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

I am filing a complaint against Global Lending Service due to ongoing harassment and serious violations of my consumer rights. The company has repeatedly contacted me and my family with aggressive threats of repossession, even though they have failed to properly disclose the terms of the loan, specifically the finance charges, which is a violation of the Truth in Lending Act ( TILA ). I also submitted this to Colorado Attorney General. 

In addition to the phone calls, they have taken further distressing actions. After my children 's father passed, I tried reconciling on my vehicle. However, a repossession agent, working for Global Lending Service, followed and chased my XXXX son home multiple times, sitting outside of my home and making threats even attempted to run me off the road to get to the vehicle in question. I called the XXXX Police Department twice for him to get off my property. One time in particular I had to call the police department to have company escorted off my property in which he stated he would report a false assault if I didn't relinquish the vehicle. This individual has repeatedly followed my son around our neighborhood and has even tried to repossess the vehicle without proper warning or adherence to legal procedures. This level of intimidation and harassment has not only caused immense emotional distress but has also put my familys safety at risk. 

I put down a down payment on the vehicle and, at no point, was I properly informed about the finance charges or provided with the full truth about the loans terms. This is a direct violation of the Truth in Lending Act, as the company did not provide the necessary disclosures required by law. 

I am requesting immediate action to investigate these unlawful practices and to hold Global Lending Service accountable for their harassment, failure to disclose key loan details, and violation of my consumer rights.
Product: Mortgage

I went under contract for a home in XXXX 2016 with a certain lender. By the time very thing was gathered for my FHA XXXX renovation loan, the lender told me they would need an additional 30 days to close, making the total close process 90 days. Wells told me they could close me in 30 days, so I switched to them with the hopes of getting to the closing table sooner and possibly asking for a 2 week extension, max. Wells switched me to a conventional loan, though I was initially set up for FHA. When I asked about the switch, I was told I was a conventional customer and the loan would be a better option in the long run. The appraisal came back the day after I was to close ( XXXX/XXXX/16 ) at $ XXXX. Repairs on the house were $ XXXX, which meant I 'd have to reduce the scope of work or bring the difference to the closing table. We would have been able to close had the loan been left FHA since they allow you to borrow slightly above the appraised value. The seller did n't want to give us time to get to switch the loan to FHA, so I lost the contract and {$1200.00} in earnest money. I won the bid once the house was relisted in late XXXX and was told by Wells that they could turn the appraisal in two weeks. It would then go to underwriting, which would take up to 48 hours, then it would n't take much longer to close. We set closing for XXXX/XXXX/16. When I called to check the status of the appraisal on XXXX, I was informed it had not been returned although it was ordered XXXX/XXXX/16. I called the executive complaint line and received a return call from a senior processor, who told me he would get back with me once he had more info. He got back with me the next day to let me know he had no further info, but never responded to me any time after that. The seller denied an extension because we still did n't have an appraisal after 4 weeks, and $ XXXX in earnest money was lost. The appraisal came back the following week ( XXXX ) with an after-repair value nearly equal to the as-is value. Wells Fargo claimed they ordered an after repair value appraisal and the appraiser made a gross error, but no proof was provided. By the time the final appraisal came ( XXXX in XXXX ), the seller wanted additional earnest money and refused to apply my $ XXXX in earnest money to a new contract. I submitted another offer, which was denied, most likely because they had decided not to work with me in particular. I 'd like to know why it took Wells so long to get the appraisal when they knew I had a closing date of XXXX, $ XXXX in earnerst money on the table, and was on my second contract with the seller. There 's no one to talk to in regards to your appraisal. The executive committee does is say they 're going to look into it. They sent me a letter in XXXX saying it was going to take longer then expected, but of course I was n't under contract by then. I was asking about an appraisal, so I do n't know why they would take so long. No sense of urgency. I lost earnest money and the fee for the FHA consultant. I was eventually refunded the appraisal fee.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent TransUnion a cover letter, Identity theft affidavit via XXXX certified return reciept. Transunion recieved my mail correspondance on XX/XX/2023. Transunion failed to block the information relating to the Identity theft I had requested. Pursuant to 15 usc 1681c-2 the block of information was to be done within 4 business days.Transunion failed to do so while investigating the identity theft. Transunion sent me a letter dated XX/XX/2023 stating that they was going to rescind the block due to me not providing any information and that they believe I recieved goods and services. I sent all the required information in accordanec to federal law. I also notified transunion that if they believed that I recieved good and services form the furnishers that I request a senior exectuve memeber to send me an affidavit sworn under oath of that fact transunion never provided that correspondance for proof of the fact. Pursuant to 15 usc 1681g as a victim of identity theft I AM ENTITLED TO RECIEVE DOCUEMENTARY EVIDENCE as proof IN WHICH THEY BASED THEIR DECISION ON I HAVE YET TO RECIEVE THAT EVIDENCE. Pursuiant to 15 usc 1681c-2 ( c ) ( 3 ) information itself can not be evidence of me obtaining goods and services.

