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

I brought a used car finance by Wells Fargo Auto in XXXX XXXX. I also brought a XXXX  XXXX XXXX but later cancel the coverage because my car insurance was okay. I called and wrote XXXX lettera to get my mon ey back. XXXXXXXX XXXX XXXX told me they sewnd the money to Wells Fargo Auto. They said I must get the money from Wells Fargo Auto. Wells Fargo told me they will not give it back it is included in my monthly payment. I told then I cancelled the plan and I was told to do that and followed the instructions so I could get my money back... I told Well Fargo Auto that was not part of the car payment it was an additional protection plan that was voluntarily and I want my money back. They told me no. They owe me {$1500.00}. I paid {$1800.00} for the plan. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting XXXX XXXX due to inaccuracies on my credit report. I disputed the account on XX/XX/XXXX and did not receive a response back by XX/XX/XXXX. I waited an additional month and sent a letter off on XX/XX/XXXX. It is now XX/XX/XXXX and I still havent heard anything back from XXXX XXXX regarding the dispute letter that was sent to them on XX/XX/XXXX. XXXX XXXX has been in direct violation with the FCRA for over 4 months now. This is unacceptable, as a consumer I deserve to know what is going on with my credit report and at least a response back from the company to let me know what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this request because Transunion as ignored my request to provide me with the documents that their company as on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

According to XXXX XXXX XXXX XXXX. This is my statment that all of the listed accounts have been reported with out my expressed written concent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. fraudulent unauthorized account : XXXX XXXX XXXX Acct : XXXX, XXXX  XXXX Acct : XXXX XXXX, XXXX XXXX Acct : XXXX
Product: Mortgage

On XX/XX/XXXX, I was in the process of closing a reverse refinance loan with XXXX when they were notified by HUD that the current company holding my mortgage, Good Life Home Loans, had never insured the loan and that we could therefore not proceed until this loan got insured. Consequently, my file and application was going to be cancelled and closed and I was going to have to go through the grueling process of reapplying all over again. This is so unacceptable that they are causing this major setback, inconvenience, and trouble to put me through this. 

It is beyond my comprehension as to how and why this happened. There is no excuse for someone not doing their job and filing proper documents to get this loan insured or ever making sure it was insured. If I had not applied for a refinance both myself and Good Life would have never known my loan was never insured. This loan closed on XX/XX/XXXX so it has been nearly 6 months with an uninsured loan with Good Life Home Loans. 

After talking to the Good Life company, I was told this would be resolved by the end of the month. I am filing this complaint to make sure this happens as quickly as possible without wasting a lot of my time. Also, I want the owners of this company and all other people to know how incompetent this company was to allow this to happen and make sure no one is expected to endure this kind of situation again. In addition, this is delaying the close of my loan with XXXX by a minimum of 2 weeks which causes me to pay interest that I would NOT be paying had this not happened. As a result of that I believe I should be due a reimbursement for the cost of the interest for the time that is going to accumulate due to the error of this company. 

Finally, I would like to mention that my interaction with your branch manager, XXXX, in the XXXX XXXX office was so incredibly rude, hostile, accusatory, and unprofessional in every way that I will be filing a formal complaint with the XXXX XXXX XXXX to detail that experience and hopefully inform the owners of XXXX XXXX XXXX XXXX and the public, of the gross unprofessionalism and extremely poor handling of this situation by her, who is in the position of branch manager, and should not be.

Company involved in complaint : Good Life Home Loans XXXX XXXX XXXX XXXX # XXXX XXXX, Wa XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Thank you for your prompt attention to this matter. 

15 U.S. Code 1681c2 states 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

XXXX XXXX XXXX amount {$4300.00} yall keep reporting that i owe supposed debt i never gave ANYONE permission to furnish anything on my consumer report pursuant to 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. i demand the written instructions because i know for a fact because i have first hand knowledge of the facts further more its violating my faith in god because he issued his servants the credit Proverbs 22:26-27 Do not be among those who give pledges, Among those who become guarantors for debts. 
If you have nothing with which to pay, Why should he take your bed from under you?
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the late payments need to be removed from my account. I have never been late on payments with this company. 

Please see attached documents. I have been reported late for XX/XX/XXXX and XX/XX/XXXX. Once again I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Student loan accounts are reporting late and therefore showing negative on my XXXX REPORT. XXXX and XXXX have updated and corrected the items. It has gone past the time that was stated for the information to be updated. Some were updated but TWO are still reporting negatively. 

1.ED Financial XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4300.00} 2. ED FINANCIAL XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 116 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance XX/XX/XXXX THROUGH XX/XX/XXXX IS REPORTING PAST DUE. THESE ACCOUNTS WERE IN DEFERMENT DURING THE TIME AND HAVE BEEN CONFIRMED BY LETTER THAT WAS SENT TO ME. BUT ACCOUNTS HAVE NOT BEEN UPDATED YET.
Product: Checking or savings account

Getting a lot of overdraft fees pver the past 2 months on checking account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Company Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXXccount XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, XXXX ( XXXX yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info
Product: Student loan

We moved in XXXX from XXXX  to XXXX  & changed address, changed phone numbers and changed bank accounts. I had a payment set to go through but since the address changed it did not go through. I didnt recieve any information that my account past due or that the payment did not go through from my old bank. There are multiple things that are incorrect from Alaska Advantage Stident Loan Program. 1 is I make one payment but when they reported a late it shows up for 5 accounts. This is predatory practice. Another is that student loans stay on reportd FOREVER which should be a crime. I've had perfect history for the past 8+ years with them and then this incident which was accidental trashes my credit. It brought my score from a XXXX to a XXXX and I pay my Bill 's on time and plan on buying another home in the near future. Another things they dont XXXX report 30 day late which if that would have occurred maybe I would have seen the error earlier. They do that on purpose because I'd they can CHOOSE to not report 30 day lates than they can assist in getting this removed. This is unfair practices that takes advantage of consumers and is predatory. I feel sorry for the college students today getting out attempting to pay these loans because I'm a XXXX XXXX  and this company has never worked with me during transitions. XXXX XXXX student loans however has been awesome at working with you during transitions of home or jobs. This company needs to get its stuff together and is the perfect representation why this country needs student loan reform. If your going to bankrupt our nation you should at least work with the people that are paying your loans back. I've already paid back way more than I borrowed as well.
Product: Credit card

I XXXX, XXXX XXXX a natural person and consumer, recently applied for money, goods or services primarily for personal use on credit with Marcus : by Goldman Sachs . I then received a letter informing me that their organization was unable to approve my application. As a result, they have failed or refused to issue me an account as a creditworthy consumer. As you know or should know, it is prohibited to take adverse action against a consumer pursuant to Equal Credit Opportunity Act codified at 15 USC 1691c for which they may be held criminally and civilly liable for your violations of 15 USC 1642, 1681m and 12 CFR 1002. Pursuant to 12 CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. Please referenced the attached evidence as proof of my application for credit and your refusal to extend credit. Pursuant to 12 USC 1602 ( p ) Marcus : by Goldman Sacks have made unauthorized use of a credit card by utilizing my social security credit card in which I received no benefit. Pursuant to 15 USC 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus Marcus : by Goldman Sachs fraudulently used my credit device to obtain money and provided me no benefit from such use.
Product: Checking or savings account

Someday fraudulently alter the name of the recipient 's name from already deposited check and deposit for the second time. Therefore, I filed TD bank fraud referral form on XX/XX/2023. XXXX store name-TD bank, XXXX XXXX XXXX XXXX  # XXXX. 
XXXX XXXX ( which I got from customer care ). 
It's been more than XXXX months since I filed the complaint. There has been dead response from the bank, either they told me, there is no response from the agency, come back after one week or call the customer care. This has been repeating for the last XXXX months and I felt like they want to bury my case under bureaucracy paperwork and simply ignore my refund. 
I request concern authority to look into my matter and take swift action so that common people like me, don't have to " still waiting " to my money back.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX I requested all my personal info be corrected via deletion and updated and upon checking today the incorrect names, employers etc are still showing AFTER they said the info is deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage has been with XXXX for a very long time. The mortgage payment has been fixed at {$4500.00}. All my payments have been on AutoPay from my XXXX XXXX XXXX account and have always been sent to them via check. Then XXXX changed the loan amount due to the inbounds ( taxes or insurance changed ) and didn't properly notified us. They claim that they send a letter informing about the change, but both I and my husband were out of XXXX XXXX for few months due to business travel and didnt receive the letters. No one attempted to give us a call to tell us about the change. When we came back I received a returned check with a letter that the amount we sent to XXXX was lower than the payment amount and they could not apply the partial amount to our mortgage. In addition, they did apply lower amounts for several months before that and just send us a separate letter asking for additional payments. As a result, XXXX returned the check and reported 30 day late for XX/XX/2019. After I found out about what happened, I immediately paid XXXX and XXXX balances in full and switched to the autopay on XXXX to prevent this situation from happening in the future. I asked XXXX to correct the late payment on my credit report via goodwill adjustment, since it wasn't my fault and I've always made all my payments on time not only with them, but also with other banks and credit companies. However XXXX completely refused to cooperate and remove the late payment from my and my husband 's credit report. We're asking you to help and resolve this situation.
Product: Payday loan, title loan, personal loan, or advance loan

