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

So this company stated to me over the phone multiple times that I would not pay as much as the loan would be since they can sell the car in an auction and I would a lower amount, I had call spoke to XXXX which she was the one who sent me a letter because I was getting tickets in the mail. XXXX also told the courts they had no current address or info for me. When its clearly written on the loan. I had called so many times asking them to pull up the calls that i made for the recordings and they refused too. They didn't want to help. They sent a levy and the address is where i had lived at before the date on the court docs about XXXX years before. Then they said they served me but I used to live there but at that moment of the year 2020 i had moved out of the XXXX XXXX XXXX and was homeless at the time staying house to house until I moved in with my grandma who I helped paid a closing cost payment on the current house I live in now. I do have a copy of the check with my name on it. They keep posting on my credit R for each month and this is going to make no one want to work with me on a new home loan or car loan or just anything in general. They are ruining my life at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from i recently became aware of. My name is XXXX XXXX and I have no recollection of this account i have not recieved any goods or services either. This is not my account i have never recieved any correspondence in by mail for this account. I am reporting this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the fair credit reporting act, XXXX  account # XXXX and account # XXXX has violated my rights 15 USC 1681 604 A states that I have the right to privacy 15 USC 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns I can be reached at XXXX XXXX XXXX
Product: Mortgage

To whom it may concern,I am currently in the process of buying my first home through Fifth Third Mortgage Company in Michigan. My purchase agreement was completed and was sent to the processor on XX/XX/XXXX. We all agreed that closing would take place the last week of XXXX on the purchase agreement and through email due to me going out of the country starting on XX/XX/XXXX. During this process the processer requested for an insurance quote. He also sent me over documents to sign that had the wrong purchase price and wrong purchaser name. I sent emails stating this needed to be fixed on the XXXX. After no response after three days, I called stating the mix up where I was told to sign the documents to meet closing time, even though they were incorrect. I called my lender and told him the issue I had with the processor instructions in which he told me to mark off the incorrect areas and write the correct purchase price and my correct name on the document with initials next to those areas. I then received a call on XX/XX/XXXX from the lender stating that I need Home insurance to close. I proceeded to tell my lender that I sent two different insurance quote stating which one was cheaper to the processor a week ago. My lender told me that I actually need to buy Home insurance that day and that the processor is on vacation until next year and we might be able to close XX/XX/XXXX.I received a call today stating that the title transfer might take longer and that they never received verification from my employer. I sent an email stating why was I not informed because I could have got my company to sign off on this before the holiday break. I now have to call my boss during the holiday break to get him to sign off. They have also now informed me that I will need to get a power of attorney for someone else to sign off on MY FIRST HOME since I will be out of the country.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX  XXXX XXXX  XXXX {$5400.00} XXXX  XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXX {$7200.00} XXXX  XXXX XXXX  XXXX {$7300.00} XXXX XXXX {$4000.00}
Product: Credit reporting

I notified Equifax in regards to information that is not accurate on my report. I have written to Equifax XXXX times over this issue. I was in dispute against XXXX until I received a cancellation. I did not receive an involuntary repossession, this was a disputed account.
Product: Checking or savings account

I use XXXX XXXX to access my paycheck earlier when I need to. However access to my current amount in my checking account is slow and can in some cases hinder my ability to get money when I need it. It would be best if access was instant so my current balance is always up to date.
Product: Checking or savings account

I LOST MY WALLET AND INSIDE THE WALLET, I HAD MY BANK CARDS AND DRIVING LICENSE, SOMEONE USED MY LOST DEBIT CARD TO MAKE PURCHASE IN XXXX WHILE I WAS STILL IN THE USA, WHEN I SAW THE UNAUTHORIZED TRANSACTION ON XX/XX/year>, I IMMEDIATELY CALLED THE CHASE BANK TO FILE A FRAUD CLAIM BUT THE BANK IS UNWILLING TO RECOVER MY FUNDS FROM THE UNAUTHORIZED TRANSACTION. CHASE BANK HAD NEVER SENT ME ANY NOTIFICATION TO VERIFY THIS CHARGE FOR {$5000.00}. I CONTACTED MY LOCAL POLICE STATION AND THEY FILED A FRAUD REPORT FOR THIS INCIDENT. I HAVE PROVIDED THE POLICE REPORTS AND OTHER SUPPORTING DOCUMENTS TO CHASE BANK TO RECONSIDER THE CLAIM BUT THEY ARE UNWILLING TO REOPEN THE CLAIM. THEY ARE NOT HELPING ME TO RECOVER MY FUNDS FROM FROM THE UNAUTHORIZED CHARGE.
Product: Credit card

Citi has consistently placed fraud alerts on my citi XXXX XXXX. When I called to verify my identify this time they asked for my checking account information, which I was not comfortable providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX Account : # XXXX XXXX XXXX XXXX XXXX is reporting XXXX late payments on an account that is now closed and paid in full on my XXXX and Tranunion Credit Reports. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX is in clear violation of 15 USC 1681b under the FAIR CREDIT REPORTING ACT.I have written XXXX XXXX XXXX  XXXX to inform them and the items remain currently as they have not abided by the Laws expressed in the Fair Credit Reporting Act.
Product: Prepaid card

I purchased an American Express gift card for my son for {$150.00}. We registered the gift card and then tried to buy items from XXXX, but the payments were declined three times due to the card not working. The next morning, we called American Express to get some help resolving the issue, but they said there were no refunds but each time it was 10 cents deducted, and it was our fault the gift card wasn't working, even though we had registered it. 
Called again and re-registered on the AMEX website. Still not working, I tried to use it at the XXXX store for purchases, but again card was declined due to a registration issue from the XXXX XXXX website. but charged XXXX cents for trying. 
Called AMEX again was put on hold and then hung up, XXXX said it wasn't the card but the merchant.
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXX XXXX ( XXXX  ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy A, XXXX has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I MAILED " CREDIT COLLECTION SERVICES '' XXXX @ XXXX, 2021 THEY RECEIVED MY DISPUTE. 

DATA FURNISHER FAILED TO MARK ACCOUNT AS DISPUTE AND FAILED TO RESPOND TO MY DELETION REQUEST IN A TIMELY FASHION. THEY ARE REPORTING TWO DIFFERENT OPEN DATES, HOW IS THAT EVEN POSSIBLE? I ONLY HAD 1 ACCOUNT. ONE BUREAU IS REPORTING OPEN ACCOUNT STATUS THE OTHER IS REPORTING CLOSED ACCT STATUS. PLEASE DELETE BECAUSE OF INACCURATE REPORTING AND VIOLATION OF 15 U.S. Code 1681e
Product: Checking or savings account

The private client group closed XXXX of my accounts, which was linked to my other accounts, without notifying me and sent the balance to XXXX XXXX XXXX XXXX XXXX. Thus far, I have been unable to locate the funds through unclaimed funds. The banker blamed the back office for the fact I was not notified this was going to happen and the fact they did not move the funds to my other active accounts and instead sent them to unclaimed funds.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft and I have been sending my information to the credit bureaus, including my IDs and my law enforcement reports for months and they have not wrote me back at all. It has been way past the 30 days by law. I know this is illegal and I really need assistance with this. All of this information is fraudulent : XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My repeated efforts to resolve the issue of fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has inflicted significant mental and financial strain. As an identity theft victim, I'm compelled to consider legal action if this matter isn't properly addressed. These inaccurate and fraudulent entries have prevented me from purchasing my dream home and meeting my family 's needs, severely impacting my financial stability. I've attached a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and seeking resolution.
Product: Debt collection

on XX/XX/2021, I sent some letters to s.o.s group dba head mercantile co about some alleged debts of XXXX, and XXXX that I don't owe. i request the validity of the alleged debts and as of XX/XX/2021, they haven't responded to my request. SOS GROUP sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter on XX/XX/2021 requesting the validity of the alleged debts of XXXX, and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOS GROUP has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, but they also failed to send it within 5 days. As you can see the date was XXXX and today is XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed XXXX XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : {XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX
Product: Money transfer, virtual currency, or money service

It was on XX/XX/XXXX, around XXXX XXXX, at XXXX XXXX, XXXX XXXX ATM. It was my first time putting money in my card, so I didn't know that certain ATMs were made for certain cards. I imported {$740.00} CASH. The machine got jammed and never gave my money back. They said they'd give my receipt back, but it didn't. The machine also shut down ( I have a photo of proof ). It gave me back my money, but not my card or receipt. I think my school has CCTV, so the bank can easily check, but they didn't. I called the XXXX XXXX  ( my card bank ) and the school 's first bank ( the machine ). I spoke to multiple people. They said I could send an e-mail for a dispute, which wasn't able to be delivered. They told me the ATM number was XXXX. That's about it. They said they would file a claim. I called multiple workers and they didn't do anything about it.
Product: Consumer Loan

