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

My complaint is about Discover Bank. I had my XXXX account attached to my Discover account. At some point in the last year or so, I was informed by Discover that I would no longer be able to use XXXX with their app. When I tried to use XXXX with another bank, as I had done before I opened the Discover Bank account there was an error message. When I contacted XXXX I was told that Discover has not released my token and I can not use XXXX until the token is released. When I contacted Discover, they said that they had released the token and the problem was on XXXX 's end. 
I am an independent contractor and some of my jobs prefer to use XXXX and this is becoming an increasing problem for me. It is taking longer for me to get paid and I now have to pay for instance transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't apply for these account. These accounts are fraudulent and I would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 collections attached to my credit report for medical and I have tried to get them off for years sometimes they will come off for a month or so and then they re appear when talking to the collections company they can not provide any information at all about what it is and why they say they are old and they dont have access to the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, 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 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 has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I went online to check my balance on my XXXX XXXX through synchrony bank and when I logged on I saw a transaction on my lazy boy account through synchrony Payment Due Date : XXXX Statement Balance : {$4400.00} Total Minimum Payment Due : {$310.00}, I had no idea what this was and I have filed a fraud claim with synchrony. every time I call I get a XXXX  XXXX that will not give me any information, I have filed all the paperwork they have requested, but XXXX XXXX has a sales manager that does not know what he is doing, I have got messed over by this guy last year XXXX, and I had to walk out of the store because this guy was out of his mind and did not know what he was doing, I have contacted the corporate office and XXXX  and I am now dealing with a new issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased credit monitoring services from Experian and they were " supposed '' to monitor my credit. On the day I lapsed service they unlocked my credit file and began allowing errors to post on my file intentionally and thereby affecting my score. The errors did not match my file. I received 3 emails stating my score had increased. I received 3 emails congratulating me for paying off student loans at the same time I received emails that my score had increased. 24 hours after I received these emails in XXXX I received a notice that my score decreased by 28 points for no reason. The alert was under all the improvement alerts and was out of place. I renewed my service to relock my file but they intentionally decreased my score in order to get me to apply for a " credit boost '' by revealing my bank account information and renewing my monitoring service. They scammed my profile and lowered my score for money and potential bank information. They tried to manipulate as a consumer and refused to fix the score. They even went as far as to remove the alerts once they figured out that I was going to tell the government.
Product: Vehicle loan or lease

Here is a draft for your CFPB complaint against BMW Financial Services based on the document you provided : -- - **Subject : ** Illegal Repossession and Demand for Vehicle Release **Complaint Against : ** BMW Financial Services XXXX*Account Number : ** XXXX **Vehicle VIN : ** XXXX XXXX*Complaint Details : ** On XX/XX/XXXX, I sold my vehicle, XXXX XXXX, to XXXX XXXX XXXX. He is now the legal owner of the vehicle, holding a free and clear Florida title. Prior to the sale, the lien on the vehicle was released on or about XX/XX/XXXX, after payment was received and processed by BMW Financial Services NA. This release was confirmed by the Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ), which provided a title reflecting no liens. 

Despite the lien release and subsequent sale, BMW Financial Services authorized a third-party company, " XXXX XXXX '' to repossess the vehicle illegally. This action was carried out without verification of ownership, as confirmed by " XXXX XXXX '' during a phone conversation. This repossession constitutes an illegal seizure of property and a violation of the rights of both the current owner, XXXX XXXX XXXX, and myself, the previous owner. 

I have already filed an arbitration claim with the XXXX against BMW Financial Services and BMW Bank of North America. Additionally, I intend to file a lawsuit against " XXXX XXXX  '' for their unlawful involvement in this matter. 

Please address this complaint promptly to prevent further legal action.
Product: Vehicle loan or lease

I have been paying on our XXXX XXXX XXXX.since XXXX.. I couldn't understand.why our balance has not gone down in.the last 3.years that is because the XXXX we have paid had all went.to.the interest rate..i tried talking to.them.to get lower rate.or payments..something .they won't work.with us.. now I'm behind due to family deaths and financial difficulty and now they r threatening to repossess it.. even.tho I have tried to get them.to help.me.and they won't. they r crooks. santander consumer usa
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for the following account to be deleted on my Credit report ; These accounts listed below do not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX   XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX   XXXX XXXX  XXXX DEPTEDXXXX XXXX XXXX  XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( month, year of charge off ) since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly and accurately report this account and your neglect has violated my rights. I am demanding a deletion of the following account. 

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

I have taken multiple personal loans out from Affirm over the past XXXX years. I have had perfect credit history until very recently. On XX/XX/year>, I was struck by a driver who ran a red light and t-boned me ; he was driving a XXXX XXXX truck ( with mechanical gear mounted in the bed ), while towing a ( roughly ) XXXX ' x XXXX ' trailer full of tree debris. My truck flipped and I suffered injuries, but most notably, I suffered a sever concussion. The concussion resulted in concussion symptoms that deemed me unable and ineffective at my XXXX XXXX, and after a short while, I had to leave the position due to my ineffectiveness. I planned to start a XXXX XXXX ( XXXX XXXX XXXX ) ASAP, but unfortunately was not able to land said position until 7 months later ; despite how hard I tried to get hired at multiple places. When I fell behind, I spoke to a representative at Affirm, and I was offered no relief programs for my situation. Because of this, I wasn't able to make payments on time, and Affirm began to knock down my credit score. I challenged Affirm 's score on XXXX, and provided proof that they were only reporting bad credit, as opposed to the ( significant ) amount of positive credit on my recent ( and previous ) accounts. Still, on XXXX, they refused to reflect this positive activity ; and instead, only posted the negative activity. I challenged it, provided proof of my positive activity, and Affirm still refuses to notate any positive activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XXXX and was told it would be resolved in a few days My current mortgage company called them again on XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.
Product: Debt collection

The original creditor is XXXX XXXX XXXX XXXX. In short I was delinquent in my car payments and the car was repossessed. I did try numerous times to get the car back before it was auctioned off but was given the run around and the XXXX  XXXX repusenitives either didn't know what was going on or refused to answer the phone. I final get a letter a month later stating that the car was sold for the balance of the loan. Fast forward to almost a year later I start receiving letters and emails saying I still {$6000.00} on auto loan. Seeing that XXXX XXXX had not answer their phones I didn't bather calling them and thought it was mistake, because a typical when finance company sells the car for the balance of loan they don't come after you for the loan or any additional costs. Almost 2 years later I get a letter stating that XXXX XXXX sold the debt to Protfolio Recovery who has been less then professional. Protfolio Recovery not only calls outside of business hours, calls and hangs up, refuses to leave messages, and has inlisted another collection agency to call about the same debt. So I have Protfolio Recovery and XXXX XXXX XXXX calling for the same debt and both calling and hanging up.
Product: Mortgage

I want my mortgage company to send me my mortgage STATEMENT!! Not payment stubs which are unless and provide not information I am after. I shouldn't even have to go through CFPB to try to get this. They should be sending me this each month. And again, I DO NOT WANT ANY PAYMENT STUBS!!!!!! I want a MORTGAGE STATEMENT!!!!!! There is a big difference between the two. Let 's see if SLS and CMC know the difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.
Product: Money transfer, virtual currency, or money service

My cash app account was fraudulently accessed and I was locked out and XXXX dollars was stolen from me due to no fault of my own. The only possible way that this could of happened to me is because I am one of the users who's data was compromised by block inc who owns cash app. Because the company did not secure their users information properly my account was able to be accessed and money taken out of my account and there was nothing I could do about it until I got in touch with cash app support. I will explain. On XX/XX/XXXX  I get an email from cash app saying my account was accessed from a different or new device at XXXX near XXXX XXXX I live in XXXX Texas so that right there should something. Then also on XX/XX/XXXX  at XXXX my email address was unlinked from cash app locking me out of my account entirely. I contacted cash app support as soon as I realized what happened and it took days for cash app support to finally respond back to me. I had over XXXX dollars in account before I was locked out of the account and then my email address was unlinked from the account on XXXX. It took days and days for me to finally get a response back from cash appp because I had to create a whole new account just to get someone from cash app support to finally help me. I told cash app support what happened to me and I was able to finally regain access back into the account on XX/XX/. Not even 6 minutes later somehow my email address was able to be once again unlinked from my account and I was locked out of the account for the 2nd time. Please keep in mind this is the same cash app account that cash app support had just granted me access back into just 6 minutes earlier. When I was locked out of the account for the 2nd time I had XXXX dollars in the account still. When I was finally able to get a hold of cash app again about this matter i explained to them what happened but no one would listen or even attempt to try and help me .now I am told that there is about XXXX bucks in the account and that I need to calm down. How can the XXXX grand I had in the account yesterday XX/XX/XXXX  just disappear even though I have proof that my account was accessed fraudulently without my permission? How can it just be lost forever? How is that okay? Had cash app not had the data breech I would not even be in this horrible situation in the first place. 2nd had cash app done there job whenever they were able to give me access back into the account and taken off the other emails or phone numbers etc. I wouldn't be writing this email either. Some how 6 minutes later my email address was unlinked and I was kicked back out. Now fast forward to today cash app is telling me I only had XXXX dollars on the account left. When the day before that 9 hours previous to be exact I had XXXX american dollars. What happened to all of my money?
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX : XXXX XXXX way XXXX, KY XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Equifax XXXX This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove the following unauthorized hard inquiries from my credit report : 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 had a XXXX XXXX  Credit Card where I make a {$50.00} minimum payment. I recently had gone through a financial hardship and had been late making a few payments. XXXX transferred to a collection name Midland Funding LLC. It was posted on my 3 credit bureaus on XX/XX/2016 with the amount of {$1900.00}. Midland funding began to get a lawyer and talked with my employer who then started to garnish my wages. Total balance is now {$880.00} and I had to leave my job because of it.
Product: Credit reporting or other personal consumer reports

I received notification from XXXX on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXXXXXX XXXX failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

XXXX also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

XXXX is a financial entity acting as an extension of a government entity.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against Credence Resource Management, a collection agency that has repeatedly been removed from my credit report but continues to synthetically alter information to claim that I owe them a debt. I have never signed a contract with them nor received any debt validation from them. 

I want to emphasize that this is not my debt. I have no knowledge of this alleged debt, nor do I have any knowledge of the original creditor they are falsely claiming to work for. 

When I attempted to contact Credence Resource Management by phone, they refused to cooperate unless I disclosed my personal information. They hung up on me multiple times when I refused to provide this information due to my belief that they are altering it synthetically to unlawfully extract funds from me. During my call today, I disclosed my current address, XXXX XXXX XXXX, XXXX XXXX, FL XXXX, but they claimed to have a different address on file that I have no knowledge of. I have reason to believe they will synthetically alter the information again without my permission. 

This company is violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. They are falsely reporting communications with me to credit bureaus. Today was the first time I had any contact with them, as I found their number on XXXX and initiated the call. Despite this, they have been reporting to the credit bureaus as if there has been ongoing communication. 

Credence Resource Management 's actions are fraudulent and damaging to my financial standing. They are violating consumer protection laws, and the credit bureaus are allowing this to continue. My attempts to resolve this issue have been met with unprofessional and obstructive behavior from Credence Resource Management. The first supervisor I spoke with pretended to lose service, and the second supervisor became angry and hung up when I refused to give my social security number. 

I urge the Consumer Financial Protection Bureau to investigate Credence Resource Management for their unlawful practices and take appropriate action to protect consumers from their fraudulent activities. 

I would like to receive assistance in getting this alleged debt removed from my credit forever. 

Thank you for your prompt attention to this matter. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report. 
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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX