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

Im stuck financing a car with a XXXX % interest rate because i didnt know to much about interest or value or cars back then now that i know i want to get out of it within the last year I 've paid {$4800.00} in interest amd little to {$800.00} towards the princlple ... Dealerships tell me they cant buy my car until I pay {$5000.00} towards the interest I paid {$15000.00} towards the car and currently at {$14000.00}. I do n't have the money to keep making the $ XXXX monthly payments so was thinking of going to a side dealer, they told me they 'll give me {$7000.00} because thats what they could buy it at the auction for. This would leave me with the negative balance of {$7400.00} to pay back ontop of what theyll give me XXXX {$9000.00} Car im looking into ). I considered this option to see of it 'll get me out of the deal with this terrible interest rate im literally stuck with this interest rate and high payments to where i cant even pay extra towards the principle.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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: Debt collection

About XXXX years ago, I paid the debt below in full : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of birth XX/XX/XXXX Account number : XXXX Reference Number : XXXX On XX/XX/XXXX I received a letter from and spoke to XXXX XXXX of XXXX XXXX XXXX and stated debt was paid years ago and not to contact me. 

On XX/XX/XXXX I called and said I do not owe the debt and not to contact me by any method. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Legitimate Real Estate Agent XXXX XXXX XXXX contacts me and says he has a buyer for my XXXX timeshare. He says I have to send a cashiers check or postal money order to XXXX XXXX XXXX, a title company in California to have the title search report done on my timeshare. I send XXXX via Postal Money orders off my debit card to XXXX and as soon as I do this, I get another email from XXXX XXXX saying there is a problem and he needs to send a courier to me to sign the documents in person and then I 'll get my money. When I try and call him or email him, all phones are turned off and XXXX is now off the " Online XXXX '' which I later find out is fraudulent in and of itself and I 'm out my money. I file fraud complaint with Charles Schwab Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting late on my credit report with EXPERIAN. 
I have disputed this information with EXPERIAN and it continues to show as accurate information. UNDER 15 usc 168 ( a ) ( 6 ) ( b ) ( iii ) I am requesting the validity and accuracy of this investiagion in writing. As this is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at opened at XXXX on XXXX under the account number XXXX, XXXX opened on XXXX, XXXX  XXXX opened XXXX on XXXX under the account number XXXX, XXXX XXXXXXXX on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer XXXX credit report. I've attached a list of the hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in question as well as a copy of the consumer XXXX credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

Equifax has report inaccurate information on my account after I previously submitted a complaint. They have added several inquiries and XXXX account and another previous address that has nothing to do with me. They added the following inquiries XXXX on XXXX/XXXX/16 and XXXX/XXXX/16, XXXX on XXXX/XXXX/16 and XXXX/XXXX/16, XXXX on XXXX/XXXX/16, XXXX XXXX on XXXX/XXXX/16. This account was added XXXX XXXX and this address XXXX XXXX XXXX XXXX, XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )
Product: Debt collection

I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud.
Product: Credit card

his complaint is to determine that AMERICAN EXPRESS has committed Securities and Social Social fraud. 
Account # XXXX I am conditionally accepting your contract in that letter of a {$900.00} balance remaining on the above-referenced loan upon PROOF OF CLAIM THAT : 1. The funding of the loan did not come from the promissory note/agreement I had signed on XX/XX/year> ; 2. You did not deposit my promissory note/agreement into an account from which checkbook money was created, thus making XXXX XXXX XXXX XXXX to whom the funds were owed ; 3. AMERICAN EXPRESS can demonstrate that they were put at risk by extending the above-referenced loan to me ; 4. AMERICAN EXPRESS was/is or will be damaged if the above-referenced loan is not repaid ; 5. The interest and fees added to this alleged debt are not usurious ; 6. AMERICAN EXPRESS is not in violation of the Fair Debt Collection Practices Act 15, Section 1601, 1692, et seq.,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX 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 card or prepaid card

I have applied for multiple Credit Karma offers that were " pre-approved. '' They did hard credit pulls, hurt my XXXX XXXX, made harder for me to get a card I was actually approved for. It was false advertisement to tell me I'm approved, do a hard credit check, then deny me or offer a lesser credit card offer.
Product: Mortgage

Rocket Mortgage sent me their annual PMI disclosure notice dated XX/XX/2023. I refinanced my mortgage through them a little over two years ago. The PMI disclosure specifically states specific criteria to be met to remove the PMI from my loan even if loan-to-value ratio remains above 80 %. 

Criteria I have met include a good payment history of two years, property improvements ( shed and garage cabinetry to be installed in XX/XX/2023 ), value of home has increased since refinancing, and no liens or second mortgages have been undertaken. Despite this Rocket Mortgage is claiming I have to have a house assessment that comes in at a value that gives me 25 % equity in the house value, rather than the 80 % figure they promise. 

In the disclosure, Rocket specifically details everything above while promising that the PMI payments can be removed even if equity value is lower than 80 %. They are being untruthful and their disclosure is making false promises that are entirely unreasonable. 

I currently owe {$350000.00} on a loan financed at a home value of $ XXXX. The current city estimate comes in at {$450000.00}, to go up approximately to {$480000.00} by XX/XX/2023. All this is without home improvements I have since made. This means my current equity ownership in the home exceeds 21 %, which would legally require Rocket to terminate the PMI at my request. Again, Rocket has stated they can terminate the PMI even if over 80 % of the loan has not been paid. 

I have called Rocket about this at least three times with no resolution in sight.
Product: Vehicle loan or lease

In XXXX  2023, my car was repossessed by Wells Fargo without any prior notification. I was behind on payments at the time but never received any notices by mail or other communication methods informing me of the pending repossession or how to retrieve my personal belongings.

The car contained all of my personal belongings, including [ list specific examples if possible ]. Wells Fargo did not provide me an opportunity to retrieve these items before discarding them. 
After the repossession, I was unaware that it had taken place. Believing my car had been stolen, I filed a police report. I attempted to contact Wells Fargo multiple times for clarification but was unable to speak to a live representative because my account had been closed, and the automated phone system required an account number to proceed, which I could not access. 
In 2024, I received a letter from Wells Fargo stating that my car was at an auction. Upon contacting the number provided, I was informed that my belongings had already been discarded and could not be retrieved. 
Consequences of Wells Fargo 's Actions : Loss of Personal Belongings : XXXX XXXX failure to notify me or allow access to my car resulted in the loss of my personal belongings. This has caused significant emotional distress, as some of the items held personal and financial value. 
XXXX Penalties : My license plate was among the belongings left in the car. Due to XXXX XXXX actions, I was unable to return the plate to the XXXX, resulting in penalties and the suspension of my drivers license. 
Lack of Communication : Wells Fargo failed to notify me of the repossession or provide clear instructions for retrieving my belongings. Their automated phone system prevented me from reaching a representative to resolve the issue. 
Supporting Evidence : Police Report : Filed under the assumption that my car had been stolen due to lack of notification from Wells Fargo. 
Messages : I have messages sent to friends describing the situation when it occurred. 
XXXX Documentation : I can provide evidence of the penalties and suspension of my drivers license. 
Wells Fargo Records : Call logs from Wells Fargo should confirm my attempts to contact them after the repossession.
Product: Debt collection

