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

Based on this car being a lemon Mercedes-Benz through their attorneys, have agreed to re-purchase this vehicle however they failed to give me a date to surrender the vehicle back to them which is very unprofessional because nothing is being done in a timely fashion.
Product: Checking or savings account

I still dont have access to my funds which was supposed to be there Wednesday. I had to research online to hear about some issues but Capital One didnt tell me anything.
Product: Mortgage

When our adjustable rate increased we contacted Nationstar and asked for a HAMP. Apparently it was approved to begin trial payments XX/XX/XXXX but we never received any notification of the trial payment approval or the final modification paperwork ( sent out for signature XX/XX/XXXX ) because they were apparently sending them to our BK attorney. 

We consulted with our attorney XX/XX/XXXX and she said she mailed us the only letter she received which had copies of the originals attached and all was received by her office XX/XX/XXXX. 

We contacted Nationstar immediately and was advised to reapply for the modification. We returned all requested paperwork for the request XX/XX/XXXX and received notification last week that it was denied. We have not changed anything since the last was approved so why is it denied now? We received nothing telling of the last approval until it was too late to request an appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHAT YOU ARE ALLOWING TO BE DONE TO ME IS WRONG!!!!!!!!! 
XXXX VIOLATED MY RIGHTS/ VIOLATED MY HUMAN RESPECT/ XXXX KNOWS THEY HAVE NEVER ADDRESS THE ISSUES I COMPLAINED ABOUT. THE CFPB NEVER ADDRESS THE ONE REASON FOR MY PROBLEMS THAT AGENCY. IT LOOKS LIKE YOU ARE AWARE OF WHAT THEY ARE DOING AND YOU ALLOW THEM TO RUIN PEOPLES LIVES TO DESTRUCTION, AS THEY HAVE MINE. 
XXXX LIED ; I NEVER DID THE THINGS THEY RECORDED FOR THE WORLD TO SEE, THAT'S PUBLIC BLASPHEMY, AND THE CFPB HAS JOINED TO HELP COVER THE WRONGNESS OF THE CREDIT AGENCY THAT THEY ARE SUPPOSED TO BE REGULATING. 
THIS WHOLE MESS STING XXXX  XXXX XXXX. 
I HAVE TRIED TO FOLLOW THE METHOD OF BEING A PROPER HUMAN BEING DOING THE RIGHT THING AND YOU HAVE JUST SHUT ME DOWN. XXXX COMPANY HAS TREATED ME UNJUSTLY, UNFAIRLY AND DISRESPETFULLY. 
THE WORLD IS MY JUDGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXXXXXX ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED. 

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS! 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you  are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX.The following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX-XXXX XXXX XXXX XXXX  , XXXX, OH XXXX-XXXX XXXX XXXX XXXX  , XXXX, OH XXXX-XXXX
Product: Debt collection

Validated my privacy by calling another person on my behalf. By contacting my estranged mother she is now aware that I am in collections. This is private information.
Product: Credit reporting or other personal consumer reports

Transunion XX/XX/2023 sent me a letter stating XXXX XXXX XXXX collections as {$740.00} past due. XXXX and XXXX have both removed/closed XXXX XXXX XXXX from my credit report. Transunion is the only credit bureau currently reporting.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reporting 3 different dates account open stating account is accurate when its clearly inaccurate. XXXX reports date open XXXX. XXXX reports date open XXXX. Equifax states date open XXXX. How can these all be verified as accurate on the same account and all the open dates are different? All CRAs are clearly reporting inaccurate information and have not removed this inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$58.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion refused to remove a bankruptcy from my report that is not following the new reporting laws set as of XX/XX/XXXX. I disputed with the BBB and the only step they took was to verify that it was me. Transunion out right lied saying that it is reported on my credit report with all the information required by law which it is not! I have attached a picture of how Transunion is reporting the bankruptcy on my credit report. With the new reporting law in place millions of misrepresented and ill reported information including bankruptcies, tax liens, and civil judgments are to be removed because of the credit bureaus poor reporting practices!
Product: Credit card or prepaid card

