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

I opened this account as a loan in XX/XX/XXXX at the total finance charge of XXXX. Since then Prestige has been paid over XXXX. The car book valve was XXXX in XXXX for the XXXX XXXX. It was agreed to pay a total of XXXX. 

Prestige Financial has been paid more than XXXX from myself, XXXX XXXX XXXX XXXX, GAP Insurance and XXXX XXXX XXXX Car lot. I was in a car accident on the job on XX/XX/XXXX in which the car was declared totaled. The accident was the fault of the other party who admitted the car accident was her daughter 's fought in the accident I received a sprang back and could not go back to work. 

The insurance company paid the book value of the car which was over XXXX, GAP insurance paid over XXXX, XXXX XXXX XXXX paid XXXX, and GAP paid an additional XXXX. Prior to theses payment I had already paid Prestige over XXXX. At the time of the accident the book value of the car was only XXXX. 

The car was sold in XXXX by the insurance company. I do not have possession of the car nor have assess the the title of the car. Prestige can not provide me with a contract after receiving full payment of this vehicle.
Product: Mortgage

i did all my paperwork for loan modification and sent it at the day that Selene Financial put as time line, and them i received days later a preforeclosure letter i am so sad because before of this i have a letter related to a trial but they did not given me the opportunity to do this, now i have my primary house of my family in pre foreclosure need help XXXX
Product: Payday loan, title loan, or personal loan

I spoke with this company numerous of times they all remain unprofessional telling me to go get a criminal report from the police station they never sent me the proof the loan the local polixe told me they dont do those types of reports we have to hire a detective i sent emoneyusa a notorize letter that they claim they didnt get, i told them do they have proof a copy of my state issue id or driver liscence before they issue out a loan they response was you need to make a payment this company is fraud and unprofessional they let somebody take out a loan under my information and calls me and email me constantly to make payments, the bank the loan was issue to was a prepaid account in which they requirements they dont issue loans to prepaid accounts so why will they send a loan and not ask for the person to provide identification proof, and the loan was applied over the internet. Then on the proof of banks account they showing two different accounts one is an outline for one bank and the other is an outline for another bank that they said was used in loan issuing. This is an error and i have try negotiating with them numerous of times and they emails me back been rude and unprofessional. 


To delete this off my credit this account was created in fraud provide proof to me that they have my identical that it was me they told me the proof was the bank well the bank listed on the email is a prepaid account this company fail to even show me some kind of documentation just been communicated with me through email been unprofessional if you look at they website it clearly states that they dont issue loans to prepaid account and in which they say they verify that the bank account was mines well the loan should have been denied when they verity the bank because it was a prepaid account they didnt verify. I have file a dispute and ask that all 3 breaus ask that emoney provide them a copy of my identification card or drivers liscence that they can provide information that they issue a loan to me.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Equifax, & XXXX, I am writing to request that my address information on my credit report be updated to reflect my current address. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that the information they report is accurate and up to date. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX I noticed that my credit report still lists my old address : 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 assist with the update, I have enclosed copies of the following documents as proof of my current address : Please update my credit report to reflect this accurate information. Additionally, I request a confirmation once the change has been made. If you require any further information or documentation to process this request, please do not hesitate to contact me at XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response in ensuring the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Have both violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Credit reporting 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 COMMISSION or XXXX XXXX XXXXXXXX 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 XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Dear Credit Control / XXXX  XXXX XXXX XXXX XXXX writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Mortgage

I am XXXX payments behind on my mortgage with XXXX XXXX Mortgage due to financial difficukties due to the pandemic. I requested mortgage assistance from my XXXX XXXX, ( XXXX ), who offered a number of different options, including adding the XXXX payments to the principal, or getting a XXXX  interest loan from the government to catch up, and the loan would be added to the back end of my mortgage. I spoke to XXXX a few times about what was required to submit my request and application and I provided what they asked for along with additional proof that my financial issues were directly cause by the pandemic. I was told that it would take XXXX weeks for determination. I thought I did due diligence. 
I evicted a tenant who was in the lower unit at the property after not receiving payment for XXXX months. I live in another state and had a trip planned in XXXX weeks to repaint, do repairs, and re-rent the aprtment. XXXX XXXX immediately changed the status of my property to " Vacant '', although I have XXXX other occupied apartments in the building. XXXX XXXX, ( an independent contractor with XXXX Inspections in XXXX  ), then broke into the recently vacated apartment and changed the locks, right after I had paid to have the locks changed. They posted a notice on the door that the property was now under the management of XXXX XXXX XXXX. None of the phone number listed on the posted notice for XXXX XXXX XXXX are answered. XXXX inspections do not aknowlege XXXX XXXX as an employe, or that they know who he is. I called XXXX and they admitted that they had listed the property as vacant and gave me a number for XXXX, a property preservation company that was supposedly handling my case. I called XXXX, and they had no information about my property, but they admitted that XXXX gives out their number very frequently. XXXX  is giving me the run around and, scaring my tenants by making them think my property is for sale/foreclosed and lying about who is managing the property while at the same time telling me that they " will work with me '' to find a way for me to better afford my XXXX late payments. They also sent me a notice saying that they require proof that the property is insured, although they pay my insurance policy with XXXX quarterly directly. I don't think harrassing my tenants or not telling me what they are doing is legal and of course it is immoral, not that I can expect that. Feel free to TRY to reach anyone at the telephone numbers provided by the property preservation company. What is my recourse if any?
Product: Money transfer, virtual currency, or money service

We put a post for subleasing a private room on XXXX XX/XX/2022. We received a response over text that they are interested in the room. 
They said they will be getting a check from their corporate company to pay for the Accomodation and personal travel expenses. 
They asked me to deposit the check which I did on XX/XX/2022 and the bank ( Chase bank ) confirmed and deposited the XXXX $ on XX/XX/2022. The person requested me to send back the remaining amount for personal expenses through XXXX to their agent. I sent them XXXX $ since we had decided that the private room would be sub leased for XXXX XXXX I received a text that they wont be coming and I need to send the remainder of the amount as well. I just realized I have been scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my Experian Investigation ( Report # : XXXX ) however accounts have not been deleted due to inaccuracy. According to the FCRA there are MULTIPLE VIOLATIONS reporting inaccurate on my credit reports. I have attached an original copy of ALL 3 credit bureaus highlighting these inaccuracies and I have also attached Experian Dispute Report. 

Account Name : XXXX  XXXX Experian Report : Open Date : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX Report : Open Date : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Account Name : XXXX XXXX Experian Report : Date Opened : XX/XX/XXXX. 
No. of Months ( terms ) : 1 Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX XXXX Report : Date Opened : XX/XX/XXXX. 
No. of Months ( terms ) : 0 Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX XXXX also has 1 hard inquiry that I have brought to their attention and requested for removal as I am not associated with this HARD INQUIRY, below nor was it AUTHORIZED and as it appears to not have any relations to any account on my XXXX profile. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX These inaccurate reporting accounts are causing migraines due to the fact that I am not able pursue my desires.
Product: Debt collection

XXXX XXXX went to Credence Collection after XXXX and XXXX refused to follow through with collecting improper debt. 

According to Internet research, Credence is a scam. 

XXXX XXXX is a great company. XXXX has sullied reputation and standing by using a scam collection agency - Credence Collection Agency. 

I have, after dozens of attempts, been able to find a reliable resource at XXXX Arizona office. XXXX XXXX XXXX XXXX. 

XXXX stated problem was with improper codes used by Internet provider where I lived. A XXXX senior residence, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. 

XXXX stated issue was with Bulk account at XXXX on XXXX XXXX XXXX. I do not know if Landlords changed code. I have read XXXX is now A XXXX for XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX has proved useless regarding this issue. City of XXXX XXXX, CA contributed to XXXX XXXX on XXXX XXXX XXXX. 

This has been a long drawn out tedious process. 

XXXX has been guilty of ineptness due to my attempts to resolve this issue after having made many dozens of phone calls to XXXX XXXX. 

I spoke to dozens of agents who where trying to sell me streaming services. 

I repeatedly stated, dozens of times, I have no interest whatsoever in streaming services. 

I simply wanted to be on the Affordable Care Program! 

I have been a XXXX XXXX customer for 25 years We use XXXX XXXX where I live for Television. 

I appreciate the help, support and opportunity the FCC and FTC are providing. 

Also : Landlords were charging extra for improved Internet service- WHEN FCC WAS OFFERING FREE INTERNET ACCESS THROUGH AFFORDABLE CARE PROGRAM. 

FCC STATED THIS WAS A CRIME AND CONTACT FTC. 

THANK YOU
Product: Debt collection

When I lived at a residence in XXXX during my time at XXXX, we leased from XXXX. When I moved out, I spoke with the rep who said we did n't need to do anything else, but they kept the security deposit due to a need for cleaning/paint. They gave me a final bill that stated our balance was " {$0.00} ''. Fast forward about a year, and I started getting calls from Hunter Warfield/ collections agencies saying that I owed XXXX over $ XXXX for " new paint '', despite the fact that they kept the security deposit already for this, and had provided me with a {$0.00} final balance statement. 

Whenever I tried to contact XXXX to correct this mistake, they refused to take my call, nobody was ever at their office, and they began blocking my calls. However, every time I confirmed the situation with the collection agency ( who said they would close the case ), a few months would go by and someone else would call again, saying XXXX refuses to drop the case. 

Most recently, I have looked up XXXX and they have been shut down, and they were discredited by the XXXX and removed from the site for failing to comply to necessary standards.
Product: Credit card or prepaid card

On XX/XX/XXXX i received an email from wells Fargo that I had been approved for a credit card. I called the number in the email and told them that i did not apply for the credit, do not send the balance transfers that were associated with the application. The lady said not worry that it will be taken care of. On XX/XX/XXXX, we received a bill from wells Fargo showing that the transfers were made when we told them not to do it. 
So we asked them how to correct it and we were told that XXXX would have to send the money back to Wells Fargo. XXXX has tried more than once to do this. Finally in XX/XX/XXXX, according to the statement from XXXX, the larger payment of {$7500.00} was returned to Wells Fargo. But Wells Fargo keeps saying that they never received the money back nor will they tell me the account information to send the money to. The one thing that they do was close the account and most people agree that you can not send money to a closed account, but again, wells Fargo will not say where to send the money. So in the meantime, my XXXXredit score has dropped over 100 points and wells Fargo refuses to provide a possible solution for the issue. All you have to do is look at the statements from the XXXX accounts and you can see that the money was never used, that it sat there and in the case of the smaller amount, {$1000.00}, is still there. There has been no benefit from these transfers.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment history entry on my credit report. These entries constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

List of Companies and Unauthorized Reporting which are not accurate and must be removed : >XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The above ARE INACCUTATE and Specifically violates my rights with Unlawful Furnishing of Consumer Reports Without Authorization & Improper Late Payment Designation : Violation of FCRA Permissible Purposes of Consumer Reports : According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with the consumers explicit written instructions.

I did not authorize and I request you have the companies send verification and all the documentation they claim to have received from me and the Verification steps the conducted to confirm it was me and had EXPLICIT authorization they received from me Improper Late Payment Designation : Under 15 U.S.C. 1666b, creditors must adopt reasonable procedures to ensure statements are delivered at least 21 days before the payment due date. If this procedure was not followed, the late payment designation is invalid.

I did not receive such documentation AND i did not authorize. I request you have the companies send verification and all the documentation they claim to have received from me and the Verification steps the conducted to confirm it was me and had EXPL
ICIT authorization they received from me.

According to Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), creditors may only access a consumers credit report with a permissible purpose, which requires explicit consent. Additionally, Section 615 ( f ) mandates that all reporting be accurate and consent-based, reinforcing the need for explicit authorization.
Product: Credit card or prepaid card

On XX/XX/XXXX I authorized the payoff balance of my XXXX XXXX XXXX Credit Card for {$3200.00} in order to close out my account that would then result in a {$0.00} balance. The payoff amount was automatically generated to cover any and all interest charges on the account during the timeframe of the payment. The payment posted on XX/XX/XXXX. Five days later on XX/XX/XXXX my bank account was credited back {$25.00} which was stated to be a credit refund ( attached for reference ). On XX/XX/XXXX I was sent a statement stating that I now owed a balance of {$23.00} for interest charges ( attached for reference ). Immediately after receiving the statement, I called the customer service line to inquire on the recent charges of {$23.00} that were now showing I owed. The customer service rep apologized for the confusion and stated that I did not owe any charges and my account would in fact remain at {$0.00} as it was at the time it was closed out on XX/XX/XXXX. Right after XXXX, I had been taking care of my elderly XXXX who contracted XXXX XXXX and had gotten extremely ill so I will admit that I hadnt been up to date on staying on top of my emails after the XXXX XXXX however to my knowledge my account had been closed out for an entire month after paying off the balance IN FULL back on XX/XX/XXXX. I did not ever think that I would have to worry about later posted fees that would be assumed I now owed? Now, almost 3 months later the balance is STILL showing as owed on-top of multiple late fees acquired which have in fact affected my credit score to decrease. I made one final phone call this afternoon to the customer service line and even requested to deal with a manager level rep who not only informed me that there was nothing they could do about the charges now being owed but also stated there is no history of ever crediting my account for {$25.00} ( which would have covered the later posted interest charges ) when it is clearly stated directly on the statement received on XX/XX/XXXX ( highlighted and attached ). I have not only been lied to twice now but have wrongly been credited back an amount just to acquire another charge at a later time. It seems this was done on purpose for closing my account. This is fraud.