23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account for the vehicle purchased is with Consumer Portfolio Services. 

The balance allegedly owed is {$12000.00}. 

I do not recall where or who the original loan agent is. 

When I purchased the vehicle, it had several mechanical issues. So many so, that I was not able to repair them. 

I contacted the dealership to advise they sold me a car that I can not use nor fix. Needless to say I did get a very professional response. The car was voluntarily returned a few days later by way of tow truck, which they provided. 

I was not even offered another vehicle. I lost my down payment and the car they sold me and new it was damaged. 

I asked if they would be any monies owed, and because they received there vehicle back, nothing was going to billed to me. 

Did I receive paperwork, no. Did I receive paperwork that the vehicle was returned, no. 

I will not pay for a vehicle that was inoperable and that was returned back, which they probably fixed and resold. 

I am asking, please get this deb off my report as it is there unfairly. 

Had I done damage to the car or caused anything to where it became inoperable, I would own up to my responsibility. As should the dealership for selling a lemon. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized JPMCB CARD Date of inquiry : XX/XX/2020
Product: Credit reporting or other personal consumer reports

For the past several months, I have not been able to take any action on my Equifax account and everytime I call in, they say that they need to connect with IT to address it. My account only states that I need to call when I login with no further details on how or who can help resolve the issue of needing access to my online profile.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX / XXXX company named XXXX  XXXX. Money was transferred from my account to the Company via wire for a total amount of XXXX XXXX, XXXX EUR utilizing XXXX XXXX  services. As you can see, XXXX XXXX response was to TOTALLY IGNORE their responsibility. 
It is obvious XXXX  XXXX is an ACCOMPLICE to the crime and a person assisting a thief is a THIEF THEMSELVES!
Product: Mortgage

I am filing a complaint against Contour Mortgage. Especially the unprofessional mortgage lender we had XXXX XXXX. Also against the owner. XXXX XXXX was unprofessional with giving our personal info to his friend BC they are related to us and we didn't give our permission for him to do so. Also his threat to not close our loan on the last day before BC we confronted him via text. There have been many thing along the whole process. He told my husband when he was fighting with his wife. XXXX why don't you come XXXX the XXXX out of my wife and I will come XXXX the XXXX out of XXXX. He got fired from previous company while in the process of our loan. We stayed with him BC he had our info and BC he was a friend of my brother in law. However I wish we didn't BC this was the worst experience ever. And after stay all this happened. So unprofessionally.I asked him who his boss is and his response was himself. He also called and had me almost have a breakdown BC he decided to call and team us that they denied our loan when we were already out of our other house and living with our XXXX kids at my in-laws. Who cried everyday that we were homeless. How is this funny. I had him on speaker and my in-laws flipped out on him. This is just the tip of what we went threw. I want to presume charges for the emotional pain he caused. My husband and I never have fought so much. The company signed an addendum to pay for storage in the house that they came up with. But at closing decided to only pay XXXX for movers and storage in new house of our stuff that they came up with. I had to pay {$4000.00} to sellers. I didn't agree to. They supposedly said they had a cap. However this was never relayed to us. So we got stuck with the bill. And this was the owners doing. I have the addendum that has no limit or days on it. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  continues to show I am past due on a charge off account. There are no payment no due dates and the account has been charged off and balance remains. I have tried to pay multiple times and discover has refused to accept money from me. The Date of first delinquency is past the statute of limitations. This account should not be on my bureaus.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX a property was mortgaged by borrower and co-borrower for {$40000.00} to lender ( Midfirst Bank ). The last scheduled payment to lender is XX/XX/XXXX. However, the final payment on the mortgage was XX/XX/XXXX ( see receipt ). As of XX/XX/XXXX Midfirst Bank has fail to provide a mortgage lien release and satisfactory of mortgage in a timely manner.
Product: Debt collection

I have been divorced for over 15 years, and a judgement was obtained in my married name ( I changed my name to my maiden name when I divorced ) and communication was going to an address that I no longer lived at. Needless to say I did not contest the debt prior to the judgement due to not being aware. 
The debt was from prior to XXXX, and on XXXX/XXXX/XXXX a third party collection firm filed a judgement against me. They obtained an order to garnish in XXXX of XXXX. 
The garnishment over collected in the amount of XXXX, and I was issued a partial reimbursement in the amount of XXXX. The third party collector remitted the reimbursement to my former name, which I have not used in 15 years, and additionally I have not been issued a reimbursement for the remaining XXXX to date. Even depostiing the check will present as an issue as I do not have any accounts or ID in that past name. It was changed by court order, which I told the third party collection agency and law firm over and over. 
When I attempted to obtain a verification of debt, the only thing provided to me was the judgement, not anything from the original creditor. I attempted to confirm that this was in fact my debt, and all I ever received was a copy of the judgement.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I explained I was not responsible for charges. They dropped it then double hit my credit score. The fair thing to do is remove both negative collections because I was in XXXX never should have been charged. I now have XXXX negative impacts in collections for {$600.00} when neither should have been on my score.
Product: Credit reporting or other personal consumer reports

The XXXX account was opened in XX/XX/year>2024. I assumed it was for a line of credit. The company charged my checking account {$35.00}. The next payment will become due XXXX, XXXX, 2024. After further investigations into the company and found out that it was a credit building account, it was cancelled by me on XX/XX/year>2024. The agreement was XXXX. As a result of this action : all associated or linked payment methods, and autopay will be turned off for this account. My account will be reported to the credit bureaus as closed during the next reporting cycle where applicable, I do not owe XXXX any further payments on this account and once an account has been closed, they will not be able to resume it at a later date. My account number was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.Equifax bureau was required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and611 ( 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 ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the second request, I am a victim of identity theft
Product: Mortgage

I've notified Freedom Mortgage that significant work has been done in the first year to the property and that I'm willing to pay for a new appraisal to set a new loan value. Commercially available appraisals set the value at nearly 15 % higher YoY, plus remodeling work has been done since closing. 

