi has denied any loan modification, put me in foreclosure 2 times, denied my appeals, denied an options at a court appeals hearing. I retained a lawyer to help with no outcome. I retained a company to facilitate the short sale process since XX/XX/XXXX to current. Citi Mortgage keeps asking for the same nonesense paperwork month after month to delay the process. They say confliciting information, They keep my file in one department ( retention ) for 6 months saying they want me to keep my home yet they put me into foreclusre 2 times during this process and I am forced out of my home. In 6 months of this year ( XX/XX/XXXX ) we started the short sale process, I found a buyer and the file still till this date sits at Citi mortgage. They refuse to move to the short sale department. Citi gives every excuse, keeps asking for trivial paperwork, and keeps me in the dark during the process. As of today, XX/XX/XXXX, Citi now has refused me to speak to my single pointn of contact saying they are switiching account reps and will get back with me. Citi refuses to give me names of supervisors, of phone numbers and excellation department information. I obtained a short sale approval from my Junior Lender, XXXX XXXX XXXX in 3 weeks start to finish. We submitted the approval letter to Citi and they are not working it. I have attatched copies of emails over the past 1.5 years that I have been seeking help thru Citi. You can see the pattern of repeat questions, saying they never received my documention when they did, putting me in foreclosure while they state my file is in retention and they want me to stay in my home. I have been unable to get my file escalated to a short sale in 6 months. Mu point of contact until he refused to answer my questions as of today and told me He will no longer be my contact and my account is being reassigned yet aggain ... .XXXX XXXX , XXXX. XXXX ext XXXX. I worked with XXXX XXXX on a rentention program in XX/XX/XXXX for 1 year and was denied, and they denied my appeal. XXXX. The law group handeling the foreclosure is XXXX XXXX XXXX XXXX. The lawyer I hired to help me originally obtain a retention program was XXXX XXXX. I have now obtained XXXX XXXX with XXXX XXXX XXXX who has been trying to work with Citi daily ince XX/XX/XXXX to obtain a short sale on my behalf. They /citi now refuse to access my file and answer all/any questions about my account effective today. I am asking for help. I want a short sale of my property. Citi will not facilitate. Total time workingn with Citie is now 1.5 years. All documented with my attatched documents and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proo you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account has been settled and paid. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

3. This account has been settled and paid. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account has been settled and paid. 
DEPTEDXXXX Account Numbers : XXXX XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I secured a XXXX XXXX XXXX XXXX credit card and it transferred {$2200.00} over to PayPal Credit, Synchrony Bank. This was to occur a few weeks ago. 

The loan is still showing the same amount, costing me money. 
Can you please contact them and ask them to find out why they have not applied the payment? 

XXXX XXXX XXXX XXXX making the payment to PayPal Credit is XXXX XXXX XXXX XXXX XXXX  expiration XXXX XXXX Pay Pal Credit statement show account blocked out it is XXXX
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am a consumer of the United States. XXXX XXXX ( partial account # XXXX and partial account # XXXX ) is willfully and knowingly harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it impossible for me to purchase a home for me and my children. Attached to this complaint labeled as exhibit A is proof of two violations of XXXX  XXXX harming my consumer report along with late payments on the dates of XX/XX/2017 and XX/XX/2017. I have repeatedly requested these late payments to be reported positive on all my consumer reports but XXXX XXXX insists on violating my federally protected consumer rights under title 15 chapter 41.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors. The late payments listed don't reflect my consistent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX   and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. 

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to Experian and XXXX  and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. Transunion did reflect some updates but not all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I reached out to XXXX regarding an alleged it claiming to be old and Im on {$390.00}. I ask for full investigation and the count came back as updated and is following the FCRA requirements when it comes to reporting I disputed this again on XX/XX/XXXX for this account is still reporting inaccurately asking for a factual dispute asking that they Please provide me with the method of verification used as a collection with a past due balance is inaccurate reporting.
Product: Debt collection

In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the XXXX Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for. 

A calculation of this balance, including the complete payment history for each account. 

Documentation for each account showing proof that I agreed to pay this debt. 

An Agreement for each account that grants the company the authority to collect debt. 

An updated copy of the state license for each company, including the license number. 



I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great deal of stress. 



Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. 

Fraudulent Account for {$85.00} Fraudulent Account for {$100.00} Fraudulent Account for {$100.00} Fraudulent Account for {$59.00} Fraudulent Account for {$140.00} Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact XXXX, XXXX, and XXXX and have them to remove these incorrect accounts from my credit report.
Product: Money transfer, virtual currency, or money service

I appreciate your help, earlier. 

VENMO finally reached out to me and gave a limp explanation that they were concerned that I wanted to put my money back in my bank account. They claimed to not have been able to view the scans of my drivers license... but were unable to explain why they never contacted me to explain the problem. 

However, by forcing me to loan them my money for two months, I was forced to borrow money from my ex to pay for our daughters school supplies, and she demanded I pay her back an extra {$20.00}. It was absolutely humiliating... but it was not due to any mistake of mine. 

I did nothing outside their terms of service, the bank account I used is mine, is the same account I have always taken money out of, and returned money too, any number of times. 

Moreover, I notified them if their mistake as soon as possible. Finally, nobody made any complaint about anything being wrong I know this, because Im the only person with access to that account.

Im glad that theyve agreed to let me have access to my money, but that doesnt make me whole. 

Please help me be made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX account number XXXX I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit card or prepaid card

Today, XX/XX/2019, I received a Mastercard from XXXX XXXX with my first name, and only ONE of my last names on it. It had my address in it, and I could not reach customer service. It was an unsolicited card with my address, from a bank I've never heard off before.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I was negotiating with a seller on XXXX to purchase tickets to a basketball game. They asked me to send money via XXXX to their account. I logged on my Wells Fargo app, input the sellers information, and sent {$250.00}, which was the agreed upon price. I let the seller know I sent it and then received no further communication, nor did the seller send the tickets to me. I called Wells Fargo, and finally got to their fraud department after half an hour on hold and multiple disconnections. Several bankers transferred me to other departments, etc, and I had to call multiple numbers in order to find someone that could help. It took an additional 20 minutes to file a complaint and I was given a reference number and a 10 business day waiting period.