23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

So I tried buying my first car on XXXX marketplace from this account calledXX/XX/XXXX real name ( XXXX XXXX ) for {$4000.00} I end up paying this amount then I paid extra to have the car delivered. This person and her mom XXXX XXXX Who I paid XXXX is in on this was very hard to communicate with because how unresponsive and misleading they were saying they would deliver the car on certain days and never show up or saying I had to pay {$300.00} in order for them to give me the location to come pick it up, I ended up trusting them a couple times which is the reason why I have spent {$1000.00} more than the initial price now I have contacted the police and my bank in order to get this money back and this is not easy. Ive been trying to get my money back for almost XXXX weeks now and I havent got a cent back And I would just like my money back. on top of all this, this person made me wait outside a location after taking an XXXX to this location saying I could come pick the car up then tried to tell me I went to the wrong Location after copy and paste it from our chat, then fling your location when I show up and as I tried to get my money back. 

DO NOT PAY ANYONE ON CASH APP NAMED XXXX This person is dancing and having the time of I look her as I can tell from social media.
Product: Money transfer, virtual currency, or money service

My account access to my account and ability to you use the money on my account was frozen I was denied access to it for no expendable reason after reaching out to them continuously on numerous occasions was still denied and also the reason why I was being denied
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that do not belong to me all three bureaus have these accounts on them. I have sent them multiple letters to no avail I need to know why this is not being taken care of. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at Equifax on XX/XX/2021 about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX XXXX XXXX I did not authorize any of this inquiry. I am requesting that all above unauthorized inquiries be removed immediately from my Equifax credit report due to my identity been stolen.
Product: Student loan

My monthly student loan is approximately {$90.00} per month. Around XXXX 2017 I made a conscious decision to try to pay off my loan a little faster. So I contacted Navient and explained to them that I want my additional payments applied to my principal. They stated that they would do it but a few months later when i checked back my loan did not decrease it was practically the same. I called back and they said it was applied to future payments and i explained again that i didnt want it applied to future payments but applied to my principal but to this day they are still applying it to future payments and not my principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow up to previous complaint XXXX XXXX XXXX XXXX XXXX responded to my complaint that I have listed. Afterwards, i placed a phone call to XXXX XXXX and was told that they no longer have this account and have requested that the credit bureaus delete this item from my credit profile.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> i was approved for $ XXXX loan and received apprx {$6200.00} the rest was fees to the company. My payments are approx {$270.00} per month. As of XX/XX/XXXX my balance was approx $ XXXX after paying XXXX for 9 months totaling approx {$2400.00}. The interest rate is approx 24 % for 36 months. I feel something deceptive is occuring with the interest and fees. How is it that after paying {$2400.00} my payoff is still over $ XXXX. Each month I noticed they apply different portions of my XXXX payment to interest. This info was not made clear in the small font of the many pages of the application. I just paid the loan off early with up front interest of 36 month that I should not have to pay. In total I have paid approx {$8400.00} for a 9 month loan and initially received approx {$6200.00}. There is no way they should received XXXX in interest. I was told they charge a daily interest of XXXX.
Product: Debt collection

This collection agency was asked to remove this collection from my credit report after being paid in full and has stated that they could not remove this item. That was an un-true statement. Other collection agencies have removed the collections from my report after being asked to when paid in full. This collection agency is being difficult for some reason. I am no longer liable for this utility account.
Product: Mortgage

On the day of XXXX, XXXX I requested for freedom mortgage company to send me forms for me XXXX XXXX to apply for the deed of lieu contract.. I also contact freedom mortgage company the day of XX/XX/XXXX for The same reason and as of now I only received an a pay off stament ..The address of the property is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX I am behind on the mortgage payment and chose to proceed with the deed of lieu but freedom mortgage hasn't sent over the documents for me to get the paperwork going..
Product: Credit card or prepaid card

1. Used Chase Visa Card to purchase flights from XXXX to XXXX in XX/XX/2019 XXXX. Flights were canceled in XXXX because of Covid 19.