I have never done any business with any of the furnishers of this information, I have no contract with them, they are not creditors of mine, I have never had any relationship with any of the furnishers of the false information being reported. I was never given any documents to prove otherwise.

Transunion knowingly and willingly continues to report inaccutae and unverifiable information on my credit report after notice of the facts was given. They have failed to maintain reasonable procedures to assure compliance with the fair credit reporting act since I am a victim of identity theft pursuant to 15 usc 1681e in which they were to prevent from happening as well as allowing persons to furnish information without a permissible purpose I had no business relationship with any of the furnishers, no contract, they are not a creditor of mine, I have no account with, no obligation nor any services was ever rendered to me pursuant to 15 usc 1692e ( 2 ) from these furnishers. Transunion failed to protect my right to privacy in which they had an obligation to protect pursuant to 15 usc 6801. They allowed my nonpublic personal information to be obtained by perpetrators of fraud.

I am suffering and will continue to suffer harm to my reputation from the material misrepresentations in my credit report if this error is not corrected immediately.
Product: Credit reporting or other personal consumer reports

Sent multiple letters to the company telling them I have no knowledge of ALL collection accounts on my credit file, Asked for verification and validation nothing was sent or done after said it was investigated, I was affected by the data breach and all collections listed on my credit report should not be there.
Product: Credit reporting or other personal consumer reports

I am the agent for the principal authorized to make this complaint in good faith without prejudice and recourse, no usufruct. We are writing to bring to your attention a concerning issue regarding the handling of our credit information by your bureau. We have recently received several alerts indicating that an account was closed and then subsequently reopened without our knowledge or consent. This erratic behavior on our credit report has caused confusion and distress on our end. 
Violation of Consumer Laws As a consumer, We are protected under various consumer laws that safeguard our rights and privacy when it comes to credit reporting. The Fair Credit Reporting Act ( FCRA ) is one such law that ensures the accuracy and fairness of the information contained in our credit report. By inaccurately reflecting the status of our accounts, your bureau is in violation of the FCRA. 
Interference with Commerce and Injury Furthermore, the actions of your bureau can be seen as interfering with commerce and causing injury as per 18 USC 8. By inaccurately reporting on our credit file, you are potentially impacting our ability to engage in financial transactions and obtain favorable terms for credit products. This interference with the free flow of commerce can have detrimental effects on our financial well-being. 
Misuse of Credit Report It is evident that your bureau is not using our credit report for its intended purpose, which is to provide an accurate representation of our credit history to potential creditors. Instead, the inconsistent reporting has led to confusion and potential harm to our financial reputation. 
In light of these issues, We request that you conduct a thorough investigation into the discrepancies on our credit report and take immediate steps to rectify all inaccuracies. Failure to do so XXXX result in further legal action being taken against your bureau for non-compliance with consumer protection laws. 
We trust that you will address this matter promptly and ensure that our credit information is handled accurately and in accordance with the law. 

Thank You For Your Public Service. 

Top 3 Authoritative Sources Used : 1. Fair Credit Reporting Act ( FCRA ) - The FCRA is a federal law that regulates how consumer credit information is collected, used, and shared.

2. 18 USC 8 - This section of Title 18 of the United States Code pertains to crimes involving interference with commerce. 
3. Consumer Financial Protection Bureau ( CFPB ) - The CFPB is a government agency responsible for enforcing consumer protection laws related to financial services, including credit reporting. 
All rights are reserved, invoking privacy act
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. Experian responded stating that the company verified that the disputed information was accurate as reported, but how can that be when I attached the letter from the company stating that they would be doing a goodwill adjustment. I do not believe that Experian cared enough to open the pdf attached because if they did, they would have seen the company 's response. The company also stated that no one from Experian recached out to do an investigation. Per the Senior Specialist XXXX at XXXX XXXX, this account is to be updated. If this account is not updated in 15 days, I will be seeking legal action. Once again please see the attached letter from the Creditor stating that they sent an AUD and requested that the late payment be removed.
Product: Debt collection

