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

In XX/XX/XXXX, I purchased a XXXX XXXX vehicle at XXXX XXXX XXXX XXXX in XXXX, Florida. I made a down payment of {$4000.00} in cash and financed {$14000.00} at 21.99 % interest though Lobel Financial. I was provided a phone number to make payments and never received a copy of the contract or any monthly statements for my loan. I made over {$15000.00} in payments and wanted to understand the payoff amount. When I called Lobel Financial, they told me that the contract was only in the name of my mother so they would not speak with me. Eventually, I got a copy of the contract, and it does not even have my name on it, and it has a fictitious address for my mother. My mother was never present in person, by phone, by video, or any other means. She did not place any signature on the contract, and nor did I, although someone did forge a signature for her that looks nothing like her real signature. I have records of the $ XXXX in payments and proof that I was the person who bought the car and drove it off the lot in XX/XX/XXXX. Lobel Financial can not deny that the contract was with me and only me. 

Given the situation, I decided not to make some payments, and Lobel Financial repossessed the car. I asked them for a payoff amount, and they told me it was {$10000.00} on XX/XX/XXXX. I contacted them by letter and asked them to put in writing that they would transfer title to me if I paid off the loan. They have not responded. When I call them, they will not take my calls or the calls of my agent. I need a written agreement from them to transfer title to me upon the completion of payments, and they can not charge me interest while they are holding the car XXXX and not providing me information that I am legally entitled to. 

This was my first time buying a car. I was a recent immigrant and didn't understand the language or the laws. Lobel Financial took advantage of the situation and charged me an exorbitant interest rate and now refuses to let me finish payments so that I will get the title in my name. I am a legal immigrant with protected status and have a good paying job for which I need a car for transportation.
Product: Credit reporting or other personal consumer reports

My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.
Product: Credit card

I received in the mail a letter from Chase bank notifying me that I'd been preapproved to get a credit card with them. I went ahead and sent my application and was denied. A week later I received a letter stating that the reason why I had been denied was because I already had an account. I spoke to a branch manager a a local Chase bank and he indeed corroborated that an account under a different name but with my social security number had been open a long time ago. The manager tried to help me as much as he could, called a private direct line and spoke to supervisors but unfortunately they weren't able to do anything to resolve the problem. I returned a few weeks later and the manager was able to request a closing of the account due to suspicious fraudulent activity. I've had to deal with this for quite some time now, and I've tried to open other accounts using my social, but have been denied because of pre existing accounts. A few examples are XXXX XXXX, XXXX, XXXX XXXX and just yesterday I found out this person also has an account with XXXX XXXX  XXXX. 
I've contacted the Social Security Office to see what can be done about this, but unfortunately they aren't able to help me since none of these accounts show up on my credit report. I contacted all XXXX credit bureaus and no suspicious activity is shown. Social Security office assured me that in their system, the only person showing up with that social security number is me. The banks tell me otherwise. I am not eligible to change my social security number since I am not considered victim of identity theft. 
I do not know what to do because i am unable to apply for credit cards or even open an account with any other bank because of this issue. 
I do not know who this person is, but I know it is a man and he lives in California and his name is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of certain inaccurate information on my credit report. I recently reviewed my report and discovered several entries that do not accurately reflect my account history. I refer to my rights under 15 U.S. Code 1681i, which mandates that if information is found to be inaccurate, incomplete, or unverifiable following a reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

To provide context, I originally held a credit card with a {$1000.00} limit from XXXX XXXX. I consistently made at least the minimum payment on time through an automatic payment system. However, after XXXX XXXX  was sold to XXXX XXXX  located in MissouriI received an email instructing me to accept new terms and notifying me that a replacement card would be issued. Despite their assurance that the card had been sent, I have not received it despite several follow-up calls. Consequently, I have been wrongly reported as having missed payments, which has adversely affected my credit.

In light of these circumstances, I respectfully request that you immediately remove the inaccurate items from my credit report. Please also ensure that the furnisher of this information is notified of the corrections, as required under 15 U.S. Code 1681i.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX FCRA XXXX Fair Credit Reporting Act laws says its either correct on all 3 bureaus or to be moved completely off the credit file. I have been dealing with this negative reporting from all 3 bureaus, XXXX  has followed guidelines and procedures in removing this negatively hurtle item from my report. I stand on faith and expect XXXX  and Equifax to honor that. If you feel that this information attached below on verifiable that account was removed from XXXX, shows date, creditor name, states it was removed. Please provide me copy of break down of charges, any interest, payments that were made, the amounts and the date payments were posted. All pages of signature contract or original pen ink and any other documents that has my name on them. Please fix this matter by removing this account from your credit bureau reporting system. I suggest that you get on this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The names listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps dragging out this identity theft problem that I have had. There information is incorrect they say they never have received files. Its been a circus over there. They have had the police report the affidavits and any other information in regards to the id theft that happened to myself over 4 years ago. There information is very inaccurate. Seeing how my social security number wasn't even mine. They argue with me on the phone calls and make it impossible to get the stuff corrected. They keep siding with the 2 vendors left on my CR XXXX  and XXXX  showing no evidence of why.

They have a affidavit and a police report and they refuse to update and change my cr.

My credit score is in the tank because of them and my next step is legal action. listed are the documents in which they have had since 2015. This needs to be fixed now.
Product: Mortgage

The inability to reach anyone at Wells Fargo or XXXX XXXX XXXX makes it impossible to resolve anything so i can work out a refinancing and avoid foreclosure/default. My husband passed away XX/XX/XXXX. We had home mortgage with Wells Fargo with remaining balance about {$49000.00}. 

i contacted Wels Fargo late XX/XX/XXXX notifying them of my husbands passing. I spoke with XXXX XXXX : Wels Fargo home loan specialist informing the bank of my interest in keeping the home and making arrangements to continue making payments on the promissory note for the mortgage on the house. Mr. XXXX stated, I will let the bank know of this and you will hear from our life advance team. 

In late XX/XX/XXXX I heard from the life advance team : XXXX XXXX by telephone. I expressed to Ms. XXXX I want to keep the house and continue making payments and what do I need to continue making payments. Her response was for me to wait for a letter from Ms. XXXX which will have further instructions how to proceed. 

I never received the letter from this individual. I contacted Ms. XXXX at ( XXXX ) XXXX ext. XXXX Case # : XXXX Loan # : XXXX multiple times and only received her voicemail. In XX/XX/XXXX, I spoke with Ms. XXXX assistant who restated I will receive the letter from Wells Fargo. I stated to the assistant, I never received the letter and when did Wells Fargo mail the letter and when will they resend the letter? The assistant stated, wait for the letter it will have instructions how to proceed. 

In XX/XX/XXXX, I dropped off the death certificate to Wells Fargo and inquired how am I to proceed making payments. The XXXX   branch told me to wait for a letter from Wells Fargo. I never received the letter and I informed the branch Wells Fargo keeps telling me this, but they never act in good faith. 

I never received the letter from Wells Fargo and never heard again from Ms. XXXX. On XX/XX/XXXX ive visited Wells Fargo and was informed Wells Fargo sold the loan in XX/XX/XXXX to specialized loan services. I never received any notice from Wells Fargo or from specialized loan services of this action. Wells Fargo gave me the number where to contact specialized loan services. I reached out to specialized loan services and they kept telling me to call three or four different numbers. I kept calling telephone number after telephone number with no results. I also sent a letter to an attorney in XX/XX/XXXX and never received a response from them. I have no idea who these are tourneys are representing other than they are located in XXXX Washington. 