On Friday, XXXX XXXX, XXXX, I received a voicemail message from a company, Midwest Recovery Systems asking me to call back for a very important message. I called back thinking this was the company that had been calling to reach another person with the same last name. I was going to ask them to again remove my number from their database. When I called, XXXX XXXX answered and asked was I calling from xxx-xxx-xxxx, I said yes, she then, asked for XXXX XXXX, I said speaking. She said that she had an important business matter on her desk that I needed to resolve and wanted me to confirm some personal information. She first asked for my date of birth, I asked her what company she was calling from and she said that she already told me that information. I said 'I am not confirming or giving you any information until you can tell me the nature of this call '. She said that she could n't tell me anything until I confirmed information. I then told her 'that I am not giving her any information ' and was in the process of telling her not to call me again when she rattled off " I am trying to help you, I do n't have any collectors calling me, all my bills are paid. I do n't need you to tell me anything, I have all your information right here in front of me. Your DOB is xx-xx-xxxx and your social security number is xxx-xx-xxxx. At this point, she was being very belligerent and was overtalking me, I could n't get a word in. So I said do n't call me again and hung up. I was very upset and angry. I could n't understand why she was being so ignorant and aggressive. I called back and got a different representative by the name of XXXX XXXX. I said that I was calling back to get the name of a representative ( I did n't write it down initially because I did n't think I would need to. I thought it would be a simple remove my number from your database call ). I just talked to about 5 minutes ago so that I could file a consumer complaint. I said if you ca n't help me just let me know and I will find another way to make my complaint. She said quickly, that the employee was right and that by law they ca n't give any information without knowing that they are speaking with the correct person, but that she could connect me with the employee 's supervisor. XXXX XXXX came on the line and I explained to him why I was calling. He also wanted to tell me what they could do by law. My response to his statement was, 'I never gave or confirmed any information to the representative. She was being very aggressive when the call did n't go the way she wanted and blurted off to me a date of birth and a social security number. For one of your company employees to claim to not be able to answer a simple question about the true nature of the call without confirming personal and protected information, but in the same conversation give personal and protected information on someone they suspect to be the correct person is a contradicton. And I am sure is in violation of some law of credit/collection practices. ' He gave me the employees name and I informed them that I would be filing a complaint on the business for harassment.
Product: Checking or savings account

I was banking with BMO over a year since XXXX and had funds transferred from my factoring company to the checking account up until XX/XX/XXXX BMO fraud department froze my account withholding my funds stating that it was fraud I provided all information within allotted time. They said they issued a check XX/XX/XXXX for the remaining balance of close to {$6000.00} I have yet to receive the check. we are now going into 7 months of my money being withheld and has cause me my livelihood I had to move couldnt pay my rent and bills on top of having a severe medical condition. I need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  , DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX Balance Owed : {$140.00} ; XXXX/XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; Medical XXXX Balance Owed : {$47.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXXL XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXY XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit card

On XXXX  XXXX XXXX. My chime credit card was charged at XXXX trip and I started a dispute with XXXX also chime but chime denied my dispute and XXXX couldn't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is not bonded in the state of Texas ; and they are reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX and 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 my written instructions
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed inaccurate information reporting, these accounts are all reported differently o each credit bureau.How can i have 3 different balances reporting, 3 different past due amounts reporting and according to the FCRA ( U.S.C. 15 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) it is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unauthorized inquiries not authorized by me i am filing a complaint that these account inquiries be removed : XX/XX/2021 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX/XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXX has violated my rights. 

According to the 15 US 1681 Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Product: Credit card or prepaid card

I have a XXXX XXXX Credit Card with Comenity Bank. For the past week the Comenity site has been down due to 'system updates '. I have had no way of accessing my account, viewing my balace or making payments. Trying to reach out to customer support has proved fruitless. Comenity never contacted me, or anyone else from what I can tell, to let us know there would be sustem updates and they are not providing answers or solutions or a date when the site will be back up. This has been beyond frustrating and the only information I could find is that they seem to have been bought out by another company, but I was not made aware of this change. This company 's practices are deceptive and predatory. My only hope is that the site will be up again soon so that I can pay off the balance and close out the account. I do not need the kind of stress this company is offering.
Product: Credit card

On XX/XX/2023 I reported that my card was stolen and that three transactions were made by someone else. The charges were {$630.00}, {$410.00}, and {$61.00} which were done back to back at the same MAcy 's on the same day. The fraud department said they would investigate. I however received a letter with no details on their findings, stating I'm responsible for these charges. I didn't make these charges and am a victim of fraud. In addition, I have been calling this company because they are expecting me to make a minimum payment which is extremely high because of the fraud charges. I am always on hold forever and this issue remains unresolved