23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was in the final week of closing on a property in Texas. The house was supposed to close on XX/XX/XXXX in Texas. On Monday, XX/XX/XXXX, I was emailed ( along with my lender ) at XXXX and asked for contact info for the buyer. The display name of the email was the same person who I have been working with at XXXX XXXX based in XXXX. The actual email was " XXXX '' which is different from the real email of XXXX XXXX contact. The loan XXXX for my lender responded with my name, email and phone number. About XXXX minutes later, I received an email asking me to wire the funds to close on the property, without anyone else on copy. This email came from the loan XXXX as the display name, but it was actually the same gmail noted above. I responded to their email multiple times and they provided the wire instructions. I wired {$100000.00} to Fifth Third bank, however, did not list the beneficiary as the scammer requested. Instead I put XXXX XXXX on the recipient 's as the receiver account name. I used the account number provided on the scammer 's wiring instructions PDF. When at closing to sign documents, I told the closer that I wired the closing funds. The closer called the title company, and title said they didn't receive it. Then I contacted my loan XXXX, and he said he didn't provide the wiring info. That's when I looked back at the emails and realized it was a fraud. I contacted XXXX XXXX that day ( XX/XX/XXXX ) to recall and reverse the wire. I also submitted an XXXX case to the FBI the same night and have been in contact with an agent. He said the resolution needs to come from the banks, but that the scammer 's account was frozen, and the money is held by Fifth Third Bank. A few of the XXXX address in the different scam email headers are XXXX, XXXX, XXXX Since this happened, I have visited XXXX XXXX ( multiple branches on XXXX, XXXX, XXXX, XXXX ) and called the recipient bank ( Fifth Third ) multiple times. I called XXXX XXXX XXXX wire department every day for the first XXXX weeks, and called the consumer complaint department many times. I have called XXXX Fifth Third branches ( including the one where the account holder is ) as well as the general customer support. XXXX has tried numerous times to contact Fifth Third Bank. According to XXXX, Fifth Third Bank has not responded or even acknowledged receipt. XXXX then closed the recall due to Fifth Third not responding. During a visit and a follow up call to XXXX, I successfully reopened the recall case and asked to escalate. I also filed a complaint with XXXX XXXX for closing the case after about XXXX weeks of it being opened. When I contact Fifth Third, they will not give much information since I do not have an account with them. They said they do respond to messages and are unsure why XXXX would claim Fifth Third hasn't responded. I am also filing a police report and will be emailing the XXXX teams at both banks today.
Product: Credit reporting or other personal consumer reports

Upon viewing my recent consumer credit report, Colonial Auto Finance account # XXXX, has willfully violated one or more of my consumer rights Under the FRCA, Fair Credit Reporting Act. 
Having misused or the Improper use of my credit report, defamation of character, and violating my rights to privacy and reporting this account without my written permission. This company never sent me a 1099 as requested for either closed and or charged off account, secondly Under 15 USC1692F, non judicial repossessions are ILLEGAL, I was not notified by this company with a notice of sale when they resold the car, how said vehicle was sold, the calculation of or a letter of deficiency and how they came up with the amount that they say that I owe and how much it was sold for, and how much was owed on the ACTUAL BALANCE, I never received that notice of SALE, from this company and this is a violation of my consumer right Under the Fair Credit Reporting Act, and Under UCC Article 9. I was not given the legal notification in regards to repossession. I was not notified where car was given a chance to redeem it, ( this is breaking the law ) And lastly, Under 15 USC 1681b, specifically address the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Which means the credit agencies must have written instructions by me " the consumer '' that I'm allowing for you/your agency ( company ) to put this on my consumer credit report, I never sent such agencies or company any written letters of consent to report this account on my consumer report, if so they need to verify any such letter that I may have sent them. If they can not, they have broken the law and violated my consumer right to Fair Reporting on my consumer credit reports.
Product: Credit reporting or other personal consumer reports

I had moved about two years ago got a no causes eviction fine but we moved out by the 30days they locked us out the account within a week than never heard from them again about a year later we got on r credit report a debit for XXXX dollars from a company that bought the debit from desert reality realtor but they never sent us a reason for these charges n to do so they have to first notify us of these charge per nv law
Product: Credit reporting, credit repair services, or other personal consumer reports

