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

I purchased a XXXX XXXX XXXX in XXXX of XXXX. I was ecstatic that I was able to get a car loan by myself considering my credit was not the greatest at that time. I did not have a trade in as I still had negative equity that would roll over to another loan. My paperwork stated that I was only going to be paying around $ XXXX for this vehicle, but after I finally got my account set up it states over $ XXXX!!! Ive tried multiple times to lower my car payment, considering anytime I made a payment it didnt seem to make a dent in my loan. Why in the world is a car almost double the price on a loan? I tried multiple times to reach out to them to inquire about a decrease in a loan payment after I lost my job and was trying to work out a payment arrangement so I could keep my vehicle and they ended up repossessing it. Im going to have to end of claiming bankruptcy at XXXX because they were shady in the contract. The dealership also didnt help as my car salesman literally quit two days after he sold me the car. A XXXX interest rate is insane. My finance charge was {$19000.00} and amount financed was {$24000.00} and after its paid off is over $ XXXX? The math aint mathing and I felt I was taken advantage of.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing XXXX, XXXX, and Trans Union as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. The corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fall within the XXXX XXXX XXXX institutions described under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. XXXX, TransUnion and XXXX lack my consent to furnish this information in regards to the above mentioned financial institutions and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to XXXX, TransUnion and XXXX is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to apprise me of this option in any clear conspicuous manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account is paid in full but still shows XXXX. Has not been reported since XX/XX/2022 XXXX
Product: Checking or savings account

On XX/XX/XXXX I visited a branch and deposited {$3400.00} through an atm because the bank was closed at the time I got there. the atm machine had an error. the complete deposit stated that I only deposited XXXX cents. Quickly I called the bank and they ask me what happened, so I explained. The atm took my money and didn't credit me. I files a dispute and a credit was given while investigation was in progress. Today XX/XX/XXXX I received a letter stating that funds will be reversed and that I only deposited {$10.00} on that day but the receipt clearly shows {$0.00}. with an already balance of {$66.00} before I tried to deposit the amount. The money they gave me for provisional credit was money that was suppose to pay my bills. But due to the incident I had to withdraw manually and pay my bills. Wellsfargo is practicing bad business. The machine took my money but all of a sudden they are telling me basically that I never deposit the amount I did. which the machine malfunction from the large quantity of bills I inserted. I can't afford to owe them any money which I rightfully deposited but there machine didn't record my amount. I shouldn't be held responsible. Now its schedule to be reversed and I as a customer will be in the negative with my account because wellsfargo machine had an error
Product: Mortgage

Hello, I am writing to request clarification and possibly legislative action to : 1. Stop the practice of Lenders to falsely require a loan to be in default of at least 30 days before they can provide payment plan alternatives, including COVID-19 related relief. This happened to me when I first contacted my current Lender. In my conversation with the agent when I was asking for clarification around applying for the Forbearance program under the CARES act I was told specifically that I should first make sure I was 30 days past due on my current loan otherwise they would not have been able to process any options. Clearly a falsehood and it would have tagged me right away as in default and kept me so in their records for the full extension of the program and possibly beyond. Luckily I did not trust the conversation and applied regardless of my " current '' status.

2. The initial approved Forbearance period is granted for only 90 days. Not the full 180 days as defined by the CARES act. This is a point of clarification that needs to be made on whether the Lenders have the latitude to decide on their own what the initial approved plan length or extensions should be. If this is not how the law was intended to be enacted it should be clarified and enforced asap. 

XXXX. The latest update to the XXXX XXXX XXXX is a bit ambiguous. " If your mortgage is backed by Fannie Mae or XXXX XXXX : You may request up to two additional three-month extensions, up to a maximum of 18 months of total forbearance. But to qualify, you must have received your initial forbearance on or before XX/XX/2021. Check with your servicer about the options available. '' This language leaves some room for interpretation of the meaning of " ... received ... on or before XXXX XXXX ''. If I have a letter of acceptance into the plan dated on or before that date, but the next due payment is in XXXX or XXXX of 2021 does that disqualify me from being able to take advantage of the new extension rules? 

Thank you for your time in considering the above. 
I hope this finds you and your family healthy and safe. 

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

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit card or prepaid card

Chase closed my credit card account without warning on XX/XX/XXXX. 
I contacted them to re-open my accounts but they would not. 
When I opened the credit card account I was charged an annual membership fee of {$75.00} on XX/XX/XXXX. 
Credit card accounts should be re-instated or the full annual fee refunded of {$75.00}.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX 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. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i noticed 5 new inquiries and 3 new accounts showed up on my Transunions report which were not mine. The inquiries in question are from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as from XXXX XXXX dated XX/XX/XXXX. The accounts in question are XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  account starting with XXXX. I contacted Transunion and was transferred to the fraud department. Upon speaking with the rep, i was told to contact the places these accounts and inquiries came from. i asked to speak with a supervisor and the rep hung up on me. I went ahead and contacted all of these places. XXXX XXXX told me that they did not see any applications submitted under my name and social for those dates and to contact Transunion and have them deleted. XXXX, XXXX XXXX, and XXXX XXXX also stated the same exact thing. I did not contact Transunion back because I was hung up on when trying to get this taken care of through them directly.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my Account. This accoutn is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am Asking you to verify as Accurate. 

Here 's the account Information : XXXX - Account Name : XXXX XXXX Acct XXXX XXXX
Product: Debt collection

A representative claiming to call on behalf of Wells Fargo called my private cell number stating they were calling on a debt from my former mortgage company which was closed since XX/XX/XXXX. They did not read mean any mini-XXXX  and claimed they could keep on calling as long and as often as they wanted to. The call came in at XXXX PST from XXXX-an Arizona number. On the call, I explained that this debt was past the statute of limitations for collections. To which XXXX XXXX said they can still continue to call me regardless and make efforts to collect a XXXX debt even though it as past the SOL. The representative identified herself as XXXX XXXX and her supervisor as XXXX XXXX. When I told her to never call my private cell number again she said I was personally liable for the debt and they would still call. No effort was made by WF to tell me they were calling on a SOL expired debt, no notice of debt was sent to me, and no effort was made to inform me of my rights.
Product: Debt collection

Hello, my name is XXXX XXXX, when the pandemic, XXXX XXXX told me that I did not have to pay for my property, that they did not report me to the credit, they did not charge me interest, now I bought the Gregory Fundin loan and they want to charge me interest and attorney fees, I want to pay them the payments. late please I need help thank you if you don't help me I will have to go to court thank you
Product: Credit reporting or other personal consumer reports

XXXX  I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
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 or other personal consumer reports

A careful review of my credit record revealed concerning late payment entries that remain unresolved despite my previous attempts to address them. More than XXXX  days have passed since I sent letters requesting validation of these entries, yet I have received no response or satisfactory explanation. This lack of communication and proper validation raises serious questions about the accuracy of these reported late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter in accordance with the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information that appears on my credit report. After reviewing my credit report, I have found several items that are incorrect and need to be removed immediately. 

Firstly, my personal information is incorrect. Several accounts are listed under different names and addresses that do not belong to me. Under Section 611 of the FCRA, I am requesting that you delete the following items from my credit report : Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Secondly, I am disputing the accuracy of the following accounts. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of these items and remove them from my credit report if they are found to be inaccurate : XXXX XXXX  Bankruptcy Case Number : XXXX This account has already been removed by other bureaus, yet it still appears on my report. Please remove it immediately. 

XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under Section 611 ( a ) ( 5 ) ( A ) of the FCRA, I am requesting that you provide me with a copy of my credit report after the disputed items have been deleted or corrected. 

I am requesting that you investigate these items and take immediate action to correct the inaccuracies in my credit report. As you are aware, my credit score is critical to my financial future, and it is imperative that my credit report reflects accurate information. 

Thank you for your attention to this matter. 

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

Recently checking my credit report I noticed that I've been a victim of identity theft and found a Credit inquiry that I have no knowledge of here is the inquiry that I found : XXXX XXXX XXXXXX/XX/year>, Please remove these fraudulent inquiries from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my report : XXXX XXXX  XXXX XXXX, NE XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX # 1. No notification was sent before placing on my credit report as required by law # 2. My insurance paid this claim # 3. Work was done without authorization By law -- this needs removed on my credit report and never placed back on or I will file suit against XXXX XXXX and collection agency XXXX XXXX XXXX
Product: Checking or savings account

Bank of the West put my account on hold XX/XX/21 as I did an online transfer to my daughter through the XXXX XXXX. They are saying on the phone that they can't verify who I am after I answered their questions. I'm blocked from online banking with my account.
Product: Credit reporting or other personal consumer reports

Fraudulent activities on my credit report, these items are unauthorized please have them removed immediately. 

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 car accident XXXX/XXXX/2016. i had several bills including XXXX from XXXX. my account number XXXX. it took months for them to acknowledge my XXXX and XXXX information. i would call several times. in XXXX my auto insurance XXXX had to send out a letter to all the people left owing that i had exhausted the {$10000.00} and to please file with XXXX and XXXX. the supervisor at XXXX XXXX XXXX sent me into collections XXXX/XXXX/2016 ( he told me this morning ) because there was a conflict between XXXX and XXXX. like it was my fault? you know the rule, something about 90 days in arrears and it goes into collections. even knowing that it is being processed is my concern. eventually i found out by phone ( my call to XXXX ) that it was finally paid and i owed {$34.00}. that day XXXX i sent a check and it went through my bank account on XXXX/XXXX/16. on XXXX i get a call from Profit Collections wanting the {$530.00}. she wants proof its paid. i have no fax and no car. lost it in the accident. do n't you think it would be easier for Profit to call their Customer, XXXX instead of harassing me. they have harassed me again this morning. i am sick and tired of being harassed at home, under medication, trying to get well and NOT owing anything. are they all stupid? XXXX knows its paid. why do n't they call off their wolves?
Product: Debt collection

I called midland to discuss the debt, they cant pull-up debts information using my phone number, when gave them my number they asked me if Im someone else, I think this midland account is not belong to my name
Product: Money transfer, virtual currency, or money service

I have an inherited IRA held by J.P. Morgan. In XX/XX/XXXX, I provided paperwork to XXXX XXXX to transfer the IRA to XXXX XXXX. I was informed by XXXX XXXX that J.P. Morgan had  refused the transfer, and had done so for an improper reason. J.P. Morgan claimed that it did not have my mother 's name on the account. ( This is difficult to understand since my mother held the account at J.P. Morgan before she died. ) First, XXXX XXXX asked J.P. Morgan to complete the transfer. Second, on XX/XX/XXXX, I called J.P. Morgan at the number it had provided, but I was unable to leave a message. Third, the same day, I emailed J.P. Morgan. I have received no reply. I need to promptly complete this transfer. 

XXXX XXXX 's explanation is copied below with identifying information omitted : On Fri, XX/XX/XXXX at XXXX XXXX XXXX wrote : Hello Mr. XXXX, I work with XXXX at XXXX XXXX in XXXX, WA. I am handling the transfer of your Bene IRA from JPM to XXXX. I received a phone call today from my back office letting me know that JPMorgan has declined/rejected the transfer because THEY do not have XXXX s name listed on your account there.even though it is a Beneficial IRA and they would have needed her information at the time the account was opened or funded. 



This is, in my opinion, an unacceptable reason to reject, since they have the ability to correct the title on their end. Apparently, they are choosing not to do that. 



I made several phone calls today hoping to avoid you having to contact them, but Im told you must call or e-mail them and request that the title or stencil information be corrected to include XXXX s name, then we will be able to resubmit the transfer once that has been done. 



Here is the contact information I was given for JPMorgan : E-Mail : XXXX Fax : XXXX Phone : XXXX I would be more than happy to join you on a conference call to JPM, at your convenience, if you would like my assistance dealing with them. 



I look forward to speaking with you next week so that we can get this transfer back in process. 



Thank you, XXXX Registered Senior Client Associate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$3500.00}, {$3400.00}, {$1900.00}, {$6400.00}, {$7600.00}, {$2200.00}, {$3200.00}, {$3900.00}, {$4200.00}, {$9600.00}, {$4100.00}, {$0.00}, {$0.00}, {$0.00}, {$2300.00}, {$580.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

8. XXXX XXXX XXXX, XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

9. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- AUTO ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$4100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 14. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

15. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

16. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

-- COLLECTION ACCOUNT 17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account.
Product: Debt collection

MIDWEST RECOVERY SYSTEMS has been attempting to contact me and harrass me over a payday loan i took out in XXXX, according to XXXX XXXX. 
I filed a chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX. 
after contact with my lawyer they proceeded to hit my credit score on XXXX  illegally. 
the amount they are attempting to collect is {$880.00}. I spoke with a representative of XXXX XXXX on XX/XX/XXXX and they assured me this is a SCAM.
Product: Mortgage

I was told by Wells Fargo that I could defer 3 months of payments due to COVID-19 on XX/XX/XXXX then they told me about 2 months later I didnt qualify because my account was delinquent
Product: Debt collection

An arrangement was made to pay, because I experienced unexpected furlough. They did not want to give a payment plan and said that it would be reported and would mess up my credit for several years.