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

During XX/XX/XXXX I went into the advantage XXXX XXXX XXXX XXXX in XXXX XXXX with {$5000.00} to make a purchase for a vehicle and I work with the salesman XXXX XXXX. 

I arrived at the car dealership with myself and my two children I let him know that I wanted a new vehicle and how much I had to put down as a down payment he immediately told me there was only one vehicle that he could show me and demanded that I pay him {$2500.00} out-of-pocket through XXXX XXXX and then I paid XXXX to the dealership because that was the only way I would be able to get the vehicle. 

About 30 days later exactly the car went out. I demand it at the dealership come and pick up the vehicle from my driveway and return my money and they refused to they only offered to fix the car which they took to two or three different car shops in the car was still never truly fixed. iKn addition, it was in the shop for over four months after that it got out of the shop for about 30 days and was in the shop again for another month over the course of eight months, I was only able to physically drive the car two and fell behind drastically on the cardinal and ultimately the account was charged off and the car was repossessed. 

The vehicle in question is a XXXX XXXX XXXX I spent over {$5000.00} at the car dealership that day and the contract that was drafted up by the salesman and finance department only reflects {$3000.00} I'm demanding that this contract is null and void and this be removed from my credit immediately this dealership practiced fraudulent lending. They committed consumer fraud and this needs to be removed from my credit immediately because I'm a vulnerable buyer and I was taken advantage of.
Product: Debt collection

I received my validation of debt after receiving another customers in the mail, but I received a copy of the contract that was not signed .I do not recall living at that address in XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not updated my credit score in 5 months it still shows the same score as the last time I complained. I have paid on Time. There is civil/ constitutional rights violations going on at the government level. My score needs to be properly updated or I need civil action taken against all three credit bureaus and the government entity and its employees who are committing this crime to be prosecuted! I have the right to access my correct credit score and have the right to seek credit without being turned away due to malicious credit reporting. Im past fed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2021 Delete this account. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Mortgage

Subject : Complaint Regarding Truist Bank 's Predator Practices Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction with the predator practices employed by Truist Bank XXXX Specifically, I would like to bring to your attention the unjust reporting made by Truist Bank on my credit report regarding two late payments. I firmly believe that this reporting is inaccurate and a result of Truist Bank 's negligent actions. 

To provide you with some background, I have always been a responsible borrower and have diligently made my mortgage payments through automatic withdrawal with Truist Bank. However, in XXXX, without any prior notification via email, mail, or phone, the automatic withdrawal of my mortgage payments abruptly ceased. It was only when I noticed an excess amount in my account that I became aware of this issue. 

Concerned about the sudden halt in automatic withdrawals, I immediately contacted Truist Bank on XX/XX/XXXX to inquire about the situation. Unfortunately, the customer service representatives I spoke with were unhelpful, rude, and failed to provide any explanation as to why the automatic withdrawal had stopped. Their only solution was to waive the late fee and send me another direct withdrawal slip. 

Due to the lack of transparency and accountability displayed by Truist Bank, I have lost faith in their automatic withdrawal system. Consequently, I have taken it upon myself to manually make my mortgage payments each month to ensure that I am not subjected to any further negligence on their part.

It is deeply unjust that I am now facing negative marks on my credit report as a result of an error caused solely by Truist Bank 's failure to maintain the automatic withdrawal arrangement. I want to emphasize that I have multiple mortgages with other financial institutions, all of which are consistently paid on time without any issues. This isolated incident with Truist Bank should not tarnish my otherwise impeccable credit history.

Moreover, I believe it is crucial to highlight that Truist Bank 's actions may be indicative of predatory practices. I am now reporting their behavior to the Consumer Financial Protection Bureau ( CFPB ) to ensure that other consumers are protected from similar mistreatment. 

In light of the circumstances outlined above, I kindly request that you thoroughly investigate this matter and take immediate action to remove the negative reporting from my credit report. I have complete faith in your expertise and dedication to fair credit reporting, and I sincerely hope that you will rectify this situation promptly. Please keep me informed of the steps taken to resolve this dispute and provide me with written confirmation once the necessary corrections have been made to my credit report.

Thank you for your attention to this matter. I trust that you will address this complaint with the seriousness it deserves and take appropriate action against Truist Bank 's predator practices. 

Yours sincerely,
Product: Checking or savings account

My paycheck is typically deposited XXXX  afternoons. Capital one did not fulfill my deposit and continues to have issues a day later with no XXXX in sight for when this problem will be fixed.
Product: Debt collection

While reviewing my credit card activity online, I came across a concerning discrepancya debt collection entry attributed to Jefferson Capital Systems, purportedly stemming from an outdated account with XXXX, dated XX/XX/XXXX. It's worth noting that XXXX ceased operations back in XXXX, rendering the date invalid. All my current accounts are up to date, and the account Jefferson Capital Systems is referencing, allegedly from XXXX in XXXX, falls well beyond California 's statute of limitations on debt, which stands at 4 years according to the state 's Civil Procedure 337. 

Moreover, Jefferson Capital Systems lacks the necessary licensing to pursue collections in the state of California, as they are licensed in the state of Minnesota. According to California regulations, out-of-state agencies must hold a valid California collection license to operate within the state 's jurisdiction. 

Lastly, should this collection claim prove legitimate, I demand access to the original contract bearing my signature, substantiating any alleged debt owed to Jefferson Capital Systems.
Product: Debt or credit management

The credit of both my wife and I has been ruined. Our goal was to reduce debt going forward as we had started businesses. We reviewed debt consolidation companies and decided to go with National Debt Relief. This company is owned by XXXX XXXX, a lawyer in New York. 
NDR ( National Debt Relief ), along with Lendingpoint and XXXX XXXX XXXX have breached the contract we made with NDR. 
I am currently researching the case involving XXXX XXXX, which I believe involves the same unethical behavior. 

NDR instructed us to stop paying the 9 creditors we assigned to them for debt reduction.

I called NDR at least once a week to assess progress, and was repeatedly told to wait, and that it would take at least 6 months for us to go into default. I told the customer service reps that I was not comfortable with this timeline. I continually asked them why they couldn't begin negotiations immediately, thus reducing the overall contract length which was 54 months.
Product: Money transfer, virtual currency, or money service

XXXX XXXX from Regency Capital and XXXX XXXX ( not positive on this company name ) has been harassing me, my employees, my wife and my company. I have asked to stop calling with threatening calls, emails, to both myself but my office staff as well. I have no need for capital but this company is scaring my employees and my wife. His email is XXXX. Please help stop this type of fraud.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation that has been placed on my PayPal account, which is registered under the email address XXXX. 

I strongly believe that this limitation is the result of a misunderstanding or mistake. To the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. My account has always been in good standing, and I have been a loyal PayPal user for a significant period of time. 

I kindly request that you reconsider and re-investigate my case thoroughly. I am eager to provide any information or documentation necessary to support this appeal. I value my relationship with PayPal and the convenience it offers in my financial transactions, and I would greatly appreciate the opportunity to continue using your services. 

I understand the importance of maintaining the security and integrity of the PayPal platform, and I fully support your efforts in this regard. However, I firmly believe that my account limitation may have been the result of an error or misunderstanding. Therefore, I kindly request that you review my case and, if possible, reinstate my account. 

Thank you for your prompt attention to this matter. I am hopeful that we can resolve this issue amicably and restore my access to PayPal services.
Product: Mortgage

My mortgage company is returning my payments and did not credit a payment made in XXXX 2016, I had tried to refinance from a HAMP loan to a HARP loan and found a credit card judgement set against me and a lien placed on my home. The credit card debt is n't even mine. I am now in default on my mortgage because they are returning my payments and are accessing late fees, they want all payments up to date plus late fees. First, I thought it was illegal to place a credit card lien on a HAMP loan, is that true?
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account XXXX : XXXX Account Name : XXXX. XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

As I am a XXXX XXXX XXXX XXXX XXXX  holder, I opened an NFL Visa card with Comenity Bank due to their preferential zero-interest terms for XXXXXXXX XXXX XXXXXXXX. Comenity 's terms and conditions specify that " special financing '' applies for XXXX XXXX XXXX of {$250.00} or more made at XXXX Team Ticket Offices, XXXX, XXXX, and XXXX with your NFL Extra Points Visa Credit Card ''. In addition to special financing, previously mentioned purchases are eligible for XXXX XXXX  rewards rate as opposed to the normal XXXX XXXX rewards rate. 

On XX/XX/2022, I paid for my XXXX XXXX XXXX XXXX tickets of {$3500.00} directly through the XXXX XXXX XXXX XXXX. The listed vendor on my statement was XXXX XXXX XXXX XXXX XXXX XXXX a clear indication that the above conditions were specified. However, I was assessed interest charges as well as received the normal XXXX XXXX  rewards rate rather than the XXXX XXXX rewards rate. I was assessed a {$45.00} interest charge on XX/XX/2022 and a {$31.00} interest charge on XX/XX/2022. 

I have attempted to contact Comenity Bank through their secure message portal and by phone. Comenity Bank has had " system updates '' that have had their listed phone number be no longer in service and " high call volume '' that have caused multiple phone calls to have over an hour of waittime without reaching a representative. I have been unsuccessful in contacting Comenity Bank to find a resolution to the above issues.
Product: Mortgage

I have been trying to refinance my XXXX Mortgage, this was an interest only loan from XX/XX/XXXX that went to a 6 month ARM. the value is finaly such that I have enough equity to refinance. The process was started on XX/XX/XXXX. I also have a XXXX mortgage that must be subordinated through Select Portfolio Services. All requested documents were sent by me within days of request. both companies have dropped the ball on loan processing. the XXXX lien holder took XXXX ; 30 days to complete the subordination agreement. When it was sent back to them for signature, they said it did not match the good faith. When it was corrected and sent back for signature, the signature line was incorrect!!! Now for the XXXX time the subordination agreement is with them to be completed and they are still dragging their feet. this was to refi my ARM to a fixed rate loan lowering my payment by over a {$1000.00} per month. To get either company moving I keep escalating my complaints but they both are so incompetent. They are happy to take my payment on time each month for the last 10 years of course when I refinance, they will make less money. Not sure if there is anything you can do about this issue.
Product: Debt collection

Identity Theft Account Name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 | may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

FCRA Violation : This misreporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires furnishers of information to provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX are showing inaccurate information on my credit file a XXXX XXXX auto loan, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

Called Wells Fargo requesting information on a charge to my account had the agent be very rude. Over talk me and hang up in my face on XX/XX/23 around XXXX. I never got the information on why a dispute was denied because of rude  XXXX  agent.
Product: Debt collection

I have disputed this account many times with XXXX the credit agencies and with Capio Partners. The credit agencies stated that Capio Partners verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Capio Partners and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I froze our credit back in 2017 after the widely reported data breach. We were easily able to unfreeze XXXX and XXXX, but trying to get XXXX to unfreeze has been incredibly complicated. 

We try to reset our PINs, but the PINs they provide don't work for the online service. It is impossible to talk to a human on their customer service team. Their offices are open XXXX on M-F and my wife and I are both working right now. She's a XXXX  and does not have 30 minutes during the work day to sit on the phone with someone. During the COVID pandemic, they're still suggesting mailing several documents as the best approach. We don't have access to all the documents they suggest so we'd have to find a place to go and print which would violate our shelter in place guidelines. 

They are unable to verify my identity despite me entering all of the correct information online.
Product: Money transfer, virtual currency, or money service

USAA and Navy Federal both were able to allow fraudulent activity to occur regarding my account, I believe that it started with a phone call I made to USAA in an attempt to transfer money from both institutions and the person who answered the call proceeded with the usually verification questions of which I answered correctly and the individual at the end of the call called me and expletive after telling me thank you for being a valued customer and saying that they got me and my money. Long story short they were able to retrieve funds from both accounts.
Product: Debt collection

I am a victim of id theft which i sent to the credit bureaus a copy of police report and a ftc report.
Product: Credit card or prepaid card

I see that you have similar complaints over bills for purchases not made. I have been hassled for payment. I asked a bill with the alleged purchases made. I was told purchases were made in the last 3 months for a card I never activated. 

I have received the bill but no detail listing of charges as requested. I can not access the account on line.