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

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX  Account # XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX  Account number # XXXX, Account name XXXX  XXXX Account number # XXXX, Account name XXXX  XXXX  Account number # XXXX, Account name XXXX  Account number # XXXX, Account name XXXX XXXX Account number # XXXX, Account name XXXX Account number # XXXX, Account name XXXX  Account number XXXX, Account name XXXX XXXX  Account number XXXX, Account name XXXX  Account number 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 reporting, credit repair services, or other personal consumer reports

Received today, a report from Equifax credit bureau updating XXXX.This is not a new complaint, but XXXX name changed from XXXX XXXX to XXXX approximately 15 years ago. I was a co-signer in 2002 for my son for School. His loans was in deferrment, and he has been paying them, and why do I have to pay when he is. XXXX  re-submitted on my credit report and his credit report. This was 17 years ago. Becoming I'll, filed bankruptcy 5 years ago, the trustee was sending payments to XXXX which they were getting paid twice a month..I 'm on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still waiting on Transunion to fix another problem with a 25 year old issue thats showing up on my report thats not mine and today theres something on my report that has no information of where it came from, when it was opened, who opened it, and I have NEVER taken out a payday loan in my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX XXXX/XXXX  XXXX  credit card services this account was supposed to be deleted off all 3 credit bureaus
Product: Mortgage

With out my Permission Ditech Financial issued Unauthorized Documents to my Bank & Funds from my Account was submitted to Ditech with out my Consent
Product: Debt collection

Received Several different calls from this number for Different names of People this is a place of business and I let them know that if that person is an employee with us they must call them on there personal phone because no one is in the office by that name the caller then asked what was the persons cell numb er I told t he caller if they are requesting verification of employment I can provide a Fax number because we do not do verbal employment verification request must be submitted through Fax the person I spoke to started calling me names   XXXX  ,,  XXXX ,  XXXX   XXXX , the  XXXX  slur  XXXX . I put him speaker so that I could record it on camera how he was speaking I asked to speak with his supv. he stated he was his supv. and he owned his business he then ask to speak with a supv. on my end when i went to transfer he hung up on her this was not at all professional it was rude disgraceful and hurtful how could these people sleep at night and treat people this way it is harassing and taunting if someone tells you that person does not work in this office that should have been the end unless they were requesting employment verification we have over  XXXX  employees and only  XXXX  in the office that person does not hold a job in our office which is the truth I thought that was very rude for this person to be mean and degrading towards me or anyone else
Product: Checking or savings account

Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Bank Name : XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Bank Name : XXXX XXXX XXXX XXXXXXXX  XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Post No Debits Previous Account Status : Savings Present Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Overdrawn Bank Name : XXXX XXXX  XXXX XXXX XXXX XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed Previous Account Status : Savings Pending Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Bank Name : XXXX XXXX XXXX XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Bank Name : XXXX XXXX XXXX XXXX Bank Routing XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX
Product: Vehicle loan or lease

I cosigned on a vehicle loan for my boyfriend to purchase a XXXX XXXX in XX/XX/XXXX, financed by the American Honda Finance Corporation ( AHFC ). At that time, I was XXXX years old, a XXXX XXXX  and was working part-time as a XXXX XXXX XXXX XXXX. Prior to that work, I worked as a XXXX  at an XXXX XXXX where patrons could have pizza parties. 
My boyfriend at the time worked as a XXXX XXXX at the Honda dealership where the vehicle was purchased. At the time, I was surprised to be able to co-sign for him since I could not even qualify to sign for my own car, because of my brief employment history, lack of credit and savings. In fact, my own car was in my Fathers name because I did not have any credit. The finance person at the Honda dealership assured me that since I was graduating in XX/XX/XXXX, that I was seen as an acceptable person to co-sign for him because I would be getting a full-time job in the near future. 
After breaking up with my boyfriend/childs father, He experienced several employment challenges including working as a XXXX. His payment of the car was sporadic and I received calls from the AHFC on numerous occasions. They informed me that I would be held responsible for the vehicle if he did not make the payments, since I was a co-signer on the loan. I informed them on numerous occasions that I was not going to make payments on the vehicle unless I was given the vehicle. 
When I applied for a loan to purchase a home, the mortgage loan office informed me that the vehicle had gone into collection. When I contacted AHFC, they informed me that they had repossessed the vehicle and sold it for {$7800.00}, almost half of what the vehicle is worth per XXXX XXXX XXXX estimates for Private Party Value leaving a balance {$16000.00} that I would have to pay if my ex-boyfriend does not pay it. 
I have attached a copy of sheet entitled, XXXX XXXX indicating that the actual amount of the charge off is {$25000.00}. Although the balance is reported as {$17000.00} over an above the {$23000.00} identified as the balance. The High credit on the loan was {$29000.00} when the vehicle was purchased in XX/XX/XXXX 
I believe that I was used by my boyfriend, the Honda Dealership and the AHFC. I believe that every trick in the book was used to finance my ex-boyfriends car because he was an employee of the Honda Dealership. AHFC never informed me that they were in possession of the vehicle. They just sold it and plan to bill me for the balance owed plus other charges. 

