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

I believe that the terms and conditions of the loan were not properly disclosed to me, as required by the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Specifically, I have identified several violations and omissions that invalidate the loan agreement under this federal law : Lack of Full Disclosure of Installment Loan Agreement I did not receive a complete copy of the installment loan agreement at the time of signing. TILA requires that creditors provide borrowers with clear and detailed information regarding the loan terms, including the amount financed, the payment schedule, and the total cost of the loan. I did not receive adequate documentation of these key terms, which constitutes a violation of TILA 's disclosure requirements.

Failure to Provide Notice of Security Interest There was no clear disclosure or explanation that a security interest would be placed on the vehicle as part of the loan agreement. Under TILA, creditors are required to inform borrowers if a security interest is being taken on collateral, in this case, my vehicle, in exchange for the loan. Without this disclosure, the creditor has failed to comply with the legal requirement to fully inform me of my rights and obligations under the loan. 

Undisclosed Lien on Vehicle I was not informed of any lien placed on my vehicle at the time the loan was extended. The Truth in Lending Act mandates that creditors disclose any liens or encumbrances that will be attached to the collateral in the transaction. The failure to disclose the lien renders the agreement incomplete and noncompliant with TILA regulations.

Lack of Disclosure of Finance Charges The finance charge for this loan was not properly disclosed at the time of the agreement. Under TILA, the finance charge, including the total cost of interest and any other fees associated with the loan, must be clearly communicated to the borrower before the loan agreement is signed. The omission of this essential information violates my rights as a consumer under federal law.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to Experian regarding the inaccurate information that's reporting to my consumer report. The creditors reporting the accounts and information its a violation of my right to privacy in which I never gave them consent to purchase nor share my personal information with anyone. I am asking Experian to investigate and remove any account that doesn't belong to me. 


Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare an appeal for investigation before I confer with my own counsel to obtain advice on how to handle an incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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

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


XXXX name : XXXX XXXX, account number XXXX XXXX account name : XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX name : XXXX XXXX, account XXXX XXXX name XXXX XXXX XXXX, account XXXX XXXX name XXXX, account number XXXX XXXX name dept of XXXX XXXX, account number XXXX, XXXX name dept of XXXX XXXX, account number XXXX XXXX name dept of XXXX XXXX, account number XXXX XXXX name dept of XXXX XXXX, account number XXXX XXXX name XXXX XXXX XXXX XXXX  account number XXXX XXXX name XXXX XXXX account number XXXX XXXX name XXXX XXXX XXXXount number XXXX XXXX name XXXX XXXX XXXX account number XXXX XXXX name XXXX XXXXXXXX XXXX XXXX, account number XXXX XXXX name XXXX bank XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a bankruptcy reported on my credit report for YEARS. I have sent in a letter from the courts ( dated XX/XX/17 from XXXX XXXX, Assistant Division Manager ) saying they do not report bankruptcies to the credit bureaus. I have sent in the search results from XXXX XXXX and XXXX showing my social security has returned zero results. Experian continues to report this information that is incorrect. In addition, I have also disputed an account with XXXX XXXX XXXX that shows I have a balance, a monthly payment and the incorrect name reporting. I have disputed this information they continue to report it incorrectly and late. I have contacted the Credit Union and spoke with XXXX XXXX ( XXXX ).
Product: Checking or savings account

On XX/XX/XXXX I was made aware of fraudulent transactions after being in the hospital for a severed finger. I had been unable to check my bank account online due to no service in hospital and when I was released I was made aware of these transactions. Then I made a note and went over all receipts and there were multiple unknown transactions after I had used the fuel pump and got gas. Three online two in stores and one manually entered. I called the bank and notified them. Three days later they called saying they were suspending my debit card use for 12 months for protection due to my past disputes from my soon to be ex husband who I have not given permission or allowed to even be near me cause he wrote bad checks and stole my debit card multiple times. Then the next day they closed my claim and stated that no signs of fraud were made aware. Then when I tried to escalate it they told me there's nothing I can do even if he somehow stole it or someone else did they knew my pin and had my card which I believe I had but I was also in hospital and unsure of placement of items. The dates were XX/XX/XXXX for the amounts of XXXX XXXX XXXX  XXXX XXXX XXXX 's XXXX tracsup XXXX
Product: Mortgage