I want to stay in my home. As a person with a XXXX, it is my only dwelling and I can not get Wells Fargo or this specialized loan services to communicate with me. As a consumer with a XXXX, these loan institutions are not acting in good faith and I am seeking your assistance to refinance to stay in the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided my address including zip code Checkr report altered my zip code to an inaccurate zip code Checkr report provided false information regarding the status of my Drivers license
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681c-2 section ( a ) ( 2 ) specifically states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of Remove the following accounts/information from my credit report : 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 not my addresses i have never lived there. 
With proof of my identity theft report submitted with this complaint, the following accounts & inquiries must be deleted from my credit report without further investigation no later than 4 business days after receiving this complaint or the credit reporting agency that received this complaint will be held liable to me in civil court as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 4 days, ( XXXX ) DELETE the accounts & inquiries in mentioned & ( XXXX ) send me the {$1000.00} check to my mailing address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital Accounts LLC reported to XXXX, XXXX and XXXX that I owed an amount of {$420.00} from a creditor named XXXX XXXX XXXX XXXX. On XX/XX/2019 I sent my dispute via certified USPS mail to Capital Accounts LLC,  XXXX, XXXX and XXXX. In my dispute letter, I requested validation of the debt from Capital Accounts LLC. The  debt validation that I requested was : Who was the original creditor on this account, and what was the account number? What was the original amount owed? I asked them to provide a complete payment history, starting with the original creditor. I requested documentation that indicates that I agreed to pay the reported amount of money. I requested the original date of delinquency for this account. I requested a written agreement that grants Capital Accounts LLC the authority to collect on this alleged debt, or proof of acquisition by assignment. I requested how much Capital Accounts LLC payed for this account, and how did they calculate the current amount owed. Capital Accounts LLC has never responded to my dispute by mail, email or telephone. Capital Accounts LLC has been non-compliant with with the Fair Debt Collections Practices Act by not responding  to my dispute neither have they validated to me the debt that their company reported to the XXXX, XXXX, XXXX. Capital Accounts LLC reported to Transunion in response to my dispute that the reported debt was paid off and the balance was currently {$0.00}. This is proof that this debt is invalid, fraudulent or was payed off to the original creditor prior to this collections being reported to the three named credit bureaus. I've attached documents of my dispute that I sent to Capital Accounts LLC via certified mail and the documents from XXXX with their findings in response to my dispute. I am requesting that Capital Accounts LLC remove  this debt that their company has reported from my credit report from all credit bureau agencies permanently as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX Balance Owed : {$7900.00}.
Product: Credit reporting

XXXX has a judgement that the date is not accurate. it says XXXX when the date is actually XXXX. I recently went to the court house to recieve this documention. I never did get served this judgement so I was never able to see the paper work for this judgement. In this loan i had cosigned with my ex for a XXXX and a XXXX. in the paperwork they have the original paperwork stating these XXXX vehicles which they combined into XXXX loan for us. Both of these vehicles were both repossesed. In the judgement it states that it sold the XXXX for {$8000.00} and put that amount towards the balance that I owed. But it doesnt state the XXXX nor how much they sold it for. And if they did sell it that balance never went to the balance that I owe. So the amount is not accurate. I re read it several times and the XXXX was never sold. so they took the XXXX and did whatever they wanted and got away with it.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This 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 reported to be removed/updated. 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. 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i reviewed my XXXX credit report and noticed that a charge off from west lake financial is still on my credit report. around late/mid XXXX i contacted west lake financial and spoke to a representative and made an inquiry about the inaccurate information being listed on my credit report. once i gave the rep the account number / verified my identity he told me that he couldnt give me any information on my account because my account was sold to a company ( which is now off of my credit report ) XXXX XXXX XXXX XXXX. no one was able to assist me with my issue. around mid XXXX i received two letters in the mail from west lake financial services one dated XX/XX/XXXX and the other XX/XX/XXXX XXXX both of the letters indicated that they were properly reporting to XXXX   and that removing the account from my credit report would be falsifying information per the FCRA. also in the letters west lake financial mentioned a key factor in why i am disputing this account DOFD ( date of first delinquency ). according to west lake they are able to continue to report to XXXX because the date of first delinquency is XX/XX/XXXX. this is very contradicting on their behalf because when i originally called and spoke to the representative over the phone i was reassured that my account was sold, and that no one at west lake could give me any information, secondly the company that my account was sold to sent me a letter in XXXX when i originally disputed the debt stating that my DOFD ( date of first delinquency ) was XX/XX/XXXX. if this is true then XXXX needs to cease reporting to XXXX on an account that has officially reached the seven year statue of limitation. also west lake did not indicate only that this account is currently under dispute.
Product: Payday loan, title loan, or personal loan

I took this loan out trying to establish credit and was told as long as I make the payments every pay period, I would not be charged interest. However, after paying the original balance twice over, the amount of the loan was still higher than the principle balance. I spoke on the phone with the representative prior to accepting the loan and was told I would only be charged the interest if I missed a payment. I have made every payment and my loan is still higher than the original balance. This is in my opinion a predatory loan and possibly the the downfall of what we consider good practice ethics.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 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 

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.