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

I brought a XXXX XXXX XXXX back in the beginning of XXXX and the car was for XXXX after taxes and fees. I lost my job and couldn't get another one cuz of covid so I was doing XXXX XXXX and XXXX XXXX but the people I brought the car from ( dealership ) didn't know the car fax and was selling a salvage title car as clean. I found this out because the last owner left his driver 's license under the seat of the car after the dealership said they did all the maintenance and cleaned the car. So at this point I'm stuck with it and a XXXX car turned into a XXXX, XXXX car because I had to fix all the things they said they already did besides the the car being hit on the driver side. So I got cough up on my little XXXX dollar car payment and XXXX dollar insurance that's easily payable but again i lost my job because of covid an couldn't get another so I did deliveries with the car n that didn't help when I was trying to fix the car. I told the bank they gave me a couple months, the bank by the way it ( Santander ) but I was just caught at a bad time. So for the last XXXX year Santander has been calling my wifi number every day sum times XXXX a day, I been reading about credit dispute and the lawsuit Santander has because of the endless spam robo call I already told them I couldn't pay it but they just kept calling even after they sold the car and written the car as a tax came or w.e it says but I just need sum help to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX 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 report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I feel behind in payments due to illness and unemployment. In XX/XX/XXXX I was in a truck accident in the vehicle I got from Santander for which the vehicle was upside down when medical personnel arrived and the truck was a total lost. I gave them the vehicle back and had GAP insurance. I thought it would cover the cost of the vehicle and make me break even, they also sold the vehicle and mad a profit off it and they did n't take the sale amount of the truck. Also they are still charging for this vehichle. perpetratory charges of late fees and interest, these vehicle they got me owning more now than the original amount of the vehicle. They keep reporting different amount to the credit bureaus each month a duplicates sometimes. I cant believe these lender can do this to my as a consumer i feel like my constitutional rights have been violated.Every month these lender is causing derogatory marks on my credit bureaus.Please help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX XXXX and Experian Credit Bureau. I noticed two unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove the inquires dated, XX/XX/XXXX. 2020 and XX/XX/2020 Because I did not apply for credit with XXXX XXXX. 
Please launch an investigation into XXXX XXXX inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to the XXXX credit bureaus. I am enclosing copies of XXXX credit reports to show the inaccurate information being reported. I have called and tried to word with XXXX XXXX XXXX to get this problem resolved, but they keep saying the information is correct. By law, the information being reported on my credit report is inaccurate and needs to be removed. XXXX XXXX XXXX is reporting that I have late payments XXXX days late. On XXXX credit bureaus it show XX/XX/year> in good standing then XX/XX/year>, is XXXX and XXXX days late. Then XXXX XXXX XXXX and XXXX  days late. I am not sure how you can report good standing XXXX month and then the next month be XXXX or 9XXXX days late. I want this inaccurate information removed from all three credit reporting agencies.
Product: Credit card or prepaid card

To whom it may concern, XXXX charged a fake no show reservation on my capital one card, after I already paid them full amount plus XXXX additional driver fee using my XXXX  card when they lied the reservation was under my name instead of my husbands name. I disputed the no show charge with capital one and submitted my evidence ( please see attached : rental agreement, etc ) through mail and online multiple times. Capital one only acknowledged the fake evidence from XXXX, and denied any evidence provided by me. As a result, they unfairly declined my dispute. They failed to protect their consumer under fair credit act. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Product: Credit reporting, credit repair services, or other personal consumer reports

i took out a loan against my house with citifinancial and it was closed on XX/XX/2320 and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to XXXX  and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it to XXXX
Product: Credit reporting or other personal consumer reports

with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX has violated XXXX XXXX XXXX XXXX In accordance my rights. 
15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 Section 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions
Product: Mortgage

I need help with my mortgage company This is the equity line on my house and the 10 year interest only came due and they are requesting the whole balance I do not have that and have been offering there money for a short payoff my family has offered to help with the money they keep saying no only will take the whole balance We did get a Modification on the 1st mortgage under the Hamp program and never been late with that I have been willing to make Reg payments on this mortgage they keep asking for the same info over and over again Now I am facing a sale date next week trying to action off my family home please don't let this happen and have them give us more time and a plan to keep are home. 

