23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my most recent credit report, I noticed that you are continuously reporting accounts with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed TransUnion with regards to this issue and I have not received any response from them until this date.
Product: Credit reporting or other personal consumer reports

I filed a complaint # XXXX with XXXX a copy of my credit report and noticed some hard inquiries did not get deleted. 

XXXX XXXX XXXX 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: Vehicle loan or lease

I bought a car from the XXXX XXXX in XXXX Indiana on XX/XX/XXXX. I was financed through the Automotive credit Corporation. the total amout financed was {$6100.00}. I paid {$800.00} cash down to the XXXX XXXX. the owner of the company is XXXX XXXX. THe finance company paid the car lot in full so i then made my payments to them through their web site. I had a family emergency that required my finaces but i i had made arrangements with the finance company. I paid them {$200.00} of the {$260.00} payment and i agreed to catch the the remaing up. 

On the XX/XX/XXXX the XXXX XXXX sent a tow truck and took my car. I do not make i payments to them i have a letter from the finance company telling me to deal directly with XXXX about my account. The next day i called to see how i get my car car back and what i need to pay. XXXX then informs me that they do not have my car, nor did they authorize the reposessioin. they advise me to contact the police to see if a repo was reported to them. 

The dispatch officers informs me that no repo report was made so i then procced to file a stolen vehicle report. I also called the XXXX XXXX and XXXX XXXX said they didnt have the car. when the police filed the report XXXX XXXX then informed the officer that he repossed it. 

I have the call recorded with the finance company at that point saying that they do not know why he has the car or or what he wants to accomplish by taking it. 

The finance company sold my car back to XXXX XXXX who is now going to sell it at an auction. So my contract was cancled with XXXX and wont tell me why. i recived a letter on the XX/XX/XXXX stating any questions need to be directed to the XXXX XXXX 

I dont belive either company has a license to finance so i was decived and robbed of my money. also they voided my signed contract. over XXXX bucks.
Product: Mortgage

To Whom It May Concern, I am filing this complaint against ClearSpring Loan Services because they are alleging they are the servicer of a second mortgage loan I took out in XXXX with XXXX Bank, NA and was charged off in XXXX. For over seven years I heard nothing about this second mortgage because I was informed it was charged off. Clearspring Loan Services just came out of the blue and are trying to foreclose on my property on a deed of trust that has been extinguished. Not only has the deed of trust been extinguished by way of a charge off, on XXXX XXXX, XXXX I mailed them a letter of rescission. Upon learning that my rescission rights were still available under this loan due to the fact that my loan was never consummated because my true lender or the true source of funds were never revealed to me, I mailed Clearspring a letter of rescission. Under the Federal Truth In Lending Act, the deed of trust and promissory note are canceled, made null and void by operation of law. If Clearspring wanted to challenge my letter of rescission they should have filed a declaratory judgment against me within 20 days of receipt of the letter of rescission. Clearspring received my letter of rescission on XXXX XXXX, XXXX. Clearspring and/or the actual creditor this loan did not file a lawsuit against me. Furthermore, Clearspring have not taken any of the mandatory actions required under the Federal Truth In Lending Act. Instead of taking steps to provide me a release or reconveyance of the deed of trust, they are continuing their actions to try and foreclose on my property. The next scheduled foreclosure date is set for Tuesday, XXXX XXXX, XXXX. Clearspring is not only violating the Federal Truth In Lending Act, they are also violating the Rosenthal Act which is California Civil Code section XXXX. They are violating this Act by threatening to take actions not permitted by law, which includes attempting to foreclose on a void security interest, falsely stating the amount of a debt owed, and increasing the amount of a debt by including amounts that are not permitted by law or contract, and using unfair and unconscionable means in an attempt to collect a debt. I believe it was necessary for me to file this complaint because it appears Clearspring believes it can violate these laws without any consequences of their actions. I am seeking the assistance of the Consumer Financial Bureau to assist me in forcing Clearspring to abide by the law. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I had two credit cards issued through Synchrony bank, Lowe 's and PC Richards. I have had these cards since XX/XX/2013. I set up auto payments and never missed a payment. My credit report shows 100 % payment for the life of these accounts. Synchrony decided to close both accounts even though they were being used at least twice a year and paid on time. Because of these actions, my credit has taken a huge hit. I don't have perfect credit but was using these cards to help me get my credit back on track. The advice on most credit sites and even the major credit bureaus have recommendations in line with what I was doing. It will take me years to dig out of what Synchrony has done to me and countless others I have run across. This bank is taking advantage of the current pandemic closing accounts because they aren't making any money off of people like me. Please help me. Is there anything I can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this message because its really important for me. Please remove these accounts because its a totally wrong information- its identity theft. I do not know these accounts and how they appear in my credit report. I do not recognize them and I have never signed any contracts and agreements. The accounts are definitely not mine. Please remove them from my credit report its very important for me. I do not know these items ended up in my report.
Product: Mortgage

Dear officer, I am reaching out to you to complain about bad and unethical practices of mortgage lender " Interactive Mortgage '' and seeking help from you to get the justice. 
Through a reference, I approached Interactive Mortgage for refinancing my home mortgage.They offered me a rate of 1.99 % ( 15 years fixed ) without any contingencies after talking to me. They asked to fill the application and also they told me that they would pull my credit. Before I gave my consent for pulling credit, I asked for rate confirmation and they said " yes. They did not mention any contingencies on the rate. I did all the paperwork and sent the documents on XXXX. They told me that thy would would comeback after 20 days. I reminded once on XXXX and they came back on XXXX. They sent closing disclosures for signatures. 
I signed and before sending, I went every piece of information. I realized that they increased the rate to 2.125 % without notifying me. I believe that it Is not at all a good practice by any means. Who with good business ethics would send closing disclosure with increased rate without discussing with borrower? They have confirmed the rate without any contingencies before pulling my credit and before I spent time to do all the paper work. 

I mailed back them asking why did they increase the rate. They mentioned apprised value of the house do not qualify for that rate. My loan amount is XXXX. My home is appraised for $ XXXX by the agency sent by them. If that is the case, that should be a contingency before I spent time for all the paper work and my credit is pulled. They are saying that I filled XXXX as approximate home value. How would I know the my home value? Now a days, lot of people check XXXX for the latest home value estimates which shows XXXX. Since I spent lot of money for renovation, I gave approximate value $ XXXX. They are taking this as excuse to increase the rate. 
If they had put this as contingency before conforming the rate, doing all paper work and pulling my credit, I wouldt have proceeded with them since I had alternatives at that point of time. Since I lost time and competitive advantage because of their bad business practices, I would request to intervene and do the needful. 

Thank you for your time and service.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I placed a pay in 4 installment plan with PayPal for XXXX XXXX, which is a grocery store. They didnt have some of the items I needed so the amount changed after the plan was in place. 

PayPal charged me {$57.00} for the initial authorization hold of the plan. After the plan had processed they updated the total and then charged me {$51.00} which is the final cost of each installment payment. I was charged two separate authorization holds.

Mistakes and glitches happen so I reached out to PayPal about the two charges. Im getting installment plans for groceries for a reason, money is very tight right now so I need every XXXX. 

PayPal sent me a letter apologizing for the inconvenience and said they would void the duplicate authorization and send the money back. I have screenshots of my bank statement and this letter. I had the {$57.00} put back in my account. 

Today every charge has officially posted and the {$57.00} has come out again along with the {$51.00} being posted. 

I contacted PayPal through messages since every piece of information was still in that message thread. the representative who initially said they would refund it said they couldnt see a transaction for {$57.00} on PayPal ( I couldnt either because theyve adjusted it ) I offered to send my bank statements again and send them back the letter of them apologizing and she ended the chat. 

I understand how authorization charges work. Ive had a pay in 4 amount change before and it all evened out. I have been double charged on this one and PayPal is treating me like Im lying. 

They told me to reach out to my bank and I did, they have told me to reach back out to PayPal since I have the letter saying they would refund me. I called PayPal after they ended the chat and was transferred 4 times and each person said they couldnt find that transaction ( then I would say yes I have the proof ) and talked in circles about how charged work. I know theyre doing their job but I was met with accusation and pointing the finger back at me like its my problem to hunt my money down. They said they couldnt do anything. Every time I told them I understand authorization charges but they charged me twice. Both have posted for the same installment plan, nothing fell off and nothing has been refunded yet. 

Ive also filed a complaint with the ftc because I refuse to get bullied and ran around by a multi XXXX dollar corporation. This isnt right and they recognized that it was their mistake but now refuse to do anything about it- and are acting as if they already resolved it. 

In a nutshell : my installment plan charged me twice and theyve fully posted. Once for {$51.00} and once for {$57.00}. The {$57.00} should be refunded to me. They voided {$6.00} to reflect the {$51.00} but I still have a full charge for {$51.00} and {$57.00} and no one will listen to this.
Product: Debt collection

My CFPB complaint on XXXX/XXXX/2016 was not resolved this business stated they will send me validation of debt, we are now XXXX/XXXX/16 and I have yet to receive any information. In my last complaint the business stated that I have been inconsistent with my complaint because I disputed with the credit report agency 's that the account is not mine and now I want Validation of debt. Obliviously if the company keeps trying to collect even after my dispute the persons who the account is affecting will ask for validation of debt, so i do n't see the inconstancy here? Their response says I was sent numerous letter which is FALSE! How can I send a timely request for verification or validation, When I have never received a letter, I noticed the company on my reports. The business also failed to address the phone call to me that went against The Fair Debt Collection Practices Act saying he is in the process of suing me and filed documents with the XXXX court, and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15. The business also failed to address the inconsistent information that has been reported to my credit files with different balances owed and dates given.
Product: Credit reporting or other personal consumer reports

I dont know what some of these companies are. I never authorized these companies to have my information. This is fraud. This is illegal. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Prefer lease concerning the issues onXX/XX/XXXX.To resolved the problem.I sent several disputes one threw the mail and one online.They are refusing to close the case and I paid them XX/XX/XXXX.Which I was told it would be close almost 6 months.There trying to get more money out of me XXXXEven thou we had agreement .I paid them XXXX on XX/XX/XXXX. Reference No.XXXXI feel they taking advantage of me during this Pandemic.I experience hardship doing theses time.I was out of work for almost a year.Please help me because I can't get any answers.My name is XXXX XXXX
Product: Debt collection

I applied and received two credit cards from XXXX XXXX ( Now XXXX XXXX ) on XX/XX/XXXX. I then choose to close the credit card account on XX/XX/XXXX of XXXX which I have documentation of this. My last payment that there showing is XXXX of XXXX. Portfolio Recovery Associates apparently purchased the debt that was owed on XX/XX/XXXX XXXX. My understanding of the Statue of limitations would had this debt Time barred by this point. I disputed this through all three credit reporting agencies with no success. Portfolio Recovery Associates is  still reporting this Debt and is damaging my credit. I need to have this resolved as I have tried repeatedly. I would greatly appreciate your help. Thanks
Product: Credit reporting or other personal consumer reports

Dear [ Credit Reporting Agency ], I hope this email finds you well. I am writing to bring to your attention some unauthorized inquiries that I have discovered upon reviewing my credit report. After contacting the respective creditors, it became evident that they have no evidence or proof of my initiation of these inquiries, nor do they possess any written authorization from me. Furthermore, they have failed to provide any permissible purpose for these inquiries.

In light of the aforementioned circumstances, I kindly request that you immediately delete these unauthorized inquiries from my credit report. As per Section 604 of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681b, consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances, one being when a legitimate business need for the information exists in connection with a business transaction initiated by the consumer.

Additionally, as outlined in 15 U.S. Code 1681i, Paragraph ( 5 ), in case of inaccurate or unverifiable information, the consumer reporting agency is obliged to promptly delete such information following a reinvestigation. Given that the inquiries in question are unauthorized and can not be verified, I kindly request their immediate removal from my credit report.

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I appreciate your prompt attention to this matter and I kindly request that you keep me updated regarding the progress of resolving this issue. Please do not hesitate to reach out to me if any further information or clarification is required.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting information that is said to be EXCLUDED FROM MY CONSUMER REPORT that involves information as to transactions or experiences between myself and a creditor, inwhich is a violation of 15 USC 1681 ( a ) ( 2 ). I am filing this complaint against Trans Union for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my Submissions, Trans Union consistently respond immediately stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore TransUnion actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations . I request that the CFPB take action to ensure TransUnion complies with Federal Law and provide consumers with the necessary proof of investigation. The problem account is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XX/XX/2015. This is a flagrant violation of the FDCPA
Product: Debt collection

Several of the things that I have dispute it on my credit report have never been taken off. I have proven several times that my identity was not only stolen, but even they have proven that my identity was stolen due to the data leaks within their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX

FCRA Violation: auto loan never late
XXXX XXXX XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: student loan never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: collection not mine
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm reaching out once more, marking my thirteenth attempt to address the ongoing issue. Despite my repeated requests, I've been consistently denied access to my personal credit report by EQUIFAX. They have persistently refused to share any information regarding my credit history. Enclosed, you'll find supporting documents that validate my claims, including duplicates of my personal identification.
Product: Debt collection

I was contacted numerous times at different numbers calling about a debt that resulted from my ID being stolen along with credit cards bank accounts and anything else that was in my wallet. I have written letters I have told him over the phone and yet it still appearing on my report. I 've suffered enough.
Product: Student loan

Forged, deceptive invalid loan application and agreement not my signature, is my SSN, name, employer but not my address I never lived in CA, unknown references very forged signature, date of loan coincided with divorce and other trickery found fraud and other deception, other forgery, loan invalid void, paid through trust, servicer is ignoring fraud and consumer complaint against loan practices
Product: Credit reporting or other personal consumer reports

Incorrect name
incorrect addresses
FRAUD NOT ME NOT MINE PLEASE REMOVE
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