23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX my car had a flat tire, I took my car into big o tires to get my tires replaced. Turns out that my car needs an alignment, XXXX of the tires are bald, XXXX is flat and my front control arm and axle need to be replaced and i needed all my tires replaced. I didn't have the money to fix all these issues at once but I really needed my car. I was sold a loan from the cashier, XXXX, about a XXXX interest free loan that could really help me for {$1300.00}. I was never told anything beyond that even when I asked question like " what happens after the XXXX  days ends? ", " how exactly does this loan work? Is it on a weekly payment plan or do I just pay when I want? '' None of these questions were answered properly or were answered vaguely. Even when I called the office, surepay finance, about further details of my loan details and information was withheld from me and i received no new information about the details of my loan or any rules that apply to my payment. or asked further questions to the cashier that sold this to me. I paid an application fee for the contract but when I logged in my contract details changed from a XXXX offer plan to a XXXX day Contract with interest which it's payments after the full year were more than double what I was originally lent. My car broke down a month later XX/XX/XXXX and I lost my job because of it XXXX days later. I didn't have money to pay my loan for about a month, the month of XXXX of XXXX. When I finally got a new job and money to pay off my loan. I logged into the web site to make a payment XX/XX/XXXX. Everything looked fine, I read through all the tabs and rechecked my contract status it still stated that I was in the XXXX day offer and that I still owed the amount I did free of interest. When I attempted to to make a payment the screen changed and said I owed XXXX $ instead of XXXX XXXX When I attempted to make the payment again it showed a new message that said that my contract status was delinquent, my loan was sent to collections, and that the XXXX offer was no longer valid, at this time it's only the XXXX day of my contract. I never received any notice of this change until I logged in today to make a payment. My questions were never answered. I never received emails or letters notifying me of this change but my loan was sent to collections and interest was charged to my loan. The office and the seller never answered any of my questions clearly or failed to respond to any further inquiries about more details regarding my loan or any special information regarding how or when payments needed to be made. I'm still trying to reach surepay finance to resolve this issue as I still fall within XXXX days of my contract and despite their failure to respond to any out reach or messages I have sent them to resolve this issue
Product: Credit reporting or other personal consumer reports

Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by [ insert the credit bureaus in question, e.g., XXXX, XXXX, and TransUnion ]. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities. 

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.
Product: Mortgage

We started this refinance process on XX/XX/XXXX. After Cardinal Financial let the first rate lock XXXX XXXX 's rate lock ) expire, we were told that there was a problem with the title but we were given no other details until XX/XX/XXXX. On XX/XX/XXXX we were told there was an owelty lien on the title and that they needed documentation that it had been satisfied. That is the only explanation we've ever been given. On XX/XX/XXXX I provided the Recorded General Warranty of Deed and the Satisfaction of the Deed of Trust, both proving that the title was free and clear and the lien had been satisfied in 2015. No one ever acknowledged the reciept of this proof, nor did anyone account for this documentation. 

Then they let XXXX 's rate lock expire. 

On XX/XX/XXXX, after not hearing from anyone for nearly a month, I called my title company, Heritage Title Co, and they informed me that not only has NO ONE TRIED TO CONTACT THEM but they also reviewed the title and FOUND NOTHING WRONG WITH THE TITLE OR THE WAY IT HAS BEEN RECORDED. The signed General Warranty Deed I provided over a month prior has a stamp on it proving that it was recorded properly in 2015. 

This is after receiving an email from XXXX XXXX from XX/XX/XXXX saying that they would follow up with Heritage Title to fix this issue.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion are reporting incorrect inquiries that I do not recognize. 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.

( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UT ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported on credit report a debt from XX/XX/XXXX. This was previously reported and deleted XXXX, and XXXX. I contacted main line fertility spoke with XXXX at XXXX. Per XXXX there is no record of debt owed from XXXX. Per XXXX collection activity was started and sent to XXXX collection on or around XXXX as this debt was incurred XXXX. The company has falsified dates. I have disputed with the three bureaus. XXXX has removed and has not allowed this to be reported again as it is too old to be reported. This debt is well over seven years old and the collection company can not change the date to continue to report negatively on report.
Product: Credit reporting or other personal consumer reports

I have several accounts on my credit report that are not reporting correctly. I am disputing that information with all three credit buraus and Experian keeps refusing to investigate my disputes and is sending me these emails stating that the dispute is not coming from me. I have sent them letters stating it is me, with my personal information, copies of my ID, Social and Utility Bill that they requested to verify my identity and they still refuse to investigate my disputes. When I call the number provided in the email, it's just a loop and you can never get a hold of a human being to verify your identity. This appears to be a scam to force me to pay for their credit report and service and are refusing to help me until I give them money. It's my understanding, reading the CFPB, website that they are required by law to investigate my disputes for free without me having to pay them money.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX OAK XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX TE XXXX XXXX XXXX XXXX FL XXXX Employers : XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$5100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$420.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$390.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$5300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$240.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$720.00} XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XX/XX/XXXX {$460.00} Late Payment XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I applied for a refinance with Interactive Mortgage back in XXXX. I had a rate lock for 2.35 % 30 years loan for a loan amount of about XXXX {$410000.00}. 
While i have been waiting for the underwriter, since they have a long queue, rates have gone up ( now the same product is offered for a rate of 2.75 % ). Interactive Mortgage kept on stalling and delaying the process and emailed me on Monday ( XX/XX/2021 ) this week to tell me that my rate has expired last Friday and they will not be able to give me that rate anymore. 

Interactive Mortgage haven't called me or emailed me to let me know that they are waiting on something on need any additional documentation.They also waited till the Monday to email me ( email enclosed ) when they should have done it before Friday, before the rate actually expired. Additionally, i was never notified about this expiry date in any communication from them. 
Enclosed is an email from Wednesday XX/XX/XXXX, two days before the rate was allegedly supposed to expire, in which i am asking XXXX the processor about latest status of the refinance and and she says nothing in her reply about rate about to expire in two days. 

i strongly suspect I am not the only person who fell victim to this fraudulent " stalling till rate will expire '' strategy. They have a strong motive for stalling customers since this way they don't need to respect the rate they promised when market conditions have changed. 

To my huge surprise, they became non responsive and when i eventually talked to the manager XXXX XXXX XXXX XXXX, he had nothing to say to me other than " he is sorry that this is how i feel ''. He mentioned that i can't speak to anyone else and he is the right person. 

Back in XXXX, i could have gotten this rate from a few companies. Now it is not available anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and experian, XXXXXXXX XXXX XXXX, and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX when they thought that I was not monitoring my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a title loan in the fall of XXXX from One Main Financial. The company used high pressure sales tactics to enforce add ons and while I understand that I should. ha ve ran the other way on not gone down the path of getting a loan with these crooks, I was in a bad spot only to learn that it could get much worse. I lost my job in XXXX XXXX XXXX  and was actually making payments greater than the actual loan amount prior to this happening. 

I could barely make rent at this time and while I understand the loan went into default, basic survival was what I was focused on. I no longer have access to any of the loan details, requested the information via email which they have de need me do to " Security '' purposes. In the end, they used high pressure additions, consistently offered loans to refinance and now refuse to do any communication with me accept over the phone which will lead me right back into a rabbit hole of high pressure enforcement on this debt. 

I have no clue why companies such as One Main or any lender can get away with charging astronomical interest fees praying on the people whom do not have the means to pay the loans in the first place. The loan is essentially a {$8000.00} loan that is really {$13000.00} due to the additional fees applied from interest and the additions they force you to sign up for.
Product: Money transfer, virtual currency, or money service

My account was frozen with no detail of matter of why it was frozen or when it would be unfrozen my money is the account is causing my so much damage as it is to pay my credit cards off
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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I did not take out this loan, someone used my personal information and obtained my info. The company where loan was issued from closed down due to unprofessional practices, XXXX reaching out to several companies, and no one is willing to help me get this remove or review
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$630.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$5900.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX