23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo became my third mortgage server. My loan was initiated by XXXX XXXX. My XXXX XXXX. and property taxes were in escrow. When Wells Fargo became the server they failed to pay my XXXX XXXX I lost my grandfather coverage amount. After being notified by my insurance company that they canceled my policy for nonpayment. I had to open a new account at the expense of twice the rate. I then paid my property taxes. And sent Wells Fargo payments for principal and interest in full, On time regularly. They cashed each payment and sent me a Wells Fargo check back to me in the same amount. With a statement that said my payment was insufficient funds. I never cashed any of the multiple checks they sent. They told XXXX XXXX they were starting foreclosure and ruined my credit. They sent a XXXX XXXX to take pictures of my home to evaluate the value and condition. The entire experience was very difficult and lengthy. I received numerous ridiculous letters and phone calls. Some being very absurd. They sent a third party payment processor money left in my escrow to pay my property taxes. That were already paid where is that money now? I had no other option but to pay off my mortgage in full. After I sent them the entire amount. I received a letter telling me that I still owed them a little more than {$1800.00}. Then the recorded to my County deed office that my lein was released free and clear. My credit report still remains damaged and I recently tried to purchase a second vacation home. And was abruptly refused due to my credit report. 
I pray that Wells Fargo compensates me to the fullest extent.
Product: Vehicle loan or lease

XXXX is advertising Boat & RV Loans through a XXXX paid search campaign ( that says Ad ). When you click on it, nothing discloses that its actually an unsecured personal loan application. In fact, youre given every reason to believe youre applying for a secured boat & rv loan until you consent to a soft pull, at which point you see a list of pre approved personal loan options at outrageous rates. This is deceptive and it pushes consumers into a higher, unsecured, rate thats 2-3x the average secured RV rate. I never would have consented to a credit pull for a personal loan. If thats what theyre selling, then it should be advertised as a Boat & RV loan.
Product: Debt collection

the company requested me to pay a debt that I don't owe them
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX  on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being XXXX. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open Experian - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed XXXX - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is XXXX with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX XXXX  XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX XXXX XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly  and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.
Product: Debt collection

On XX/XX/2022, I sent Penn Credit Corperation a certified letter requesting debt validation on an alleged debt they added to my credit reports without informing me first to allow me the opportunity to dispute the validity of the alleged debt.They ignored my request and continue to report this alleged debt to the credit reporting agencies. I am demanding that they delete this account from my credit report.
Product: Mortgage

Bayview now Community Loan Service see attached letter to XXXX, I am requesting you to contact XXXX to research investigate perform an audit based on the reimburement check from XXXX do to there erroneous charge to homeowners escrow account
Product: Debt collection

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

MERCEDES BENZ FINANCIAL XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.
Product: Debt collection

This letter is in response a letter dated XX/XX/2018 from Radius Global Solutions LLC claiming I owe them {$11000.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Radius Global Solutions LLC this amount.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Upon reviewing the report recently, I discovered discrepancies that require immediate attention and correction. These inaccuracies with your company not only tarnish my creditworthiness but also affect my financial opportunities and standing. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Bridgecrest Account XXXX : XXXX
Product: Vehicle loan or lease

I have been making all payments to my loan. In fact I have been paying in excess of my monthly payment. The problem is that they are not applying the excess to my principal but rather they are using it as a pre-payment for the next month. 

I am tying to reduce the principal and payoff early. But they keep this from happening by using my excess payment to " pre-pay '' future payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a certified letter to Equifax asking them to remove all names, addresses, and phone numbers in efforts to prevent identity theft and to avoid financial harm. In this letter I also told them that I referenced a cyber security site and the inaccurate name and an old address was in there multiple times. The cyber security firm is XXXX, web site XXXX XXXX I sent equifax my current name, dob, and birthdate. I also sent Equifax a copy of my driver 's license, XXXXXXXX XXXX and social security card. I recently received a letter dated XX/XX/year>, and they are asking me for the information that I had already provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered my name was spelled incorrectly on my Equifax credit file. Also, there was an address on the file that I have never resided at. I contacted Equifax to report the problem after trying to log on using the Myequifax feature to complete the dispute, but was not able due to the name not matching my SS #. Once I contacted Equifax they told me that I was incorrect and that my name was correct on their file. After several calls and very unprofessional customer care representative, I was asked to fax documentation with my name and address. I tried to fax the information over 30 days ago to receive a continuous busy signal and failure to fax. I then contacted them and received a mailing address to send the documentation. It was sent, but still has not been processed. Upon my follow up I was asked to fax again. I tried that again today to only receive the same failure to fax message. After contacting them to make them aware I was once again questioned repeatedly about the spelling of my name and why I was not completing the process online. I spoke with three different customer care representatives, just today, XX/XX/2020 and was not able to resolve the matter other than being told to keep trying to fax or wait and see if the mailed documents are processed. This is unacceptable. Many links on their site do not work. I receive a message stating " requested URL rejected- support ID XXXX. I also asked for a telephone number, email or address to make a formal complaint and was told by a customer care representative that there is no external way to complain about service other than through the customer representative that I was speaking with. Part of my complaint is about the person I was speaking to. Finally, I am continuously being asked to upgrade my account even though I have a monthly plan and when I shared that I am not receiving the services paid for, I was told I was just have to wait until things are cleared up, yet I would still be charged for services. This is RIDICULOUS. I appreciate an assistance that can be given.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inconsistent Date of Last Activity Reporting by Credit Bureaus Dear Consumer Financial Protection Bureau, I am filing this complaint regarding discrepancies in how the Date of Last Activity ( DLA ) is reported by the major credit bureaus on my credit report. Specifically, the DLA for all of my accounts reflects conflicting information across different bureaus, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : 1. Inconsistent DLA Reporting : XXXX reports a DLA of XX/XX/XXXX, XXXX  XXXX XXXX, acct # XXXX XXXX shows XX/XX/XXXX, XXXX XXXX XXXX XXXX acct # XXXX and TransUnion shows XX/XX/XXXX XXXX 
2. Impact on My Credit Profile : These inconsistencies have negatively impacted my credit report by creating confusion regarding the accurate status and age of the account. It may also unfairly prolong the time this account remains on my credit report, in violation of FCRA provisions on accuracy and fairness in credit reporting. 3. Attempts to Resolve : * I have contacted the credit bureaus numerous of times regarding this issue. Despite my efforts, the discrepancies rema
in unresolved.

Requested Resolution : I respectfully request the CFPB to : 1. Require the credit bureaus to improve their processes to prevent similar discrepancies in the future.

2. I demand this account to be removed due to inaccuracies on my credit report under Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I didn't authorize, I put a fraud alert in my account months ago, the only valid ones are XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I was in a car accident XX/XX/. My car was totalled and Santander bank continues to report my loan being defaulted. How could I pay on something that didn't exist after XX/XX/?
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was unfair and misleading, as they did not adhere to the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in considerable inconvenience and financial harm, and I am seeking appropriate remedies for these violations.
Product: Debt collection

XXXXXXXX XXXX XXXX alleged debt, was disputed under ID theft, in 2017, at all three bureaus : XXXX, XXXX, and XXXX XXXX. I wrote them a certified letter requesting the validation of the debt, in accordance with FDCPA guidelines. They did not respond but continued to report the debt. They sent me a letter threatening legal action, and asking me not to respond if the debt was not mine ; XXXX did none of the remedies provided by law under ID theft. 
They placed my numbers in call scammer and dialers. They ran my credit 5 times in the last year, without a debt, but rather with an alleged debt XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I noticed there were fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting

I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its just a record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I discovered that I had multiple inaccuracies reported on my credit report by XXXX XXXX XXXX XXXX. This information is incorrect because the date of last payment, past due amount, payment amount, date opened, and high balance were incongruently reported on my credit reports. 

On XX/XX/2024, I sent formal dispute letters to XXXX, XXXX, and TransUnion, including reasons to support my claim. The credit reporting agencies have yet to correct the information, which continues to negatively impact my credit score.

I have also sent formal dispute letters on XX/XX/2024, XX/XX/2024, and XX/XX/2024 to investigate and correct these inaccuracies. Over the course of XXXX months, I have yet to receive a response, and this is greatly hurting my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : this section describes the procedure for disputing inaccurate information. It requires credit reporting agencies to investigate disputes and correct or delete inaccurate information within a certain time frame. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I am writing to express my dissatisfaction with a consumer credit transaction I pursued with Carvana for a XXXX  XXXX XXXX. After careful review, I have identified several discrepancies in the consumer credit transaction for the automobile I was wanting to acquire that contravene the provisions outlined in the Truth In Lending, and Equal Credit Opportunity Act. I am formally notifying your company of these issues and seeking resolution.

Upon applying for the consumer credit transaction, which involved credit being offered or extended, I encountered what I believe to be misrepresentation on
Carvana 's part. The transaction was portrayed as either a loan, necessitating a substantial down payment. However, this contradicts my initial pre-approval process, during which Carvana accessed my credit card information in accordance with 15 USC 1602 ( i ). Despite being approved, the demand for a large down payment to secure the vehicle raises concerns which is in violation of 15 US Code 1662.

As per 15 USC 1602 ( J ), this transaction qualifies as an open-ended consumer credit transaction since Carvana accessed my credit card. Consequently, the imposition of a down payment violates the Truth in Lending Act, specifically 15 US Code 1662 ( Advertising of down payments and installments ), 15 USC 1605 ( Determination of finance charge ) and which stipulate that all charges must be included in the finance charge. Carvana 's requirement of a down payment, particularly of the magnitude requested, appears discriminatory and runs afoul of the Equal Credit Opportunity Act. This discriminatory practice is evident given the disparity in down payment demands among consumers with similar terms, and the requirement of a downpayment of such magnitude is not advertised and the same across the board for everyone utilizing Carvana 's lending services to obtain a vehicle. When I contacted Carvana through the website chat, I tried to ask the representative if they participated in Truth in Lending, and to inquire about the downpayment. The woman stated that she did not know what Truth in Lending was and would not discuss the down payment, and terminated the chat. I intend on remitting payment to Carvana utilizing US Funds in conjunction with the Consumer Credit Transaction.

Furthermore, Carvana 's actions infringe upon my federally protected rights, rendering them liable under 15 U.S. Code 1611 and subject to civil liability as outlined in 15 U.S. Code 1640. I urge Carvana to rectify these issues promptly to avoid further legal repercussions.

In conclusion, I demand that Carvana address the aforementioned violations and take appropriate corrective measures. I expect a prompt response outlining your proposed course of action to resolve this matter satisfactorily. Failure to do so may result in further escalation of this complaint through appropriate channels.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XXXX {$12000.00}, XXXX XXXX Opened XX/XX/XXXX, XXXX {$4300.00}, XXXX Opened XXXX, XXXX XXXX {$1600.00}, XXXX XXXX Opened XXXX, XXXX {$14000.00},, XXXX Opened XXXX, XXXX XXXX, XXXX Opened XXXX, XXXX. XXXX {$14000.00}, XXXX Opened XXXX XXXX XXXX {$6100.00}, XXXX XXXX Opened XXXX XXXX {$12000.00}, XXXX Opened XXXX {$1200.00}, XXXX XXXX Opened XX/XX/XXXX {$770.00}. I have written dispute letters and have not received any responses. Many errors on my report
Product: Debt collection

Klima, Peter 's & Daly, P.A. is a law firm that purchases debts from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. and other creditors/debt buyers. They fraudulently get default judgments on their victims by withholding information like the summons to properly notify the consumer of lawsuits and they produce false affidavits to win their cases. They refuse to follow FDCPA guidelines to collect debts and they do not validate debts when requested. They also increase balance amounts to get more money out of consumers. Pull up their firm on XXXX reviews, CFPB, XXXX, and other sites and they have tons of consumer complaints that support these claims to be true.
Product: Credit card or prepaid card

I believe that I have been treated by Chase unfairly for years. They have closed my credit accounts & bank accounts a couple times during the past few years without giving me any specific reason at all. Every time when I called them to ask for a reason, and even try to explain in case of any misunderstanding, they never gave me a fair explanation but kept telling me that they had the right to do so. 

In XX/XX/XXXX, I successfully opened a new credit card account ( XXXX XXXX Credit Card issued by Chase ) after my previous bank accounts and credit cards were closed on XXXX. Three months later, however, I got a mail from Chase saying that " after careful consideration, we decided to close your credit card account on XX/XX/XXXX, because Chase closed a previous credit card, deposit, or investment account. '' Although they did close my previous accounts, I never get to know the reason why I was blacklisted, and this upcoming account closure reminds me of being treated so unfairly starting XXXX. 

The first time Chase closed my bank accounts without providing any reason was in XXXX when I was still a XXXX XXXX at the University of  XXXX XXXX XXXX. The only reason I could think of is that I made a large amount of cash withdrawal ( about XXXX ) to buy a used car from a private party ( I was not familiar with bank services and cashier check at that time ). If that was really the reason, I strongly believe that I deserved a chance to explain. If not, why would Chase do that to a foreign student who just came to the United States?? 

After that, I did reopened bank accounts and credit card accounts in XXXX after I got a social security number and built some good credit history. However, they still closed the new accounts over a year later. Again, they did not provide any reason. It was my guess that it took a while for them to find out that they closed my previous accounts, which was not associated with my social security number. 

The information above clearly narrates my banking relationship history with Chase from XXXX to XXXX. I am so frustrated with the fact the Chase kept closing my accounts without any justifications, resulting in considerable unfairness and inconvenience for me. I am just an ordinary person who came to the United States as a foreign student, studied and worked so hard, graduated in XXXX with good standing and since then have had a stable job as a professional engineer. I could not think of one single reason for Chase to treat me like this. Chase never gives me a fair explanation for repeatedly closing my accounts. Chase never gives me an opportunity to explain in case of misunderstanding. Chase does not expunge my gratuitous blacklist status ( which is definitely a mistake! ) even after 7 years.
Product: Credit reporting or other personal consumer reports

Equifax has a XXXXXXXX XXXX account listed on my credit report that does not belong to me. I have disputed this multiple times with the correct information, but Equifax has violated the regulations regarding the allowable timeline to resolve this matter. This is a case of fraud or identity theft, and it has not been handled with the care and resolution that I expect from Equifax. The XXXXXXXX XXXX account and balance do not belong to me and need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$7200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} DPT EDXXXX XXXX Balance Owed : {$4800.00} XXXX XXXXXXXX Balance Owed : {$9000.00} XXXX XXXXXXXX Balance Owed : {$8300.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$29000.00} US DEPT ED XXXX Balance Owed : {$22000.00} US DEPT ED XXXX Balance Owed : {$28000.00}