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

On XX/XX/XXXX my car was totaled when I was hit by another driver. On XX/XX/XXXX, XXXX issued an electronic payment to pay off the remaining balance of the vehicle to Mazda Financial. 

On XX/XX/XXXX, Mazda Financial attempted to reach out to XXXX and let them know that they would prefer to have the funds sent via check due to a capabilities discrepancy. On XX/XX/XXXX they contacted XXXX again. On XX/XX/XXXX I reached out to Mazda Financial after noticing that my account still showed an outstanding balance.

Over the phone, Mazda acknowledged that they received the funds electronically but claim they have had trouble accessing them due to a capabilities discrepancy. This is especially confusing considering Mazda Financial is related to Toyota Financial, who accepts electronic payments. When I called Mazda Financial and asked them for assistance ( with particular concern over the fact that a late payment from XXXX would be soon be reported to my credit bureau ), they refused to freeze the loan or assist in any way and insisted that the only thing that could be done to resolve the situation was to have our insurance company mail them a physical check overnight or to make an additional payment on my loan that might be paid back to me in 30-60 days once the payout situation was resolved.

The lack of communication from Mazda Financial has been alarming. Mazda Financial has been unwilling to work toward a solution for the consumer. I have spoken with 5 different representatives and every interaction has provided incomplete or conflicting information. While our insurance company has done everything it can to help wherever possible, Mazda Financial has done nothing but leverage a negative credit report over my head.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required- BEST EGG Personal Loan ACCOUNT NUMBER XXXX OPT-OUT MAIL TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to follow up on a letter dated XX/XX/2023, in which I formally opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to BEST EGG. This request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, BEST EGG has chosen to ignore my initial opt-out letter entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

I am now submitting a formal dispute with the following requests : 1. **Immediate Removal of Furnished Information : ** I request that [ XXXX XXXX ] takes immediate action to remove any and all information pertaining to my consumer report. This is in line with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 

2. **Compensatory Damages : ** In the event that BEST EGG willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out request, I reserve the right to seek compensatory damages. I request that BEST EGG pays a minimum of {$1000.00} for every offense of willful non-compliance. 

This dispute is filed with the expectation that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate action to ensure BEST EGG complies with federal regulations. 

I appreciate your immediate attention to this matter and request confirmation of receipt of this dispute. I trust that the Consumer Financial Protection Bureau will take swift action to rectify this situation and enforce the necessary corrections. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, C SYSTEMS Collection agency did not report any payment and still has all old information in all of my scores are different across the board every credit report company. Want me to pay to have Inconsistencies fixed {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. Premium CRED inquired pulled it about my credit and pulled it without my consent and broke the law according Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have not initiated any transaction with Premium CREDFurther, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Premium CRED for review or collection.
Product: Credit card

This complaint is related to my previous complaint against Synchrony bank under # XXXX. Senior specialist in her answer claimed that they could not detect fraud on my account. Moreover, on XX/XX/year> they charged my bank account for {$150.00} when the actual charges were only {$71.00}. Fraudulent charges were in the amount of {$140.00} which include charge of {$56.00} made on XXXX from " XXXX XXXX XXXX XXXX '' and {$89.00} made on XX/XX/year> by " XXXX ''. I am XXXX XXXX XXXX and have hearing problems and do not speak on phone on important issues. I do not want this card and do no want to shop at Sam 's club. Prices in two local XXXX stores ( XXXX and XXXX ) are much better What Synchrony bank is doing on a sysgematic basis is illegal fraud and stealing from a XXXX citizen.
Product: Checking or savings account

PNC BANK ALLOW IDENTIFY DEBT TO HAPPEN I LOST A TOTAL OF {$350.00} IM REPORTING XXXX XXXX FOR THREATING TO CALL POLICE ON ME WHEN I COMPLAINED ABOUT MY FUNDS ... THEY ALLOWED INDENTY THEFT PLUS THEN DIDNT REFUND. IM XXXX AND I RECEIVE XXXX WHICH I OPEN IN XX/XX/XXXXA TOTAL OF XXXX WAS STOLEN IN INCREMENTS OF {$850.00} every XXXX XXXX of the month since XX/XX/XXXX ... my name is XXXX XXXX XXXX my cell # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent transunion and XXXX letters on XX/XX/2021 regarding the inaccurate and incomplete items that they are reporting on my credit report and they hasn't did anything.this is my 4th attempt into getting this handle and they haven't verified anything nor deleted it.i will attached copies of the letters below
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 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.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX have violated my rights
Product: Mortgage

I filed a home modification with Caliber Home loans XXXX XXXX due to falling behind on my mortgage. I filled out the paperwork and submitted by email and fax. Several days later I call and they ca n't locate the paperwork, next time I call they have all the paperwork and the modification dept was going to review. I receive a letter stating I needed to send more information and I email the information and receive another letter not enough information- this has been ongoing for a year now. Same story they received the requested documents and then I receive a letter that they need more. I hired a lawyer and he has had the same issue with this company. Meanwhile they tell me not to send a payment because I 'm going through modification and I 'm behind. Now 8mos into this ongoing issue I am going to be faced with foreclosure because their departments mysteriously lose documents after I keep resubmitting.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX BANK XXXX Account number : XXXX ONEMAIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My previous complaint # XXXX which is closed was submitted on XX/XX/. 

From SPS you received a response where they stated " We have reviewed the call log and no consent was given to record the conversation. Because of this, we are unable to verify your claims. " However to the Attorney General of the State of California SPS wrote the following " Regarding your concern with the information provided by SPS associate on the phone onXX/XX/XXXX, we have reviewed the phone call and determined that our associate provided accurate information regarding the workout options available at the time. 

The question is why are they not telling the truth? Let me be blunt. They lied to you. 
The enclosed letter from SPS to the A.G. is the opposite what they stated to the CPFB. 

The problem I have now is SPS is trying to extort {$7400.00} from me when the balance I owe is {$460000.00}. They are threatening with foreclosure and stating that they have the right to not take my money if I don't pay this amount ( {$7400.00} ) by XX/XX/. 
I have the copy of the cashed checks for XXXX, XXXX, and XXXX that SPS cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of refinancing a real estate loan on my property, and Stewart title is erroneous inaccurately reporting incorrect public information on me stating that I have a child support judgement that is not even my name. Fortunately, I'm NOT some random XXXX who did/does NOT know who his father is/was ( XXXX XXXX XXXX ), nor have I ever been married, or had children, or been to ANY XXXX child support court! Nor am I a XXXX ( XXXX XXXX XXXX ), nor should I have, or ever been associated with some random person by the name of XXXX XXXX XXXX. There is NOTHING that is relative to my property, or address that has EVER been in the name, or related to anybody named XXXX XXXX XXXX. This is some random XXXX motivated negligent inaccurate XXXX  XXXX   XXXX, that ALL XXXX are alike!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps adding accounts that have been disputed and removed with all credit bureaus. Account amounts are not true nor accurate I was never contacted by originally debtor due to address change. I called and spoke with a rep who Did not properly ask security question to verify the call. The rep stated several accounts that had been removed by all three bureaus. I requested that the company send me these accounts that were showing active that werent disputed and removed. I made this call in XXXX and have not received this request sent validation. 

Amounts XXXX, XXXX,
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE AUTO FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting

The addresses reported on the credit report from Equifax are incorrect. These addresses were my sister XXXX XXXX. I have lived in the same house at XXXX XXXX XXXX XXXX Florida for over 26 years. Please remove these addresses.
Product: Mortgage

My loan was transferred from XXXX XXXX to Shellpointortgage servicing. I made my payment in XXXX to XXXX  for XX/XX/XXXX. Shellpoint said I owed them for XX/XX/XXXX. XXXX said all funds were transferred over but shellpoint never fixed their records. I make my payments on time every month but they keep applying them to the previous month and then telling me I am overdue on my mortgage. They also did not properly apply all of my escrow payments so my escrow account has several thousand dollars less in it than it should. I ended up having to pay my own insurances because they never paid them from my escrow account like they were supposed to. I have called both companies repeatedly and sent in proof of the XXXX payment as well as the insurance payments I have made and they still have not corrected this problem. Instead they just keep calling me and telling me I owe them more money, when in fact they owe me over {$10000.00}. I do not know what to do as this has been going on since XXXX and it still has not been fixed on their end. I did nothing wrong and I am being harassed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 5th attempt to contact Experian, and my 2nd complaint with the CFPB regarding misleading, incorrect information on my credit report and Im starting to become emotionally stressed by the fact that Experian isnt reasonably investigating and fixing this matter.

According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX ( Account : XXXX ) be reinvestigated and deleted from my credit report. Please delete this misleading information and supply me with a corrected credit report within 30 days. If for some reason your company fails to reinvestigate, I will be compelled to file a complaint with the FTC. You have not given me a detail regarding your method of verification and you still have yet to provide me with any original documentation that verifies the accurate reporting, validity, and ownership of this account. 

I have attached a copy of my XXXX credit report in order to show that this account has been deleted. XXXX conducted a reasonable investigation and subsequently deleted the account due to it not being 100 % verifiable. For the 5th time, I am demanding that Experian do the same. 

Please note that I will be closely monitoring my credit report and fully expect this to be resolved within 30 days in compliance with the FCRA.
Product: Vehicle loan or lease

On XX/XX/2021, I initiated a credit sale through XXXX XXXX to get a car. Ally financial ran my credit, making it a consumer credit transaction, the finance charge being the cost of the car and all associated fees which were paid with my credit card ( social security card ). I went into XXXX XXXX on XX/XX/XXXX and they tried to collect cash payment from me on behalf of ally financial in a consumer CREDIT transaction which is illegal. Also, there was no adequate disclosure given for the fraudulent loan they tried to get me to agree to. If the car that my credit was ran for is not granted to me then fraud has been committed pursuant to the TILA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent bank account and credit card opened in my name at XXXX XXXX XXXXXXXX. The debt on these is several XXXX dollars. I made a police report. I froze my accounts and my credit. I called XXXX XXXX XXXXXXXX easily 50 times over a matter of months after it happened in, I believe, late XXXX. Then in XXXX  when I was trying to buy a house I found out it was still on my report. So I went through the process again. I disupted the report on every single credit reporting agency. I filled out a report for fraud and to the Attorney General. I sent all the information I had to credit bureaus and the fraud form I filled out. I mailed requests through usps to the credit bureaus and to XXXX XXXX XXXXXXXX. I have done everything I possibly can to get this taken care. Last resort is getting a lawyer which I really don't want to do. XXXX XXXX XXXXXXXX told me they verified the account was fraud but yet they refuse to close the report and remove it from my credit.
Product: Debt collection

i do not owe any debt to this company we do not have any written documents or contacts stating to pay them money according to the FCRA
Product: Credit card or prepaid card

I made purchase n recieved it XXXX I returned it on XXXX as it would not turn on at all it was toaster oven as my house oven broke n I cant get someone to fix it because of epidemic. They got the item back n I cant get me credit on my Macys card n they dont answer due to epidemic yet they still take orders. Its been over 12 days n no credit back on my card I have emailed them 10 times n I get back evasive response emails with no resolution. Just we busy n working on it.
Product: Credit reporting or other personal consumer reports

I sent a request to XXXX  information on my credit report to experian because it was fraudulent. They sent me an email that they thought i didnt send the request XXXX  and that they are not going to do it. They have to remove these fraudulent accounts from my credit report by law according to t he FCRA.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an XXXX XXXX XXXX  and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX CT XXXX, CA XXXX XXXX XX/XX/2024
Product: Student loan

To begin with there is multiple issues in affect based on your options. They include : Trouble with how payments are being handled Don't agree with the fees charged Received bad information about your loan ( incorrect, incomplete, or inaccurate information ) Need information about your loan balance or loan terms The XXXX XXXX MOHELA is sending me does not reflect the conditions of my loan as post by the Federal Government. 

XXXX ) MOHELA billed a monthly cycle of {$1200.00} which they said was due on XX/XX/2023. This is in direct conflict with what the XXXX plan specified for my monthly payments. ( see attached ) Which is {$91.00} and the total amount to be paid off is {$48000.00}. An error of {$1100.00}. Please review PDF titled SAVE Repay XXXX. 

XXXX ) MOHELA Billing accounting does not show receipt of the amounts received in XXXX, XXXX, and XXXX MOHELA XXXX a XXXX letter stated they are willing to refund those amounts. I would like refunds of those amounts as offered. 


XXXX ) While MOHELA acknowledged my Income Driven Repayment plan from years prior to the XXXX XXXX repayment freeze, they have not acknowledged the transition to the SAVE- ( see attached ), repayment plan by name. 
XXXX ) Additionally, if the XXXX plan is applicable to my account, then XXXX sub components need to be articulated. 
a ) Specifics to the loan forgiveness should be documented and provided. 
b ) If the total loan balance is {$48000.00} as documented, then what are the terms and procedure for an early payoff? This should also be in the repayment terms c ) If the forgiveness amount is {$97000.00}, as indicated in the save plan it should also reflect in the accounting. 
MOHELA should confirm the accounting and address these issues, in writing. Otherwise they are encouraging default. Thank you for your attention to these matters. 

I can not address my loan repayment without clarity on these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the public record with transunion. They have claimed it is verified by the furnisher which i s US Bankruptc y court. I have corresponded with the bankruptcy court and they have verified that they do not verify with the bureau s on 3 occasion s. I have asked the bureaus for the names and phone numbers of the person or persons from the bankruptcy courts who verified this item. They have not produced it. They have told me that it was verified by a third party which is not valid. Also i know that i have not signed any contract with any party giving any rights to report this invalid item to my credit report. I have also asked for any contract permitting this to be reported to my file maintained by transunion which is required by the FCRA they have not responded. I am asking for these items publicly so that transunion can not dispute that these items have not been requested for the third time.
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. Experian and TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I cancelled phone service with XXXX XXXX on XX/XX/XXXX and the account was closed. I received a letter dated XX/XX/XXXX stating that they had not received payment for {$140.00}. I paid the amount of {$140.00} on XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc. dated XX/XX/XXXX regarding Account # XXXX in reference to XXXX XXXX  account # XXXX. They are asking for {$140.00} and giving me to XX/XX/XXXX to dispute the letter. The full amount owed to XXXX XXXX  was PAID IN FULL and this IS NOT a debt.