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

I started a purchase with Carvana in XXXX XXXX XXXX, after I received my pre-approval information that month, I setup for my XXXX XXXXXXXX XXXX to be delivered to me, this was submitted on XX/XX/XXXX, I signed documents for the vehicle prior to the vehicle being delivered. The vehicle was delivered to me on XX/XX/XXXX, with the idea that if I did not like the vehicle for any reason I could swap it- no problem nice and easy. The next day I decided I would like to swap the vehicle for a different one. The vehicle was supposed to be delivered XX/XX/XXXX, after going all day and not hearing anything from them I checked the delivery- it had been cancelled, with no call or explanation. I called Carvana and spoke with them, they told me they weren't sure why this happened but it was unacceptable and they would be looking into it and calling me back. After a week of them not calling me back, I called them, as nothing was appearing on my Carvana dashboard. Carvana told me then I could still swap the vehicle, when I tried to they did not hold my financing terms, even though it was their mess up. Since this was the case I moved on and decided to keep the XXXX XXXX. There were still issues when my mechanic tried to call to put in their claim for repairing the rear brakes on the vehicle, Carvana told them the vehicle had been returned and wasn't owned by anyone. Once my mechanic told me this, I called Carvana. Carvana told me that my contracts had been cancelled out on the XXXX when the swap was cancelled, and that they had to rebuild my contracts- which would take 2-3 weeks. I was told I would hear from a case manager within a couple of days, I didn't get a call back from the case manager for weeks, around the third week of XXXX the case manager called me and left a voicemail. I called Carvana again to check on my contracts, and spoke with someone else in the department who was in leadership, he told me that they would get it fixed right away, and work on the contracts. Now today, XX/XX/XXXX, I have received an email stating that if it has been more than 45 days from my date of purchase that they will run my credit again and change my terms based on this. Which is absurd considering this entire situation. Mind you they also went ahead and ran my credit anyways, prior to that email, and without my authorization, which I received two emails earlier today that alerted me of that. In the entire time I had phone calls with them, no one said that my credit would be ran or my terms would be changed, because that makes no sense to do to someone. Now at this point my terms will change, and will reflect the multiple credit inquiries that I've had from Carvana and other things I have done. This should be an illegal practice, not only did I get told everything would be easy, but after they messed it up they have made no efforts to make it right and now my credit worthiness is going to take a massive hit and my terms are going to be outrageous.
Product: Credit card

In attempting to set-up Bill Pay through XXXX XXXX XXXX ( my bank ) for my Synchrony credit account, I logged-in to Synchrony 's website to obtain my Synchrony account number. I was unable to find the account number so I initiated a chat with a Synchrony representative. In the chat, the representative disclosed certain nonpublic personal information ( XXXX ) to me but refused to answer any questions about my account, citing " security purposes '' ( i.e., if I asked about my account, the representative refused to provide information but the representative provided the SAME information independently, so long as I did not ask for the information ). When I requested policy documentation outlining what XXXX would be disclosed and how it could be disclosed, I was told that customers could not view that policy. On XXXX/XXXX/15, I received a call from a representative from Synchrony who stated that he would be sending me a copy of the card agreement ; however, the card agreement does not specify when XXXX would be disclosed and how it could be disclosed.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Immediate Deletion of Inaccurate Possible Finance Account from my TransUnion Credit Report ( In Response to CFPB Complaints XXXX and XXXX ) : I am writing to address the ongoing issue regarding the inaccurate reporting of a Possible Finance account on my TransUnion credit report, in direct response to CFPB Complaints XXXX and XXXX. Despite multiple attempts to rectify this discrepancy, it is evident that a thorough and proper investigation has not been conducted by TransUnion. 
The discrepancies between the account number on my credit report and the original account number from my loan contract, as well as the mismatch in the loan opening dates, clearly indicate that the reported information is inaccurate. I have provided copies of my original loan document as evidence to support my claim. 
TransUnion 's responses to my complaints have been inadequate, and it is apparent that the investigation conducted did not address the key points raised in my dispute. This lack of attention to detail is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Furthermore, I would like to highlight that the Payment History for this account does not show any late payments. Despite this, the account is being reported as 30 days late, which is inaccurate and misleading. An account can not be reported as 30 days late with no derogatory payment history associated with it.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Violation of Section 611 : Failure to conduct a reasonable investigation of disputed information.

2. Violation of Section 623 : Failure to ensure maximum possible accuracy of consumer information.

Violations of the Truth in Lending Act ( TILA ) : 1. Violation of Disclosure Requirements : Inaccurate reporting of loan details and failure to review supporting documentation.

2. Violation of Reporting Requirements : Failure to verify the accuracy of account information and neglecting supporting documentation provided by the consumer.

I demand that TransUnion take immediate action to delete the erroneous Possible Finance account from my credit report. These violations of both the FCRA and TILA warrant the urgent removal of this inaccurate information to ensure the integrity of my credit profile.

If TransUnion fails to comply with this request and continues to violate my rights under the FCRA and TILA, I will have no choice but to seek legal action against TransUnion for these violations.