In 2012 I took a car loan of {$18000.00} with Santander Bank after 4 years I still own {$15000.00}. I made XXXX payments of {$450.00} a moth and all my payments goes to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ; If Equifax and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Equifax and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

False claim for debt was submitted to XXXX XXXX XXXX XXXX XXXX Maryland XXXX Inc. located at XXXX XXXX XXXX XXXX XXXX, COXXXX. The Agency ID # XXXX. Claim was made that the debt is long overdue. The agency calls constantly and harrasses us for a debt we do not owe. The alleged amount is {$290.00}. We have disputed this claim repeatedly.
Product: Checking or savings account

I opened a new checking account at the XXXX XXXX XXXX of Chase in XXXX, KY on XXXX XXXX for {$12000.00}. As of XX/XX/2021, none of my funds are available and the Chase representative said I didn't have any deposits pending. As of XX/XX/2021, it has been 11 business days since I deposited the check for {$12000.00}. I have a receipt for the deposit. I spoke with a representative of the bank over the phone ad she said I had {$0.00} available and if I was unhappy with being a Chase customer, I was free to clo se my account at any time, but I would't receive any funds because I had an account balance of XXXX. I want to close my account but not if it means the loss of my {$12000.00}.
Product: Mortgage

In XXXX we put our loan into forbearance. It was for just a few months. In XXXX of XXXX Freedom Mortgage asked for the normal payment plus the additional amount that we had in forbearance of {$10000.00}. The statement was showing a balance of {$340000.00} which I believe included the forbearance amount. We had an interest rate of 3.125 % on a XXXX fixed conventional mortgage. We purchased the home in XXXX and put 20 % down. Without Escrow/Impounds our payment on our XX/XX/XXXX statement was {$630.00} to principal and {$890.00} to interest for a total of {$1500.00}. We called Freedom Mortgage and said we were not in a position to pay back the lump sum of {$8300.00}. They said that was fine they would just do a loan modification and put it on the end of my loan, but our interest rate would increase to 5 %. I said no I do not want my interest rate to go up. They indicated that this was my only option if I could not give them the forbearance amount. I reluctantly signed the paperwork because I was led to believe that they were doing this in my best interest so they wouldn't take my house. I just applied for a Home Equity Line of Credit, and I was denied because they said I had a {$79000.00} second mortgage. After more investigation I have found that to keep my payment the same at a higher interest rate. They moved {$79000.00} to the end of the loan and pushed my mortgage out another XXXX XXXX and now my payments are per XX/XX/XXXX statement {$370.00} to principal and {$1100.00} to interest for a total of {$1500.00}. When I called last week they said, '' yeah but the $ XXXX is interest free ''. {$340000.00} X 3.125 % X XXXX  XXXX  = {$300000.00} in interest. {$340000.00} - {$79000.00} = {$260000.00} x 5 % x XXXX XXXX  = {$400000.00} in interest. For $ XXXX forbearance and a monthly savings of {$7.00} they convinced me to sign documents so they could earn another $ XXXX in interest. The $ XXXX being interest free is irrelevant they took advantage of us and now I don't know what to do. I may be forced to sell the house I love to get out from under this mess. We are in our XXXX this was to be our retirement home. My husband is terminally ill, and you can see by the current statement I am struggling to stay on top of everything. I need the line of credit for a debt consolidation so I can make the mortgage payment on time. I have paid late but never over 30 days. Please help what can I do??
Product: Money transfer, virtual currency, or money service

I was trying to purchase goods from a seller. XX/XX/year> I made a deposit via zelle on an agreed upon in the amount of {$200.00}. After making the deposit and arranging for pick up of the items, I was asked for a larger amount of money for the items to be held. I became suspicious due to the context of our conversations and then was told I could not get my deposit back and needed to give more money for the items to be held until the pick up date. They then stopped responding to my texts and calls. 
I contacted the bank and let them know what took place and have the proof of text messages. And they are no longer responding. I never received the items. 
The bank claimed they investigated. And denied my claim but I never got a call asking for any evidence of the fraud/scam I told them I can provide. It was acknowledged it was a scam over the phone. Bait and switch. But said Im not entitled to receive my funds back.