Regardless, I intend to cease paying PMI and have the funds to pay this loan down to 80 % LTV. I need the payoff quote as it currently stands from Freedom Mortgage. They've been deceptive and passed me from agent to agent, everybody with a different answer. I know I need a waiver from the investor because of Freedom Mortgage 's illegal " seasoning requirement '', which I did not consent to at loan origination. At loan origination, I was told PMI would end at 80 % LTV, regardless of time. They need to get the waiver on seasoning from the investor, set the new appraisal ASAP, and give me the amount required to avoid paying PMI. 

The deceptive and fraudulent practices need to end or this will be the first of more complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate information on my consumer credit report. Per the FCRA, I disputed the accuracy of the information with the creditor CREDIT ACCEPTANCE CORP on XXXX information reported is not consistent across all three CRA 's which is a violation of Section 623 ( a ) ( XXXX ) ( B ). I sent a letter by certified mail to the address for CREDIT ACCEPTANCE CORP and requested a electronic receipt for my records. The letter was sign for on XX/XX/XXXX. Per the FCRA, all furnishers of information to CRA 's have a duty to provide notice of dispute in 30 days and update any inaccurate information reported. Section 623 ( a ) ( 1 ), Section 623 ( a ) ( 1 ) ( B ), Section 623 ( a ) ( XXXX ). On XX/XX/XXXX my consumer report did not reflect that I had submitted a dispute in the comments. However, I did notice the remarks were update a month later on two CRA profiles but not all three, which was not within the 30 day timeframe. As of XX/XX/XXXX the information is still not consistent and accurate on all three CRA 's
Product: Credit card or prepaid card

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 116 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 16881 SECTION 602 A SECTION 2 : ALSO STATES THE A CONSUMNER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX  Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, CT XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency, has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
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 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 an account without my written instructions.
Product: Student loan

I have 2 federal loans and one private loan being serviced by AES. For over a years, I have been making more than the monthly minimum payment. I have asked AES by phone and in writing with each payment that it apply my payments first to interest and then extra amounts to paying down principal on each loan. Instead of doing this, it continues to apply my payments to future payments, such that my monthly payment amount is always zero dollars.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Jefferson Capital System, LLC regarding their unauthorized sharing of my nonpublic personal information with non-affiliate third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On ( XXXX ), I notified Jefferson Capital System, LLC, that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services.

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Jefferson Capital System , LLC has continued to furnish my nonpublic personal information to non affiliate third parties and consumer reporting agencies without my consent. 

The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Jefferson Capital System, LLC, complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Jefferson Capital System , LLC. 

Please feel free to contact me at XXXX or XXXX if you require any additional information to proceed with this investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 



Thank you for your time and cooperation.
Product: Mortgage

We fell behind with our mortgage payments and applied for a loan modification. We were approved for a trial plan for {$3000.00} which we completed. At one point the bank cancelled the modification, claiming that they didnt receive the signed documents, only the payments. We DID SEND THE BANK THE DOCUMENTS WITH THE PAYMENT, however the bank then decided to re-send us the documents, which we signed and returned the SAME DAY.

They then told us that since its an FHA loan, they had to submit it to FHA for the approval. Im the meantime, a Sheriff sale was pending, and the bank assured us the the Sheriff sale would be postponed and/or cancelled. FHA DID APPROVE THE MODIFICATION, however the Bank did not postpone the Sheriff sale, so the sale went forward in error.

We called the bank and they said it Infact was an error, and that we should give them some time to fix the problem and reverse the Sheriff sale, as it was their error. We waited and we kept calling. They kept telling us the problem is being worked on and would be fixed soon. WE EVEN HAVE RECORDINGS OF CONVERSATIONS WITH AGENTS AT THE MORTGAGE COMPANY, ASSURING US THE PROBLEM IS BEING CORRECTED. Specific questions were asked, and specific questions were answered in the recorded conversation. So we have that as proof. Plus we have the letter the bank sent us, asking us for payment AFTER FHA had approved it.

We decided to check back in with the bank after waiting a few weeks, and we were informed that the sale was final and that nothing was being done to correct the mistake the bank made. WE COULD NOT BELIEVE IT!! THE BANK DECIEVED US, LIED TO US, THAT THEY WERE FIXING THE PROBLEM, AND BEHIND OUR BACKS, LET THE MISTAKEN SHERIFF SALE STAND.

This is cruelty! We did EVERYTHING the bank asked us to do, we were approved twice by FHA, and the bank refused to correct their mistake which they said they would.
Product: Mortgage

I applied for a refinance on my home as they pressured me into refinancing with a quote they have on record. The appraiser they chose appraised the value of 1/2 of what they have listed. Quicken denied my refinance and raised my payments by approx. {$50.00} a month. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX University online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.