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

I bought a used car at the " XXXX '' car center lot in XXXX, California. 

On XX/XX/year>, I purchased a XXXX XXXX Sedan from the car dealership " XXXX XXXX XXXX, '' with the salesperson " XXXX. '' The car was sold for {$8000.00} with a down payment of {$3500.00}. The salesperson told me that with the down payment of {$3500.00}, the company would cover the cost of the plates and any additional fees if the DMV charged me. 

I was assured that the plates would be sent within a month. That was how the transaction was conducted with " XXXX XXXX XXXX. '' However, they never explained the interest rate for the loan until I was called by the bank and informed that the cost had doubled. Days turned into months, and the temporary plates provided to me expired. I decided to call XXXX at her personal phone number ( XXXX ) XXXX to inquire about the plates, and she told me, " Come to XXXX, and I will solve the plates problem. '' Thats how I ended up going to the DMV in XXXX XXXX, and the person who assisted me said that the person who sold me the car, " XXXX XXXX, '' had not even registered the car in the name of " XXXX XXXX XXXX. '' The car was bought at an auction, and the dealership where I purchased the car had gone bankrupt. I went to confirm this at the dealership, and indeed, it was abandoned. 

I decided to call XXXX 's personal number several times, but she never answered. This made me realize that the day I went to see " XXXX '' at the XXXX XXXX, she only gave me a false " Used Vehicle Purchase Temporary Operating Copy. '' The DMV office in XXXX XXXX told me that if a police officer stopped me, they could impound the car, as it could be considered stolen. They advised me to file a fraud and breach of trust claim with the relevant authorities. As a result, the DMV could not issue the plates and only gave me this form to file the claim. 

I decided to call the bank that financed the car, " Westlake Financial '' ( Phone : ( XXXX ) XXXX, Account XXXX : XXXX ). This financial institution confirmed that they did not have any information to provide me with a copy of the car 's registration to go to the DMV and obtain plates because the dealer had not sent the car financing contract. This financial institution has received many complaints about " XXXX XXXX XXXX, '' which had gone bankrupt XXXX months ago. However, the finance company continues to charge me for the car even though they know I can not get plates. They have done nothing about it and have not sent me my payment balance since the beginning of my payments with " Westlake, '' and yet they do nothing to resolve this problem. I have sent four emails reporting the problem, and they still have not resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XXXX Account # XXXX Amount XXXX. XXXX XXXX XXXX XXXX. XXXX, due to inconsistencies of dates and information. In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U S C 1681 Section 602 A States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've requested via online disputes as well as calling the credit bureaus to delete  XXXX  incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX  XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX. Please repair and update immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
Product: Vehicle loan or lease

I have an auto loan with Credit Acceptance Corporation. With XXXX being especially hard, I have reached out to the company on numerous occasion explaining that I had been furloughed and that I needed to either 1. change the due date on my account, 2. lower my payments, ( even if temporarily ) or 3. refinance. I told them that I was still working but my pay was extremely limited. Repeatedly I was told that I could not do any of the above and that my only option was to double up on payments. 
At the end of XXXX, they put the car in collection/repossession status and told me that they would collect any day. Being that I wanted to avoid this, I asked if I could sell the vehicle and settle the account. I was told no. If I were to sell the vehicle, I would have to pay the buyout with was {$19000.00} for a XXXX XXXX XXXX XXXX with XXXX. Obviously this is already a bad credit loan. And they insist they are trying to help people like me. But it seems they are extorting people like me. Nothing about this whole situation has been helpful. It is a decision that I have lived to regret and I wish there were more options for people like me to get themselves back on track. Companies like this dont help. They make the situation worse.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I remitted money to XXXX through SIGUE CORP on XX/XX/2024. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/2024. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Debt collection

Account is held by collections agency " BENUCK & RAINEY INC '' and the original creditor is " XXXX XXXX XXXX XXXX '' The original debt has never been on my credit until it was placed for collections and has wrongfully been placed on my account instead of the original barrow. I am an active account holder at XXXX but it is clearly current on my credit report. Contacting BENUCK & RAINEY by phone I asked for information related to this account but they did not provide it instead they offered to mail it to but they never asked for an address. Additionally BENUCK & RAINEY is either missing information about the account or refusing to carry out due diligence.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX CARD # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX DATA CONSUME XX/XX/XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has been illegally reporting to my credit report with out my written consent. I do not have a contract with XXXX XXXX XXXX. Statements from a third party is not evidence that I owe this alleged debt. I have not in writing giving them consent to obtain my consumer report and have not benefited from such illegal transaction. I suffered a great amount of actual damages that I will seek in a court of law so I can receive my remedy for such illegal transactions. XXXX XXXX XXXX Has violated my privacy rights as a federally protected consumer. This complaint is not a duplicate I will upload attachments of the account.
Product: Mortgage

The lender was supposed to start the mortgage 30+ days out. The lender left me with less than 30 days to start the loan/ for the first months mortgage. The loan closed on XX/XX/XXXX and my first loan to the mortgage is XX/XX/2024. 
The lender in their attempt to package the loan didn't allow me sufficient time to pay on the first payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond frustrated with the lack of response, action, and general understanding from the credit bureaus and the Consumer Financial Protection Bureau of my situation. I have submitted multiple disputes to the credit bureaus with no assistance. I have now submitted two claims to the Consumer Financial Protection Bureau to rectify the lack of response from the credit bureaus. Instead of doing your jobs and protecting me as the consumer you reject my claims as if Im not a real person or need assistance to draft a simple complaint. I am a XXXX  and know my rights. Something needs to be done now and I expect an actual response not a closing of my complaints because yalls lack the ability to do actual work.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, INC. ) due to inadequate customer service and unfair practices that violates Consumer Financial Protection Act ( CFPA ). Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving both of my accounts vulnerable and unprotected. Cashapp dispute resolution process was deceptive, complicated, and unfair. As they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. By those actions have caused significant inconvenience and severe financial loss, and Im currently seeking appropriate redress for these violations of my rights.
Product: Vehicle loan or lease

On XXXX XXXX at approximately XXXX such securities was delivered and put forward through the United States Post Office addressed to XXXX XXXX XXXX Treasurer received by World Omni XXXX XXXX XXXX in lieu of net proceeds issued by XXXX XXXX investor account number XXXX on behalf of XXXX XXXXXXXX XXXX XXXX this claim against such risk has been found in default without recourse under such circumstances the securities will not be demand to be restricted securities that are acquired directly or indirectly from SOUTHEAST TOYOTA FINANCE XXXX WORLD OMNI FINANCIAL CORP Under the FINRA they are committing securities and not in compliance with there FORM SF-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933.
Product: Student loan

Myfedloan, owned by PHEAA held my direct consolidated loan prior to them no longer servicing federal student loans. Prior to their terminating their student loan contracts, I requested all my payment history, and found that payments from XXXX of XXXX through XXXX of XXXX were all missing from my account. 

When I questioned them on this, they told me they had no record of these payments. When I indicated that I had payment confirmations ( for some not all, but also that those payments show up as being paid on my bank accounts ), they asked me to provide me with that info, which I did, and assured me that it would be looked into before my loans were transferred. My loans are now held with XXXX and they indicate they only have the payment history that was provided to them. Additionally, I had a {$0.00} payments from XX/XX/XXXX - until my loans were transferred, yet they don't properly reflect those as payment months. 

Additionally, iin XXXX MyFedloan wrongfully capitalized interest on my account because they treated me as if I recertified for my income driven payment plan late. In reality, a glitch occurred. I had gotten married and updated my name with social security. When I tried to link my income through XXXX 's website it said there was no match because the name from my loan servicer doesn't match that of the government records. I was then instructed that I had to update my name change with the loan servicer ( mind you, this just ocurred a month before my recertification ), which I did, but instead of extending my deadline because they had to process the name change, they kicked me off IDR, saying I recertified late, then made me reapply, and capitalized a sizable amount of interest on my account, totaling roughly {$4200.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # 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 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

The outstanding Principal Balance of XXXX of loan number XXXX was paid off on XXXX. I have been waiting for something from Specialized Loan Servicing to take to the lawyer so that the deed can be switched over to my name since I am the executor of my mothers estate. But instead they sent me a stack of new mortgage payment statements. In XXXX they sent a Mortgage Payment Reminder, my wife contacted them but they refused to speak with her regarding this mortgage despite me giving authorization many times to speak to her, since I have to continually take off of work to contact them. Now I am receiving foreclosure statements, I can't understand how a mortgage be in foreclosure when in is paid off. I took off work again on XXXX and contacted them again to let them know that the loan was paid. Now I was notified that to close the loan they wanted more monies to close the loan plus late fees for the 4 months starting in XXXX, XXXX, XXXX, and XX/XX/XXXX, but nothing was due so how could I get late charges.
Product: Mortgage

My mortgage servicer 's website is completely down and I'm not able to make a payment. I haven't received any notifications, but based on what I've learned online the company is in the midst of a cyberattack. The customer service phone number is no longer working ( when I call I get a message saying " this number is no longer in service '' ) and an email sent to their customer support address is not acknowledged. I've never been late on my payments, but am concerned that without online access or customer service answering the phone, I'm not able to send payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # XXXX and XXXX XXXX XXXX, account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Exeter Finance Ask to remove this from report due to a misreported information on credit report, also supposed sent to collection companies with different amounts. Also grossly over reported amount owed which severely affected my credit. Original Loan Debt of XXXX Car repossessed on XX/XX/XXXX. Supposedly XXXX XXXX XXXX sold for XXXX in XX/XX/XXXX. However car market had turned so they should have sold at auction no less that XXXX. Plus no deduction for GAP insurance purchased Received correspondence from XXXX, XXXX on behalf of Exeter requesting {$14000.00} on XX/XX/XXXX Received correspondence from XXXX XXXX XXXX on behalf of Exeter requesting {$14000.00} on XX/XX/XXXX Requested debt validation from Exeter and all they sent was original contract in XX/XX/XXXX Exeter sent letter later stating I owed the XXXX. 

Dispute debt with credit bureaus on XX/XX/XXXX and the outstanding balance was updated to over {$200000.00}!!! 

I have copies and screenshots of all this information I have copies and screenshots
Product: Student loan

On XXXX XXXX Sloan Servicing set a letter stating they are Re-Disclosing my student loan. They claim my term was for XXXX  months, which is not true at all. My original consolidation agreement on XX/XX/XXXX states my payments were to be paid in XXXX payments of {$180.00} and XXXX payment of {$130.00}. No where does it state that my loan can be re-disclosed to a shorter term with a vastly higher payment. They want my payment to go from & XXXX to {$1000.00} a month. I do not agree to this, never signed anything to agree to this. This is extremely unethical but not surprisingly from Nelnet or its subsidiaries. They provided bad information in XXXX the last time I filed a complaint.
Product: Mortgage

Please see previous complaint XXXX. 

Freedom mortgage did not allocate funds correctly again. TheXX/XX/XXXX payment should have been principle only and it was not. The aforementioned complaint gives all the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX XXXX ] a natural person , consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably.

In accordance with the fair credit reporting act XXXX  XXXX XXXX account # 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 that a consumer reporting agency can not furnish a account without my written instructions. 





Kind regards, XXXX XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Equifax, and XXXX - After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

This is my second time dispute this account and I have not receive adequate updates on the status of my disputes. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.