23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
Has violated my rights. 

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

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

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

Under the FDCPA Section 807 ( 8 ) : XXXX XXXX XXXX XXXX, Specialized Loan Servicing ( SLS ), 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 c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ALL have failed to report a disputed debt to the credit bureaus.
Product: Vehicle loan or lease

SETF repossessed my vehicle stole my car while in Alabama XX/XX/XXXX and sold it at an auction according to their letter without giving me an opportunity to negotiate the debt. I received no letter by mail and this manager never called me. The amount owed on the car was only {$2000.00} after I sent them advance payments in XX/XX/XXXX. The payments were not scheduled to resume until well into XXXX and they took my advance payments as a payoff. I spoke XXXX representative and she said it was only 45 days late. I called again and I was told it was over 400 days late. I believe Southeast Toyota Finance was told by XXXX XXXX XXXX XXXX and its employees to repossess my car as retaliation for the judge order against them and more retaliation while in civil litigation. 

[ See Floyd Keith v Dekalb County School District 1:21-CV-2539-SEG-CMS ] Since I've been in litigation, they have their inhouse people to illegally track my personal information and use my social security number, make changes to any accounts without my permission. 

I was not contacted by any managers. SETF intentionally sold my car that's worth over {$8000.00} for {$3000.00} and so I wouldn't have any transportation. I believe that it was XXXX discrimination and XXXX discrimination emanating from actors connected with XXXX XXXX XXXX XXXX working in conjunction with the Veteran 's Administration to force me not to drive. Also, the city of XXXX cause I had to list this car in federal court documents. 

Southeast Toyota Finance doesn't have an email address for communication and failed to email me of any action on my account. I had no method to talk with them and they have emailed me in the past but failed to on instruction by XXXX and these other entities. SETF breached the contract by stealing my car, failing to communicate with me, violating my rights to have my car that I paid well over {$18000.00} for. They have stolen money from me by selling my car. They took advantage of the knowledge they obtained from XXXX XXXX, VA courts and other entities to zoom in and steal my car while in federal litigation. Moreover, they blocked my online login, so I could not log in to do anything. I have emails from them for notification in the past but during this time period, SETF blocked me out of online contact and they don't have an email address or customer service email to contact. SETF use phone and mail so they can trick customers and steal property without the customer having any reprisal. That's what was done to me from XX/XX/XXXX until XX/XX/XXXX. 

This is desperate treatment towards myself as a minority by this monopoly company. The principal balance on this account was already paid as of XXXX XXXX {$4300.00}.
Product: Credit reporting or other personal consumer reports

I requested again the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to remove credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

Summary : Cash back from refinance sent in uncashable check form. No response from Amerisave. 

Events : Notary sent by Amerisave supervised signing of refinance with cash back on XX/XX/XXXX. Cash back, in form of check, was supposed to arrive by overnight courier after closing. The check was dated on XX/XX/XXXX and arrived three days later. An incorrect check made out to me and my ex-wife for {$100000.00} arrived by XXXX on XX/XX/XXXX. I owned the house long before that marriage, my ex-wife was never on the deed to this house, was never awarded any portion of it in the divorce decree supplied to Amerisave ( dated XX/XX/XXXX ), and all of this information was clearly and repeatedly communicated in emailed communication with XXXX XXXX ( loan officer ) and XXXX XXXX ( processor ). I immediately contacted both XXXX and XXXX when incorrect check arrived on XX/XX/XXXX asking for payment by overnight courier as written agreement states. It has been eight days and three requests and I do not have my money or any information from Amerisave. I am incurring real financial damage in the form of lost investment income due to this neglect of their agreement. Amerisave is profiting from this non-payment of agreed funds.
Product: Credit reporting or other personal consumer reports

XXXX responded to CFPB that XXXX XXXX XXXX  reporting is not on my credit reports but it is XXXX Experian and XXXX should remove XXXX XXXX XXXX  reporting immediately from my credit reports
Product: Credit reporting or other personal consumer reports

I am writing to report a dispute regarding inaccurate information on my credit report with Experian. On XX/XX/XXXX, I initially contacted Experian concerning the following incorrect details on my credit report. To this date, I have not received any response from them. Here are the specific inaccuracies and the necessary corrections : Account with XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account with XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Issue : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account with XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Issue : The following account was never late. Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX in regards to a collection account on my report. The account is for XXXX - a debt collector on behalf of XXXX  XXXX XXXX in regards to services received XX/XX/XXXX. Despite making payments on the account, XXXX sent the debt to collections in XX/XX/XXXX, I was notified of the debt in XX/XX/XXXX and I paid it off in XX/XX/XXXX ( receipts enclosed ). The balance was updated with Experian as paid in full. Per the changes to medical reporting by thee credit bureaus as of XX/XX/XXXX, this PAID debt should be removed. I have been blocked by Experian from disputing the account online and upon calling to dispute, there was a considerable amount of confusion with the customer service person I was speaking with. She placed me on hold several times while she attempted to gain clarification with another representative. Eventually, I was rudely told that I was misinformed and that they are not obligated to remove any paid off medical debts until after the beginning of XXXX. I was also dismissed and hung up on.
Product: Vehicle loan or lease