I am willing to pay for my mistake, but I should have been provided an opportunity to have the vehicle if I am being made to pay for it. AHFC never provided me that opportunity. 

I am going to hire an attorney and file reports with the State of Tennessee and the local District Attorneys office.
Product: Checking or savings account

On XX/XX/2019 I contacted my bank Wells Fargo and informed them that my phone was stolen from my car and that I have purchased a new phone and changed my username and password to protect my account and that I received an email stating that someone was trying to access the card free atm but was unsuccessful. I informed them that other than that I had no suspicious activity and no unauthorized transactions and was advised to change username and password to prevent any future attempts and Also to call them back if I notice anything unauthorized. Two days later on XX/XX/XXXX Wells Fargo disabled my online account. When I called in to get my account enabled they informed me that my account was under review and that they had no further information. 4 days later they made a business decision to end my relationship with the bank. With out any reason. I did as I was supposed and informed all my financial institutions of my stolen device. And that although my device was stolen I had no unauthorized activity on any of my accounts. But Wells Fargo decided to punish me for my phone getting stolen and then closing my account saying I could never be a customer ever again
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I got a title loan from XXXX aka ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX  {$1200.00} ( including {$33.00} Lien Filing Fee ). On XX/XX/XXXX I paid back the {$1200.00} principal plus {$90.00} on the XXXX  app which I believed was more than enough to cover the interest on a 6 day loan for less than {$1300.00}. After my payment is said I still owed {$220.00} due by XX/XX/XXXX. That would be a total of {$310.00} interest on a loan for less than {$1300.00}. That is more than 24 % interest for a 6 day loan on {$1200.00}. Is this legal? If not, how do I get what is fair paid back to me?
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it. 

XXXX/XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX/XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently lost my social security card and idea in my wallet I been noticing a lot of inquiries on my credit that I wasnt aware of
Product: Credit card

Discovery card, reported on their system history of late payment to XXXX. When I called and questions due to always paying on time, and sometime making several payments in the same month. They stated that based on their system, every payment gets added to the same month not to forward amounts. Which we understand, but do not understand why they they will say we are late .... They say this is something in their system, but not in the credit bearues. My concern is, through their systems, is creating false information of our credit or payment history with them. Because we are paying on time and have done so. So I do not find it fair or correct, if I have never paid late ... Why it should reflect in their system as such ... 
which this action caused my credit to decrease during a home purchase ... Which disqualified me from being able to purchase the property ... ..
Product: Money transfer, virtual currency, or money service

There are 49 transactions that were unauthorized in the amount of {$14000.00}. My XXXX was stolen in late XXXX and unauthorized access was used to get into my Crypto.com account. They purchased {$14000.00} in the span of two weeks and transferred it to an external wallet. 

I have been in contact with XXXX  XXXX XXXX for the last two months trying to get this dispute solved but am having issues because of my previous history with this merchant. 

I have reached out through both email and by phone to Crypto.com with no luck. 

I filed a police report for the stolen XXXX and have attached it below.
Product: Vehicle loan or lease

Reference XXXX VW Credit Company did not provide proof of sale, or proof of auction. Company also gave false information that they did not know where the vehicle was for 2 months. VW Credit knew I turned the vehicle in to the XXXX dealership where I purchased it because we both made arrangements for me to turn the vehicle in if I could not make payment by XX/XX/XXXX. The vehicle and keys was turned in to the ( XXXX ) the Finance manager same person did the paperwork at the time of purchase. XXXX called VW Credit office while I was there to let them know I was voluntarily surrendering the vehicle. They sent a truck to my house to pick up the vehicle when knowingly the vehicle was at the VW dealership in XXXX since XX/XX/XXXX. I request this charge be reversed back to VW Credit. Also they sent the information to a collection agency without proof of sale rather to an auction or a customer. I have no documentation of amount of the sale of the vehicle to confirm the reported debt amount. Thank you for your consideration of this disturbing matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To whom it may concern, I am writing you to request that you update my credit file to accurately report my payment history. I have excellent payment history and I have NEVER been late on a payment any other time then this situation. I paid Honda on time, but my payment was sent back due to insufficient funds. I just purchased a house and expenses that I was not aware of cleared my account, causing this payment to be denied. Honda did NOT contact me to notify me, and I noticed when I logged in to the portal to check my balance history. I tried to make a payment and received an error message telling me that a one-time payment could not be made at that time. I looked at my next scheduled payment ( my payments are set up to be automatic ) and it was including the other payment, so I just left it as it was since it would not be past the 30 days past due. 
I then received a call from someone at Honda trying to collect on the balance and I told them that I tried to make the payment but was told I could not make a one-time payment and that the balance showed that it was going to be deducted automatically in just a few days with my current payment. I asked if this payment could just be made then since it was already set up, and he said it was. 
The date that my payment normally would be auto deducted came and went and I noticed that the payment never came out of my account, so I logged in and tried to make both payments and was give the same error message again that said a one-time payment could not be made. I tried again the next day and was given the same error message. I called several times with long wait times before I finally was able to speak with a live agent who told me that the reason that I was not able to make the payments online was because they had suspended my ability to pay online and suspended my ACH payments due to the payment being returned, but no one informed me of this. Again, I spoke to another person before this and not one time did, he say that the payment would not be made as it showed scheduled and that I would not be able to pay online even though I mentioned the error message when I tried to make the payment and asked him if my payments would be okay and on time if they were just taken on the day that they were scheduled. 
I made several attempts to make this payment on time and would have gladly paid it when the first person called me if I knew I had to make my payment with a rep. I tried making it just days before online. This is unfair to ruin my perfect payment history when the ability to pay was taken away from me and Honda never took the ACH when it was scheduled. I should have been contacted and informed that my payment ability and my ACH payments were suspended and if I had been this would have been taken care of timely and I would have called to make a payment. 
Please remove this from my credit report. 

Thank you, XXXX XXXX Your Report Number is : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  bank is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 

XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX )... I was sent an account statement which does not provide any validity of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past three months various phones from the XXXX company have been calling me at least once a day indicating that they want to provide information about trips that I have won and things of that nature. Every time a recording machine calls and even after using the option for them to take me off their list they are still calling. 
The numbers are the following : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injuries to my credit score. 

Account Name : XXXX Account XXXX : XXXX. 
In accordance with the fair credit reporting Act public law. Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I had realized that there was a tremendous amount of funds that were withdrawn from my account at bank of America. I had reached out to the bank and explained that it was fraud and I didn't authorize this transfer. I had disputed the transaction and the denied my request and they told me to file a police report and reported it to the Identity theft.gov and they sent out letters to the company explaining my situation with the identity theft that had occurred and to erase the traces of the fraud and to reimburse for the amount that was taken from my account but the company didn't respond to the letters.
Product: Mortgage

We filled out a Request for Mortgage Assistance with Select Portfolio Servicing ( SPS ) back in XXXX of 2023. We received numerous requests for clarification and additional information, all of which we complied with. Then there 'underwriting ' circled back and started rejecting our XXXX because they wanted more information - the same information requests that we had already complied with and uploaded as requested. They dragged this process out for months, repeatedly asking for information that they already had and our calls and conversations with their customer service team never resolved the situation. Then they said our XXXX information was out of date and required that we resubmit a new XXXX with updated information- which we did again. They they started all over rejecting our XXXX for the same reasons they used last time and we again uploaded clarification and documents that complied with their requests and should have resolved the issue. Every time they circled back and started rejecting and requesting the same clarification and documents that were already on their system. Dozens of calls with their customer service team never resolved anything. We even requested a complete transcript of all our calls and documentation uploads and they refused, telling us our attorney would have to send a letter to their attorney to receive this information. After reviewing complaints about SPS on the better business bureau site and filing my own complaint, and now reviewing the complaints about SPS here on this site and filing this complaint, it is clear that they have a policy to do everything possible to reject any XXXX requests. They never intend to grant anybody mortgage assistance, which should be fraud, potentially class action fraud.
Product: Consumer Loan

I purchased a vehicle from Texas  XXXX  of  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX  on  XXXX / XXXX /  XXXX   The vehicle was financed with  Fifth Third  Bank  XXXX   XXXX   XXXX   XXXX , OH  XXXX . They received my  Credit Union  certified on  XXXX / XXXX /  XXXX  . I still have not received my lien release.