I a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and XXXX XXXX XXXX. I was given an settlement claim number along free credit reports for XXXX years. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. 
In accordance with FRCA evrything must be accurate. 
My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). 
How can these been accurate if my SSN is not even on my report, along with XXXX different names, XXXX diffrent employers and XXXX diffrent dates of open, XXXX XXXXXXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} I am requesting these accounts to be deleted for they are not mine!
Product: Vehicle loan or lease

Have an auto loan that I acquired in XX/XX/2013, Ive been late a lot of time due to financial hardship but never stopped paying. Now my loan has mature I am done with all my payments and the are charging me almost 2 thousand dollars more. When I called they told me it was late fees and months that I had requested extensions and that I needed to pay all XXXX XXXX dollars at once or they where coming to get my car. called again trying to get a plan to pay everything without them taking my car but I was told now that everything I owe is interest and late fees ( they say today that they are not coming to pick up my car ). The issue is that they are not consistent on why I owe that much money every time I call they give me a different story and on top of that they are constantly harassing me calling me all day long even when I speak to them they keep calling back, they call my job, they call early in the morning late at night from different numbers even from out of the country numbers. They dont check their records before calling even after I pay they call me saying I need to make a payment And a lot of time they are not very nice when they call.
Product: Credit reporting 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. 

XXXXXXXX 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 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 XXXXXX/XX/XXXX 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 card or prepaid card

received a CC from USBank ( reliacard ) at the PO box of my vacation home that I did not apply for. Tried several times to contact the CC company to tell them that either 1 -- they sent me an unsolicited CC to an insecure, often unchecked PO box or 2 -- someone has stolen my identity and somehow intends to gain access to my locked PO box of my vacation home, but the only option possible was to activate the CC ... no option to speak to a customer service representative despite calling back several times and trying several options!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle from the XXXX, Virginia DriveTime location in XX/XX/2021. The issue was with the sales associate that I had worked with named XXXX. Whenever going through the process, at the start of the appointment I explained that my maximum down payment amount would be {$500.00} but I preferred lower. XXXX assured me all cars in the lot were able to be adjusted to meet my pricing needs on down payments and showed me a vehicle I was in love with. Whenever it got to the paperwork portion of the appointment, she explains she will debit my card for {$2000.00} without discussing with me first. I explained that I had a set limit and she insisted I still come up with the additional money to cover the down payment. Eventually I switched vehicles to another model that did fit my budget of {$500.00} but I was never offered the option to view something less than that on a down payment and when I asked to view those as well I was told no. I also purchased the warranty which was presented in a very predatory manner, the reason I purchased the warranty was because XXXX told me that a rental would be covered from the day that a mechanical issue happened until the day the repairs were completed. I asked if this meant that the rental was provided up front or if it would be reimbursed. She stated it would be upfront with no money out of my pocket. I agreed due to that because affording a rental car isn't a possibility living paycheck to paycheck and being able to make it to work every shift is important as well since I am the only one working in my household due to COVID-19. Whenever I did have a mechanical issue appear, I followed the steps to submit a claim and was informed that it was by reimbursement only and that there was also a limit on the amount eligible for reimbursement. Due to the lies I was told by DriveTimes representative I am now stuck without a rental car because I can't afford one and I am having to miss work due to no transportation options. The issue with the car was the CVT transmission that DriveTime last serviced was filled with the wrong transmission fluid which caused a mechanical failure of the transmission resulting in a full replacement being needed. I spoke with DriveTimes customer relations department who practically denied everything and said a coaching opportunity would be provided to the store I visited. I was not given any rectification regarding the situation that my family is now in due to their lying representative XXXX. I am now at risk of losing my job which will create a huge impact to me being housed and fed.
Product: Debt collection

Settled judgment with lawyer at XXXX XXXX XXXX my debt consolidation program has been trying to reach their office since XXXX they dont return phone calls I ve tried left messages with no luck just want to pay them in full they are still on my credit report harassing my life and my progress forward they are terrible
Product: Vehicle loan or lease

I went to 6 different new car automobile dealerships and they all had the same preprinted contract which I was told I had to sign and thereby agree to arbitration should any problems arise with my new  XXXX  or its financing, with Chase Bank and the dealership picking the arbitrator and that I must do what their arbitrator decides ; this is un-American and unfair. It is duress and coercion.     I tried crossing out that/those clauses and I was told the bank and  XXXX  would not approve my loan because I can not cross out and initial their contract even though it is both one-sided and detrimental to my best interests.     Therefore, a new contract was given to me to sign even though it was against my best legal interests and totally in favor of Chase Bank and  XXXX  car company.
Product: Debt collection

XX/XX/XXXX XXXX This something i have no idea what it is and why its on my report. I want proof of who they are to make sure theyre not some random bill thats from anywhere due to fraud. I never received anything from the company or who they are.
Product: Money transfer, virtual currency, or money service

On XX/XX/2002, a payment was made in error to XXXX XXXX  that should have been made to Comenity Bank. XXXX had recently sold my credit card account to Comenity. Comenity uses Bread Financial to process electronic transactions. XXXX XXXX XXXX XXXX 's mobile bill pay the funds left my checking account and was received by XXXX. I reached out to XXXX who advised such a transaction would be forwarded to the trailing institution. Nobody knows where the funds have gone. XXXX & XXXX has provided proof that the funds left my checking account, XXXX claims to have provided proof Bread financial last had it. Comenity claims to never have received it. It appears Bread Financial lost the funds. This has been investigated by the above companies and XXXX Bill Pay for almost a year. Meanwhile I lose {$4500.00} and countless hours of frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource receivable is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.
Product: Student loan

Received multiple notices thaXXXX XXXX  income certification was due for XXXX plan from XXXX. Recertified prior to the deadline being extended and my monthly loan payment increased over {$1500.00}. Was not told that the certification date was extended and could have remained at a much lower payment. Website even says if payment was lower prior to recertification it would be rolled back to lower payment but this did not happen.
Product: Student loan

My student loans are consolidate with Navient. I called Navient today to get more infomation regarding loan forgiveness and found out they previously gave me wrong information. I was previously told by Navient that after XXXX payments I would qualify for student loan forgiveness. Today, after XXXX payments I was told that that information I was given by them was incorrect and I must first consolidate with Direct Loans to qualify for the loan forgiveness. They offered no answer as to why I was previously given wrong information. What can I do?
Product: Debt collection

Cach LLC never contacted me once about a debt they purchased XXXX XX/XX/XXXXXXXX purchased it from XXXX in XXXX. I havent made a payment on this debt since XXXX. XXXX removed their account fTom my credit report because it 's over 7 years old. Cach LLC however is falsely saying it did n't go delinquent until XXXX and refuses to remove it. When I asked them to send me verification of the debt they refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I assumed some debt I sent a debt update letter, absolute assignment of debt, notice and direction letter, debt certificate of ownership all notarized to EXPERIAN I paid off the debt in FULL its mine I own it. Credit bureaus are supposed to report accuracy correct? the first call said that it would be resolved that the tradeline should post in 3-5 days wasnt really clear on the ( dispute completed ) notification I received and told me status was available to call in the first place. The 2nd call the lady was working on my request typing lots of stuff in then it got disconnected. The last lady was very rude she said that I would have to contact the banks and thats a lie theyve already sold the debt to a 3rd party I bought the debt I assumed it I needed it to report o y credit report as PAID IN FULL.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I received a letter from American credit acceptance stating that I was denied for a consumer auto loan. It is against federal law in accordance with the equal opportunity act to proclaim an adverse action against a consumer. Pursuant to 15 USC 1691 ( c ) you assume civil liability pursuant to 15 USC 1691 ( k ) American Credit acceptance has violated my federally protected consumer rights.

15 USC 1642 15 USC 1681M 12 CFR 1002 Since the letter that was sent to me on XXXX is both proof and evidence that I have been discriminated against you are also criminally liable. American credit acceptance should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are late though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged Employer - 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
Product: Credit reporting or other personal consumer reports

I am not liable and refuse to pay this debt with XXXX XXXX. I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and I, otherwise remove incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and fraudulent accounts and inquiries are listed on my Equifax and XXXX credit report I pulled on XXXX. Below are the fraudulent accounts and inquiries in full detail, Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX, Incorrect Address : XXXX XXXX, XXXX, TN XXXX. XXXXXXXX XXXX XXXX  XXXX {$15000.00} ( XXXX XXXX ) XXXX. XXXX XXXX XXXX {$25000.00} ( XXXX XXXX ) XXXX. XXXX and XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX Equifax XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXXXXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX {$22000.00} XXXX ( XXXX XXXX ). I certified mailed a FTC Report listing this fraudulent items but the credit bureaus Equifax and XXXX has yet to remove these accounts