23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have a permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC, XXXX, and Attorney General compliant..
Product: Payday loan, title loan, or personal loan

I am writing to bring to your attention a series of incidents involving TitleMax, which have resulted in multiple violations of the Equal Credit Opportunity Act ( ECOA ) and unfair loan practices. I would appreciate it if you could forward this complaint to the appropriate department for investigation and resolution. 

On XX/XX/XXXX, I took out an initial loan from TitleMax. At that time, I specifically requested a change in the due date to the XXXX of each month, as agreed upon with an in-store representative. However, despite this agreement, TitleMax failed to make the necessary adjustment, resulting in overpriced interest charges on the loan. 

In an attempt to rectify the situation, on an unspecified date, I made a larger payment of {$800.00} towards the loan. I explicitly requested that the remainder of the payment be applied to the principal balance. Regrettably, TitleMax disregarded my request and instead applied the payment as an additional interest payment, further exacerbating the financial burden imposed upon me. 

Recognizing the need for a change in the payment date, I contacted TitleMax on XX/XX/XXXX, requesting that the due date be shifted from the XXXX of each month to the XXXX. To my surprise, I was informed by a female representative at the store that I would need to refinance the loan to make this change. She directed me to go online to initiate the refinancing process. In compliance with her instructions, I made an additional payment of {$600.00} to complete the loan refinancing, expecting to achieve the desired due date change. Unfortunately, the result of this transaction was a due date set once again for the XXXX of each month. 

In an attempt to gain clarity and obtain copies of both the previous and new loan documents, I visited the TitleMax store on XX/XX/XXXX. To my dismay, the same female representative who had previously instructed me to refinance the loan denied my request for loan documents, preventing me from fully understanding the terms and conditions of my loans. 

These events have left me significantly disadvantaged, both financially and in terms of my rights as a borrower. I firmly believe that TitleMax 's actions constitute violations of the ECOA and unfair loan practices, as they have consistently failed to honor agreed-upon due date changes, misapplied payments to the detriment of principal reduction, and denied access to loan documents.
Product: Credit reporting or other personal consumer reports

transunion report number XXXX refuse to block and remove account over 9 years old all police reports has been sent them and steal refuse to block and remove and place account back on report after delete i was never notified it being place back on my report ftc report number XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am a victim of identity theft, and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please have Transunion remove this information at the earliest possible time. The fraudulent accounts appearing on my credit report are XXXX BANK, XXXX XXXX XXXX  and XXXX BANK XXXX XXXX. 
I contacted Transunion to have the fraudulent information, but they completely neglected to act. 
My online Transunion account does not even work properly ; I can not check or submit a new dispute. I get an error message from Transunion every time ( Picture attached ). I tried to resolve it over the phone but a customer service representative who could not speak proper XXXX and her child was crying in the background ( XXXX/ From home representative ) falsely claimed that the issue has been resolved. Transunion has immense power to influence millions of American lives, yet they do not seem to care about doing their work properly or honoring the law, The Fair Credit Reporting Act more specifically in this case. 
XXXX and XXXX already removed the fraudulent accounts, but Transunion failed to do so. Negligence from Transunion is hurting my life and bringing hardship to it, Transunion is in clear violation of section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act. Please have Transunion comply with the Fair Credit Reporting Act and remove/block this fraudulent information from my credit file that resulted from Criminal Identity theft. 
I have attached the Identity Theft report, the Police Report, my Transunion credit report ( With the Fraudulent information highlighted in yellow on the Transunion Report ), proof of Transunion online account error and proof of my identity to this inquiry. Please do not hesitate to ask me for any additional information that could be of use to you. 