3. Tried to reach merchant, XXXX, many times. They are unreachable. 
4. XXXX XXXX confirmed I am due a refund as all flights are canceled and XXXX is not allowing US citizens to travel to XXXX. 
5. I placed Chargeback with Chase. Chase denied the chargeback. I appealed to reopen the case. It is reopened but now I can not get an answer from Chase. They will not respond. I have supplied them 30 pages of documents ranging from proof of cancelations, DOT regulations regarding Covid Refunds etc. 
6. I filed a complaint with XXXX XXXX XXXX about XXXX. XXXX can not help b/c XXXX will not respond to their inquiries either. I will file a XXXX complaint against Chase Credit card today,. 

I need help from some govt authority to force chase to give me my money back. Services paid for have been denied. It is fraud to keep my money and somehow chase is perpetuating this fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report # XXXX, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance XXXX {$790.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ===========XXXX : XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance XXXX {$620.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

WELLS FARGO AND XXXX XXXX XXXX XXXX HAVE INITIATED FORECLOSURE ACTIVITY AGAINST ME ON BEHALF OF XXXX FOR THE BENEFIT OF THE HOLDERS OF THE CMLT XXXX. HOWEVER, XXXX IS NOT A VALID BENEFICIARY WITH THE AUTHORITY TO DIRECT QUALITY LOAN TO EXERCISE THE POWER OF SALE UNDER MY DEED OF TRUST. THEREFORE, THE RECENT FORECLOSURE DOCUMENTS FILED ON XXXX BEHALF ARE NULL AND VOID. 
OUR FORENSIC MORTGAGE LOAN AUDITOR UNCOVERED IRREFUTABLE EVIDENCE THAT XXXX NEVER RECEIVED EFFECTIVE ASSIGNMENT OF MY MORTGAGE LOAN FROM WELLS FARGO, THE ORIGINAL LENDER. SPECIFICALLY, WELLS FARGO SOLD MY MORTGAGE NOTE AND DEED OF TRUST IN XXXX, FOR FULL LOAN VALUE, TO XXXX AS INDENTURE TRUSTEE FOR THE CMLT XXXX MORTGAGE-BACKED SECURITIES TRUST. FOLLOWING THIS SALE, WELLS FARGO LOST ALL TITLE TO, AND INTEREST IN, MY MORTGAGE LOAN. NEVERTHELESS, IN XXXX, XXXX, WELLS FARGO EXECUTED A CORPORATE ASSIGNMENT OF DEED OF TRUST ATTEMPTING, ONCE AGAIN, TO TRANSFER MY DEED OF TRUST, BUT NOT THE NOTE, TO XXXX AS TRUSTEE FOR THE CMLT XXXX TRUST. WELLS FARGO ATTEMPTED THE ASSIGNMENT TO XXXX XXXX 6 YEARS AFTER THE CLOSING DATE OF THE TRUST ( XXXX XXXX, XXXX ) BECAUSE THE TRANSFERS AMONG THE PARTIES TO THE SECURITIZATION TRANSACTION WERE MADE WITHOUT THE REQUIRED ENDORSEMENT OF THE NOTE. THE XXXX ASSIGNMENT WAS A SCHEME DEVISED BY WELLS FARGO AND XXXX TO COVER UP THE BOTCHED SECURITIZATION IN XXXX. XXXX ACKNOWLEDGES THAT A BORROWER IS A PARTY TO THE SECURITIZATION TRANSACTION. THEREFORE, I HAVE THE RIGHT TO RAISES DEFECTS IN THE ATTEMPTED SECURITIZATION OF MY LOAN. SEE ATTACHED US BANK BROCHURE. 
ASIDE FROM THE FACT THAT WELLS FARGO HAD NO INTEREST IN MY MORTGAGE TO CONVEY TO ANYONE IN XXXX, THE CORPORATE ASSIGNMENT IS INVALID, NULL AND VOID FOR THE ADDITIONAL REASON THAT ONLY MY DEED OF TRUST WAS PURPORTEDLY TRANSFERRED TO XXXX. ASSIGNMENT OF THE SECURITY INSTRUMENT WITHOUT THE DEBT ( NOTE ) IS A LEGAL NULLITY. THIS IS BECAUSE THE SECURITY INSTRUMENT FOLLOWS THE NOTE BUT NOT VICE VERSA. THIS HAS BEEN THE COMMON LAW RULE FOR OVER 100 YEARS. SEE IN RE STAFF XXXX., XXXX XXXX XXXX XXXX, XXXX ( XXXX. XXXX ) ( IN CALIFORNIA, " [ A ] DEED OF TRUST IS A MERE INCIDENT OF THE DEBT IT SECURES AND ... AN ASSIGNMENT OF THE DEBT CARRIES WITH IT THE SECURITY '' ). " AN ASSIGNMENT OF THE NOTE CARRIES THE MORTGAGE WITH IT WHILE ASSIGNMENT OF THE LATTER ALONE IS A NULLITY ''. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX. ACCORD XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX, XXXX ; UCC ARTICLE XXXX ( G ) .THE COMMON LAW RULE HAS BEEN CODIFIED IN CALIFORNIA STATUTORY LAW. CAL. CIVIL CODE SECTION XXXX ( ' [ T ] HE ASSIGNMENT OF A DEBT SECURED BY MORTGAGE CARRIES WITH IT THE SECURITY '' ). 
THE FORENSIC AUDIT OF OUR MORTGAGE LOAN ESTABLISHES CONCLUSIVELY THAT XXXX NEVER RECEIVED AN EFFECTIVE ASSIGNMENT OF MY LOAN AND IS NOT OTHERWISE A " PERSON ENTITLED TO ENFORCE '' MY MORTGAGE WITHIN THE MEANING OF THE ARTICLES XXXX AND XXXX OF THE UCC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  appears on my credit-report ; Requesting the inquiry be deleted. Already removed from my  XXXX  credit-report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES ( Experian, a XXXX, and XXXX ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2.  UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.
Product: Credit reporting or other personal consumer reports

Sent letters to XXXX through USPS XXXX XXXX asking to remove JPMCB AUTO XXXX XXXX Then I sent another letter XXXX XXXX askjng for proof that they investigated and found the information they are reporting to be true and they havent responded in the 30 days. They havent removed the false information from my credit.
Product: Debt collection

I had taken a loan out from XXXX on XX/XX/XXXX. I had made one payment towards the balance.. I was fully aware of the collection calls. However, On XX/XX/2019 at XXXX XXXX  The Manager by the name of XXXX i dont have his last name came into my store, in front of my employee and myself he blatantly asked me if i had any intention of paying on the account. I told him this was harassment and illegal he scoffed it off and continued to ask and harass me about my account. As he was walking out the door he said he didnt care I was going to collections anyways. Threatening to place someone into collections is also against the law. This gentlemen has upset me and completely broke the law. He did violate the law and now i have to work next to him every day next door wondering if he is going to come into my store and harass me further. I would like to be updated on this as quick as possible. I am severely hurt and upset by this. He broke federal laws and something needs to be done!
Product: Credit reporting or other personal consumer reports

What happened is that my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws have been violated in several ways, and these issues need immediate attention. Heres what I experienced : Willful Noncompliance ( 15 U.S.C. 1681n ) : You reported inaccurate credit information about me without verifying its accuracy. This is a clear violation of my rights, and I am entitled to remedies for the harm caused.

Failure to Disclose Opt-Out Rights ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ) : I was never informed of my right to opt out of having my personal information shared. This omission is deceptive and violates my rights as a consumer.

Inaccurate and Unverified Reporting ( 15 U.S.C. 1681s-2 ) : Late payments and other inaccuracies, including unvalidated accounts, were reported on my credit file. This includes XXXX, where late payments were reported despite my account being under deferment during XXXX. 

Debt Collection Practices Act Violations ( 15 U.S.C. 1692g ) : Debt collectors, such as XXXX XXXX and XXXX XXXX XXXX, reported debts without proper validation, causing me unnecessary harassment. 

Unauthorized Third-Party Disclosures ( 15 U.S.C. 1692b ) : My debt information was improperly shared with third-party credit reporting agencies, which is against the law.

Deceptive Late Payment Reporting : Late payments were reported without providing clear definitions or validation, creating inaccuracies on my credit report. 

Failure to Accurately Determine Finance Charges : Finance charges were not correctly calculated or disclosed, which is a legal responsibility of the reporting agencies. 

Violating Permissible Purpose Rules ( 15 U.S.C. 1681b ) : Certain accounts and inquiries were added to my credit report without my consent, which violates the FCRAs permissible purposes rule.

Additionally, two addresses on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrect and must be deleted. 

I have also requested that the following accounts be validated or deleted if validation can not be provided : XXXX : Update the account to reflect Pays as Agreed due to deferment during XXXX. 
XXXX XXXX : Delete this account due to lack of validation. 
XXXX XXXX XXXX : Remove this account for the same reason under 15 U.S.C. 1692g. 
XXXX XXXX XXXX : Delete due to a violation of validation requirements. 
These violations have harmed my creditworthiness and caused undue stress. I expect these errors to be corrected promptly. If you fail to address these issues, I am prepared to take legal action to enforce my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lodged a dispute with the credit bureaus and TD Bank with the belief that not only is this not a valid debt but has also not been reported to my credit report in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/2017. My major concern is that if this account is to be reported at all it should be done so reflecting good history and a zero balance as it was an auto loan covered with GAP insurance with 84 months coverage in the event of loss.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I had a balance of {$50.00} in my XXXX account. I was in the process of switching bank accounts due to likely fraud and mistakenly tried to deposit it into the account I had just closed at Chase bank. My account number is XXXX. When contacting the bank to see how I could recover the funds they said that I should contact XXXX. When contacting XXXX they said that I should contact the bank. The {$50.00} is completely missing and I have not received a check in the mail for it being in a closed account from the bank and I do not know how to get it back. Somewhere, the {$50.00} is still out there, but I dont know how to recover it. Can you please help?
Product: Debt collection

I submitted a XXXX and XXXX dispute regarding this issue last week against XXXX in which prompted the company in question to call me, XXXX ( now XXXX ). The XXXX legacy team and account XXXX called me regarding my dispute, and were still not able to resolve my issue, they tell me " Your account has been sold, you have to contact the collection company, and there's nothing they can do ''. I contacted the collection agency ( Jefferson Capital System ) and they promise that they put a dispute request in but could not provide me with confirmation or a ref # that it was disputed so at this point I just have to take their word and hope they dispute it, it is still on my credit report and has not been disputed as promised. This issue stemmed from when I had services with XXXX, I upgraded my phone and mailed my old phone back to the warehouse, they sent me confirmation that they received it. Months later I see a XXXX $ charge on my card from XXXX which prompted me to call them, they then told me they did not receive my old phone even after me receiving confirmation that they did. I called them months at end before they were bought out and I was promised numerous times it would be refunded, eventually I called my bank and they did their own investigation and refunded me MY money. Now 2 years later this comes up on my credit report causing my credit to go down XXXX points. It should of been the end when my bank handled this but here we are. The XXXX prompted XXXX  to call me, which again they could not resolve my issue since my account with XXXX was " sold XXXX. I am looking to get this resolved entirely in getting this off my credit report- Whether its the collection agency or sprint who is in charge of my resolution. I have taken all the proper steps with contacting the company who caused all of this ( XXXX, now XXXX  ), Ive contacted the collection agency, tried disputing this through XXXX XXXX, submitted a XXXX and XXXX complaint with still no resolution. Jefferson Capital Systems had the wrong address on file and never sent me anything via mail, they sent emails to an email address I no longer have access to.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, Transunion neither removed nor corrected the account information. 

Transunion failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. 

I urge the CFPB to investigate Transunion ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.