I opened this account to try and build my credit. Shortly after opening this account, I attempted to make the payment and had a very tough time reaching someone with the company to do so by phone. My payment information had changed and there was no option to change the information online. I was advised online that this had to be done by phone. It took me more than 1 month to finally be able to reach someone from the company and by the time that I was able to do so, the account had already been reported to the credit bureau as being 30+ days past due. This account is several years old and has been closed and paid in full, yet the 1 single missed payment has greatly affected me as it is the only single payment I have ever missed that has been reported by any company. Credit bureau reports that this is affecting my store by as much as 30 points and has caused between {$4500.00} and {$7500.00} in additional interest being charged to me by other trade lines. Now the bank that Self.inc used to provide this service to me has closed, yet this is still being reported. I have spoken with agents from self.inc and they are not knowledgeable and do not assist me because the account is so old.
Product: Credit card

I paid off this card in XXXX XXXX XXXX. Shortly after, in XXXXXXXX XXXX XXXX I've contacted them via both their messaging system on their website, and via their phone number to close this account. The last person I talked to on the phone stated that they had indeed closed my account back in XXXX of XXXX. I pulled my credit report on XX/XX/2023 and the account still shows as open. I contacted the company again and they simply dismissed my message with no resolution.
Product: Credit reporting or other personal consumer reports

I had a XX/XX/XXXX back in 2018 for less than 6 months. I got my final statement in XX/XX/year> from XXXX. They closed their location and store down via bankruptcy and couldnt pay the card off or anything. I reached out, nothing years later I get a it on my credit report. I had it on my report for almost 7 years now and I dispute it and they constantly confirm that its accurate I never got information on what they have. I never get it to be removed off my report. Its past statute of limitations.. they dropped my credit down XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the Public Record of a Bankruptcy ref # XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well. XXXX removed the information from my consumer report as of XX/XX/2021. XXXX, XXXX and Experian have failed to remove the inaccurate information even after multiple disputes and despite the furnisher of the information " XXXX '' deleting the bankruptcy ref # XXXX from my consumer report. The latest letter sent to all three bureaus to exercise my rights under XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ( XXXX  ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information... ect. Neither XXXX, XXXX, nor Experian have provided me this information in the XXXX day time period allowed and am making this complaint to show XXXX, XXXX, and XXXX by not affording me my rights under the XXXX or deleting the information from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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  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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hereby exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that all communication related to this alleged debt cease immediately. I am formally requesting that you and your agency, as well as all associated parties, cease any contact with me, either in writing or by phone, all forms on contact to cease regarding this matter. 

Please be aware that I am aware of my rights as a consumer under the FDCPA, and any further attempts to collect this alleged debt without proper verification and validation will be considered a violation of the Act. I also request that you provide me with documented proof of this debt, including its origin and the legitimacy of your claim, as required by law. 

Until proper validation is provided, I consider this matter unresolved and will not entertain any further communication on this subject. Any negative reporting or attempts to damage my credit standing based on unverified and disputed information will be dealt with accordingly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXXXXXX XXXX # XXXX ... .has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX  # XXXX ... has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was pre approved of a {$200000.00} VA home loan on XX/XX/2023. 

XX/XX/2023 I payed for the inspection {$400.00}, earnest money {$1200.00}. 

XX/XX/2023 I payed {$670.00} for an appraisal. 

During the whole process they kept changing my loan team around I was given multiple agents that Handled my loan documents. Apparently there was a team that got involved and started to not approve mortgage loans because USAA had made some mistakes giving out these pre qualifying numbers. 

The whole process was very stressful and un organized. All for nothing in the end.