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

Om XXXX XXXX XXXX I received an email stating that my account would be transferred from US Auto Sales/ US Auto finance to Westlake Portfolio Management ( WPM ). Im not in any part of the legal field so naturally I made the judgement to continue paying my car note as I am a new parent to a now XXXX XXXX XXXX XXXX  ; I need my car. Since the account transfer I have not had any reason to contact WPM as I could do everything through their ( WPM ) app. More recently around the holidays, roughly late XXXX early XXXX, I was on social media when I seen some information regarding US Auto and WPM. After doing much research I realized that US Auto Sales commited a breach of contract by transferring my account to a debt collection agency and not a financial institution. Naturally I went digging for my contract but I must had misplaced or lost it when moving from XXXX  to XXXX XXXX. I called WPM, which records all their calls, on XX/XX/XXXX. Settled by payment information and requested my contract. I was told my contract could not be located. Now Im asking how does the company that so-called bought my contract not have my contract. He proceeds to tell me that he will put in an email request to have my contract sent to email. This is a Friday so Im already skeptical. He told me the request would take XXXX hours so I waited XXXX business hours. I checked my email everyday and no contract. I called on XX/XX/XXXX. They look up my account and verify me and I begin asking questions regarding my contract information and that I was told XXXX hours. The representative then proceeds to play on my words and tells me that kind of request takes XXXX hours which I enlightened him that I indeed waited XXXX business hours. I was put on hold and eventually told that supervisors come in at XXXX XXXXacific time so for me that is XXXX. I call back around noon and explained to the representative what I had already dealt with and that Im not going further with any information unless Im speaking with a supervisor. I explain the situation with the supervisor and I was put on hold for her to look up my contract requests. The supervisor came back and told me that she is going to personally send up the request and that she guarantees I will have my contract by the afternoon. I question it of course because once you have been burned once the trust is gone. I ask what is my next step if I dont receive the contract. She stutters because she clearly wasnt ready for a question like that because there is no next step. She tells me to call back at XXXX pacific time which is XXXX eastern for me. I went to work at XXXX eastern time so no way to satisfy that request. However, I wake up this morning and still not a single contract in my email. Im inclined to believe that WPM does not have my contract which means they are not able to validate my debt with them making it invalid. Also meaning it would need to leave my credit and I can file a cease and desist because that is not my debt. I did go to my local dmv and asked for a lien holder document and it also shows us auto finance
Product: Mortgage

I bought a mobile home almost two years ago. Since then I've been asking the company that I pay my mortgage to a multitude of questions that they refuse to answer. My first question was why do I have paperwork called a " Illinois customer notice of assignment '' that says my loan has been sold or transferred to another creditor I never got an answer. My second question was why was my interest rate at 8 % I never got an answer. My third question was why did they approve a loan for {$35000.00} for a property that was appraised at {$19000.00}. I also have a lot of other questions that never got answers.
Product: Credit reporting or other personal consumer reports

To Whom it may concern I am writing to formally request the blocking and deletion of fraudulent accounts and information that have been placed on my credit report due to identity theft from a data breach. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 605B ( 15 U.S.C. 1681c-2 ), to have this fraudulent information removed from my credit report immediately. You are in violation of the Gramm Leach Biley Act, clearly violating my privacy.

The following accounts were opened fraudulently and are violating my privacy rights as a consumer by remaining on my credit report : Account Name XXXX XXXX XXXX XXXX {$29000.00} Account : XXXX XXXX XXXX {$36000.00} This fraudulent information is a clear violation of my consumer privacy and protection rights under both federal and state laws. It has caused undue harm to my credit profile and threatens my financial security. Allowing such information to remain on my credit report is a breach of your duty to protect consumers sensitive information. 
To support my request, I have included the following documentation : XXXX. Identity Theft Report : A copy of my Identity Theft Report filed with the Federal Trade Commission. 
XXXX. Proof of Identity : A copy of my government-issued ID and Social Security card to confirm my identity. 
XXXX. Proof of Residence : A recent utility bill as proof of residence.

I request that you block and delete this fraudulent information from my credit file within the legally required timeframe, as outlined in the FCRA, and confirm this action in writing. Should this request be ignored or delayed, I reserve the right to pursue further action, as this constitutes a violation of my consumer rights and privacy protections. 
If you require additional information to process my request, please contact me directly at XXXX Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Previous Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion disputing the inaccurate bankruptcies reporting on my credit report. Transunion responded saying that they were verified. I find it weird because I reached out to the XXXX  courts to get more information on how they verified with the credit bureaus because it is inaccurate. The court clerk sent me a letter stating they haven't verified anything with the credit bureaus. 

So clearly Transunion never conducted a proper investigation and did not get their information from the courts this explains why it is inaccurate. 

Transunion has still failed to delete the inaccurate bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the consumer reporting agencies to make sure everything in my report was complete and accurate to 15 USC 1681i ( 5 ). I waited over 30 days and noticed everything was the same. The consumer reporting agencies XXXX TransUnion XXXX did not accurately investigate. Dates open is not correct m, dates last active are incorrect on all 3 reports as well as date of last payment. Which is a violation. This is impacting me from buying a home. 


Account Name 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
Product: Debt collection

Goldman Sachs issues " Apple Cards ''. They are sending me letters via USPS claiming I have a past due balance of {$61.00}. I have never applied for an Apple Card nor do I have an Apple Card .Goldman Sachs so called " Apple Card Specialists '' are of no help at all. 
They tell me to call police or contact Identitytheft.gov. Since they issue the cards it seems like they should at least try to resolve the issue. They can't give me an account # ( claims they don't use account # 's, what the charges are for or where they occured. Seems ridiculous to me.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX through BridgecrestXXXX. I am a XXXX XXXX XXXX XXXX woman. XXXX tore a tornado through my family. I had XXXX members of my family XXXX in the past XXXX years. I was laid off as a XXXX XXXX. I was able to make payments thru to XX/XX/XXXX. I did contact Bridgecrest many many times. Bridgecrest refused to make payment arrangement, refused to give me any details about my account. I did file a request to reopen a bankruptcy case just to deal with the financial fallout of XXXX. I was impacted. Its hard enough for a XXXX XXXX old woman ( XXXX ) to get employment. I joke that when I find a job the recession will be over. Its true. 

Bridgecrest sent me the following letter telling me that they will repossess the car. They do not state what amount I owe. There is no information on their website. They claim that I don't take their calls. I have never received a call that says Bridgecrest on the caller id. 

I am XXXX and being without a car is an extreme hardship. Bridgecrest has thwarted every attempt of mine to ask what amount is owing. The car is not worth now what it was in XXXX. It is a XXXX year old XXXX. Although XXXX XXXX are in high demand it still is a XXXX year old car. I am aware that I am probably upside down on the loan. I am actively looking for work and I have two upcoming job interviews. The last thing I need in the middle of this is Bridgecrest. 

Bridgecrest wants to have their cake and eat it too. They want to seize the car, sell it and still make me owe on the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a truck from GM back in XXXX of XXXX with a monthly payment of {$250.00} a month for three years for a grand total of {$9000.00} to be paid off by XX/XX/XXXX of XXXX. I paid the {$250.00} a month early every month and paid the last three  months in XXXX of XXXX. I was sent a XXXX  balance statement and I turned the truck in a week early with XXXX XXXX less miles then the lease allowed amount and the truck was in perfect shape with no scratches or dents. It was so nice that the guy that inspected it wanted to buy it. I thought everything was complete until three months later I was notified by XXXX  XXXX  that I supposedly owed GM financial {$590.00}. I never received a bill and had no idea I owed them money! I reached out to the company right away but was unable to talk to a real person for at least a week. I tried other numbers but to no avail. Finally after waiting for more then an hour I finally reached a real person. She then transferred me to someone else and then again and then again. Finally a women who did not give me her name said she could help me. I asked her about the charge and she said that {$300.00} was for excess use which she immediately said she could waive. then I asked her about the remaining charge and she said it was a lease ending fee. I told her I had no idea and she said she would send me a bill. After waiting another two weeks for a bill I started the phone calls again. I left my cell phone number and my email which when they did call me back they would only call my house phone number and leave a message to call them on the 800 number. I was always at work when they called. Another month went by and finally one day I was at home to answer their call I talked to a gentleman who once again didn't state his name. We went through the whole process again and he said they would definatly send me a bill and an address to mail it to. I received the bill five days later and immediatly sent the payment. This whole process took months and my credit rating was destroyed because of it. I was told that once I paid the bill my credit would be restored to where it was. Now I find out that it's going to take seven years to restore my credit rating. I'm a person that ALWAYS pays his bills and ALWAYS pays them early. Now because big business GM financial can't treat a consumer properly and they make it almost impossible to reach them my financial ability to apply for a loan or a mortgage has been deminished. I would like my credit rating restored now not in seven years. I'm XXXX XXXX years old. I might not live long enough to wait for the credit agencies to make it right!
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the numerous unsuccessful attempts to remove inaccuracies from my credit report. Despite multiple disputes and requests, certain derogatory items continue to appear on my report, including late/closed accounts, accounts included in bankruptcy, and public records.

