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

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX. The vehicle was XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. 
Upon purchase, I did do a test drive, but I requested to take the vehicle in for a inspection and informed the salesman that I would be doing so that day and was told because someone had stolen a vehicle that I was unable to drive the vehicle so far away for the inspection. 
I signed a as is no dealer warranty buyers guide but was in fact given a dealer warranty and the dealer is refusing to make the repairs needed to the vehicle. The vehicle was sold to me without a Catalytic Converter and just a straight pipe and was totaled out in a accident in XXXX and I was not made aware of that at the time of sale. I took the vehicle to be inspected also my insurance company had the vehicle inspected by a third party and everyone has come to the same conclusion that I was sold a lemon vehicle. I haven't reached out to XXXX XXXX XXXX because I'm afraid to be intimidated by them. I need help with this issue please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 



In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX ). XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Mortgage Companies XXXX Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions.

15 U.S.C 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 15 U.S.C 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

To date I have not received satisfaction from the complaint I filed about XXXX XXXX, LoanCare LLC, XXXX and XXXX. Although I have filed disputes with all prior to filing a complaint with the CFPB. I have also filed twice with the CFPB complaint about the situation. The problem is that my mortgage is not being reported by the credit bureaus. LoanCare assured me they were reporting to the credit bureaus monthly. XXXX XXXX assures me they are reporting what the credit bureaus report to them. The credit bureaus don't even list my current mortgage! XXXX had it on their report but the amount owed was incorrect and they had not updated the information in over a year. The only result I got from all my disputes and complaints was that XXXX completely dropped my mortgage debt from their report. Even though it was the incorrect information at least it was showing on their report. When they dropped my mortgage from their report my credit score dropped! I have since written letters to all concerned and mailed them return receipt requested registered mail. I asked that the mortgage lender send written notification to the credit bureaus and send me a copy. My next complaint will have a copy of my most recent mortgage statement and hopefully the copy of the letter provided by my lender advising the credit bureaus of my mortgage debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and FREEDOM MORTGAGE pulled my credit twice without my authorization. 
my attempts to contact them to have the hard pulls taken off have failed. 
i now have some of my personal information stolen on the dark web. 
i dont know if it was because of them or something else. 
but the credit pulls, i want taken off. i did not authorize that. 
the phone numbers listed for XXXX and FREEDOM MORTGAGE on XXXX  are XXXX and XXXX. 
i did a scan with XXXX XXXX from XXXX and XXXX and found out my personal info has been stolen. i also called XXXX about this and they sent me to XXXX which i didnt know is in XXXX, because of the language barrier and understanding, they werent able to help me to find out who stole my information. I use XXXX, XXXX, XXXX, XXXX, and my place of employment got ransomware attacked, so i have no idea where the theft occured and what to do. no one can help. this all didnt start until XXXX and FREEDOM MORTGAGE pulled my credit without me authorizing it. I have received 2 robocalls since then threatening my arrest and for me to leave work immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They call restricted or different numbers at any time day. All I know is that its ARS collection agency. I really dont know much about my case so I dont know if this is real or a scam. But they call at any given time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following phone numbers have attacked me with a phishing scam : XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX. 
( XXXX ) XXXX sent a text message to my phone, ( XXXX ) XXXX Saturday, XX/XX/XXXX at XXXX XXXX  CST with the following text : " BACKGROUND CHECK NOTICE - Someone Ran One On You, 0n Fri XX/XX/XXXX. Find Out Who ; XXXX  : XXXX '' I opened this link on a sandboxed computer ( no personal info on it ), and it was a phishing scam asking for me to put in more personal information. 
Next, ( XXXX ) XXXX sent a text message to my phone ( XXXX ) XXXX on Sunday, XX/XX/XXXX at XXXX XXXX  CST with the following text : " Re  ; EQUIFAX Has Flagged Your Account For Unusual Activity ... Please Handle ; XXXX  : XXXX '' Please investigate into the owner ( s ) of these phone numbers and website domains. This is targeted harassment, and I am worried that there is nothing I can do. Blocking them is futile, because they keep changing their phone number.
Product: Debt collection

Company : 11 XXXX and Source Reviewable Management Debt : {$400.00} Violation : This debt is no longer my obligation under federal law18 USC 8. The company XXXX has forwarded this debt to a debt collector without my consent.
Product: Debt collection

Yes, the credit dept say the company ask them to keep the fraud on my report in have me company them i have contact them a number of times in this has n't not been remove from my credit file which makes this more outrageous is i have been on XXXX since i was born in XXXX and XXXX both pay all my health care bills on by somebody use my name in a fraud this bill was n't pay for but the collection agent trying force me to pay something that was n't done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

We are filing a complaint due to inaccurate late payments showing on our credit report from our mortgage company, XXXX  XXXX ( XXXX XXXX XXXX  ). Details for this complaint are as follows : In XXXX of XXXX we contacted our Mortgage company XXXX XXXX ( XXXX XXXX XXXX ) to inform them of some financial difficulties we were having and that we were unable to make our XXXX Mortgage and wanted to know if there were any options to defer our payment. They informed us that they did not offer any type of deferment options and that we would need to call back after the XXXX of the month for any options they had for a late payment. We then called them the XXXX week of XXXX and were told the best option would be a loan modification which would defer 3 payments on the loan if the terms of the modification were approved and completed as agreed. The representative informed us that these payments would not be listed as late as long as the terms were met, we completed the application process on XX/XX/XXXX and they were received via secured download on XX/XX/XXXX. The completed package acknowledgement was sent to us on XX/XX/XXXX and our trial modification plan was sent on XX/XX/XXXX detailing the terms of the flex modification which had {$1600.00} due on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX for the 3 trial payments for the modification to be approved. XXXX XXXX received the XXXX payment for XXXX on XX/XX/XXXX, the second payment for XXXX on XX/XX/XXXX ( this payment was sent on XX/XX/XXXX but not recorded on their end until the XXXX ) and the final payment for XXXX was received on XX/XX/XXXX. The three payments listed prior kept us well within the terms of the modification and our first actual payment for the new modified loan ( starting in XXXX ) was received on XX/XX/XXXX. 
Aim Loan has reported us late 7 times since this began, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This is not at all true, we are requesting you to investigate and correct our credit report with the correct information. We do have detailed documentation to support our complaint and will provide upon your request.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

My loan was previously with XXXX XXXX. I went on forbearance in XX/XX/XXXX when I had to go on medical disability. XXXX XXXX sold my loan as a result of this. Select Portfolio Servicing is now servicing my loan. When I try to make an online payment the automated system does not work. It asks for last four of social security number and # sign. When I do this, it is recognized, and they hang up. 

I wrote a letter on XX/XX/XXXX, regarding my mortgage and escrow. I received a letter from Select Portfolio Servicing stating my Homeowners Assistance Fund had been closed. I have no idea what that means. The overpayment of my homeowner 's insurance was not addressed. 

I explained to XXXX XXXX that my homeowners insurance had never lapsed and I sent proof. I explained to them that I was not able to send the proof earlier because I had been sick and hospitalized numerous times. They told me once I sent the proof my mortgage would be adjusted. My original payment was {$1200.00}. Due to them adding and additional amount for the insurance made my mortgage payment my mortgage was {$1200.00}. I have been paying {$1200.00} for 12 months. I believe I should be refunded the e overage paid on my homeowners insurance. 

In XX/XX/XXXX I had to go on disability due to health issues. At that time I went into forbearance for XXXX months because I wasnt receiving any income. I was not able to pay my taxes in XX/XX/XXXX. I applied for assistance and was approved. The following payments were made on my behalf. 

{$1900.00} {$1200.00} = {$720.00} additional. I called and was told the additional amount is due to escrow. If the escrow is only {$370.00} where is the additional {$350.00} coming from? This makes no sense to me. The following payments were made on my behalf. 

Date XX/XX/XXXX 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 I would like to know how much the escrow on my XXXX taxes is short and if I will be given a refund for the homeowners shortage since my insurance had never lapsed. I also want to know why I am still being charged for the escrow if there is no shortage. 

I do not want this company collecting mortgage payments. Apparently, there are serious errors that affect my mortgage payments which is not fair to me. I would like my mortgage to show the correct amount due each month. 

I am writing the XXXX XXXX XXXX and the mortgage company ( XXXX XXXX ) to see if they can find a solution. 

As a result of the servicer escrowing my account, I am unable to pay the {$1200.00} online. I have to pay the {$1900.00}. I was told the breakdown was XXXX mortgage, XXXX escrow and {$350.00} escrow shortage. My online statement states there is no shortage so who am I still required to pay {$1900.00}? 

When I try to the SPS, I am told to enter the last XXXX of my social security and # to speak to someone. I continue to enter the last XXXX and # and I get the system did not receive a response no matter how many times I enter it. 

I would like my mortgage account audited to have the correct amount due.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This is a personal Delta American Express charge card. I am a 30 year customer with American Express. I suddenly, without notice or warning have noted that " Charging Privileges Have Been Suspended ''. The card is current, with no money owed. This notice is only available online and I never received ANY written advice of this action. My account is not " paperless ''. At the phone number provided to call for information, after nearly an hour on the phone THREE TIMES, no explanation was ever provided and I was advised I " would be contacted '' to explain the ( lack of ) issue. I was never contacted. I had accumulated miles points on the card that I can not access and my charge privileges have been suspended. I am unable to obtain any information.
Product: Credit reporting, credit repair services, 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 BANK XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX Bank Of America closed my checking and savings account out of nowhere and have been holding my money since that day. my rent and utilities are over due because they wont release my funds to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX, Acct Number XXXX, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a thorough review of my credit report and identified several fraudulent accounts that have been mistakenly attributed to my name. These inaccuracies are unjustly affecting my credit standing and impeding my ability to obtain credit.

I kindly request your assistance in promptly removing these fraudulent accounts. I am confident that you will take the necessary steps to rectify this issue in a timely manner.

Thank you for your immediate attention to this matter. I look
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.