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

I purchased a vehicle from city limit motors in XXXX Illinois on XX/XX/XXXX. The dealer informed me that the XXXX XXXX I purchased was a XXXX submodel. Which does not exist. He had me drive the XXXX to personal finance company, where he met me with the contract. He spoke to the staff there for me. I tried to back out of the loan twice because the interest was high. He swindled me by telling me that I could refinance the vehicle in a year or so after the payments improved my credit score. He failed to mention that you can not refinance a vehicle that is over ten years old. He acted as a liason to me and the loan company until I signed the contract. I felt obligated since drove the XXXX there and having my ride leave from the dealership. 

In XXXX personal finance lied to my insurance company when the vehicle was stolen. They claimed that thw contract stated interest is to be precalculated. The contract clearly states I pay monthly installments with no penalty for paying off early. My insurance cut a check for more than {$11000.00}. But it did not cover the interest. I was left with a balance of around XXXX that has compiled interest and is now around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I fell ill with XXXX XXXX after XXXX XXXX diagnoses. After a few months of only being able to afford partial payments I reached out to XXXX, who I have a loan with and they helped me under the cares act and on XX/XX/2020 received a loan modification to omit the late months and reduce payments through XX/XX/2020. I made payments per agreement and once XXXX  was established back on regular payments for 6 consecutive months as was told had to have that before I could refi under the cares act from other lenders. During this time my other accounts were closed by lender due to low credit score. I didn't realoze the damage as I applied in XXXX then again in XXXX and time expired ( my fault ) then I received a flier in mail saying I could get a home equity loan 3rd party and needed credit score if X amount so I pulled my credit and found the errors in report. I then tried to get a loan to pay off closed accounts and unable to qualify. I filed a dispute with all 3 credit reports and XXXX said reported credit correctly and did not change. I filed a complaint with XXXX and the XXXX and they are currently processing a " mini loan '' so I can pay off bills and reset the reporting on credit for loan. Per my consumer credit rights I am requesting a through investigation as my attempts to resolve have been unsuccessful and I am needing new windows for my home and can not qualify for the loans under cares act due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Payday loan, title loan, or personal loan

In XXXX of 2020 my children and I tested positive for XXXX. I missed quite a bit of work and needed money fast to cover bills. I unfortunately came across a website for Majestic Lake Financial. The interest was high but I was desperate and the appeal was I would have the money the next day. I borrowed {$1100.00} from them. They have been deducting payments bi weekly directly from my bank account since XXXX. I mentioned this to my boss and he did some research and found that this type of loan is illegal in the State of Indiana. Indiana has a cap on interest rates of 71 %. They are charging me 528.0063 % for 8 months. I have already paid them {$1500.00} to date. I am not looking to receive any money back. I borrowed the money and I am responsible for paying it back, however they're charging me 528.0063 % interest which I am seeing now is illegal. I have more than paid the loan back. I have paid the principal and well above the legal amount of interest. I am looking for some clarification of my rights in this matter. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These late payments were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal dispute to Equifax regarding inaccuracies in my credit report. In my letter, I outlined detailed discrepancies in several accounts, highlighting inconsistencies in balances, account statuses, and other critical data points when compared to reports from XXXX and XXXX. My dispute referenced Fair Credit Reporting Act ( FCRA ) requirements and Metro 2 standards to ensure accurate and fair reporting. I requested a thorough investigation and reconciliation of the disputed items and, if necessary, the removal of unverifiable information to protect my creditworthiness. 

To support my dispute, I included the following documentation : A signed and dated dispute letter clearly articulating the issues. 
A copy of my government-issued identification. 
A copy of my Social Security card. 
A utility bill displaying my current address. 

Equifax 's Response : On XX/XX/year>, Equifax issued a response alleging that the documents I submitted were illegible. This statement was contradictory, as their response simultaneously listed the exact documents I had provided in my initial submission. Despite the detailed and organized nature of my correspondence, including a clear and complete dispute, Equifax seemingly ignored my submission and dismissed it with a vague and inaccurate claim. This approach reflects a lack of diligence and undermines my efforts to ensure that my credit report is accurate and compliant with federal standards. 

I respectfully request that Equifax address this dispute with the seriousness and professionalism it merits, conducting a proper investigation and providing a comprehensive response to each disputed item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this account in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$280.00}, XXXX XXXX XXXX Balance : {$230.00}
Product: Mortgage

Early last year I got divorced, and results of that occured a large loss of income. We were in the process of building a home, we had already invested quit a bit. A month after the divorce the home was ready, and I moved in. And with in a few months from that and all the the financial things that help make a home run smoothly, was getting less and less. I saw my self really needing help. I called my mortage company CMG Mortgage and was told the only way the could help I had to be 90 days behind. I didnt want to be behind thats why i needed help. Well eventually I did get behind and I started a modification apply, over a few months and submitting all the paperwork they asked for. The house went in active for closure, I was so dissatisfied. From submitting papers, to the Underwriters saying my package was completed on a Friday. To the very next Monday Foreclosure. I did everything I was asked. All paperwork was sent in a urgent timely matter. Presently I'm back with the Underwriters again, but I'm {$20000.00} in debt and very sad, nervous, anxious. Because I dont know which way to go. Ive put in complaints and never heard back from anyone from the company.
Product: Checking or savings account

A repetitive problem that has resurfaced over and over again. 
when the branch was confronted with the Service fees of {$18.00}/ for 6 months that i was aware of. Back also claims they can only go back 6 months. 
Bank is wrongfully charging customers and those that fail to sport these inaccurate charges within 90 days will have just been ripped off by their financial intuition. 
this is not the first time this has happened but will be the last with Comerica. 
There is over XXXX in these few accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying again for days to resolve an issue with Equifax. I cant sign into my account and Im told I have no account and then when I try to open a new account Im told I cant because I have an account. This has been going on now for two years. I have tried multiple ways to get around it and it will not work so I am locked out of my credit freeze. When I call and hold online for 2 or 3 or 4 hours, yes its true the staff never ever helps but just tells me to sign on again it will work this time. I have many many hours maybe 35 into trying to fix this issue and its cost me thousands of dollars because I can not refinance. I cant tell you how bad I think Equifax is.
Product: Mortgage

Since Bank of America acquired our loan from XXXX, our mortgage keeps increasing every year. Bank of America would never allow us to refinance or get a recent modification on our loan. We have gone from paying {$1800.00} a month to {$2600.00} a month and the rate keeps increasing. We have been turned down for a loan modification multiple of times.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX  XXXX XXXX XXXX / {$2000.00} / XX/XX/2022
Product: Debt collection

I received Debt Collection Notice from EOS CCA stating that I had an outstanding balance with XXXX that they are seeking to collect on behalf of US ASSET MANAGEMENT XXXX. However, when I checked the license number on the letter with XXXX XXXX ( online ), it says that the license belonged to a differnt company and that it expired in XXXX 2017. Additionally, I contacted XXXX and my account is paid up to date - it 's on auto pay.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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
Product: Debt collection

Cash Central/and affiliated collection agencies have repeated called my place of employment, friends, and even family members mentioning my debt. They passed on the debt and people are still calling my family and now my NEW place of employment stating " I need to comply or else I will be picked up by the law enforcement assigned to my case. '' This has been on going since 2016.

I would like for the harassing phone calls to my friends, family, and place of employment to stop.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

receiving numerous debt collection letters from LVNV XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them money, they claim they purchase debt from XXXX but will not provide debt validation letter. 
I do not want a copy of contract with XXXX. I owed XXXX but not LVNV I need transfer or assignment of transfer to LVNV. 
they have violated the FDCPA Act please review the attached letter and documents
Product: Credit card or prepaid card

I was sent an Amazon store card to which I did not apply for it. When I called I found out the bill is up to {$230.00}. 

I appear to be the victim of identity theft. I had personal information that this company appear to know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I contacted Chase Bank, to speak about a settlement. I spoke with an associate and supervisor about paying a set amount for the removal of this account. Due to me being hospitalized, resulting in a XXXX XXXX XXXX. I am now disabled and can not work, so this was crucial to the decision to pay said amount. Fast forward to XX/XX/XXXX and to my surprise its still showing. I called Chase yet again to only be met with their representatives accusing me of lying and continuous blatant disrespect. As soon as they find out Im XXXX ; Im treated as though I have little to no comprehension. XXXX XXXX # XXXX was not only intent on not helping me, but shes sorry Im too sensitive and cant understand her.
Product: Mortgage

Missed work due to a natural disasters and then a c person contacted us from Ocwen mortgage that turned out to be a scammer lost XXXX dollars tried to get a modification or repayment plan or forbearance denied all said they sent out a letter never received so don't even know the reason we were denied they said it was in the letter .now our payment has gone up almost XXXX dollars a month mortgage company says insurance increase but now we have a letter saying insurance cancellation because of none paymen.we our at our ends we don't want to lose our home we have been in for 15 years feel we our being screwed we have just fell on bad times and want to workout a deal please help I don't know what else to do so many scammers out there afraid of them and they say I should not have to pay for modification help thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont want my account closed. These banks are ingnoring me. and the credit bureau report anything on your credit report. Im suffering. Im a hard working american I need my credit worthy as I work hard to maintain it. Thiese companies are designed to keep XXXX XX/XX/XXXX down. Its a comspiricy. I can buy a home or get the job I need to care fro my family. I work hard to pay on time. Please work hard for me. Dont shut me down. I cant be left alone.. I filedXX/XX/XXXX ftc. My last resort is to hire a lawyer.XX/XX/XXXXXXXX isnt my accont I explained and they forced me to pay something that wasnt mines. They told me that there's nothing I could do and If i dont pay they will continue to ruin my credit. I found this weird and unethical. Who can help someone when they go through issue like this? 
XXXX XXXX I WAS NEVER EVER LATE ITS REPORTING ONLY ON XX/XX/XXXX AND I DEMAND ON FCRA THAT THEY DELETE LATES ON MY ACCOUNT. I INCLUDED A COPY OF MY REPORT. TRANSUNION IS THE ONLY ONE REMORTING LATE. I NEVER WAS LATE. THIS IS MUST BE UPDATED remove lates from XXXX I was on defeeerent remove late from XX/XX/XXXX they said they woul updtae my credit sevral inquiries and lates due to covid19 someone was trying to get a car in my name. please delet all these inquiries. This is horrible. 

delete these inquires they are not mines. is this legal? Who is here to protect me. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX
Product: Credit card

I filed a complaint with CFPB on XX/XX/XXXX. My complaint was that Amex told me on the phone that I was not eligible for a hotel statement credit because I was not eligible for it in the year XXXX. The offer clearly indicated I was. In Amex 's CFPB response, it acknowledged that I was eligible in XXXX, as I contended, but the purchase was made a day too late. On XX/XX/XXXX, I made a new CFPB complaint because the purchase was not made a day late, and I attached the receipt showing the date of purchase XX/XX/XXXX. CFPB automatically flagged it as a duplicate complaint, but it was, in fact, a new complaint because Amex had not addressed the fact that my purchase was made within the offer period. I called CFPB, which told me they couldn't un-do the complaint being auto-closed. The CFPB service rep told me to submit the complaint again and try to use different wording so it wouldn't be flagged as a duplicate. The hotel charge initially showed on my account on the date of purchase as " pending, '' before Amex later changed it on the statement to the next day. Amex has refused to explain the discrepancy with my receipt date.
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 pr

ivacy and confidentiality under 15 USC 1681. has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation : On XX/XX/XXXX American Express has incorrectly and illegally listed an over limit event from XX/XX/XXXX of another credit card user on my credit report. i do not have a responsibility for this credit card account yet it was reported by American Express for me. This resulted in a 50 point drop in my credit score. I have asked them to remove the item but have been unsuccessful to date.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXX, XXXX Former : XXXX XXXX  Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Employers : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$63.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$750.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 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: Debt collection

Disputed debt by Capital One. Spoke numerous times with previous collections & explained it was a secured card ( {$250.00} deposit ). Spoke with XXXX at XXXX XX/XX/21 at XXXX. Explained the same. 

Asked previously for debt validation/verification & was sent two statements ( XX/XX/XXXX, XX/XX/XXXX ). Representative referenced statements I do not have ( XX/XX/XXXX ). 

Opening the card with Capital One, the agreement/card was a SECURED card with a DEPOSIT I provided on the account of XXXX XXXX I never received the deposit back, and this should have been applied to the account. 

Account is paid
Product: Checking or savings account

Date : XX/XX/203 Company Involved : Paypal , Inc . 
Paypal Account : XXXX Issue/Concern : I can no longer use my paypal account because of permanent limit. I can no longer send and receive funds.