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

We me and my husband bought a car from America Car Mart in XXXX Ar, We had problems from the first day of signing paper on XXXX, 2022 so car-mart asked us to contact them after the holiday weekend. That was our only vehicle to get back and forth to work and they do not offer a rental while its in the shop. Well we finally XXXX weeks later they sent me to XXXX XXXX and the maintance teck came out and asked if i could step outside so he could show me what was wrong, the skid plate was missing the rims were bent one of them. Then after that when i got home i came out to go to the store the bumper was glued on ground effects and bondo together. So We contacted corporate made a complaint and finally called again and the area manager called me and I am in joplin taking care of my mother in law she has XXXX wanted me to take it back to the dealership then it was un safe for me to drive especially on the hiway, so my husband called brain the area manager and they were supposed to put us in a new car with a new contract. What they did was immediately said we wrecked the vehicle took the car from us and my husband lost his job because of all this we have pictures, i feel like they are trying to cover their trakes and screwed and glued back togerther. They did not disclose it had been wrecked, their own teck guy that works for car mart did. They lied to get the car there and we only had itt 45 days. They are decietful... And cost someone their home there job and did not keep up their verbal promises,
Product: Mortgage

Summary : Mr. Cooper made a mistake on my account and failed to close my load on time. Instead of proactively solving the problem, they put a delinquent record on my credit report and charged me extra money for interest. 

I had a mortgage with Mr. Cooper. I have received a notification stating that I am overdue on my XXXX XXXX, XXXX payment. It left delinquent records on the borrower 's credit reports. I believe this is an error made by Mr. Cooper but hurt the borrowers ' credit records. 

My payoff fund was sent to Mr. Cooper on XXXX XXXX, XXXX, intended to payoff and close the loan. According to Mr. Cooper in a later phone call, the payoff did not take effect immediately due to the balance was insufficient. However, this was made by a mistake from Mr. Coopers XXXX department XXXX which mistakenly made a duplicate payment to my insurance company. If this mistake was not made, my payoff should have been taken immediately on XXXX XXXX, XXXX without any overdue. I contacted Mr. Cooper several times in late XXXX and XXXX to discuss this issue. What Mr. Coopers customer representative told me is that I should request the insurance company to return the overpayment to me and then I can pay off by depositing that overpayment back to my escrow account. Meanwhile, I was told that a request was awaiting XXXX approval to recalculate my interest through XXXX XXXX, XXXX instead of XXXX XXXX, XXXX. I was told that I dont have to pay the XXXX XXXX XXXX 's statement since Mr. Cooper XXXX received my payment fund and the calculation is correct. After receiving the refund from the insurance company, I made the payment on XXXX XXXX, XXXX and the payoff was processed. The payment includes the interest all through XXXX XXXX, even though all my payment was sent to Mr. Cooper by XXXX XXXX, XXXX ( excluding the insurance premium which was double paid by Mr. Cooper ). 

With the facts above, it is obvious that my loan should have been paid off by XXXX XXXX, XXXX if Mr. Coopers XXXX department had not mistakenly made a duplicated payment. I should not be obligated to pay on XXXX XXXX, XXXX, as this is a mistake made by Mr. Cooper, and I was directed by Mr. Coopers service representative to wait till the insurance company refunds the overpayment. Furthermore, I am not obligated to pay the interest through XXXX XXXX, which was charged on their closing calculation.
Product: Credit reporting or other personal consumer reports

Equifax is reporting incorrect information on my consumer report. What financial records were used to verify that this account was late or even validation that it belongs to me. I have a right to validate and verify this information.
Product: Mortgage

My husband and I got behind on our mortgage in 2015 due to a medical issue and changing employment. I started the loan modification process with CitiMortgage in XXXX of 2015.  My " Homeowner Support Specialist '' would always be unavailable or out of the office. I would often have to rely on email communications that would take days or weeks for a response. He would say that the documents I would send would never be received or they were inadequate or more documentation was necessary to give to the underwriters. This process went on for almost 6 months. I was constantly resubmitting documents I had already provided or asked for additional items. I was also being advised about not making a payment because if I did it could disqualify me from the loan modification program. I repeatedly asked for another worker for my file and requested to speak to supervisors. I would get nowhere. Finally they did give my a new " support specialist and after 6 months time and after resubmitting all documentation to the new worker it was determined that my husband and I did not qualify for anything but a repayment program that made our payment from {$1200.00} a month to {$2400.00}. CitiMortgage tried to take our home away from my family. We received no help
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  AND XXXX XXXX Balance Owed : {$460.00} XXXX XXXX ( Original Creditor : XXXX  XXXX IN. COMPANY ) XXXX Balance Owed : {$90.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hello, On XX/XX/2020 I made a cash deposit at my local Chase Bank via their ATM. The ATM accepted the cash but my receipt stated there was a problem with the deposit and to call the bank to confirm the deposit. 

Since this time I have visited the Bank and spoke to the Manager several times and called customer service with no resolution. I have been asked to check back in a few days for an update but unfortunately I continue to get a default answer " we're still researching. 

Amount deposited : {$1300.00} My phone number : XXXX
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed i had fraudulent account on my report please remove these account from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX  : {$2800.00} XXXX XXXXXXXX XXXX XXXX  {$710.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2022 I sent my second letters via certified mail to delete inaccurate information off of my report. I sent XXXX dollars to send mail via certified and they refuse to funish the correct information.
Product: Credit card

XXXX XXXX Amex offer a credit card in order to save on purchase of airfare. They tell you that you'll get half off of your airfare, and also get XXXX points after purchasing {$2000.00} in XXXX  months. They set the initial limit to {$1000.00}, but don't tell you that until after you accept the credit card. My airfare was {$1100.00}, which makes the half off offer unattainable.
Product: Debt collection

I sent certified letter to the company requesting Debt Verification Notice and competent validation that I am obligated to pay alleged debt. The letter is dated XX/XX/2023. Prior to the letter being sent I disputed the entry into my credit profile with XXXX, XXXX, and XXXX. I am reporting this company to you because all three bureaus will not provide me with verification of the methods they used to validate this alleged debt and neither will this company. It is within my rights to request such information. The company 's name : Hunter Warfield XXXX XXXX XXXX XXXX XXXX XXXX XXXX In my letter to the company, I asked not to be contacted by telephone or electronic systems, but was ignored. They use a multitude of numbers and electronic systems.
Product: Debt collection

LVNV Funding LLC at XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$920.00}. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. LVNV Funding LLC does not have a contract with my signature and I do not owe them a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX New Mexico XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. After reviewing my report, I have found several items that I believe are inaccurate and do not belong to me. 

Firstly, I am unaware of an account with XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I request that it be deleted from my credit report. 

Secondly, I have no recollection of an account with XXXX XXXX XXXX ( Account Number : XXXX ). Therefore, it is not possible for you to update an account that I have no recollection of belonging to me. I demand that this account be removed immediately from my credit report. 

Thirdly, I can not recognize the business of XXXX XXXX ( Account Number : XXXX ). I request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Fourthly, I have no recollection of an account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Additionally, I have no recollection of authorizing credit inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand that these inquiries be removed from my credit report as they were not authorized by me. 

Lastly, to the best of my knowledge, my account with XXXX XXXX XXXX ( Account Number : XXXX ) has never been paid late. Therefore, your reporting of my account is completely inaccurate, and it is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

I would appreciate your prompt attention to these matters and request that you provide me with written confirmation once these issues have been resolved. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Equifax is reporting outdated information and I am within my rights to request the removal of the outdated creditors. I am asking for the deletion of the following outdated creditors : Names : XXXX Acct # : XXXX Date Opened : XX/XX/XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My car loan with credit acceptance has been paid off.After speaking with credit acceptance over the phone they have verified that my loan is paid off and that the car was not repossessed.experian refuses to take the repossession off my credit report.This has been negatively impacting my credit score.The loan is 100 percent paid off and the car was never repossessed.Insurance company paid for the car and the remaining balance was paid when the car was auctioned.
Product: Credit reporting or other personal consumer reports

Last night I received emails from Experian XXXX XXXX saying my email and SSN were found on the dark web. I followed instructions and entered my Experian acct using my password. When it asked for SSN, I got nervous and showed it to my husband, who said it was fraud due to the added 'identity works ' in the experian web address. So we opened a fraud report in Experian. In hindsight, and after doing more research on Experian XXXX XXXX, it looks like it is an arm of Experian, so I wanted to resolve this problem with Experian. As of today, I have tried to figure out what happened, but can not contact Experian. The number they provide does not allow you to talk to an human ( I've tried calling many times within their normal business hours ), and I am locked out of my Experian acct. I can not get in to see the report ( which they never emailed a confirmation about ). They ask various methods to make sure it's me to get into my account, but they all fail, including my SSN and birthday, they say does not match their records, which is very alarming. I am afraid for my stellar credit report and other information on experian. I need experian to contact me and rectify this and I am appalled that there is no way to contact them, besides a mailing address in TX, and I am very concerned to be locked out of my acct.
Product: Checking or savings account