National Credit Adjustors is harrassing me after I've repeatedly told them not to call me. I recieve multiple calls daily on multiple numbers and many of them are spoofed calls. They call me back to back on my personal and work number they recieved from my voicemail. They are calling and not saying anything from local numbers just to annoy and harrass me. They are also using my number to spoof others as an attempt to invalidate my number and have it labeled as spam. I've made multiple requests to no avail and at this time need them to end all communication and cease with all harrassment
Product: Credit reporting, credit repair services, or other personal consumer reports

m not liable with XXXX XXXX XXXX XXXX i do not have contact with XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as i requested. 



correction to me my credit report i demand this account be remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a company of XXXX and XXXX XXXX  up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. XXXX XXXX XXXX XXXX XXXX XXXX XXXXndor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, XXXX, Transunion. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, XXXX, and Transunion and cancel my debt with XXXX  I will contact Civil Rights Commission and think about next step on how mortgage is denied. Frauders and liars.
Product: Credit reporting or other personal consumer reports

I was informed that I was in the system glitch with XXXX XXXX. Now with Experian as well. 
I was informed that i idenity theft in XXXX i mad a claim with the general on line back then. Yet the items are still on my repot.
Product: Credit reporting

I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view my Credit report.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX account was removed from my XXXX credit report. Please remove from my XXXX credit report and TransUnion 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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: Debt collection

The company is contacting references and informing them of the length of debt ( or lateness ) and amounts owed. Unsure of the exact date but was notified today ( XX/XX/2021 ) about being exactly 10 days behind. This practice violates the Fair Debt Collection Practices Act. My references should not be provided details of my debts such as the length of debts and amounts owed. References should not be used for a debt collection practice but instead used as 1 ) a reference to provide me a notification to make contact with the company to discuss the debt 2 ) for reference for the company to provide an alternative or updated points of contact such as phone number, email, or address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from XXXX XXXX XXXX stating that a 30 day delinquency on my report is to be removed. I have disputed this item TWICE though their website and given the the letter both times, and they are not only refusing to remove it but also updated the report saying the delinquency has carried into XXXX of 2023. This can not be legal!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mother is deceased ( XX/XX/XXXX ) I am the daughter executor of will. Her home was sold to her in a deed of trust and she was promised a warranty deed and she never got one and paid cash XXXX in XX/XX/XXXX. Then she found out later on XX/XX/XXXX when borrowing money to paint house the deed was still in a deed of trust and I have the will of the man who sold her this house. XXXX XXXX XXXX XXXX Georgia XXXX. My uncle and this man made the transition 2 years before she ever purchased it in a contract of settlement and now it 's in a security instrument with citimorgage. Citibank made loan over phone she had XXXX and I told them she did and they did that XXXX anyway and this is an investment home there will never be a clear title to the home. Her sister drowned 2 months after mama passed because her husband is the one that took the money and did this. Please help me XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I sent Equifax a dispute regarding personal information they are furnishing that is not accurate. Equifax is required by the Fair Credit Reporting Act Section 607 ( b ) [ 15 United States Code Section 1681e ( b ) ] to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in any report they furnish. It appears they are not concerned with complying with the law as they have not deleted the inaccurate information.

I have notified Equifax that they are preparing consumer reports concerning me with inaccurate names and addresses.

Equifax only has 30 days complete their investigation as stated in the Fair Credit Reporting Act Section 611 ( a ) [ 15 United States Code Section 1681i ( a ) ]. Equifax did not ask for a 15 day extension, and is not notified me of them needing addition time. Therefore, Equifax is in direct violation of the Fair Credit Reporting Act. I still have not received any information from Equifax regarding my dispute. 

I did not give Equifax permission to furnish this information in any consumer file or consumer report concerning me. 

I also requested full disclosure of the consumer file concerning me in Equifax 's possession, and they have failed or refused to send me a copy as required by the Fair Credit Reporting Act Section 609 [ 15 United States Code Section 1681g ]. 

I provided Equifax with a copy of my ID and a current bill showing my address.
Product: Mortgage

I refinance my home XX/XX/2017 with village capital investment loan office at closing he had to sing closing to sign several times. I did but I had to call cause I told him my taxes was incorrect he said no they are right I told that is not what XXXX XXXX appraisal letter I fax over to you. After my house close I contract mortgage company to let them know about my taxes information. My house note went up due to a shortage of escrow put in at closing. I contact village capital spoke with XXXX  she tired to work on the case she also so the taxes was wrong. A big difference from $ XXXX month til {$190.00}. XXXX XXXX   enter the wrong amount. XXXX XXXX was my loan who falsify my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern,  XXXX   XXXX ,  2017  I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which was  Inquires are a factual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n ot investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consum er In b est regards,  XXXX   XXXX