I have enclosed a copy of my credit report highlighting the inaccuracies for your reference.

I request the following actions be taken : Removal of Late/Closed Accounts : Several accounts on my credit report are listed as late/closed, which inaccurately reflects my credit history. These entries are outdated and should be removed promptly.

Removal of Accounts Included in Bankruptcy : There are accounts on my credit report that were included in bankruptcy proceedings. As per the bankruptcy discharge, these accounts should no longer appear on my credit report. Please remove them immediately.

Removal of Public Records : Certain public records, such as XXXX  XXXX Bankruptcy are inaccurately listed on my credit report. These records have been resolved or do not pertain to me. I request their immediate removal.

I have made numerous attempts to address these inaccuracies through the proper channels, but they persist, causing significant distress and hindering my ability to access credit on fair terms.

I understand the importance of accurate reporting and the impact it has on individuals ' financial lives. Therefore, I urge you to investigate these discrepancies promptly and make the necessary corrections to ensure the accuracy and integrity of my credit report.

Please acknowledge receipt of this letter and inform me of the steps being taken to address these inaccuracies. I am asking for your assisstance to remove these items in my credit file : XXXX XXXX XXXX XXXX Balance : {$1200.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$2300.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXX XXXX Balance : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and noticed inaccurate information reported. I requested a reinvestigation and that these items be deleted from my credit report on XX/XX/year>. I see that the items are still showing on my credit report. Pursuant to 15 USC 1681 ( a ) Accuracy and Fairness of Credit Reporting, according to the law, before any information is inserted into my consumer report, it MUST be accurate and fair information reporting. I am aware of my rights and know, according to the Fair Credit Reporting Act. That I have a right to challenge anything and everything, that I am unsure of. 

My demands are : For you to provide me the XXXX XXXX and this is what I need included in the XXXX XXXX : Account file Ledger ALL accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY! 
If you fail to communicate to the Consumer Reporting Agencies that this debt is in DISPUTE, that would be a violation pursuant 15 USC 1692e8-False or Misleading Representation. 
The law is very clear as to the civil liability and the remedy available to me, according to 15 USC 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend or pursue litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account is not an update to my consumer report. 

I am demanding that you reinvestigate this account immediately and respond within XXXX business days with update. If you can not provide proof of the reinvestigation, these accounts MUST be deleted, according to 15 USC 1681 Treatment of Inaccurate or Unverifiable information. In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency, shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. 
Thank you for giving this you prompt attention, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a claim to XXXX XXXXXXXX regarding an account that I do not agree with the amount and the dates reported, and from my last complaint XXXX XXXX stated that they were not reporting the XX/XX/2015 loan to any other credit bureau besides XXXX. This month when I refreshed my credit report, it shows that this account is reporting to Equifax and is hurting my score. I would like for the company to honor their word and remove this account from reporting immediately.
Product: Checking or savings account

I made a previous claim because the system of thebank is not allowing me to access to my online banking. I created the user ID and password at the branch when I opened my account on XX/XX/2023, then my account was locked for security reason, I was requested to send my passport and utility bill. I sent it and that lock was removed. So I treid to access using the same credentials but didnt work, so I called custoemr service and I was informed that I need to enroll again. I tried several times but never workd. I submited a ticket and still under review XXXX. 
My pin is correct, because when I call customer service the system identify and verify me, so the pin is not the issue. Also I tried 2 different phones to received the access code and also doesnt recognize. 
I dont know what is the error. Also I contacte XXXX XXXX ( the lady who opened my account ) and she said that she cant help, once the account is opened the online banking issues are fixed by the main office.
Product: Debt collection

A collection company by the name of Kimball Tirey & St.John popped up on my credit report. I have no recollection of this account nor debt. They are claiming I have an open balance with them for {$1800.00}. I have tried to get in contact with company to ask for the digital agreement along with a breakdown of alleged costs and to no avail they have been unable to give me any information. I would like this collection to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.