23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I CANT GET A HOLD OF THEIR CUSTOMER SERVICE. THEIR WEBSITE REJECTS ME AND TELLS ME TO CALL THEIR PHONE NUMBER AND THEY DO NOT GIVE ME AN OPTION TO TALK TO AN ACTUAL HUMAN BEING. THERE ARE ONLY LIKE 4 OPTIONS AVAILABLE THROUGH THE PHONE AND IF MY PROBLEM IS NOT ONE OF THEM, THEY SAY " I'M SORRY PLEASE VISIT US ON OUR WEBSITE '' THEN I GO TO THE WEBSITE AND THEY SAY " I'M SORRY PLEASE CALL US ''. THIS IS RIDICULOUS I'VE BEEN TRYING FOR DAYS TO TRY TO TALK TO THEM FOR HAVING THE WRONG SOCIAL SECURITY NUMBER THAT'S PROHIBITING ME FROM GETTING MY STUDENT LOAN WHICH IS INTEGRAL TO ME.
Product: Debt collection

I found out about this collection due to surprise on my XXXX  credit report. Source receivables never provided any notification about this alleged debt. The only notification was by my credit report. This has dragged my score down by approximately XXXX points. I do not have a XXXX account and have been a victim of identity theft. I don't owe anything to XXXX nor do I owe anything to Source Receivables.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$540.00} This collection is the results of identity theft and fraud.
Product: Debt collection

They called and said they returned a check for nsf. Then I got a letter which informed me of same. I had the funds so I was confused. I called the bank and they had no record of it. Called back statebridge company and asked What they were talking about because bank had no record of it. Statebridge said they had just used the incorrect bank number. However, I. Their letter they indicated nsf and warned me that if 2 mad were had in a six month period, I would be punished. The first call, also indicated nsf, and I was told the money was returned. All that was a lie. Now, I am short the payment money. Because instead of them being accurate and truthful, I spent some of it. But Im told its a XXXX fine when they are untruthful. Oh in addition they allege that someone named XXXX wrote the letter, later telling me that person doesnt exist. Thats another lie. How do I get my XXXX dollars?
Product: Vehicle loan or lease

I am submitting this complaint concerning Auto Now Financial and their handling of the repossession and subsequent sale of a vehicle for which I was a co-signer. Specifically, I believe the lender failed to fulfill their obligation to conduct a commercially reasonable sale, as required under Arizona law, by neglecting to address a manufacturer recall that significantly impacted the vehicles value. 

At the time of repossession, the vehicles XXXX was nonfunctional due to a XXXX XXXX. Upon consulting with the service department at XXXX, I was informed that the vehicle was under an open recall for XXXX XXXX XXXX, which likely caused the XXXX XXXX XXXX. This recall would have allowed for the XXXX to be repaired or replaced at no cost. 

Despite the availability of this recall, the lender proceeded to sell the vehicle without addressing the defect. Under Arizona law, creditors are required to sell repossessed vehicles in a commercially reasonable manner, meaning the lender must sell them the same way as other cars for an average market value. 

By neglecting to have the XXXX repaired or replaced through the recall, the lender sold the vehicle for a significantly reduced amount, which did not reflect its fair market value. This failure resulted in an inflated deficiency balance for which I am now being held liable. 

The lender had a responsibility to act in good faith to maximize the vehicles sale price by addressing the open recall. Neglecting this opportunity amounts to bad faith, as the lender failed to take reasonable steps to protect my financial interests. Additionally, this action did not meet the standard of a commercially reasonable sale as defined under Arizona law. 

I respectfully request a thorough investigation into the lenders handling of the repossession and sale process. Specifically, I ask that the investigation determine whether the lender took appropriate steps to address the open recall before selling the vehicle. If it is found that the lenders actions were unreasonable or in bad faith, I request that the deficiency balance be reduced or eliminated accordingly. Furthermore, I ask for confirmation that the lender complied with all relevant state and federal laws governing the repossession and sale of the vehicle. 

The original balance of the loan was {$18000.00}. After the account was closed, the balance was reported as {$16000.00}. Despite having made seven payments on the loan and the vehicle subsequently being sold at auction, the loan balance was only reduced by {$1200.00}. This minimal reduction in the loan amount strongly suggests that the vehicle was not sold in accordance with the legal standard of a commercially reasonable sale. The outcome raises serious concerns about the lenders compliance with their obligations under applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to dispute this with the credit bureaus, but no response. Im not sure where the account comes from. I believe Im a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was included in the Equifax security breach in 2017.
Product: Credit card or prepaid card

I am writing to request an increase on my FNBO credit card. I love my business credit card and the credit limit that I was started with. It has helped me scale my business. In the last 2 years I've been with FNBO I unfortunately have not received a credit limit increase. My current limit is insufficient to cover my potential monthly business expenses. My payment record with First National Bank of Omaha is perfect and I do not anticipate any difficulties in dealing with an increase in my credit limit. I am asking for an increase from {$15000.00} to {$20000.00}. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX  which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am hoping to hear a favorable outcome from FNBO. Please contact me if you need any information to expedite this process. I am looking forward to your reply. Also attached is my bank statement to show that I am more than capable of making my monthly payments.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying cXXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and Flagstar wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for Flagstar to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.
Product: Debt collection

This is an update and a continuation from a formal and closed complaint filed with the CFPB for this same collection company that is continuing to harass me and continue to collect a debt that is not mine and that this company agreed to close and remove any negative notes to my credit file ( which they did ). 

Beginning on Friday, XX/XX/XXXX, I received an auto dialed recording to my place of employment ( federal government ) at exactly XXXX XXXX. After a simple XXXX search of the number, I found that it is it is tied to AR Resources and consumers have complained of these same types of calling coming from the same number on their XXXX page. Today, Monday XX/XX/XXXX. I received the same time call at XXXX XXXX. Both have been saved in my work phone inn the case legal action has to be taken. I had to XXXX the number because the recording does not inform you of who is calling and jut says to " please call XXXX '' In CFPB complaint XXXX, AR Resources responded to the CFPB agreeing to close this account so for them to start attempting to collect a debt I have no knowledge of over a year later is very surprising. What is more surprising is that they were sent a validation letter on XX/XX/XXXX which clearly informed them that they were not to contact me by phone so this is a clear violation and a backdoor attempt to try to continue to harass me for a debt that is not mine. Since this case was closed through the CFPB investigation process, I have heard nothing from this company by mail or any other communication until they started auto dialing my job on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies did not add any amount to my credit report but they did cause hard inquires during a recent attempt to purchase a vehicle. I did not authorize the dealership to perform a credit report screening for these companies
Product: Debt collection

I was seen at XXXX XXXX in XXXX Kentucky in 2017. I provided them with my insurance card when seen and then I called them to provide the information. I assumed it was taken care of because I never received anything stating it wasn't until it showed up on my credit report. They obviously never corrected my account as having insurance and the insurance was never billed. They stuck me with the bill on my credit report.
Product: Vehicle loan or lease

I had many issues with a checking account with Wells Fargo many years prior and closed the account due to thousands of dollars of overcharge fees and freezing my account over and over. When trying to purchase this vehicle Wells Fargo was the only bank with the lowest interest rate so I accepted the car loan. My interest was changed to a higher amount after I purchased the vehicle, I was charged fees for being late when my payment was made on time and they had just not processed it. I received calls saying they were going to reprocess my vehicle and I was up to date with all of my payments, they charged fees and added them to the loan. The loan was opened XX/XX/XXXX and my car was totaled and my car insurance paid the loan off in XX/XX/XXXX with my GAP insurance is what I was told. The fees were never reimbursed although they were unlawful fees, the constant bullying and threats that my car would be taken even though I never missed or was late on a payment on this vehicle. I should have known to not accept the loan through this bank due to the thousands of dollars they cost me years prior. I was offered another loan for my new car in XXXX and denied Wells Fargo and went with XXXX. This bank is fraudulent in every way and steal money from their good standing customers, and harass them.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.
Product: Mortgage

I submitted complaint XXXX in XXXX because Mr. Cooper was not processing my payments correctly. In response to my complaint they suspended my due date until XXXX XX/XX/2019 and promised that future payments would be processed correctly. When I attempted to process a payment on XXXX XX/XX/2019. The payment system perpetuated the same error I made the previous complaint about. Mr. Cooper made the following promise in their response : " Please note that because the account was current when we received the payments detailed above, the funds were applied to reduce the principal balance due on the loan. We understand any inconvenience that may create. We have submitted a request on XX/XX/2019, for a Message Code XXXX to be added to the account. This will prompt for a review to be completed of the payment details to ensure proper application. '' This was untrue and they did not fulfill. My payment should as regular payment when I submitted and was switched again to principle payment during processing. This causes two harms : failure to pay down accrued interest and failure to process escrow payments. At this point I have no faith the payment system is displaying correct information about the loan and I have no reliable way to reconcile to correct amount of interest charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized anyone to report hard inquiries on my credit report therefore they must be removed Immediately!
Product: Credit reporting, credit repair services, 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 another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are 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 these accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Payday loan, title loan, or personal loan

foreigner pretending to be One Main Financial sent text the person offered {$10000.00} they already had my banking info and ssn. number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified that my information was breeched from several companies. I have recently noticed that request to review my credit was completed but not by me requesting anything. This request was not authorized by me. Please delete this information
Product: Vehicle loan or lease

I traded in my XXXX XXXX and financed a XXXX  XXXX XXXX last year. Mainly to get back and forth to work ( as a XXXX XXXX XXXX ). I am also a part of XXXX XXXX XXXX XXXX XXXX. We began XXXX last year and instead of having an additional bill while XXXX I began to ask about the SCRA law. I tried to utilize it, not knowing there was a difference between what the law does in comparison to financed and leased vehicles. Getting ready for my first XXXX XXXXXXXX and doing my best to get my family ( wife and XXXX children ) settled for my departure, I continued with turning in the vehicle. A representative for chrysler capital put me at ease, telling me, vehicles are often upsold and when that happens the previous owner is written a check. Knowing I had a barley used, 2022, " in demand '' vehicle, I thought it would work out well. While XXXX the vehicle was sold, at an " auction '' for more than 20k under the value. Chrysler Capital wants me to pay the difference.
Product: Debt collection

I am unaware of this debt. 
I didn't have the opportunity to dispute this information. 
If you do believe that you gave me the proper notification, please send me the certified receipt with my signature and name on it. 
Also, my information was about a big data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports show that the account is charged off yet this account is settled and paid in full.
Product: Credit reporting or other personal consumer reports

My consumer report is showing a closed account from XXXX, but it has an updated balance which should not still be reporting on my consumer report this account needs to be removed immediately. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent which I did not provide. Without this information this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.