On XX/XX/ 2022 I used my Citi Dividend Card to make a purchase from XXXX XXXX for a backordered item and was told it would ship in 6-8 weeks. On XX/XX/XXXX I began reaching out to XXXX  via email, their online chat service, XXXX XXXX and left 2 different voicemails on XX/XX/XXXX and XX/XX/XXXX. Nobody returned any calls, messages, emails, to respond to the status of my order. On XX/XX/XXXX I checked and the XXXX XXXX website was no longer working so I filed a dispute of the charge with my credit card company and explained I tried to contact the vendor but was unable to reach them to either receive an update or cancel my order and had not received the product. On XX/XX/XXXX they indicated they notified the company and that the company had 90 days to respond. On XX/XX/XXXX they rejected my dispute because they received information from the company that I made the purchase. I replied to the letter with additional attachments agreeing I made the purchase but that had not received the product and could not get ahold of the company and disputed the charge because I still did not have the product. On XX/XX/XXXX they " resolved '' my additional documentation by again rejecting my response and stating that I listed the incorrect reason for my dispute and therefore forfeited my rights to the dispute. I called and explained that my dispute didn't match any of their preset options so I picked one I thought was closest and that my selection did not change the fact that I did not receive the product and that they were supposed to protect me from this kind of fraud. They re-opened my dispute on XX/XX/XXXX then again sent a letter on XX/XX/XXXX rejecting it for lack of attachments that were provided to them on XX/XX/XXXX. I again called and they agreed to again review the details on XX/XX/XXXX. Since that call I have not received any additional responses or updates on my dispute claim, which has now been ongoing for over 4.5 months despite multiple calls, emails, and providing as much detail and supporting documentation as I have available to prove I have not received my purchase and reject the charge associated with the product not provided. I've attached the initial email from citi acknowledging the dispute and the email I sent with additional attachments but can provide all letters if needed.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Apply for a loan and wait for months to say the lender got fired and not call me to let me know and I left several messages and emails
Product: Bank account or service

RE : Reference # XXXX Complaint XXXX/XXXX/2015. Please do an extensive investigation. I checked my checking account XXXX/XXXX/2015 to find my refund from my credit company has been put into my savings account, which was suppose to go to my checking account! My credit card company does not have my savings account number nor did I give it to them, I have proof. This tells me that someone at Wells Fargo Bank is fraudulently going into my account posting transactions and taking money out. PLEASE HELP ME AND FIND OUT WHO IS DOING THIS!
Product: Debt collection

Credit Collection Services placed a debt on my report erroneously. I had an account with XXXX XXXX for renter 's insurance that started in XX/XX/2020 in should have ended bin XXXX. After the Covid 19 guidelines were lifted the company charged me for coverage I didn't know I had. I received notice about the debt on XX/XX/2020 regarding the debt and plans to report it to the credit bureaus if not paid. I then called them and settled the debt on XXXX the XXXX. After paying the debt before ten business days of being notified about it the company placed it on my credit report. I contacted the company and the supervisor stated that since me and the agent hadn't discussed anything about the debt going on my credit report he can't do anything about it. The original amount was {$170.00} and I settled it for half of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported late payments and increase of amount owed to XXXX XXXX XXXX XXXX. 
15 U.S.Code 1681a ( 2 ) ( A ) ( i ) 1681a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company. 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX. 
Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. Affiant was not given the chance to opt-out of having this reported information about XXXX XXXX XXXX XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. PLEASE NOTE THAT EACH VIOLATION IS {$1000.00} dollars if you refuse to pay total amount you will be sued in federal court for 5 times the amount along with pain and suffering due to your INCOMPETENCE in reporting the correct information.Notice, it is a fact, affiant is aware, each requirement of the FCRA which XXXX XXXX XXXX XXXX fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making XXXX XXXX XXXX XXXX liable for each consecutive reporting shown also this account has multiple billing errors that have been submitted to the company.
Product: Debt collection

The monies that the collection company is trying to collect and ruining my credit does not need to be paid back since the original company has sent me a 1099 and written this off as income.I was given an offer letter dated XX/XX/2017 ( trying to get in touch with the Headhunter to get a copy ) and nowhere on that offer letter did it state that i would have to return the relocation bonus if I didn't move forward with the job. After accepting the position I heard rumors that the company was in trouble and would be closing there doors so I decided not to move forward however the relocation monies that were given to me I had already paid out to move and get out of my current lease. The company has since closed and sent me a 1099 so i have already paid taxes on the same monies the collection company is trying to get me to pay.
Product: Mortgage

I applied to co-sign for my daughter, XXXX XXXX, for a refinancing her house loan, not a loan for myself. As part of that application process, I provided extensive personal confidential financial records ( PCFR ) to the mortgage bank. The application was almost complete, the bank asked for a document ( divorce decree from 1980 XXXX which I do not have, thus could not provide to the bank and the bank would not complete my application. I then told the bank to cancel/withdraw my application, since it could not go forward to completion. I also asked the bank to delete all of my PCFR I sent to it, since the application was withdrawn, they would be providing no services to me and I did not want their bank retaining any of my PCFR. The bank refused to honor my request, citing Section 1002.12 para 12 ( b ) ( 3 ), Withdrawn Application. I provided my PCFR in good faith. The bank is not acting in good faith in not honoring my request to delete my PCFR, i.e., the bank will not proceed with my application for an issue which is out of my control ( I can not provide a 40+ year old document I do not have ) ; the bank, thus, has not and will not provide any service to me and it will not be providing me with any funds. There is no reason why the bank should be allowed to retain my PCFR in its database. With all the hacking and violation of cyber security occurring to many businesses currently, it places my PCFR at unnecessary risk and I want them deleted from the bank 's database. That's all I am asking for. To get this done, you can contact XXXX XXXX, Account XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, GA XXXX ; email : XXXX, tel. no. XXXX.
Product: Mortgage

XXXX   XXXX   XXXX  is my client. This is attorney  XXXX   XXXX . He is married with  XXXX  children. He has  XXXX  people living in his house. It is a very humble house in a very old neighborhood. It is way  upside d own. I have applied for  three  modifications for this man with  US Bank,  and he has been turned down each time.   This time, he was turned down and the letter says he was turned down because of " discrepencies in his application. '' Then it says, if you want to know what the discrepancies are, you have to GET A SUBPOENA. This is an auto mechanic with  XXXX  children. He obviously can not afford to hire an attorney to file a lawsuit and obtain a subpoena.   Also, when you cal l US Bank, ev en if you are an attorney such as myself, and even after they verify you with the client 's home address, social security number, date of birth, and confirm that they have a signed, notarize d Power of A ttorney from the client authorizing the attorney to handle their modification, the bank insists on getting the attorney 's personal social security number or taxpayer ID number. If you do not give them your private information, which they have absolutely no need for, they hang up on you.   Help me save this man 's house and get answers to the modification effort.    XXXX   XXXX  is the borrower, I,  XXXX   XXXX , am his attorney.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH LVNV FUNDING LLC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a car company that I financed through called XXXX XXXX XXXX. To make a long story short, the car was repossessed. Shortly after I received a letter from XXXX stating the balance that I owed on the vehicle. It was strange because the letter didn't show when the vehicle was sold, what date, etc. It just had the debt that was allegedly owed. So I requested that XXXX XXXX show proof that the debt is valid by sending me the invoice of resale for the vehicle. According to XXXX  law, they have to sell the repossessed vehicle in a commercially reasonable manner. XXXX refused to send me the proof. I disputed this with all three credit bureaus. XXXX  and XXXX  removed XXXX from my report but Experian continues to report the debt inspite of my numerous disputes. Experian is now at this minute reporting that I have 38 charge-offs with XXXX XXXX XXXX. They are even reporting that I owe XXXX over XXXX more than what I paid originally for the vehicle. This is obviously inaccurate because I made payments before the repossession and they " allegedly '' sold the vehicle. So my balance wouldn't be higher. Experian is also refusing me the opportunity to dispute online claiming it is for security reasons. I dispute items online all the time with all three bureaus and never had a problem before. A year ago when I talked to a representative concerning my dispute, he refused to put my information in verbatim. He was asking me questions so he could re-word my answer. As a result my dispute was not resolved. Just recently I reported that an account by XXXX XXXX for consumer energy was paid and Experian still reported it as a debt. Bottom line this company is not doing there due diligence to investigate these claims. I believe they simply tossing a coin to waste time and then reporting it's accurate. This type of negligence should be investigated and it will not tolerated.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX