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

I purchased my vehicle in XX/XX/XXXX, got my loan thru XXXX XXXX financial. I tried to go pay my tags in XX/XX/XXXX but dmv told me there has been a hold on my title since XXXX of XXXX for a title correction that was never completed. no one has told me what the corrections being made are for. I have tried multiple times to correct this issue with the finance company but they give me the run around and have done nothing to help me resolve the issue. people at there company have hung up on me over the phone multiple times so I have asked for help thru email from the executive leadership at XXXX XXXX All of my requests were combined into XXXX and they told me the dmv has to contact them to request a paper title for this to be resolved. dmv is telling me the opposite. XXXX has closed all of my email complaints and whoever responds has been unwilling to help. My registration is now 4 months overdue with no assistance and Im unable to drive my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
XXXX XXXX XXXX XXXX  XX/XX/2020 FNB Omaha XX/XX/2020 XXXX XX/XX/2020
Product: Money transfer, virtual currency, or money service

In level with enormous phone calls and indicator placed letter from Money Mart co d/b/a etc.. That the entitled letter head attachment is in complaint with identity theft. I did not use the address the company has listed the address is not associated with my residency commercial property address at the counter. XXXX XXXX XXXX bank does not have the address identity of the money Mart scandal finds the address on the enclosure on the XXXX account interim therefore the company has identity theft XXXX XXXX XXXX bank account interim name and address.. My EO ( XXXX ) license conduct my address residence in not location of XXXX XXXX in the state of California registration and then tell me when I called and task account online that I do not have an account. Means I am not in the money Mart system with a cross cancel attached document.. Then call me day to day. Attachment is a civil agreement and like I stated I ain't paying your employees overide because the documents provided are the only computers functionality in the money Mart location system the frank documents do not belong to me because it is not the address I used it use. No notice has been mailed to me because the address is not my registration in this said state,.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus 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 and correct them immediately in my report : XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$270.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- XXXX continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud
Product: Mortgage

Seterus failed to pay my property taxes from my escrow account. My property went to auction.
Product: Debt or credit management

An XXXX XXXX XXXX bill that has incorrect charges was added to my credit after several attempts to dispute the bill with the company. In this time my information was a part of the data breach XXXX & XXXX experienced. Due to that fact the information was taken off of my credit once before. Unfortunately due to the breach several companies are still attempting to purchase the debt. I am currently working with an attorney to have this information removed and also be compensated for the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Equifax on multiple occasions and the still will not remove this account ( XXXX XXXX XXXX XXXX  ) This is a fraud account, this account does not belong to me. I have sent dispute after dispute, equifax does not respond, I have sent certified letters, 90 days went buy and still no response from equifax, but the company nor equifax will resolve this matter. I even had to get a police report. Also XXXX is paid off, never late / closed account.
Product: Mortgage

Last year, we had two significant hailstorms, and my house required substantial repairs. My insurance company paid for the repairs but required my mortgage company to co-sign on my check. I sent them three checks valued at : {$1400.00}, {$2800.00}, and {$23000.00}. They withheld 10 % of the total value of my claim ( {$4700.00} ) until the work was 90 % complete. They must inspect all work before they disperse portions of your insurance check. Several of my fellow soldiers on XXXX XXXX warned me that this company was taking their money and placing it an interest-bearing account then refusing to disperse the money when the work was complete. 
On XX/XX/2019, we contacted LoanCare to get an inspector to my home. They failed to send an inspector for nearly two months and refused to allow me to speak to a supervisor. I've requested an inspector every week since and to talk to a supervisor and they continue to ignore my requests. They typically say, " it's been escalated, '' or " there's no supervisor available you one to call in 48 hours '', and " the vendor hasn't responded. '' Despite my frequent requests, there has been no inspection scheduled, no supervisor has ever contacted me, and the remaining funds have not been released. I need to pay my contractors and shouldn't suffer consequences because of the company 's inability to assign an inspector.
Product: Checking or savings account

Bank of America is creating an improper and unlawful restrictions on PPP loans originally refused to accept PPP loan applications unless the small business is an active borrower with BOA. After the filing of the lawsuit, BOA has amended its policy and now illegally bars PPP loans to depository-only clients who have a credit card or loan with another bank. BOA is thus unlawfully prioritizing existing customers who are active borrowers of BOA as of XX/XX/2020 or have no credit cards or debt with any other financial institution. 
I tried to apply for the Paycheck Protection Plan and according to Bank of America, my small business is not elegible because it has an XXXX XXXX business credit card I feel discriminated because this is a restriction that does not in the CARES ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT GIVE CONSENT TO THE ALLEGED COMPANIES TO FURNISH THE ALLEGED ACCOUNTS ON MY CONSUMER REPORT, NOR WAS I GIVEN PROPER EXPLANATION THAT THESE ACCOUNTS WOULD BE FURNISHED ON MY REPORT. I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATELY. I DO NOT DENY THE DEBT. I DO DENY CONSENT TO FURNISH. LAWS VALIDATING MY CAUSE ARE ATTACHED. FAILURE TO COMPLY WILL RESULT IN FINES UP TO {$1000.00} PER VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has no credit file or score for me despite my accounts that reports to them Self loans I have paid for 12 months and also have a credit card I pay this company assured they reported to all three and two has confirmed but Equifax has nothing which really hurt my chances of getting any financing for a car, home, credit card I have repeatedly asked them to find the problem and XXXX  denied and ignored and they wont give me access to my report
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List the account name here with the account # ( do not list over 5 accounts and 6 inquires ) XXXX XXXX XXXX # Accounts # has violated my rights.

15 USC 1681 section 602 A 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 a account without written consent.
Product: Payday loan, title loan, or personal loan

I applied for a joint account on XX/XX/2021 with Wells Fargo for a line of credit. The account was approved but the account is not showing on my credit reports, only the hard inquiry. I have contacted Wells Fargo multiple times but have been told the account has been reported to the bureaus, only to later get a letter in the mail stating that I need to contact the credit bureaus as they are the ones who are refusing to display this account on my credit reports. I contacted XXXX and XXXX ( the 2 bureaus that the account is reporting to for my joint account holder ) and was told by both that they report what is reported to them by the lender, and that they don't just refuse to report accounts. They both stated they have not received any account information from Wells Fargo to report. 
I have contacted Wells Fargo to update them on what the credit bureaus said and was told there is no reason this account shouldn't be reporting to the credit bureaus, and to contact the credit bureaus for resolution. 
This has been ongoing for months. I have a hard inquiry on my credit report indicating that Wells Fargo obviously has the information needed to report the account. I was approved for the line of credit, used the account, had excellent pay history, and have since paid off the loan. This remains an open and available line of credit and I need it displayed as such on my credit reports. I have been unable to get any help with this matter and am escalating this to you.
Product: Credit reporting or other personal consumer reports

Someone tried applying for a card that wasn't me.
Product: Mortgage

I applied for a RV loan with my bank ; which is USBANK, in the month of XX/XX/2018. I applied for the loan and was told that my credit score was too low based on an error reported to the credit bureau from my USBANK visa. I have had this card for several years. I disagreed with this and made a formal complaint. The problem with my credit was that my VISA from USBANK sent to the credit bureau, that I had missed several payments and that I has several late payments. This information is incorrect. I located all of the information needed to prove my case. I brought the information to the bank as well as made a formal complaint with the credit bureau. I followed up with the bank and was then sent to the branch manager, with in a few days of the original loan application. Who stated he can clearly see there is some sort of issue. He then told me that he would handle this problem for me by going through the under writers and trying to get the credit card, again this credit card was issued from USBANK. To verify that there was a mistake. That I should get the loan as I am only asking for {$50000.00}. My debt to income ratio is under 40 % and I was asking for a 15 year fixed mortgage. We ( the first banker and I ) calculated the payments which would be less than $ XXXXfornd that my APR was roughly 6.5 % a month. Everything seemed to be working out until they realized that my income comes from my being XXXX XXXX. I was then informed that I could not get a co-signer as my credit was below XXXX and that both customers on the loan would have to have a credit score of XXXX. My credit score is 6?? at this point even with the error on my credit report. I am in limbo still the bank has not formally told me no nor have the said yes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed with Experian to close an account I received letter from them saying my balance was XXXX this past Friday my credit dropped XXXX points because that same company put that same collections on my credit again
Product: Checking or savings account

I am writing to follow up on my previous complaint, reference number XXXX. I have reviewed your response and found several inaccuracies that need to be addressed. 

Firstly, your letter states that I failed to deposit additional funds to facilitate the transfer of the specified amount. This assertion is incorrect. Additionally, my XXXX account was deactivated during this period and still deactivated which further complicates the situation. This confirms you did not perform a thorough analysis of my case, and your response suggests I did not fulfill the necessary steps, which is untrue. 

I find it unacceptable and misleading that your communication implies I am at fault. You should be ashamed of this oversight. 

I would appreciate it if you could review my case thoroughly and provide an accurate and fair resolution. 

Thank you for your attention to this matter. 

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

XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. 
I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXX NV I am be retaliated against. I am just not sure of why? 
I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX XXXX phone app Photos from XXXX XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. 

Respectfully, XXXX XXXX
Product: Credit card or prepaid card

Comintity bank is refusing to assist with getting me an email That allows me to directly link my card to the website. Zales is telling us that its them and they are telling us its Zales but they are holding the credit limit hostage and arent allowing us this information so we can make the purchase. We have tried for over 2 hours to get this information. The rep even stated to me a few minutes ago that we were lied to.
Product: Credit reporting or other personal consumer reports

First i want to thank you for taking this time to read my email.I am having a problem with XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX My bill XX/XX/2022 did not go trough when it was on auto bill. I reached out the company and they said that the payment try to come out of the bank but it was rejected.They never notified me of the rejection and gave me this late payment.Now i can not get mortgage or loan because of this mark on my credit.The company will not help me with this unfair situation.My lease about to end at me rental house.I am looking to purchase a home for me and my kids.You are my only hope please help me out. 
Thank you so much
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of XXXX - XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX on my credit file. Specifically, the credit report in question repeatedly displays Charged off for several months, every month has a repeating payment status which are inaccuracies that negatively impact my creditworthiness and UNJUSTLY EXTENDS the statute of limitations. You say you have investigated my complaints but false information still seems to appear on my credit report after THREE PRIOR COMPLAINTS regarding the matter. 

This marks my FOURTH request for investigation into this matter, emphasizing the serious repercussions for my financial standing. Please reference CFPB complaint XXXX XXXX, XXXX, XXXX Such inaccuracies not only breach the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer credit information, but they also have significant repercussions. These inaccuracies HAVE UNJUSTLY EXTENDED the statute of limitations for example the opening date for XXXX  XXXX says XX/XX/year> its been eight years how is this information still on my credit report if Experian investigated this THREE times already, this is greatly impairing my ability to obtain credit in the future. This misinformation undermines my financial credibility. To highlight the seriousness of this matter I have also filed a complaint with the XXXX XXXX XXXX 

In order to avoid any delays in processing and in the interest of transparency I have added my government photo ID, Proof of address, and social security card to verify my identity. Additionally I have added proof of the inaccurate payment history and the credit reporting companys prior investigations.
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. Equifax and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct erroneous reporting in the file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}