Financial Pacific Leasing is preying on small businesses who have been impacted by the COVID-19 pandemic and struggling due to the current state of the economy. My business entered into a loan agreement with Financial Pacific Leasing in XX/XX/2020 in the total amount of {$33000.00}. The business suffered terrible hardships as a result of the COVID-19 pandemic. A business partner/investor passed away from COVID-19 in XX/XX/2020. Then the country shutdown in XX/XX/2020 and the business was subsequently not able to operate. When the Government allowed businesses to operate again the tow truck had severe mechanical breakdowns including the engine failing and could not operate. We spent XXXX of dollars on repairing the tow truck but unfortunately it is still not operable. During these hardships I made payments to the bank in a temporary reduced payment plan and I also remained in communication with Financial Pacific Leasing by phone and emails. I even offered to turned over the equipment to them but they said it was of not value to the bank. I have been receiving collections notices demanding full payment for balance owed in several different amounts. Some notices state the balance due is as high as {$75000.00}. There is no documentation stating how they have come up with these balance due amounts and I am extremely concerned that a bank can legally charge such an exorbitant amount of interest and fees. There are several similar complaints about Financial Pacific Leasing online and there are many other businesses being victimized by their predatory and unethical lending practices.
Product: Student loan

XXXX I went to XXXX university in XXXX XXXX at the time I was XXXX years old. I wanted to do something with my life so I followed a friend to this school and the first day of class was that evening. But I had to pass a entrance exam and fill out financial aid papers. My advisor at the school was very nice all I thought I was doing was filling out financial aid papers. I didnt find out until after I graduated that the school had taken out a XXXX Dollar student loan. I wasnt aware and Im willing to take a lie dector test whatever it takes to prove my case. I cant afford to repay this loan and havent even been able to work in the Field that I went to school for. I need help if you see they just rushed everything so that I could start school the same day I filled out those papers. XXXX knows I never knew this was a loan and I never would have sign up for a XXXX Dollar loan please help!!!
Product: Mortgage

I requested and received a payoff amount from Specialized Loan Servicing ( SLS ) for loan which was good thru XX/XX/20. The amount of the payoff was {$94000.00}. A wire was sent from XXXX XXXX XXXX to their bank XXXX XXXX and confirmed several times by my bank. I sent another payoff for another mortgage loan on the same day to XXXX/XXXX. XXXX. 

By Tuesday the following week the XXXX XXXX account reflected a zero balance while the SLS hadn't. I called them on Wednesday, XX/XX/20. They said they hadn't received it and they would issue a request to their cash department to locate the funds after I faxed them the wire request completed at my bank. I was told I should also expect to hear something by XXXX. XXXX???? 

Having not heard anything and seeing online the account still had a balance, I called again the following week since it shouldn't take two and a half weeks to locate an almost {$100000.00} wire. Again I was told they hadn't received it and would place another request to their cash department to look for the funds. The cash department that I couldn't be transferred to nor could they conference call them in. 

Another week goes by, balance hasn't changed and no call from SLS. This time I had a printed confirmation from XXXX XXXX XXXX 's system that they provided me confirming that it was received by XXXX XXXX. The customer service person said her manager, XXXX XXXX, would like to see that and they would get back to me. I emailed it. This was XX/XX/20. 

On XX/XX/20 after no calls from SLS I called again and ended up speaking with another manager, XXXX XXXX. She said the wrong payoff amount was probably why it wasn't applied and that their system would immediately return incorrect payoff amounts. This was almost 3 weeks later and she couldn't confirm whether it was received or returned. I emailed her the exact payoff documents they sent me showing the payoff being the amount I sent. 

After stewing overnight I went to XXXX XXXX XXXX to have them recall the wire. They looked and said it was returned XX/XX/20. They returned {$94000.00}. {$50.00} less than what I sent. Immediately called SLS for an explanation. That was XX/XX/20. I have yet to get an explanation as to why they held my money for 3 weeks and kept {$50.00}. I want my {$50.00} back and I should be compensated for the interest I could have made and they certainly earned on almost {$100000.00} for 3 weeks.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reported accounts 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 accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Bank account or service

On XXXX XXXX 2015. I went to my local TD bank at XXXX XXXX XXXX XXXX. in XXXX Fl. 
I attempted to deposit {$220.00} in cash. The ATM returned only {$180.00} dollars. It asked me how much money was in my deposit. Since it returned XXXX dollars. I said {$40.00} it gave me receipt. I thought since the money was not organized the was the problem. I attempted the deposit again. Put in the remaining XXXX. And it gave me XXXX back. Asked again and they mistake. I said XXXX again. It was actually XXXX. The next day I went inside bank and informed them and they credited me the XXXX dollar difference. 9'days later. They took the XXXX dollar out of my account as if I did not make deposits. I have went to bank 3 times complaining. They hated filed dispute 3 times to no avail. It 's not much money mbut its my money. And I would like it back.
Product: Debt collection

The US bankruptcy court granted to re-open my case in XX/XX/XXXX. XXXX foreclosed in XXXX by Keybank due to XXXX XXXX XXXXXXXX misrepresenting the mortgage services process. XXXX XXXX XXXXXXXX used loan fraud and discrimination by failing to make an accurate and complete disclosure of payments through the Obama Administrations efforts to provide relief to my mortgage and homeownership in XXXX, XXXX. On XX/XX/XXXX, the loan bankruptcy XXXX the mortgage debt. They used deception through us a mail and by documents provided through XXXX  XXXX XXXX. On or about XX/XX/XXXX, XXXX  XXXX XXXX used an XXXX title company to notarize documents under the save the dream foreclosure prevention program. Their mortgage servicing misled me to continue making payments after the bankruptcy dischargeXXXX XXXX XXXX XXXX worked with XXXX mortgage services to hold an escrow account for KeyBank National Association for the government-approved crisis funds. The document Save The Dreams reveals not to make payments ; that loan foreclosure prevention would help clear the liens and Residential loans. 

They used documents and the XXXX system to pretext a cause for collection to deprive me of credit and finical information as they knew the housing crises I was hurt. The Chapter XXXX bankruptcy experience an undue hardship ; tXXXX XXXX XXXX XXXXy XXXX debt. Bank XXXX XXXX took advantage of me during the crisis and failed to satisfy the liens after they brought out XXXX Mortgage XXXX. Instead, they used defective During the pandemic in XXXX. My home had illegal foreclosure against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX, I brought home through the XXXX XXXX XXXX XXXX XXXX that assigned KeyBank National Association as the bank to be an indirect mortgage holder for the XXXX XXXX  XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX ) is the seller of the property in the original loan origination and original warranty deed to the land property is me XX/XX/XXXX, I signed documents at XXXX XXXX XXXX that included title insurance, homeowner insurance, truth in lending, Hud compliance document, 1003 Fannie Mae application mortgage servicer which, name as XXXX XXXX XXXX  and agreement was no assumption of the loan, XXXXk XXXX XXXX used home-retention options to discuss government assistance after my bankruptcy discharge with my mortgage servicer ( s ), including refinances and programs through Loan Modification/Affordable Mortgage Modification forbearance and forgiveness and lien release. They used the system to Financially Fraud Residential Mortgage-Backed up by government assistance. They breach mortgage contracts and process scams against bankruptcy discharge and crisis.
Product: Credit reporting or other personal consumer reports

There are multiple unauthorized hard inquiries on my credit report that need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a savings account via PentagonFCU website on XXXXThen via phone call, a Checking, Line of credit, and XXXX  with Pentagon Federal Credit Union on XX/XX/21. During that call they needed to run credit for the XXXX  and the XXXX. I asked if this was going to be 1 inquiry and was told yes. In seconds the credit was pulled and no issues. XXXX  was approved instantly as was the XXXX. I was opening all of this because they advertised a very low interest fixed rate XXXX on their web. My score is in the XXXX 's with 1 inquiry that was dropping off in XXXX With my score high and almost no debt, expected the good rate. On that same call, they came back with an outrageous rate around 15 % for the XXXX. I cancel the XXXX  application and initiated the termination of all accounts. I was going to switch credit unions but felt offended, bait & switched by them and their interest rate. A few weeks later I checked my credit report and find that they have dinged my credit twice, once for the XXXX and once for the XXXX. I called them and filed a dispute, telling them that I was told only one inquiry would take place during that initial call. The dispute has taken over 90 days. I have called multiple times and seem to get nowhere. I even told them I'm ok with one inquiry but they need to remove one. I've been told in XXXX, via a call into Customer service that the sent a letter to me with resolution but I never got it. I called back to get another sent but still no letter. These now are the only XXXX inquiries I have and would like 1 removed. I don't understand how they could ding me twice for the same institution, on the same call. They should have centralized credit instead of each department pulling credit needlessly.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. I would like to bring to your attention that XXXX has already reviewed and removed the inquiries that I initially disputed with them. Therefore, I am requesting immediate action on your part to ensure that these unauthorized inquiries are also deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. The credit bureau appears to be unconcerned with my desire to challenge unlawful items on my credit record. Because this is a clear breach of FCRA laws, I need the things removed from my file as quickly as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.