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

On XX/XX/2019 my husband and I selected and began the lease process for a XXXX XXXXXXXX  from XXXX XXXX XXXX XXXX XXXX XXXX. We were told the lease had been approved, the dealership changed our auto insurance over to the new car, removed all of our property from the vehicle, removed toll stickers etc. 

I was told they had to simply verify my social security number and then the salesman would come over to put on new tags etc. We were told it was approved many times before and while we removed our belongings. 

Two days later we received calls that told us they were unable to approve the lease. My husband is devastated! We told our family and friends about the new vehicle. showed pictures etc as we were promised and guaranteed it was approved. We were told by the dealership that it was based on Infiniti Financial services decision and there was nothing they could do about it. 

We now have to return the car to them and take back our old car, change insurance over, get new toll stickers and security bar codes etc. 

This is unfair, we have no explanation other than they could not verify my social security number which is ridiculous. It is very easy to verify this and I offered to bring any and all information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2021, XX/XX/2021 for my XXXX account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX and XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

Thank you for your consideration. 

Have a blessed day!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, a consumer reporting agency, for its failure to comply with the Fair Credit Reporting Act ( FCPA ) and to rectify a violation regarding the reinsertion of previously removed material on my credit report. 
please remove these accounts negative Balance updated XX/XX/XXXXXXXX XXXX XXXX  ) account info number ( XXXX ) balance XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX  ) Account info number ( XXXX ) balance XXXX Balance updated XXXX XXXX XXXX XXXX XXXX ) Account info number ( XXXX ) balance XXXX Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Account info number ( XXXX ) balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute for the 2nd time an unauthorized Inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed inquiry 1 : XXXX XXXX, XX/XX/year>, Unspecified. 


Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I mailed a certified letter on XXXX Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law on XX/XX/year>. I stated I was filing complaints regarding inaccurate items on my credit. Despite my efforts to resolve this directly it remains unresolved. I requested immediate investigation pursuant to 15 USC 1692g.

15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 Delete Collections 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1635 15 U.S. Code 1692g I havent heard anything back and my credit continues to remain the same
Product: Mortgage

Shellpoint Mortgage aka Newrez received my mortgage on XX/XX/22. I received a letter from my original lender XXXX XXXX  stating that the effective date of transfer is XX/XX/22. The letter stated that according to federal law I have 60 days grace period before the new company can take any action against me for late payment. I set up auto-pay through the web portal but it did not go through somehow. After seeing that no withdrawal was made from my bank account I made my 1st and 2nd payment to Newrez XX/XX/22 after talking to a rep. The next credit refresh showed that they filed a claim against me stating that my payment was late. I called Newrez and on a recorded line the employee told me it was an error on their side and it should reflect as fixed on my next credit refresh. I waited till the next credit refresh and the late payment was still there. I spoke to a new employee on the phone and they stated that the late payment was correct but they would pull the recording and get back to me, which they did not. I have now emailed the company with the letter I received from my original mortgage company and my current credit report reflecting the XXXX pt drop in my credit score from this error.
Product: Money transfer, virtual currency, or money service

Saturday ; XX/XX/XXXX PLEASE HELP ME!!! 

I reached out to find out where all of my shares went? and why is my account balance now XXXX .... 

I have two accounts, one with 191 shares and the other with 63 shares and reached out to the company to find out where are my shares and why am I now showing a XXXX balance in my account ...??? 

I also asked what were my balances prior to this XXXX balance and the rep had absolutely no answers for me. 

I asked to see all of my statements for XXXX & XXXX and none of my statements are accessible any longer... go figure... 

I now am seeing a new company that has given me 18 shares ...??? where are my other 236 shares ...??? and the cost/rate of my missing shares, due to me...??? 

I also asked what is the financial comparison to what I owned to what was given... again absolutely no answers...
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered a fraudulent account, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with the account number XXXX, the account was opened without my consent, delete it from my report. And the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My attorney recommended that I work toward re-building my credit after XXXX and a Bankruptcy filing. I opened a secured credit card with Wells Fargo with {$1000.00} and a debit account based on a checking account with Wells Fargo. While traveling to Oregon, one of the two cards was misplaced and I could not find a bank obtain a new card and so just closed the lost card and never used any Wells Fargo accounts after the loss. 
Subsequently, when I applied for a loan to purchase a house, I discovered that I had eight ( XXXX ) accounts open in my name and as a result did not qualify to purchase the house because of " bad credit ''. This was all before the scandal of Wells Fargo opening accounts for people without them knowing about the accounts in their name. The fraud on the part of Wells Fargo has cost me personally in excess of {$50000.00} in moving costs, rent payments etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I've filed a dispute with XXXX XXXXXXXX XXXX XXXX XXXX  . where I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/2017 serving a XXXX  year sentence in the XXXX XXXX XXXX XXXX. Where I am housed at the XXXX XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX XXXX and my XXXX XXXX XXXX XXXX  I looked on my credit report, I seen an account from Fortiva credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX XXXX XXXX with my Social security card. Which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been XXXX for the past five years when this account was opened in my name I was in the XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 5 years where no credit card was ever Sent to me at my apddress at a XXXX XXXX. this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Product: Student loan

I am trying to defer my payments again, because I am having severe financial difficulties. My home got damaged in the storm and the check that I received from my wind & storm company will not cover the entire amount that the roofing companies is asking. I am just asking for defer payments until next year or a much lower monthly payment for both loans.I am willing to pay back, but they are keep billing me for high late fees and increasing the loan every time I ask for assistance. This has been going on for the last XXXX or more years.The loan date is XXXX/XXXX/XXXX. My loan amount is now {$42000.00}, which has almost doubled from when I first received the loan. I have had deferred payments and Foreberance because they refuse to lower my monthly payments where as I can afford to pay monthly. Thanks,
Product: Debt collection

There was not appropriate info for me to pick the right reason for the complaint. I have another complaint against this company for the exact same issue. 
This is a debt that was CHARGED OFF XX/XX/2020 and this company XXXX XXXX XXXX is now reported it as a XXXX XXXX XXXX XXXXT How does it go from a charge off to a collection account. This is re-aging an account which to my knowledge is illegal. These companies are crooked and constantly selling loans and ruining peoples credit. I know I owe the money and I am willing to settle BUT i am not going to unless they report back to a charge off with the correct charged off date and then I settle the charge off My score has dropped significantly because they reported this as a NEW account. 
How does it go from a right off - charge off to a collection? Its a collection first then a charge off we dont go backwards
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Huntington National created an unauthorized credit entry on my credit reports. After noticing the inquiries, I sent them a certified letter on XXXX XX/XX/XXXX requesting they remove the unauthorized inquiries. The company did not provide me with a document bearing my signature stating I gave them authorization to run my credit. They requested more information from me via letter on XXXX XX/XX/XXXX. I returned a certified letter with the information they requested on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.
Product: Mortgage

When I first called Bayview Loan Servicing, they asked me if they could send me text messages. I said " no '' on the phone.

They start sending me text messages anyway. They lie in the text message saying that I signed up for text alerts -- I did not.

When Bayview asks you to " re-confirm '' opting-in, they ask you to say yes. The word " no '' is not even an option! See the attachment as proof.
Product: Debt collection

Check my 3 credit reports Today. Seen something on my reports that do not belong to me. There was a collection account on my reports from AD ASTRA RECOVERY SERVICES. Never got any information from the agency about any type of debt that I owed.
Product: Mortgage

Follow up to CFPB Complaint XXXX US Bank made a response however they still can not provide wet ink documents showing that when the loan began that I would be charged {$5.00} per payment made after the 3rd day of the month using the USBANK website to make payments. 

This is a violation of Regulatory Violation of the Responsible Servicing Regulation. US Bank failed to provide me with all charges that are associated with making payments via the online US BANK website when the loan was orginated. Nothing in my documents that I recieved from US BANK at the loan orgianation indicated that I would be charged {$5.00} per month for payments made after the 3rd of the month. 

US Bank states that the fee is only happens if I make the payment after the 3rd of the month or if I don't use a US BANK branch or have a checking account w/US Bank to make the payment. However regardless to what is now verbally stated at no time did US BANK disclose this fee at the loan origanation. 

Futhermore, when I contacted US BANK for a status update on XX/XX/19 I was advised fist by Phone agent XXXX that the bank refunded were for Internet Fee 's for 4 months, however the letter from US BANK dated XX/XX/19 states the refund or reimbursement amount is for Stop Payment and/or OVerdraft Fee 's which I incurred. This of course is false and was never an issue. XXXX transfered me to XXXX XXXX who stated the same as XXXX, I was then transfered to a Supervisor who spoke to me and was adamit the remibursement was for the above stated reason. Finally the supervisor transfered me to XXXX in Customer Advocey ( XXXX ). 

XXXX stated the reimbursement dated XX/XX/19 was for in fact the reason listed above and NOT internet charge fee 's for month 's as XXXX stated in her response letter. She said that on XX/XX/19 no further information was ready from Customer Advocey and that I would respond later.

Clearly this shows that US BANK is well organized hence these erroneous charges of {$5.00} to make an online payment need to be refunded. As stated in my orginal complaint I am seeking 100 % reimbursement of these fee 's since the inception of my first online payment to US BANK. As well interest and the cost of my lost time dealing with this issue.
Product: Debt collection

Capital One filed for a judgment against me in the XXXX VA General District Civil Court which is over XXXX miles away from where I live in XXXX ( XXXX County ) VA. Additionally, the debt was paid through my Chapter XXXX bankruptcy filing in XXXX 2014, and Capital One still has not sent a Notice of Satisfaction to the XXXX Court . This should have been sent within 14 days of notice of payment in full ( XXXX XXXX, 2014 ) as required by the Virginia Code of Civil Procedure, Section 116.850. This continues to appear as an unresolved debt on the Virginia Online Court Information System website and on my credit report, and is preventing me from obtaining a VA-backed home mortgage.
Product: Checking or savings account

Lost of debit card went to a fraud transaction from {$2400.00} from my checking account, several calls and visits to different branches where done over the last few weeks, no result or any help at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  / XXXX is a fraud account. this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent inquiries and fraud accounts. Please block the account listed below : XXXX XXXX  : XXXX  This is the account I request to be removed permanently from my credit report. Please block these accounts. This account is unverifiable and violates my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter certified to Transunion, XXXX, and XXXX disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. I clearly have a message on my credit report that states new accounts can not be opened without a phone call to me to verify that I submitted the application. It has been over 30 days and Transunion, XXXX, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Product: Bank account or service

I called Chase bank on XXXX ( XXXX XXXX XXXX, XXXX ) on XXXX/XXXX/2015 and talked to the Branch Manager XXXX regarding converting checking/saving account into a trust account without closing the existing account because I have my direct deposits, auto pay all taken from this acct. He told me there should be no problems and come to the branch and the banker could assistance me with this. On XXXX/XXXX/2015, I went with my trust documents to setup the acct and was told by a rep that I had to close existing acct and had to reopen with new acct. I asked to talk to the manager who was not present there. I waited for 20 minutes and called Chase Customer Service regarding the policy and was told that I should be able to convert without closing the acct. The Customer Service rep requested to talk to the branch but the branch rep refused to talk to the Chase CS. Later the manager called the branch and requested to talk to me as I was on the phone with Customer Service. My husband explained to him about the situation and the manager denied my conversation regarding what he had told me on XXXX/XXXX/2015 and said if we are not satisfied with the service than go ahead and close the acct and take it to a different bank. I also have an account with XXXX XXXX XXXX and they were able to convert my checking/saving acct and put into a Trust acct without closing the existing acct. If both the banks are regulated by OCC and FDIC then why different policy. Please advise.
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/202XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020