I need help getting my lender to stop my foreclosure and allow me some time to settle my loan. I fell behind on my payments about 4 years ago after my husband left me with. He was the only source of income I had. I did not have a job at the time and I have struggled ever since to keep up with all of my bills, not just my mortgage. I can barely keep food in my refrigerator some months and I've had to ask for money from my adult children just to get by. If my home forecloses, it would leave me with nothing, I won't even be able to rent a home if something like that were to go against my already poor credit. I am working on a short sale with the mortgage servicer and someone has made an offer on the home but the lender does not want to give me enough time to get through the process. I spent years not knowing what to do with this burden and I feel like now that I am actually trying to rectify this, PHH does not want to give me any grace. I am pleading for extra time to work through this, I have sent all of the documents required of me for the short sale and just need an extra month or two. My home foreclosing would add insult to injury at a time like this for me. Please help me.
Product: Mortgage

I paid off my mortgage in full and they are still holding my money in escrow. They submitted one check for {$2100.00}, but they still owe me {$170.00}.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These ACCOUNTS should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the ACCOUNTS, listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a fradulent account.I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
1. INQUIRY : XXXX XXXX XXXX ( INQUIRY XXXX ) 2. INQUIRY : XXXX XXXX  ( INQUIRY XXXX ) 3. INQUIRY : XXXX XXXX ( INQUIRY XXXX ) 4. ( Account name XXXX XXXX XXXX XX/XX/XXXX Account number XXXX Account type Debt Buyer ) 5.XXXX XXXX XXXXAccount XXXX XX/XX/XXXX Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
6.Report Number XXXX Date Generated XX/XX/XXXX >Please remove all non-account holding inquiries over 30 days old. 
<Please add a Promotional Suppression to my credit file. 
<Please remove all accounts that are no XXXX XXXX COMPLAINCE. 
PLEASE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). be advised that the description of the procedure used to determine the ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEARBY REQUESTED AS WELL, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, INCLUDING YOUR METHOD OF VERIFICATION. I DO NOT CONSENT TO E-OSCAR AR ANY MEANS OF AUTOMATED VERIFICATION.

Failure to respond satisfaction within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of Fair Credit Reporting Act 4. ) Financial injury
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed and it was reinserted but I never received proper notifications that this account was going to be reinserted which is a violation of my rights basic on the FCRA
Product: Credit reporting or other personal consumer reports

These unknown hard inquiries were placed on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Complaint against PayPal Case ID : XXXX I am filing this complaint against PayPal regarding the mishandling and lack of resolution of my dispute case. It is evident that PayPal does not properly review or engage with the escalations sent to their team, as this case would have been resolved long ago if they did. 

This issue originated as a counterfeit fraud case. I purchased a watch via XXXX using PayPal as the payment method. Instead of sending me the watch I ordered, the seller sent two counterfeit XXXX  watches, claiming they were better than what I ordered. Not only are these watches counterfeit, but they also fell apart upon first opening. I filed a dispute with XXXX, and the seller subsequently deleted the sales post that showed the original product. 

I have provided PayPal with all the necessary information to swiftly close this case and take action against the seller, yet this has not happened. PayPal has now informed me that I need to return the fake merchandise to receive a refund. However, there is nowhere to return the fake merchandise as the seller has deleted all information necessary to identify them. PayPal would be aware of this if their escalation team properly reviewed the case details as claimed. I have provided a screenshot of the deleted page and stated clearly in the complaint that the seller deleted the information. 

I also mentioned that a return is unnecessary because there is nowhere to send it, and it would only be a tactic used to avoid issuing a refund. It is apparent that these counterfeit sellers are exploiting the unengaged workers at PayPal. 

I am requesting : A full refund of {$1000.00} USD. 
Immediate resolution of the case in my favor without any request for a return. 
I have been dealing with this case via PayPal for over a month now, and a simple review of the case facts by an actual person would have resolved this immediately.
Product: Debt collection

XXXX 2007, I signed for a {$260000.00} conventional 30yr. Fixed mortgage with WAMU. During the poorly executed take over by Chase my requests for a loan modification were continually lost & I was routinely disconnected after hours on hold & unable to get any knowledge representative to assist me with keeping my home from foreclosure. 

Long story short, House was foreclosed. I fought the entire way and a judge eventually ruled in my favor and Chase finally processed my paperwork and my " making home affordable '' modification happened. Chase figured out a way to get around the judges order of no fees or added costs were to be placed on me. So instead, Chase added on {$58000.00} in Corporate Advance charges. 

Now after paying 10 years on my Mortgage my Payment is {$200.00} higher per month than the loan I agreed to and my payoff is XXXX!!!
Product: Credit reporting or other personal consumer reports

I have previously disputes Account with Dept of educationXXXX , the accounts were removed due to them not belonging to me and some how there are reappearing on my credit report!! This information is inaccurate and does not belong to me.
Product: Checking or savings account

On XX/XX/XXXX I received my social security XXXX check into my capital one checking account and it said that those funds were available for use. At about XXXX that XXXX I submitted a payment to my capital one auto loan. I received an email confirming that the payment was being processed. On XX/XX/XXXX I received an email from capital one stating that my payment was completed. Further more, when I looked at the information for my auto loan it showed the deduction for that payment and said my next payment would be due on XX/XX/XXXX. I used most of the remaining funds in my account that day. The following day, XX/XX/XXXX, I received an email stating that my car payment was returned for insufficient funds. But according to my account records, there was enough money in my account to cover the car payment all the way through the XXXX. I tried. Calling capital one on the 3rd, both the bank account division and the auto loan division and got no where. I tried calling both entities again on the 9th I think and the only explanation I got was that when the XXXX XXXX  payment was processed it brought my account to less than what was needed to cover the car payment. But according to my calculations based on the information from my capital one account, the money was still available. Also, like I already said, I submitted the payment on the XX/XX/XXXX and received confirmation that it was completed on the 1st. I have gotten nowhere contacting capital one and now I have a late payment fee as well as the damage to my credit of having missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is reporting inaccurate information. Ive sent in documentation, police report and a copy of XXXX to XXXX and experian XXXX and XXXX. And XXXX and Experian will not comply with my demands. XXXX has already removed them already. XXXX is reporting inquiries twice of the same inquiry. Im not suppose to have no inquiries. I havent applied for no credit. XXXX is the only company reporting accurate info. 

XXXX : is reporting Accounts : XXXX XXXX Inquires : All of them inquiries Experian : is reporting XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX needs to be deleted XXXX XXXX XXXX is reporting inaccurate. Company is paid in full must delete.
Product: Credit card or prepaid card

I made a purchase using my Paypal debit card on XX/XX/2019 for {$120.00} from XXXX  XXXX. I realized I made a mistake and contacted XXXX  XXXX   and cancelled my order on XX/XX/XXXX. XXXX XXXX  claims they cancelled the order on XX/XX/XXXX. XXXX  XXXX shows the order cancelled. Paypal is still holding the money claiming that the sale is still " pending ''. They will not allow me to make a dispute. In their system online it clearly states that Paypal NOT XXXX XXXX is holding my money because of the '' pending '' transaction. XXXX   XXXX even sent me an email showing that entire order is cancelled but Paypal still will not release my money. I have spent over 8 hours on the phone with Paypal with neither help nor resolution during the course of 3 days. The second time yesterday I was told I would receive a confirmation email from Paypal that they were trying to directly contact XXXX XXXX  to make them submit the " correct '' cancellation so it could be resolved and neither I nor XXXX XXXX   were contacted or received an email.. My money is being kept for no reason with absolutely no form of resolution being made available to me by Paypal who is clearly the entity holding the {$120.00}.
Product: Student loan

I have a Parent Plus loan with Mohela. Today I called them and spoke with XXXX. I wanted to apply for a hardship forbearance for my loan, of which the first payment is due XX/XX/year>. Before calling, I went to the Mohela borrower portal. All of the balances on my loan are {$0.00}. 

XXXX advised that Mohela was moving to a new website and that she could not see my loan information. I was advised to call them back in XXXX  days and then the agents could see my loan. 

This is completely unacceptable to put the onus on the consumer to follow up, especially on who is looking for assistance. 

My portal states I have no balance due and that my account is in good standing.
Product: Checking or savings account

I was advertised an offer to open a Citi gold account with an incentive to get {$1500.00} upon new account being created and > {$200000.00} in funds added. Per this understanding, I created an account at a physical branch with a manager. The account was then XXXX flagged for fraud when I attempted to transfer money as per the original arrangement! No customer service agent is able to address this. 
I have now transferred over $ XXXX in funds that Citibank has frozen and refuses to wire back or answer calls relating to this account. I despeararely need the money back at the very least.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was saying in this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Only to make it home and have to be rushed to a different hospital where I was treated and given XXXX XXXX once I spoke to the liaison of this hospital it was agreed upon to delete this bill due to their mistreatment of my ailment. I was told I will receive a letter showing that they had agreed upon this in XXXX. I have never received that letter and I have not been able to get back in contact with anyone at the hospital in regards to this. I have disputed it several times and they are not deleting it from my credit report I would like it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian reported a collection for the amount of XXXX on XX/XX/XXXX and a collection for {$1900.00} on XX/XX/XXXX. XXXX which these accounts were not created by me. XXXX and Experian has not provided me original contracts with my signatures and they failed to reply to be with the XXXX days of my written request. my rights are being violated and I would like them to remove this inaccurate information from my credit report.