23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a XXXX from XXXX out of XXXX nc they financed the truck at Unifour Financial which owns XXXX, seems like a monopoly. 
The truck value was {$4700.00} but after financing it the total cost is {$16000.00} about {$11000.00} more than the truck value. 

They financed it in my name but since they could n't verify my income they had my Mother co sign, my interest rate was 27 % and after my Mother co sign the interest rate remained the same but it should have been around 7 or 8 % because her credit score at the time was XXXX. 
Consumer fraud was committed on behalf of XXXX and unifour financial because they hid problems about the truck which they knew about, like they purchased the truck from an insurance auto salvage auction in XXXX NC But failed to tell me. they failed to tell me they touch up paint and sprayed a thin layer of clear coat on the truck just good enough to sell which the clear coat and paint came off within a week of purchase. the driver and passenger floor board has rusted holes in which they hid by placing vinyl flooring over it. the steering column collar has bolts missing in which the collar is hanging down. the ignition switch wo n't work sometimes. the passenger door can not be unlocked from the outside. the transmission torque converter is slipping since day XXXX. Unifour financial wo n't work with me on anything, they do n't do deferments, they do n't refinance, nothing will they do, XXXX has had all these issues presented to them numerous time but they have always ignored me. consumer fraud has been committed by both businesses
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate and fraudulent accounts currently appearing on my Equifax credit report. Despite providing supporting documentation, Equifax has failed to correct or remove this inaccurate information, which is negatively affecting my credit profile. 

1. Fraudulent Accounts Opened in My Name I have been a victim of identity theft, and several fraudulent accounts have been reported under my credit file. I have attached : A police report documenting the identity theft. 
An FTC Identity Theft Report and affidavit submitted to XXXX for the removal of fraudulent accounts. 
Despite submitting these documents, Equifax has not updated its records to remove these fraudulent accounts. I demand the immediate deletion of these accounts from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). 

2. Incorrect Account Balances XXXX XXXX XXXX I have accounts from XXXX XXXX XXXX  showing an incorrect balance on my credit report, even though these accounts have a XXXX balance. This inaccurate reporting is misleading and must be corrected immediately. 

3. XXXX XXXX XXXX Settlement Agreement Not Reflected I entered into a settlement agreement with XXXX XXXX XXXX, in which I was assured that upon payment, the accounts would be removed from my credit file. Despite fulfilling my obligations under this agreement, Equifax has not updated my report, and the accounts are still negatively impacting my credit. 

4. Equifax Data Breach and Failure to Protect Consumer Information As you are aware, Equifax has previously compromised consumer data through its data breach, exposing my personal information. It is unacceptable that Equifax continues to report fraudulent accounts tied to my identity without taking the necessary corrective actions. 

Immediate Action Required Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I demand that Equifax immediately investigate and correct these inaccuracies within the legally required 30-day timeframe.

Failure to act on this matter will result in further escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to enforce my rights. 

Please provide written confirmation once these inaccuracies have been removed and my report has been updated. I expect a formal response within 30 days, per FCRA guidelines. 


Attachments : Police Report FTC Identity Theft Report Affidavit to XXXX Settlement Agreement with XXXX XXXXXXXX XXXX  Any other supporting documents
Product: Debt collection

Citibank is falsely alleging that I am past due on my Best Buy account. I have disputed the allegation, retorting that I made the payment last month but, it was not properly credited to my account. Now, starting XX/XX/XXXX, an automated call is being made to my telephone number every day, repeatedly restating that I owe a payment, and demanding that I pay it now.
Product: Mortgage

After closing on this loan I contacted the XXXX XXXX District office and provided a signed copy of the deed, copy of ID with the new address and a Verification letter from the military showing that I have a service connected disability rating of XXXX XXXX. I filled out their application and they gave me a letter stating that my exemption was approved. Once I got that I gave it to the mortgage company and asked them to quit collecting for tax and refund the money in my escrow account. 

They finally verified the exemption and gave me a escrow refund but are still collecting for taxes each month. Then when I tried to make the payment of XXXX which included taxes I reluctantly made the payment knowing that I was going to have to spend a lot more of my time straightening out getting my money back from them. Then the next day it still had not been deducted from account so I got back online and it showed a different amount of {$1200.00} that obviously still included taxes because principal and interest plus insurance should be approximately {$970.00}. So I made that payment thinking that they didnt take the first payment of XXXX The day after that they took thee money from checking of {$1300.00} and the break down showed that the paid {$1200.00} for principal interest taxes and insurance and then just took it upon themselves to apply. {$140.00} toward principal balance without my permission and then gave me an escrow refund of {$1500.00}, further proof that they know of this exemption. I called them and explained this so I could avoid them drafting another payment of {$1200.00}. Why would I make two payments at the beginning of the month when that wasnt the contract agreement to start with? In addition the is another payment toward taxes that I dont owe and the know I dont owe them. Them taking this additional caused my checking account to go into overdraft which my bank charges me for. Of course everything and Wells Fargo takes ten days or longer to figure out which gives them enough time to grab as much money as they can. 

Now Im thinking they created RESPA laws to keep these companies from having these shady practices but it seems that they have found a way around it. I got an escrow refund which proves they know of my exemption but they are still collecting for tax? Its also very apparent that I cant trust them with my banking information either. Giving them access for direct payments would be stupid. And since they collected more money than they should it starts this process of getting my money back all over again. 

Im not making one more payment on this loan until they give me my money back and change the payment to the correct amount. I dont care what it does to my credit and they can have the house.
Product: Debt collection

The company XXXX XXXX XXXX ( ERC ) attempted to collect on an unvalid debt from XXXX for early termination fees that is over 10 years old. There was a class action suit filed in court in California against XXXX and the courts deemed it unlawful for them to charge these fees and as part of the settlement XXXX was to return money to consumers. ERC has placed this negative credit on my XXXX, XXXX and XXXX credit reports stating it is a valid and current debt, which is a lie! The have never contacted me because they don't even have my current address as I left the state of California 11 years ago. I disputed the report and they lied and falsely represented to XXXX this is current debt. ERC is not even part of XXXX they are an independent company that buys old debt, threatens and attempts to extort money from consumers. this website is one of many that shows complaints regarding this firm XXXX XXXX XXXX XXXX This company is lying and ruining my credit on 3 credit reporting agencies, please make them stop and clear my credit! 
Here is proof of the class action suit : XXXX XXXX XXXX California XXXX Early Termination Fee Class Action Settlement Class Eligibility If ( 1 ) you are the Account Holder and had a XXXX cellphone account for personal use, with a California area code and a California billing address, ( 2 ) you paid one or more XXXX flat-rate ETFs for an early contract termination that occurred on or after XX/XX/XXXX and on or before XX/XX/XXXX, or paid an ETF under a XXXX cellphone contract that was initiated on or after XX/XX/XXXX, and terminated on or before XX/XX/XXXX and ( 3 ) you submit a claim on or before XX/XX/XXXX, then you may be eligible to recover {$120.00} for each ETF you paid. 

Estimated Amount {$120.00} Proof of Purchase Cell # Claim Form Click Here to Complete your XXXX California Early Termination Fee Claim Form Case Name XXXX XXXX XXXX XXXX XXXX, Case No. XXXX Superior Court of California , County of XXXX Case Summary The settlement alleges that the ETFs XXXX charged to and collected from Class Members for terminated contracts during the class Period were unlawful under California law. The court was asked to prohibit the provided from charging ETFs In addition they requested the Court to refund to the members of the Class the ETFs that the Class Members had paid. 

Settlement Pool TBD Settlement Website XXXX California Early Termination Fee Class Action Settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with PENFED Credit Union. This issue has been going on for over a year and I am getting the run around. Initially, I was alerted through XXXX XXXX of a charge by PENFED for {$10000.00} that I did not recognize. Then on XX/XX/XXXX, I received a call from PENFED Collections. XXXX, from PENFED, said that they were wanting to collect on an account that supposedly I had co-signed for. She asked if I knew a XXXX XXXX and if I was related. I know of no such person and I never co-signed for anyone. Then she gave me their Fraud Department number of XXXX. I let XXXX know the I have reported Fraud to PENFED, XXXX and the Police Department of the city of XXXX. 

On XX/XX/XXXX, I spoke to XXXX at PENFEDs Fraud department asking for the status on the case. He was of no help. 

On XX/XX/XXXX, I spoke to XXXX at PENFEDs Fraud department. She said that she was going to relay a message to XXXX XXXX, the Fraud investigator and ask him to call me. He never did. 

On XX/XX/XXXX, spoke to XXXX in the Fraud department. All she did was give me a PENFED Fraud department address of XXXX XXXX XXXX, XXXX, NE. I mailed at their request the affidavit of FRAUD and Forgery form ( XXXX ). I also attached the XXXX Police Report Form. Per their request, a copy of my photo for identification purposes. We I have not heard from them. 

On XX/XX/XXXX, I called the Fraud Department ( XXXX ) XXXX ext. XXXX. I spoke to XXXX. He put me on hold and reached out to another Fraud Department processor. Being that the next step is to correct the issue. I never received a letter of Fraud Corrections from PENFED. All that was re-sent were the same forms of the Affidavit of Fraud and Forgery to fill out. It had already been mailed to them on XX/XX/XXXX. 

On XX/XX/XXXX, I called and spoke to XXXX. She said she will escalate this matter in the Fraud Department for her Manager to resolve. XXXX said she noted that this issue has been going on for over 1 year and should have been resolved. 

To this date I have not heard from them through mail or via phone call. It appears that PENFED has bad communications within their own work departments. I am totally being ignored due to their negligence. I dont understand how PENFED approved a loan without confirmation from the supposedly borrower. 

PENFED is not forthcoming with how the loan was created. Whether it was an on-line approval or at a credit union facility. This has affected my credit ratings negatively. I was once rated over XXXX and now I slightly above XXXX due to this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX  to dispute the information as well and have yet to receive a response. The latest letter I sent to Experian, XXXX and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither Experian, XXXX nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Mortgage

I received an offer from LoanDepot ( my mortgagor ) that I could save interest on my loan if I signed up for their budget billing program where they take my XXXX/XXXX my payment twice a month and then twice a year they take an extra payment. This was very misleading because they do n't apply the payment until the XXXX payment is made. They are taking my money and using it for XXXX the month without any benefit to the consumer. I can make a thirteenth payment at will. I am a XXXX and understand what is going on. To the typical borrower that if very misleading and unfair.
Product: Credit reporting or other personal consumer reports

I schedule payment on XX/XX/year> and have email confirmation. It was the last payment to close the loan. I made every payment for the past 59 months with none marked late the last payment is marked as 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Accounts and inquiries on my credit report I do not recognize
Product: Credit card

XXXX rewards points were stolen from my Chase Sapphire credit card account and Chase refuses to restore these points to my account. On XX/XX/year>, XXXX points were deducted from my Chase Sapphire rewards acount for XXXX XXXX point purchases of XXXX {$100.00} XXXX Gift card purchases. I never purchased any XXXX gift cards nor did I receive any XXXX gift card. They were allegedly emailed to my email account but I never received any emails regarding this. My account was obviously hacked. 

I have made calls to Chase but they have refused to restore my points. They said I have prove I never received the gift cards. How can I prove a negative? I was the victim of fraud. And Chase initially recognized the fraud- they canceled my card and issued me a new one - but since then they have refused to refund my points. I request your help to get my points refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Want to pay loan but company interest rate is really high over 31 percent and it will take forever to pay off
Product: Debt collection

Company has called me after Ive asked them to stop & even sites that it was illegal per CFPB policy. I have received 11 calls from XXXX  since Tuesday, multiple calls are made everyday. XXXX has been contacting me using the same method for months
Product: Debt collection

I received a call from Sunrise Credit Services, on behalf of XXXX XXXX XXXX that I was in collection due to an account in a state that I do not or ever have lived in. 

I submitted this to XXXX XXXX XXXX fraud department and they submitted that they received the information but then never responded. 

No updates, no calls, no emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 hard enquiries on my credit report from trans union when I called them to dispute it. Transuion told me they can not send in a dispute for it and I needed to call these companies individually and then these companies telling me I need to dispute it with the credit bureau TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX Bankruptcy Reference # XXXXDate Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX. XXXX  Account Number : XXXX Date reporting NOT Accurate XX/XX/2023 - XX/XX/2023 - XX/XX/2023 : Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax failed to conduct a thorough investigation of my credit dispute, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. Despite providing supporting documentation and clear evidence that the information was inaccurate, Equifax did not correct or properly validate the disputed account information. 

Under the FCRA, Equifax has a legal obligation to conduct a reasonable investigation when a consumer disputes an item on their credit report. Equifaxs failure to meet this obligation suggests a lack of due diligence in reviewing the evidence and verifying the accuracy of the negative item in question. 

I respectfully request that Equifax provide evidence of : The specific steps taken during their investigation. 
Copies of any correspondence or verification documents obtained from the data furnisher ( s ). 
Any internal reports or findings that support their decision to retain the disputed information. 
If Equifax can not substantiate a thorough investigation, I ask that the negative item be immediately removed from my credit report pursuant to FCRA requirements. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt. These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX {$5600.00} XX/XX/XXXX XXXX  XXXX  XXXX {$5500.00} XX/XX/XXXX XXXX XXXX bank {$380.00}