We were told at one time if we got a Hamp Modification on the 1st the 2nd would work with us why is this not true anymore? And if this is gone why did they not do something way back then to help me keep this home not just keep asking for all the money and well the interest keeps going up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO {$490.00} CHARGED OFF DUE TO FORGED CHECK which i didnt do and dont know off i want to pay it off and be able to open an account
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, 2022, Received an alert from XXXX XXXX on my XXXX account that a new Goldman Sachs Bank USA account was detected. I didn't apply for this company 's services and have no idea who did use my name. The notes stated that the account was opened on XXXX XXXX, 2022. I have never applied for this account and spoke with the company 's fraud department. They informed me that their company doesn't do credit checks and I should report this to you and several other credit agencies.
Product: Mortgage

Clear Spring Servicer my loan for XXXX XXXX at closing the balance due XXXX approximate and escrow amount XXXX approximate ( see attached ) Clear Spring online services allow you to see what is owe, escrow, tax and ( See Attached Payoff ) etc, The The approximate payoff would be XXXX returning the escrow money. XXXX XXXX said that the online services balance owe is a approximate. They changed pay off to XXXX approximate to pay XXXX XXXX XXXX me the borrower XXXX and there is no check in the mail. XXXX is the new lender so they paid the XXXX but the `` COUNTY '' still have XXXX XXXX as a lien on my property ( complaint will be made today on XXXX XXXX ) XXXX said that 's an issue to be resolved by Clear Spring ( case number complaint for XXXX XXXX ). I request XXXX to changed of Loan Servicer but was denied! Now my new lender to payoff XXXX request payoff and again Clear Spring changed the payoff from XXXX to XXXX, XXXX has a interest only loan but still waiting for signed closing documents and penalty for early payoff. Clear Spring charged owe interest and XXXX wo n't response to it correctness. Clear Spring owe me extra XXXX ) at closing totaling XXXX. And a paid account with XXXX XXXX still showing lien on my property. New lender Title company is trying to resolve the issue but XXXX XXXX and XXXX wo n't help or resolve the issue they both demand us to contact CLEAR SPRING.
Product: Checking or savings account

Someone else report my debit card as damaged and order a replacement. Somehow got my pin # and withdraw {$6000.00} dollars from my savings account. The chase bank gave me a temporary credit of the money and after two weeks they removed the money from my account and said thatI authorize the withdraw s and practical y that I know the person that took the money, and close the case .Not only that the day that I was making the repor at the bank, there was a man using the stolen card withdrawing money at the branch.The Manager
Product: Mortgage

My wife and I went through Loan Depo for a refinance. Loan Depo choose XXXX XXXX to complete the appraisal process for XXXX XXXX XXXX We called to schedule an appraisal but were told by a representative from XXXX XXXX to go online and schedule. So we went online to schedule the appraisal but weeks went by before we heard back from anyone to confirm the appraisal date and time. we had to call XXXX XXXX many several times and still no response from the appraiser or when the appraisal would take place. Finally, the Lender contacted XXXX XXXX, and we contact a supervisor to get a response. Finally, we heard back from the appraiser. The appraisal was scheduled in two days and completed on XX/XX/2022. Two days before the appraisal deadline was set to expire per Loan Depo. The appraisal come back weeks later and we found many inconsistent issues with the report. So we contacted the appraisal company and asked the representative to ask the appraiser to answer some of the concerns we had just to understand why he used the information on the reports as he did since the report did not provide detail. As well as, to understand and get clarity. We again have no response. So we drafted a letter of our concerns and sent that to Loan Depo. Loan Depo put in a request to XXXX XXXX and the appraiser did not address any of our concerns.
Product: Mortgage

Our mortgage with XXXX XXXX is set on auto-draft the XXXX of each month. We received mail from Truist bank roughly on XX/XX/XXXX regarding a Servicemembers Civil Relief Act Notice. I thought it was strange and did not apply until I noticed a Mortgage XXXX XXXX on top of the notice. This was suspicious. I logged into XXXXXXXX XXXX, our home 's mortgage company, website only to discover the account was closed. We received NO NOTICES regarding our mortgage being transfer to Truist Bank. I then saw the account changed XX/XX/XXXX. Our mortgage was paid XX/XX/XXXX so I was not yet concerned. I then went to Truist to create an account. After many failed attempts to log in I had to call the bank because the website was malfunctioning. After XXXX minutes on hold, I spoke with someone and I was able to verify and log into my account. The account now does not let me make a payment towards our mortgage. I call the mortgage help line at Truist and am told I will receive a call back because the wait time in XXXX minutes. It has been XXXX hours. I call again to try again ; the automated systems tell me I am already on a list to get a call back. I log into my personal bank account where our mortgage is draft only to find out MY CREDIT SCORE DROPPED because of the delinquent status on my account. Our mortgage payment from XX/XX/XXXX was also refunded and XXXX XXXX Truist ever received it nor communicated or attempted to collect it. Freedom mortgage had our mailing address, phone number and emails. NOTHING CAME.
Product: Credit reporting or other personal consumer reports

VW. Credit/Audi Financial- reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX reported late payments on XX/XX/XXXX 15 U.S.C 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE.

12 CFR. 1026.13 ( d ) ( 2 ) - Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

They are in violation of my privacy rights per the Privacy Act of 1974.

It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. All inquiries being reported are to be DELETED from this report as it is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to get this account off of my credit report. I have sent in XXXX disputes along with proof that it is myself requesting the account to be removed. I have requested a full file disclosure and not received.
Product: Payday loan

I issued a stop payment on a check after checksmart refused to work with me after i lost my job. they have been calling me up to 9 times a day demanding payment in full, or that i ask a relative. They have refused my offer to set up a payment plan and have threatened to go into my bank unauthorized and deduct the funds illegally. I told them that i didnt have the money, but i wanted to get the debt paid on an installment loan plan, the refused and they will not quite calling. ive lost my job and have kids to take care of.
Product: Credit reporting or other personal consumer reports

Equifax reinserted deleted accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX without following FCRA 1681i ( a ) ( 5 ) ( B ) reinsertion laws. I was not notified within 5 business days, and Equifax failed to provide the required certification of accuracy before placing these accounts back on my credit report. This is a direct violation of the Fair Credit Reporting Act, and I am requesting immediate removal of these accounts and compliance with reinsertion procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

T

his was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment rep orted in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

GLOBAL LENDING SERVICE never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : $ {$6000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling disputes particularly in light of the recenrt CFPB lawsuit highlighting significant issues with the platform. dispise using zelle numerous times and reporting discrepancies< my financial institute and zelle failed to investigate my claims adequately, They informed me that that reviewing lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about comsumer safety.
Product: Mortgage

I have been given a notice of sale 14 days prior to the sale and have been railroaded every time I try to ask for help. I haven't been able to talk to the referenced help on letters I've been receiving and the foreclosure proceedings were done 14 months ago and I went through a covid forbearance since then but a different company is now taking my home and did not allow me to apply for loss mitigation! Do to the timing issue. But I didn't even have 30 days notice of the sale! My home will be lost in 2 days and I need help. My mother offered to purchase the home but they said I had to have that completed first which isn't the truth! I've been researching laws regulations and statues and realize my mortgage company is doing me very wrong
Product: Debt collection

Account Name : I C SYSTEM Account Number : XXXX Date Opened : XX/XX/2021 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.