On XX/XX/XXXX we ordered a drafting desk for our daughter as a XXXX present. The item got lost in the mail according to XXXX and they refunded us on XX/XX/XXXX. On XX/XX/XXXX XXXX made an unauthorized 2nd charged for the aforementioned desk. I contact XXXX on XX/XX/XXXX and explained the situation. The customer service representative said that is was an error that I was charged a 2nd time and that I would be refunded. On XX/XX/XXXX I contact XXXX again and this time a different representative stated that I needed to dispute with my FI if I want a refund. I contacted PNC XX/XX/XXXX to file a " Non-Receipt of Goods/Services '' dispute. I contacted PNC about 3 weeks later to check on the dispute as I had not received " Provisional Credit '' in 10 business days. I was told that it was being worked on. I called again in the beginning of XXXX. I was informed that a letter had been mailed out to me via USPS and I would need to reply to it before XX/XX/XXXX. I then called 2 other times during those following two weeks seeing if I can obtain another copy of the letter since I have never received it in the mail. Both times the rep told me I needed to wait for it to arrive in the mail. On the XXXX of XXXX I called and explained again. Finally a rep was able to get a rep to have a branch provide me with one. The same day XX/XX/XXXX that I received the letter I faxed back to them a response, as well as, documentation showing that the item was not recieved and the refund receipts even states " YOU CAN KEEP, DONATE, OR DISCARD THIS ITEM ''. I then followed up again about a week later and spoke with a woman who said that they are still working on it. I called today and was told the same exact thing. That it will be 90 more additional days to the completion. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

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

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$67.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize I have hard inquries on my report that I did not approve of nor had any knowledge about the companies. Included are the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Regions Bank - XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XXXX XXXX  RE : XXXX On XXXX/XXXX/2022, I wrote to you and requested information about an account you are reporting on my credit report but you never responded. I then sent another letter to you on XX/XX/2022 and XX/XX/2022 advising that if you failed to respond and/or comply with the law, then you would be subject to fines and damages, per the FCRA. You still failed to comply. Please note, for the record, that this is my final attempt to reach a resolution directly through your company to resolve this issue. I am no longer merely requesting verification of this alleged debt. At this point, I am formally demanding that within the next 7 days, you remove this unverifiable account from any and all credit bureau reports in which you are reporting to and that you send me notification of your intent to do so. Should I not hear from you, again, within the next 7 days, and you are still reporting this account at that time, then the next communication you receive from me will include copies of formal complaints made to the XXXX XXXX XXXX, the State Attorney General, and the Federal Trade Commission not to mention my legal counsel and the local media that I plan to reach out to in order to expose your unlawful business practices. I would much rather resolve this issue both swiftly and amicably without the involvement of anyone else. Therefore, your response by XXXX/XXXX/2022 would be greatly appreciated! 

I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you never responded, but updated on website that " This item was updated from our processing of your dispute in XXXX 2022 '' and that my last complaint was a duplicate. My last complaint was a notice of estoplle by your silent Under the laws of the FDCPA, I have contacted the collection agency Denefits llc myself, and they have failed to verify that this is indeed my debt.

I enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency.

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief.

According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Thank you for your time.
Product: Debt collection

I HAVE NEW AND UPDATED INFORMATION, PLEASE SEE ATTACHED DOCUMENTS. CKS. HAVE REMOVED THE COLLECTION FROM XXXX AND XXXX BUT NOT XXXX
Product: Money transfer, virtual currency, or money service

Venmo says my account is frozen after I was sent {$65.00} to my Venmo account. That was my first and only transaction so far. Email received from Venmo says account is frozen due to account activity that caused an alert of some sort. I am unable to access my funds and Venmo refuses to provide me with information and instructions on how to retrieve the money that is rightfully mine
Product: Student loan

Overall, my student loans are more than my home. They say that I owe {$180000.00} + with my monthly payments being more than {$2000.00}. My monthly income is only {$3000.00}. There is no way that I can afford that monthly payment. I've been at my job for 23 years and have my income will NEVER increase to the amount to where I can afford to pay {$2000.00} + a month. I need help.