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

I was sold a XXXX in XX/XX/2019 with Credit Acceptance & was told at the time that my card I was using through my work was an acceptable card to pay my loan. I set up auto payments & went about my business. Well 2 months later Im getting phone calls that my car is now two months behind on payments. Which my monthly payments were just over {$600.00}. So now they're telling me I already owe over {$1200.00}. I argued with them that i was on automatic payments & that there is no way im already behind. they said that the card i had on file wasn't a real bank card & they can't pull payments from it. So now they're asking me to come up with {$1200.00} on the spot plus my next payment that's going to be due. No one called when my first months payment didn't go through nor when my second. They were calling me when it was about to be my third month. The card I had at the time wasnt set up to be able to see what was being withdrew so I had no idea. They end up repossessing my vehicle & putting a repossession on mine & my gf 's credit score. & that is now on their for the next 7 years. They keep trying to collect money from me & even took my state tax returns. This company is HUGE SCAM & will do whatever it takes to get money out of you. They will ruin your score & any chance of actually getting a decent vehicle or even buying a home. All because someone couldn't give me a heads up that my card I was using they actually didn't accept like they had originally said & now I have to deal with the consequences for who knows how long. I want my justice & for my name, my now fiancee 's name & both of our scores to be cleared of the repossession that never should have taken place
Product: Credit card

Discover card open during a XXXX month arrest ex husband decided to charge up my credit and used my name and social security for fraud. enclosed is documentation been fight this company for XXXX years.
Product: Checking or savings account

I have been attempting to close my SoFi invest account and SoFi cXXXX XXXX account, and terminate my banking relationship with SoFi entirely. I have already withdrawn all my money from the account. On or about XX/XX/XXXX, I first requested to close my account, at which point SoFi said my account is " under investigation '' and " may be closed after the investigation completes ''. 

Due to implementation issues in SoFi 's system, the account has approximately {$0.00} balance, which might be a reason why it can not be closed in a normal way. 

After dragging on for a year, on XX/XX/XXXX, I once again reach out to SoFi and requested to close my account, and expressed my consent for giving up the balance, in exchange for terminating my banking relationship with them entirely ( I do not want any relationship with this company ). The agent still refer to " the investigation '' and refuse to close my account, and does not provide me with any timeline regarding when the account can be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I may presume that no hard proof of the allied debt, nor therefore any such debt, in fact exists for accounts : XXXX CARD : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$1700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$4700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account ( WELLS FARGO BANK XXXX ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ( WELLS FARGO BANK XXXX ) was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX
Product: Mortgage

Way back in XXXX, 2023, my realtor and short sale coordinator submitted a short sale request to freedom mortgage. They deny ever getting the request. 

I filed for bankruptcy hoping to get some relief. It temporarily stopped the foreclosure in may and moved it to XXXX. The bankruptcy was dismissed because of an clerical error that the judge blamed on me. Anyways, so we again, submitted the short sale offer to freedom in XXXX. At which point they agreed to delay sale to review. A few months went by and we changed short sale coordinators to use first title integrity at which point we needed to get them approved on my account to speak about the short sale. 

I personally had to call freedom and beg to postpone the foreclosure again because for some reason they were not responding to the short sale offer. Finally after having first integrity approved to discuss my account with freedom, XXXX said they never received a short sale offer and/or the loss mitigation forms and such. Weird right. 

So they said they would review within XXXX weeks. That was a lie, it took them a lot longer to review. Finally just last week they came back and said they would need one of the liens on the house to be paid off before they would review the short sale. 

So we came back and said the buyer would be willing to pay off the XXXX, but they would like this in writing that the bank would accept the short sale if the XXXX was paid. 

What was freedoms response? They will not reschedule the foreclosure this time which is within XXXX hours. They gave us an offer and XXXX time to enact on the offer. This has been the hardest bank to deal with. Its an FHA loan, their money is protected either way. They should be begging us to do the short sale so they get most of their money back plus the interest paid over the last 8 years. 

Poor communication on their end and it took them 3 months to pull title records. Now they want to auction my house under me while we have an offer in place that they legally should review but are refusing to.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED XXXX Balance Owed : {$5500.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$9200.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$4500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

US DEPT ED XXXX Balance Owed : {$4200.00} - Balance and payment history is Incorrect please remove immediately. 

US DEPT ED XXXX Balance Owed : {$9700.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$5400.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$1200.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX JUST DELETE THIS WRONG INFORMATION ON MY CREDIT FILE THAT U HAVE  FAIL TO CALL AND VERIFY ANY INFORMATION IS CORRECT. 

FUTHER MORE YOU ARE SUPPOSE TO PROVIDE ME PRROF AND YOU HAVEN'T AND I BEEN WAITING FOR A LONG TIME ITS BEEN 85 DAYS SINCE I SENT U A LETTER AND YOU THREW MY LETTER IN THE TRASH AND OUT THE WINDOW.. 

THATS ALARMING FOR A COMPANY TO PROMOTE NEGATIVE BEHAVIOR AND INFORMATION ON MY CREDIT REPORT.. 

I HAVE ATTACHED SOME FILES THAT I HAVE SEND TO YOU ON XX/XX/XXXX. AND XX/XX/XXXX .. no response from Equifax at all .. 

JUST DO THE RIGHT THING AND DELETE THE INFORMATION MAKE SINCE U NEVER CALL OR EVEN GAVE name and number of the person I call I ask you several times and you told me no iam not telling u anything.. 

By law you are supooe to make sure my credit file is 100 % with zero error Well here some u forgot fix these  errors ..
Product: Credit card

I have a store credit card with Raymourn Flannigan through TD Bank. Back in XXXX they changed their online platform which has required I call into their customer service number to login or make a payment on the phone. I have made XXXX attempts to contact them, all with log hold times. Today waited on hold for over an XXXX and XXXX minutes and no one picked up. I have no other way to pay my bill.
Product: Mortgage

I have been trying to get a loan modification and the servicer, Mr. Cooper, has been giving me the runaround. I've had to send the same documents over and over. Now, they are saying they have the documents, however, they can't do anything because the sale date is now less than 37 days away. Mr. Cooper started asking for proof of occupancy. I have given them utility bill 's, tax returns, bank statements. Then they asked for a luxury bill, I don't know why a luxury bill would be better than all of the above mentioned items. Nevertheless, I provided it. Please help me save my home. I've done and provided everything I was asked for in a timely manner. 

Thank your for your help. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my concern regarding the permanent limitation placed on my PayPal account. I believe this limitation may have been imposed by mistake, as I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I kindly request that you re-investigate my case and consider restoring my account, if possible. I have always been a law-abiding and responsible user of PayPal, and I have utilized the platform for various legitimate transactions without any issues in the past. 

Given the importance of my PayPal account for my online activities, I am deeply concerned about the inconvenience and limitations that this restriction has caused. I would greatly appreciate it if you could expedite the review process and provide a timely resolution to this matter. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request that you keep me updated on the progress of the investigation and provide any additional information or documentation you may require from my end to assist in the resolution process. 

Thank you for your attention to this matter. I trust in PayPal 's commitment to fairness and professionalism, and I remain hopeful that you will reconsider the limitation placed on my account based on the information provided.
Product: Checking or savings account

XXXX Bank did not inform me that my card was being used in California. never been there before that shouldve been a red flag XXXX XX/XX/XXXX till XX/XX/XXXX a total of {$21000.00} whats taken from my account. I was given back {$2300.00} of my money, all of the rest was denied.
Product: Debt collection

In the Summer of 2016, I moved away from Louisiana and settled all my debts. My cable company, XXXX XXXX, made a mistake in billing and charged me extra for services. It took me months, but I was finally able to have them tell me that my account was closed and I owed nothing. 

For the past three years, I've been battling them. They now say they never told me my account was closed, and say that I owe them {$120.00} in charges. They have harassed me many times about a debt that I do not owe, and their own customer service people told me that I do not owe them money. 

They then forwarded this debt to Afni, a debt collection company. I have sent them letters on multiple occasions explaining the situation, and they still harass me about this debt. It is affecting my credit, and I 100 % do NOT owe this money. I would like this false debt taken off of my credit report and for Afni and  XXXX XXXX to cease their 3 year long harassment of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX XXXX customer sinceXX/XX/XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.
Product: Checking or savings account

Wells Fargo closed XXXX of my XXXX plus accounts I have with them because they said i don't have a physical address with them ( which i did ). They then sent a check for {$8600.00} to my physical address! I don't get mail at my physical address. i have called them multiple times spending hours on the phone. I asked for a XXXX to call me, which they said they would have someone call me within XXXX hours, which of course i never got the call. It's been over a week since the promised of a phone call. 
I want my money back with 5 % interest for the time they have confiscated it. 

my filed complaint with them is XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions.

I assert with certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws.

I demand that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that WAKEFIELD & ASSOCIATES will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Debt collection

I have been receiving constant calls from representatives at Portfolio Recovery with whom I have no contract with nor have I given my consent for them to communicate with me. They have violated the following codes ; 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692g, Identity theft as defined by 15 USC 1681a ( q ) 3. I have identified 22 instances of each of the 15 USC 1692 codes and 44 identify theft violations totaling 154 violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THE ACCOUNTS ARE ON THE FTC REPORT. 
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: Money transfer, virtual currency, or money service

I trusted a lady dealing with cryptocurrencies using retirement funds.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX  is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights XXXX XXXX 15 USC XXXX section 6 XXXX  XXXX states I have the right to privacy. 15 USC XXXX section 6 XXXX XXXX A section XXXX It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCXXXX XXXXXXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 


XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

TO WHOM IT MAY CONCERN I have below the documents ( Note, Disclosure, and Security Agreement NONNEGOTIABLE PROMISSORY NOTE and FINAL ADDENDUM TO NOTE, DISCLOSURE, AND SECURITY AGREEMENT ) I received it at the beginning of my consumer credit transaction made with USAA. pursuant to 15 USC 1635 ( a ) I was supposed to be informed of my right to recession and I had until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. as seen below I have never received said documents which would mean my right to rescind is still in effect. I hereby rescind the transaction made between me and USAA and I demand that you CEASE AND DESIST FURNISHING ON MY CONSUMER REPORT, ALL COMMUNICATION WITH MYSELF IN ATTEMPTS TO COLLECT A DEBT, AND FURNISHING MY PRIVATE INFORMATION TO THIRD PARTY DEBT COLLECTORS.