I urge TransUnion to prioritize this matter and take the necessary steps to rectify the inaccuracies promptly. I look forward to receiving confirmation of the deletion of the erroneous account from my credit report.
Product: Mortgage

I called PRMG ( Paramount Residential Mortgage Group ) on XX/XX/XXXX to request loan statements from XX/XX/XXXX through XX/XX/XXXX be faxed to title company so that I can sell the home to the other owner on the title. I was told 24-48 hours by the XX/XX/XXXX the documents were not received. I called almost everyday from XX/XX/XXXX to the XX/XX/XXXX as title company was going to drop the deal without the loan statements and proof of payment. I was told " 24 more hours '' every day I called. Finally, on XX/XX/XXXX, one week after the initial request, I was told I would have to submit a second request for the loan statement as they are not available online. 
After I submitted a second request on XX/XX/XXXX PRMG ONLY faxed the cover sheet saying " Thank you for your business '' but NO statements were faxed-only the cover sheet. I called back on XX/XX/XXXX asking them to fax the statements and not just a coversheet. I spent an hour on the phone to be told they would have to submit a THIRD order and see if they could get a hold of the employee that only faxed the coversheet to send the fax again. It is now XX/XX/XXXX and still no statements. It is my understanding that refusal to provide these documents and information is breaking code of ethics found in their mortgage violations agreement and they are required by law to provide this information in order to maintain their operating license. I will never again use PRMG for a loan.
Product: Debt collection

I mailed a dispute XX/XX/2023 to Experian the letter was recieved on XX/XX/XXXX I did not have a full acccout number for this degatory claim and no attempt to reclaim to this debt and also no notfication was sent that this debt was going to collections
Product: Debt collection

On XXXX Midland Credit Solutions deducted XXXX from my paycheck to settle a debt for a credit card balance. My information was sold to this company for a percentage without verifying to me my debt. I have tried to get this collection removed from my credit but Midland Credit refuses to remove the derogatory remarks from my file.
Product: Mortgage

Please see attached summons as proof of their negligence and storytelling abilities. I thank you for sending a timely response regarding a previous complaint, case number XXXX. I read the Banks response and they are not telling the truth when they responded that I was a third party to this matter and their claim to need more info. Deutsche issued the civil action summons docket # XXXX in person to the executrix. The summons lists me first ( as deceased XXXX XXXX 's heir ) and then XXXX XXXX as executrix XXXX 2015 for this mortgage. If i 'm a third party why am I listed first. XXXX XXXX is the servicer and they seem to be handling the foreclosure. I, along with the executrix sent proof multiple times of her role from the probate court as Executrix in order for them to talk to us. I still have n't been served only the Executrix in person. They give different fax numbers etc. The lawyers have not submitted any paperwork that was requested in our summons response.
Product: Credit card or prepaid card

I have called PenFed Credit Union three ( 3 ) times about unauthorized charges on a Visa Credit Card. Each time the Security Department representative states they will credit the charges and investigate the fraud. When I call back or, most recently, after I rec 'd my bill, I speak to the security department representative who states they have No Record of the fraudulent charges or of my call. 

My member number is XXXX my CC number ends in XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by TransUnion, XXXX, and XXXX regarding the account [ ACCOUNT # ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : TransUnion reports {$620.00}, XXXX reports {$0.00}, and XXXX reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information.

Conflicting " Date of Last Activity '' ( DLA ) : TransUnion lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ).

Missing " Closed Date '' Information : TransUnion lists the account as closed on XX/XX/XXXX, but XXXX and XXXX fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ).

Erroneous Payment History Reporting : XXXX 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting XXXX, XXXX, and XXXX lates. 

XXXX 's late payment history conflicts with XXXX 's reporting, creating additional inaccuracies.

These errors violate 611 ( a ) ( 1 ) ( A ).

Inconsistent Credit Limit Reporting : TransUnion and XXXX list a credit limit of {$600.00}, but XXXX lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ).

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

[ XXXX XXXX ] XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/2024, I sent a Hippa Validation of debt request letter to South Mississippi Collection Services. The request was to validate a debt that they have been reporting to the credit bureaus. They were given a 30-day deadline to respond. Thirty-fouXXXX days later, I received a response from them with the balance of the debt along with other alleged medical debts. This is not my first time requesting validation of this debt. The first attempt was ignored, and I never received any response. I am requesting this debt to be removed immediately in accordance with FCRA and their failure to produce validation of the debt. I will provide a copy of the certified letter that was sent to them along with a copy of their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my first complaint I told TransUnion to delete the accounts on my credit report that say included in bankruptcy because there is no bankruptcy on my credit report and now they want to do an investigation with the creditors. If the information on my credit report isnt 100 % accurate, why is Transunion breaking the law by keeping it on my credit report? On their response to my first complaint they said that accounts included in bankruptcy stay on the credit report for seven years and thats true but in my case there isnt a bankruptcy on my credit report so how can TransUnion violate what the FCRA says about a consumers credit report being 100 % accurate without any mistakes? I am so upset at the fact that this company is acting like they are above the FCRA and that they can report what ever information that they want even when the information is wrong.
Product: Credit reporting or other personal consumer reports

After careful review of my credit report this debt collection has added an account not mines to the report I have sent cease and desist to the collection asking for XXXX none of the documents has been return no further communication or harassment communications and the account needs to be removed I have now started the pre litigation process in violation of my FCRA affidavit advising this account is not mines and proof of identity issue has not been resolved I ask that you remove the account and inquiries immediately identification passport attached copy of one request I have multiple letters, and proof of address from my insurance
Product: Mortgage

Follow up on the Rushmore Loan Management Service Letter dated on XX/XX/2022 for the CFPB Case number XXXX. 

I, XXXX XXXX ( Current Owner ) have purchased the property of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, through Public Auction, I dont have any acknowledge for the property or related to the original mortgagor. I have attempted to reach out to Rushmore multi-times throughout the year till today after received the payoff letter dated on XX/XX/2022, and it has been unsuccessful due to third-party privacy. During the conversations with their CS /management team, a few of the supervisors have been hang-up my phones for few times. Finally, I can be got the direct their Foreclosure Attorney contact number XXXX XXXX XXXX this afternoon. However, the line has been disconnected. 

Based on the Payoff total amount of {$200000.00} dated on XX/XX/2022. I am paying the Property Tax, Homeowner Insurance, HOA Fee, and there has no outstanding due payment. I request Rush Loan Management Services LLC to remove the unreasonable items of 1 ) Escrow Advance Balance and 2 ) Corporate Advance Balance, so my lender XXXX XXXX XXXX XXXX XXXX XXXX  can proceed the balance payment immediately. 

I requested the Rushmore to contact me anytime at XXXX XXXX XXXX. To avoid further delay in payment processing.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXWASHINGTON, DC XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX which is the same company as XXXX which was paid off in XX/XX/2023XXXXI have lost my patience with this company placing negative information on my XX/XX/XXXX account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXXXX/XX/XXXX accepted a check from the title company on both loans they had opened in my name and one of the loans was a Forgiven Loan.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX. All three reporting companies have notified me my credit freeze had been lifted, THIS WAS NOT AUTHORIZED by me. All of my login information has been hacked. Phone number, address, email have been changed making it impossible for me to access my credit reports and place a freeze. There has been a fraud alert from my bank requiring new bank cards. I am unable to speak with any one at all three credit reporting companies. Terrible customer service to say the least! These companies are entrusted in many cases with our future finances yet have released my most vulnerable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit agencies does not have my written or verbal consent to obtain or sell my information regarding my bankruptcy file in XX/XX/2015 with the US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX. They are illegally giving out my personal information Per the Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Product: Credit reporting or other personal consumer reports

I received notice that I had an outstanding payment balance with XXXX XXXX XXXX XXXX for a loan. I informed the company that I never applied for a loan/credit account. XXXX XXXX ultimately advised that they were unable to verify my identity on the phone as was unable to assist me. When requesting documents to dispute the loan they advised those documents were only available to me through an online portal. When the online portal was accessed, it stated there was no information available to me. I remained on the phone ~3 hours to speak with the XXXX XXXX XXXX XXXX XXXX. A representative never answered the phone. I have filed a police report and contacted the credit Bureaus.
Product: Debt collection

XX/XX/2018 To whom it may concern : This is in reference to a company by the name of ARA , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, allegedly representing XXXX XXXX XXXX. XXXX is now owned by XXXX whom I contacted immediately. There is absolutely no account in my name or my deceased husband of 25 years, be it current or delinquent. ARA is attempting to collect a non-existent debt of {$8600.00} which they are willing to settle for {$1000.00}. They have communicated with me first by telephone, and then by mail. I have explained to them that this account and the charges associated with it are erroneous. They continued to call and harass me. Therefore, I have reported this to my local police department, the US Attorney General 's Office and now your office. 

Thank you for your consideration in this matter. 

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

This is my follow-up complaint 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX and XXXX I sent money on XXXX to wrong person and the bank told me once its sent its gone I couldnt get my money back Ive XXXX a XXXX dollars a couple times
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notification from CRAs that Nelnet reported my loans as being on payment moratorium due to petition for XXXX XXXX bankruptcy. They also placed an old account including derogatory payments from XXXX. This derogatory account was originally placed on my report by my previous loan servicer and was removed from my report about a week ago due to the account being too old to be on my credit report because the missed payments occurred more than 7 years ago. This is the second instance in which Nelnet has ruined my credit by reporting inaccurate information. The first time being XX/XX/XXXX at which point I had to make several phone calls to get a resolution that took more than 30 days. My loans are in repayment and have been since XXXX. Nelnet is also continuing to deduct payments via autopay while reporting delinquencies. They also initially refused my request for help instead opting to tell me to open a dispute with the credit bureaus. My credit is ruined and I am fed up with Nelnets incompetence. have kept my end of the bargain by making all payments on time. I expect Nelnet not to cause me financial harm intentionally or unintentionally. I have kept my end of the bargain by making all payments on time. I expect Nelnet not to cause me financial harm intentionally or unintentionally.