Sincerely yours, XXXX XXXX
Product: Vehicle loan or lease

I currently am still being forced to pay on a Lemon Car that was sold to me from XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX. My car was financed through a loan vendor called Western Funding Inc. I payed a down payment of {$1900.00} and Im currently paying {$200.00} to pay off my car. Now the dealership that I purchased the car from did not inform me that the car will practically break down in two months due to the car having built in sludge in the engine. My car did come with a 2 year warranty but is practically useless due to the fact my car is broken down because of built up sludge in my engine which caused a whole in my engine. I was informed by my Warranty company XXXX XXXX that due to my car being caused to break down from Sludge it is not repairable by the warranty therefore I would have to come out of {$6000.00} just to get my engine fixed. Mind you the car XXXX  XXXX XXXX was sold to me with the pay off balance being {$6000.00}. Now my issue is, Im stuck paying on a Car note and paying back a loan for a car thats not drivable, due to lack of professionalism and trust from XXXX XXXX XXXX. I dont want to repo my car as that will damage my credit. The reason I purchased a car was to build my credit, made all my payment on time. I need answers on the best way to resolve this. I cant trade in my car, because XXXX XXXX XXXX says they no longer do trade ins. Ive contacted everybody including my warranty, dealership, and Funding of the bank. Nobody is really giving me an reason. Very stressful knowing my credit is on the line.
Product: Checking or savings account

My girlfriends nephew who's XXXX years old had came over for the weekend and stole me and wife 's card info. He made several purchases for XXXX using several of our cards. We noticed several transactions that looked like they were sent to some company in XXXX. I tried to contact Chime bank to let them know the transactions were unauthorized the date they took place XX/XX/XXXX. They still let the transactions go through and then there were several made after I informed them of other transactions. I never made the transactions or received any goods or services. My claim was denied and I was told because the same ip address was used. I tried to dispute again and sent in paperwork I also contacted merchant where funds were sent and was told they're unable to issue refunds but the person who's account the funds were sent to was shut down due to fraud. They gave me a case number to submit to person working on my case but chime said there isn't a way for us to speak to complaint department. 
The date I notified bank of unauthorized transactions was XX/XX/XXXX. The bank asked me to complete written fraud report and still denied my claim.The bank didnt ask me to file police report or handle with merchant. The transactions were as follows : XXXX XXXX {$100.00} XX/XX/XXXX. XXXX  host XXXX {$210.00}. XXXX  host XXXX {$210.00}. XXXX host XXXX {$280.00}. XXXX  host XXXX {$350.00}. XXXX {$59.00}. XXXX.eu {$49.00}. The total of the transactions was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 usc 6802 no transactions are permitted. 15 usc 6801 a.b.c no public information, Right to Privacy Act 1978 consumer law protects me. The GLB Act allows me the right to opt out. I did ask for them to remove them and customer service by law they had to report them. I asked to speak to supervisor or manager and was put on hold and call disconnected, I text one of the finance managers and told them the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX was paid in full # XXXX. Still shows a balance due. 
2. XXXX XXXX # XXXX still reflects I " disputed '' the account which I NEVER DID. I sent written proof the account is in " forebearance '' but it was not acknowledged & this continues to be a problem. 
3. XXXXXXXX XXXX inquiry is officially outdated as of XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX - the XXXX sent a letter to Experian on XX/XX/XXXX to remove it which stated it was " an error '' on their part. They also sent electronic correction for it to Experian. The item remains on my credit as of XX/XX/XXXX. I called the XXXX today to report the issue as unresolved. They're contacting the credit reporting dept. who made the error on Monday to get it resolved too.
Product: Credit card or prepaid card

Denied me because of my credit score and Discrimination.. 

They have kids working in the underwriting Please confirm and check into this.
Product: Mortgage

To whom it may concern : We started our home mortgage qualifying process in XXXX 2016. We expressed CLEARLY to our loan officer, XXXX XXXX, ( NMLS # XXXX ) of Barrett Financial ( NMLS # XXXX ), that {$1800.00} was our max payment budget. 
At that time he pre qualified us for up to {$310000.00}. We found a home we LOVED. The contract was accepted on XXXX XXXX, 2016 with a close of escrow date of XXXX 2016. 
We proceeded as directed to pay for and have a home inspection and termite inspection done for the amount of {$300.00}. 
In Arizona we have a 10 day inspection period and during that time for any reason should the buyer cancel, the full earnest deposit is refunded. We had deposited {$1500.00} into escrow as an earnest deposit. 
We received our INITIAL DISCLOSURES ( attached ) on XXXX XXXX, 2016. 15 days prior to our scheduled closing date. 
We were shocked that our payment was going to be {$1900.00}. We immediately wanted to cancel the transaction, however when we started to investigate, it came very apparent that if we did not proceed with this transaction, we would lose our {$1500.00} earnest. XXXX then told me if I changed my withholding on my check, I would have more money in my net pay, therefore enough money to cover the larger payment. We were told that as recently as 2 weeks prior to the disclosures being provided that Mortgage Insurance rules changed, and that FHA lowered loan limits in XXXX ... XXXX. And that was why the payment was higher. Both of which we were able to determine were just flat out lies. 
We reached out to the Loan Officer and the best he would do is change our loan from Buyer Paid Mortgage Insurance to Lender Paid, thus increasing our rate by .625 %. And poof, magic our payment is {$1700.00} But not once, did he explain how the loan would finance out over the XXXX yr term, and what the cost would be in the long run. 
We also asked XXXX repeatedly to provide us something that had been sent to us that we SIGNED that were the initial disclosures within the required 3 day period. If we missed something ; we own it and move on from the loss. XXXX NEVER responded to the request. I had another loan officer review the docs that were sent on XXXX XXXX, the documents are clearly initial disclosures. 
After some research, we have found that the INITIAL DISCLOSURES, should have been delivered to us within 3 days of the contract, as the subject property address was the only item missing from completing our application. Due to the complete disregard for Federal Compliance requirements, we paid for an inspection and sacrificed our earnest funds. 
We lost {$1800.00} by cancelling this transaction, because we were not going to feel like hostages to this loan officer, or the loan he was trying to wrap up pretty with a red bow. 
We feel that the protections put in place for the consumer were violated at our cost. 
I would like some guidance from the very Federal XXXX agency that is in place to make sure this does not occur again, and I feel that XXXX XXXX and/or Barrett Financial should reimburse us for our losses at the very least. 
Thank you for your assistance in this matter. 
XXXX and XXXX XXXX
Product: Debt collection

I sent them a debt Validation letter in the mail and didn't get a response, so i sent another letter, this time I sent certified mail, and I have proof that it got delivered. This is what i am asking for in my debt validation letter. 
1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 
2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor. 
3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt. 
5. Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws
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. 
Account Names and numbers as follows XXXX : XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 writter 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 card

I received a statement from Concora Credit, formerly Genisis Credit regarding my Destiny and Indigo Mastercards. This information advised me of a fee being added onto the card. I called Concora to discuss and they advised me it was a subscription. These are credit cards not subscriptions. Then I was told it was a reactivation fee. Again they are credit cards so they do not get reactivated. Finally I was told they were membership fees. Typically with memberships, there are benefits for the consumer. The two representatives could not give me one membership benefit to the membership for a credit card. They said the fee gives me access to now 29.9 % credit cards. I requested closing of the accounts only if they could provide credit deletion to not further harm my credit as they have already. This is robbery and taking advantage of people during a vulnerable time of inflation and a crashing economy.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX and can see there are numerous items in collections that I have no association with. There are XXXX different companies but XXXX different accounts between them. XXXX with XXXX XXXX XXXX with differing balances of $ XXXX, XXXX and XXXX and information between transunion and XXXX and XXXX with XXXX XXXX XXXX  for {$3000.00} and XXXX. 

I would like to see my signature on any contract with those companies names on them.
Product: Prepaid card

This is a Net Spend All Access Debit Card, I could not find that in the beginning questions! 
On XX/XX/year> before this occurred I had a Total of XXXX in my account. On XX/XX/year> I received a text from Net spend that a purchase of XXXX was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CT, Then I received another text that stated that another purchase of XXXX was made on XX/XX/year> XXXXXXXX XXXX CT ( same day ) Then I received another text stating another purchase of XXXX was made at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX CT ( again same day ) I called Net Spend right away and told them I did not make any of these purchases and I wanted my money back! They told me that they had to let the purchases go through before they could do anything. They would not investigate until then I had to wait a few days before I could file a claim. Then Net Spend took XXXX out of my XXXX payment of XXXX on XX/XX/year> to cover over drawn charges! I have bills to pay and I told them that I did not make those purchases! I have called them every day that I could to ask for my money I was told by Net Spend that I had to write an email to the company Net Spend to file a claim to get money to cover the lost money until they were done investigating. I wrote them the letter on XX/XX/year> and I still have nothing. I hope you can help me get my money back they owe me the amount of XXXX to my best knowledge.
Product: Checking or savings account

I called Citibank on XX/XX/2024 about two transactions that were still pending on my account ( pending dates XX/XX/XXXX for the amount of XXXX XX/XX/XXXX for amount of XXXX ) but posted on XX/XX/2024 for the amount of XXXX and the other one on XX/XX/2024 for the amount of XXXX the lady told me I double charge my card, but that was not true. She was just telling me anything because she didnt have a answer for my question. I asked the lady was she able to release my funds back to me as a credit since it had posted but still was pending she stated they dont do that and that they can Monitor my account about the activity give me a case number XXXX. On XX/XX/XXXX the 2 transactions that were pending had posted and I received my money back. I was able to use my card all the way up until XX/XX/XXXX went to XXXX XXXX came home logged into the Citi bank app and it said that my account was blocked I call to see what was going on with my account the lady told me my account was under investigation gave her all my information for a verification call told me I received a call within 24 hours. Still havent received a call or a letter resolve the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to XXXX and Transunion asking them to investigate the source of information found in my public record section of my credit report. I received the results stating it was reported by XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. I sent a letter to both the XXXX district courthouse and XXXX XXXX. Both the courthouse and XXXX XXXX has no record of supporting the results sent from XXXX or TransUnion. According to the XXXX  all information on my credit report must match and be accurate. XXXX has not public record reporting and this is a violation from XXXX AND TRANSUNION reporting false and inaccurate information on my credit report. They have not validated the information on my credit report accurately and I am asking for immediate removal of FRAUD, inaccurate public information on my credit report. I was XXXX  the time this Fraud information was attached to my name. I have sent proof to both XXXX and TransUnion showing I am a victim of IDENTITY THEFT, and I did not authorize anyone to use my name to obtain goods or services in my name while incarcerated. XXXX  XXXX # XXXX showing on XXXX is not accurate and needs to be REMOVED asap for accuracy. XXXX  XXXX # XXXX on Transunion is inaccurate and needs to be REMOVED asap for accuracy. All information must be accurate on all my reports and it's not. Please Uphold the FCRA credit laws as they should be held accountable. This is not an error or mistake me asking for the information to be immediately removed. Please see attached documents for proof.
Product: Debt collection

Signed up with XXXX they looked on their map and said I would have service they sent sim cards for family of phones I inserted 1 sim card in my phone and had very limited service I called and canceled service they said it would be canceled I got a collection bill for {$260.00} dollars I called XXXX and they told me it was out of their hands the account was closed and they already sold the debt and I had to deal with the collection agency I should not have to pay for 15 mins of trying to get service on my phone
Product: Checking or savings account

Hello, my name is XXXX XXXX and I recently have a closed account ( XXXX ) in which Wells Fargo finally paid the {$200.00} courtesy credit that was supposed to be paid out to me XXXX of 2023 at the latest. I reached out to them on numerous accounts and each time I was given the same information that there was no courtesy credit that was owed to me, completely different from what i was told in an email earlier in the year. I had to take the necessary steps to filing a complaint with CFPB just to justify that I had been lied to about the money that was supposed to be given to me. I asked when CFPB asked in the survey how everything was handled, if they could ask Wells Fargo about the miscommunication and the hassle it took to get these credentials and was not given a follow up response. Thus, I am reaching back out with a new complaint because I do not wish this to happen to anyone else in the future. And if there is any way that they manage their systems to provided up to date and accurate information, that should be implemented. I wish to ask, if there is any additional monetary compensation that could be issued to me for the steps it took for me to receive the money that was technically already owed to me? At this point, I do not feel valued as a customer with all of the loops and holes I had to go through to get this resolved. I am dissatisfied with Wells Fargo for this mistrust and think that they owe me for the unwanted stress it took for me to fight back and get what was earned to me.